/* ============================================================
   PK Insurance Brokers — Corporate marketing site  v2 (light)
   Palette: gold #E9C47D · charcoal #3D3B3B · off-white #FAF8F4
   Direction: warm editorial premium — light, airy, modern
   ============================================================ */

:root {
  --gold: #E9C47D;
  --gold-deep: #A87F3D;        /* darker gold for text on light bg (contrast) */
  --gold-soft: rgba(233, 196, 125, 0.16);
  --gold-line: rgba(201, 160, 85, 0.35);
  --charcoal: #3D3B3B;
  --charcoal-deep: #2E2C2C;
  --ink: #4A4A4A;
  --ink-soft: #6E6A66;
  --paper: #FAF8F4;
  --paper-warm: #F4EFE6;
  --white: #FFFFFF;
  --line: rgba(61, 59, 59, 0.1);

  --serif: "Cormorant Garamond", Georgia, "Times New Roman", serif;
  --sans: "Source Sans 3", "Segoe UI", Tahoma, sans-serif;

  --container: 1180px;
  --radius: 22px;
  --radius-sm: 14px;
  --shadow: 0 14px 44px rgba(61, 59, 59, 0.09);
  --shadow-soft: 0 6px 24px rgba(61, 59, 59, 0.06);
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.7;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

/* ---------- Typography ---------- */
h1, h2, h3 {
  font-family: var(--serif);
  font-weight: 600;
  color: var(--charcoal);
  line-height: 1.15;
}
h2 { font-size: clamp(2.1rem, 4.5vw, 3.2rem); letter-spacing: -0.01em; }
h3 { font-size: 1.5rem; }

/* Τα ελληνικά glyphs της Cormorant είναι πιο βαριά από τα λατινικά —
   στα ελληνικά οι τίτλοι παίρνουν ελαφρύτερο βάρος για ισόρροπη υφή */
html[lang="el"] h1,
html[lang="el"] h2,
html[lang="el"] h3 { font-weight: 500; }
html[lang="el"] .hero-title { font-weight: 500; }
html[lang="el"] .hero-title em { font-weight: 400; }
html[lang="el"] .stat-card strong { font-weight: 500; }

/* Eyebrow chip — modern pill */
.chip {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.76rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-deep);
  background: var(--gold-soft);
  border: 1px solid var(--gold-line);
  border-radius: 999px;
  padding: 7px 18px;
  margin-bottom: 22px;
}
.chip::before {
  content: "";
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--gold);
}
.chip.dark {
  color: var(--gold);
  background: rgba(233, 196, 125, 0.1);
  border-color: rgba(233, 196, 125, 0.35);
}

.section { padding: clamp(80px, 10vw, 140px) 0; }

.section-head { max-width: 760px; margin-bottom: clamp(44px, 6vw, 72px); }
.section-head.centered { margin-left: auto; margin-right: auto; text-align: center; }
.section-sub { margin-top: 18px; font-size: 1.08rem; color: var(--ink-soft); }

/* ---------- Buttons (pill, modern) ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 16px 38px;
  font-family: var(--sans);
  font-size: 0.92rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  border-radius: 999px;
  border: 1px solid transparent;
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), background 0.3s, color 0.3s, border-color 0.3s;
  cursor: pointer;
}
.btn-gold {
  background: linear-gradient(135deg, #EFCF92 0%, var(--gold) 55%, #DBAF60 100%);
  color: var(--charcoal-deep);
  box-shadow: 0 10px 26px rgba(201, 160, 85, 0.35);
}
.btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 16px 34px rgba(201, 160, 85, 0.45);
}
.btn-line {
  background: var(--white);
  color: var(--charcoal);
  border-color: var(--line);
  box-shadow: var(--shadow-soft);
}
.btn-line:hover {
  border-color: var(--gold);
  color: var(--gold-deep);
  transform: translateY(-2px);
}
.btn-ghost {
  background: transparent;
  color: var(--paper);
  border-color: rgba(250, 248, 244, 0.35);
}
.btn-ghost:hover {
  border-color: var(--gold);
  color: var(--gold);
  transform: translateY(-2px);
}

/* ============================================================
   HEADER — light glass
   ============================================================ */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  padding: 18px 0;
  background: rgba(250, 248, 244, 0.82);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid transparent;
  transition: padding 0.35s var(--ease), border-color 0.35s, box-shadow 0.35s;
}
.site-header.scrolled {
  padding: 10px 0;
  border-bottom-color: var(--line);
  box-shadow: 0 6px 30px rgba(61, 59, 59, 0.07);
}

.header-inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: inline-flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 4px;
}
.brand-logo {
  height: 32px;
  width: auto;
  display: block;
  transition: height 0.35s var(--ease);
}
.site-header.scrolled .brand-logo { height: 27px; }
.brand-tag {
  font-family: var(--serif);
  font-style: italic;
  font-size: 0.92rem;
  font-weight: 500;
  letter-spacing: 0.01em;
  text-transform: lowercase;
  color: var(--gold-deep);
  /* δεξιά ευθυγράμμιση με το τέλος του λογότυπου */
  align-self: stretch;
  text-align: right;
  line-height: 1;
  white-space: nowrap;
  transition: opacity 0.3s var(--ease), max-height 0.35s var(--ease);
}
.site-header.scrolled .brand-tag {
  opacity: 0;
  max-height: 0;
  margin-top: -6px;
}

/* Typographic logo (footer, dark bg) — mirrors the brand mark */
.logo-type {
  font-family: "Montserrat", var(--sans);
  font-weight: 700;
  font-size: 1.45rem;
  letter-spacing: 0.04em;
  color: var(--gold);
  line-height: 1;
  display: inline-flex;
  align-items: center;
}
.logo-bar {
  font-weight: 300;
  color: rgba(250, 248, 244, 0.5);
  margin: 0 3px;
  transform: scaleY(1.25);
  display: inline-block;
}
.logo-word {
  font-weight: 300;
  font-size: 0.95rem;
  letter-spacing: 0.42em;
  color: rgba(250, 248, 244, 0.75);
  margin-left: 18px;
  text-transform: uppercase;
}

.main-nav { display: flex; align-items: center; gap: 32px; }
.main-nav a {
  font-size: 0.9rem;
  font-weight: 500;
  letter-spacing: 0.04em;
  color: var(--ink);
  position: relative;
  padding: 6px 0;
  white-space: nowrap;
  transition: color 0.3s;
}
.main-nav a::after {
  content: "";
  position: absolute;
  left: 0; bottom: 0;
  width: 0; height: 2px;
  border-radius: 2px;
  background: var(--gold);
  transition: width 0.35s var(--ease);
}
.main-nav a:hover { color: var(--charcoal); }
.main-nav a:hover::after { width: 100%; }
.main-nav a.nav-cta {
  background: var(--charcoal);
  color: var(--paper);
  padding: 10px 26px;
  border-radius: 999px;
  transition: background 0.3s, color 0.3s, transform 0.3s var(--ease);
}
.main-nav a.nav-cta::after { display: none; }
.main-nav a.nav-cta:hover {
  background: var(--gold);
  color: var(--charcoal-deep);
  transform: translateY(-1px);
}

.header-tools { display: flex; align-items: center; gap: 18px; }

.lang-switch { display: flex; align-items: center; gap: 6px; }
.lang-btn {
  background: none;
  border: none;
  font-family: var(--sans);
  font-size: 0.84rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  color: var(--ink-soft);
  cursor: pointer;
  padding: 4px 2px;
  transition: color 0.3s;
}
.lang-btn:hover { color: var(--gold-deep); }
.lang-btn.active { color: var(--gold-deep); border-bottom: 2px solid var(--gold); }
.lang-sep { color: var(--line); }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.nav-toggle span {
  width: 24px; height: 2px;
  border-radius: 2px;
  background: var(--charcoal);
  transition: all 0.3s var(--ease);
}
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ============================================================
   HERO — light, warm, airy
   ============================================================ */
.hero {
  position: relative;
  padding-top: clamp(140px, 18vw, 200px);
  padding-bottom: clamp(60px, 7vw, 90px);
  overflow: hidden;
  background: linear-gradient(180deg, #FBF7EF 0%, var(--paper) 70%);
}

.hero-bg { position: absolute; inset: 0; pointer-events: none; }
.blob {
  position: absolute;
  border-radius: 50%;
  filter: blur(70px);
}
.blob-1 {
  width: 540px; height: 540px;
  right: -120px; top: -140px;
  background: radial-gradient(circle, rgba(233, 196, 125, 0.3), transparent 65%);
}
.blob-2 {
  width: 420px; height: 420px;
  left: -160px; bottom: -120px;
  background: radial-gradient(circle, rgba(233, 196, 125, 0.18), transparent 65%);
}
.hero-arcs {
  position: absolute;
  width: clamp(400px, 38vw, 560px);
  right: clamp(-180px, -9vw, -70px);
  top: 80px;
  animation: arcfloat 14s ease-in-out infinite alternate;
}
@keyframes arcfloat {
  from { transform: translateY(0) rotate(0deg); }
  to   { transform: translateY(18px) rotate(3deg); }
}

.hero-inner { position: relative; }
.hero-copy { max-width: 780px; position: relative; z-index: 1; }

.hero-title {
  font-size: clamp(2.3rem, 4.8vw, 3.7rem);
  font-weight: 600;
  line-height: 1.1;
  margin-bottom: 26px;
}
.hero-title em {
  font-style: italic;
  font-weight: 500;
  color: var(--gold-deep);
}

.hero-lead {
  font-size: clamp(1.05rem, 2vw, 1.22rem);
  font-weight: 400;
  color: var(--ink-soft);
  max-width: 540px;
  margin-bottom: 40px;
}

.hero-actions { display: flex; flex-wrap: wrap; gap: 16px; }

/* Unified stats strip — one piece, three readings */
.hero-stats {
  position: relative;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  margin-top: clamp(56px, 7vw, 84px);
  background: var(--white);
  border: 1px solid rgba(233, 196, 125, 0.35);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  overflow: hidden;
}
.stat-card {
  padding: clamp(26px, 3vw, 36px) clamp(24px, 2.8vw, 36px);
  display: flex;
  flex-direction: column;
  gap: 4px;
  position: relative;
}
.stat-card + .stat-card::before {
  content: "";
  position: absolute;
  left: 0;
  top: 22%;
  bottom: 22%;
  width: 1px;
  background: linear-gradient(to bottom, transparent, var(--gold-line), transparent);
}
.stat-card strong {
  font-family: var(--serif);
  font-size: clamp(1.7rem, 2.4vw, 2.2rem);
  font-weight: 600;
  color: var(--charcoal);
  line-height: 1.15;
}
.stat-card span {
  font-size: 0.86rem;
  letter-spacing: 0.03em;
  line-height: 1.5;
  color: var(--ink-soft);
}

/* ============================================================
   ABOUT
   ============================================================ */
.about { background: var(--paper); }

.about-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: clamp(40px, 5vw, 76px);
  align-items: center;
}
.about-text h2 { margin-bottom: 26px; }
.about-text p + p { margin-top: 20px; }
.about-text p { font-size: 1.04rem; }

/* About — evolution timeline panel */
.journey-card {
  position: relative;
  background: linear-gradient(155deg, #FDF9F0 0%, #F4EBD8 100%);
  border: 1px solid var(--gold-line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
  padding: clamp(32px, 3.5vw, 46px);
  overflow: hidden;
}
.journey-arcs {
  position: absolute;
  top: 0; right: 0;
  width: 200px; height: 200px;
  pointer-events: none;
}
.journey-title {
  position: relative;
  font-size: 0.74rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold-deep);
  margin-bottom: 28px;
}
.journey {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 26px;
}
.journey::before {
  content: "";
  position: absolute;
  left: 20px; top: 10px; bottom: 10px;
  width: 2px;
  background: linear-gradient(to bottom, var(--gold), var(--gold-line));
}
.journey li {
  position: relative;
  display: flex;
  gap: 18px;
  align-items: flex-start;
}
.journey-icon {
  flex: 0 0 auto;
  width: 42px; height: 42px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: var(--white);
  border: 1px solid var(--gold-line);
  color: var(--gold-deep);
  position: relative;
  z-index: 1;
}
.journey-icon svg { width: 20px; height: 20px; }
.journey strong {
  display: block;
  font-size: 1rem;
  font-weight: 600;
  color: var(--charcoal);
}
.journey span {
  display: block;
  font-size: 0.88rem;
  line-height: 1.5;
  color: var(--ink-soft);
}

/* ============================================================
   SERVICES — warm paper bg, white rounded cards
   ============================================================ */
.services {
  background:
    radial-gradient(ellipse 60% 50% at 85% 10%, rgba(233, 196, 125, 0.12), transparent 60%),
    var(--paper-warm);
}

.pillars {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(24px, 3.5vw, 36px);
}

.pillar {
  background: var(--white);
  border: 1px solid rgba(61, 59, 59, 0.06);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
  padding: clamp(32px, 4vw, 52px);
  transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease);
}
.pillar:hover { transform: translateY(-5px); box-shadow: var(--shadow); }

.pillar-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--gold-soft);
  border: 1px solid var(--gold-line);
  font-family: var(--serif);
  font-size: 1.05rem;
  font-style: italic;
  color: var(--gold-deep);
  margin-bottom: 18px;
}
.pillar-head h3 { margin-bottom: 10px; font-size: 1.7rem; }
.pillar-head p { color: var(--ink-soft); font-size: 0.98rem; margin-bottom: 30px; }

.svc-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px 22px;
}
.svc-grid.one-col { grid-template-columns: 1fr 1fr; }

.svc-grid li {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  padding: 14px;
  border-radius: var(--radius-sm);
  transition: background 0.3s var(--ease);
}
.svc-grid li:hover { background: var(--gold-soft); }

.svc-icon {
  flex: 0 0 auto;
  width: 42px; height: 42px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 12px;
  background: var(--gold-soft);
  border: 1px solid var(--gold-line);
  color: var(--gold-deep);
}
.svc-icon svg { width: 22px; height: 22px; }

.svc-grid strong {
  display: block;
  color: var(--charcoal);
  font-weight: 600;
  font-size: 1rem;
  line-height: 1.35;
}
.svc-grid li > div > span {
  display: block;
  color: var(--ink-soft);
  font-size: 0.85rem;
  line-height: 1.5;
  margin-top: 2px;
}

.pillar-note {
  margin-top: 26px;
  padding: 20px 26px;
  border-left: 3px solid var(--gold);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  background: linear-gradient(135deg, #FDF9F0, #F8F1E2);
}
.pillar-note p {
  font-family: var(--serif);
  font-style: italic;
  font-size: 1.14rem;
  color: var(--charcoal);
  line-height: 1.5;
}

/* Capabilities — 7 actions grid */
.capabilities {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: clamp(16px, 2vw, 24px);
}
.cap-card {
  position: relative;
  background: var(--white);
  border: 1px solid rgba(61, 59, 59, 0.06);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-soft);
  padding: clamp(24px, 2.5vw, 32px) clamp(22px, 2.2vw, 28px);
  transition: transform 0.35s var(--ease), box-shadow 0.35s var(--ease), border-color 0.35s;
}
.cap-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
  border-color: var(--gold-line);
}
.cap-num {
  position: absolute;
  top: clamp(20px, 2.2vw, 28px);
  right: clamp(20px, 2.2vw, 26px);
  font-family: var(--serif);
  font-size: 1.05rem;
  font-style: italic;
  color: var(--gold-line);
}
.cap-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px; height: 46px;
  border-radius: 13px;
  background: linear-gradient(140deg, #F8EBD2, var(--gold-soft));
  border: 1px solid var(--gold-line);
  color: var(--gold-deep);
  margin-bottom: 18px;
}
.cap-icon svg { width: 23px; height: 23px; }
.cap-card h3 { font-size: 1.12rem; margin-bottom: 8px; }
.cap-card p { font-size: 0.9rem; line-height: 1.55; color: var(--ink-soft); }

/* 8th cell — call-to-action accent card */
.cap-cta {
  background: linear-gradient(150deg, #EFCF92 0%, var(--gold) 60%, #DBAF60 100%);
  border-color: transparent;
  box-shadow: 0 10px 26px rgba(201, 160, 85, 0.3);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}
.cap-cta:hover { border-color: transparent; }
.cap-cta-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px; height: 46px;
  border-radius: 13px;
  background: rgba(255, 255, 255, 0.45);
  border: 1px solid rgba(255, 255, 255, 0.5);
  color: var(--charcoal-deep);
  margin-bottom: 18px;
}
.cap-cta-icon svg { width: 23px; height: 23px; }
.cap-cta h3 {
  font-size: 1.22rem;
  line-height: 1.3;
  color: var(--charcoal-deep);
  margin-bottom: 16px;
}
.cap-cta-link {
  font-family: var(--sans);
  font-size: 0.86rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--charcoal-deep);
  transition: gap 0.3s var(--ease);
}
.cap-cta:hover .cap-cta-link { opacity: 0.78; }

/* Sectors — selected experience */
.sectors {
  background:
    radial-gradient(ellipse 55% 45% at 90% 0%, rgba(233, 196, 125, 0.1), transparent 60%),
    var(--paper);
}

/* ============================================================
   CORPORATE RISKS — specialist cards
   ============================================================ */
.risks {
  background:
    radial-gradient(ellipse 55% 45% at 10% 0%, rgba(233, 196, 125, 0.1), transparent 60%),
    var(--paper);
}
.risk-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: clamp(20px, 2.6vw, 30px);
}
.risk-card {
  background: var(--white);
  border: 1px solid rgba(61, 59, 59, 0.06);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
  padding: clamp(28px, 3vw, 38px);
  transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease), border-color 0.4s;
}
.risk-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow);
  border-color: var(--gold-line);
}
.risk-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px; height: 52px;
  border-radius: 16px;
  background: linear-gradient(140deg, #F8EBD2, var(--gold-soft));
  border: 1px solid var(--gold-line);
  color: var(--gold-deep);
  margin-bottom: 20px;
}
.risk-icon svg { width: 26px; height: 26px; }
.risk-card h3 { font-size: 1.3rem; margin-bottom: 12px; }
.risk-card p { font-size: 0.95rem; line-height: 1.65; color: var(--ink-soft); }

/* "And more" card */
.risk-card.more {
  background: linear-gradient(155deg, #FDF9F0 0%, #F4EBD8 100%);
  border-color: var(--gold-line);
  display: flex;
  flex-direction: column;
}
.risk-card.more h3 {
  font-size: 1.3rem;
  margin-bottom: 18px;
  color: var(--charcoal);
}
.risk-more-list { display: flex; flex-direction: column; gap: 12px; }
.risk-more-list li {
  font-size: 0.96rem;
  font-weight: 500;
  color: var(--charcoal);
  padding-left: 20px;
  position: relative;
}
.risk-more-list li::before {
  content: "";
  position: absolute;
  left: 0; top: 9px;
  width: 6px; height: 6px;
  background: var(--gold);
  transform: rotate(45deg);
}
.tag-cloud {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: baseline;
  gap: 14px 0;
  max-width: 880px;
  margin: 0 auto;
}
.tag {
  font-family: var(--serif);
  font-size: clamp(1.15rem, 1.8vw, 1.35rem);
  font-weight: 500;
  color: var(--charcoal);
  display: inline-flex;
  align-items: center;
  cursor: default;
}
.tag::after {
  content: "";
  width: 5px; height: 5px;
  background: var(--gold);
  transform: rotate(45deg);
  margin: 0 18px;
  flex: 0 0 auto;
}
.tag:last-child::after { display: none; }
.spectrum-track {
  max-width: 680px;
  margin: clamp(30px, 4vw, 44px) auto 0;
  text-align: center;
  font-size: 0.98rem;
  color: var(--ink-soft);
}

.claims-note {
  max-width: 760px;
  margin: clamp(44px, 5vw, 64px) auto 0;
  text-align: center;
  position: relative;
  padding-top: 34px;
}
.claims-note::before {
  content: "";
  position: absolute;
  top: 0; left: 50%;
  transform: translateX(-50%);
  width: 56px; height: 2px;
  border-radius: 2px;
  background: var(--gold);
}
.claims-note p {
  font-family: var(--serif);
  font-style: italic;
  font-size: clamp(1.18rem, 2vw, 1.4rem);
  line-height: 1.55;
  color: var(--charcoal);
}

/* ============================================================
   METHOD — five-step process
   ============================================================ */
.method { background: var(--paper-warm); }

.steps {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: clamp(18px, 2.2vw, 28px);
  list-style: none;
  margin: 0;
  padding: 0;
}
.step {
  background: var(--white);
  border: 1px solid rgba(61, 59, 59, 0.06);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
  padding: 28px 24px;
  position: relative;
  transition: transform 0.35s var(--ease), box-shadow 0.35s var(--ease);
}
.step:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px; height: 42px;
  border-radius: 50%;
  background: var(--gold-soft);
  border: 1px solid var(--gold-line);
  font-family: var(--serif);
  font-style: italic;
  font-size: 1rem;
  color: var(--gold-deep);
  margin-bottom: 16px;
}
.step h3 {
  font-family: var(--sans);
  font-size: 1.02rem;
  font-weight: 600;
  margin-bottom: 8px;
  line-height: 1.35;
}
.step p { font-size: 0.86rem; line-height: 1.6; color: var(--ink-soft); }

.method-close {
  max-width: 680px;
  margin: clamp(36px, 4.5vw, 56px) auto 0;
  text-align: center;
  font-family: var(--serif);
  font-style: italic;
  font-size: clamp(1.12rem, 1.8vw, 1.3rem);
  line-height: 1.55;
  color: var(--charcoal);
}

/* Approach — three principles */
.principles {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: clamp(22px, 3vw, 38px);
}
.principle {
  text-align: center;
  padding: clamp(8px, 1.5vw, 16px);
}
.principle-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 64px; height: 64px;
  border-radius: 50%;
  background: var(--white);
  border: 1px solid var(--gold-line);
  color: var(--gold-deep);
  box-shadow: var(--shadow-soft);
  margin-bottom: 24px;
}
.principle-icon svg { width: 30px; height: 30px; }
.principle h3 {
  font-size: 1.32rem;
  line-height: 1.3;
  margin-bottom: 14px;
  max-width: 16ch;
  margin-left: auto;
  margin-right: auto;
}
.principle p {
  font-size: 0.96rem;
  line-height: 1.65;
  color: var(--ink-soft);
  max-width: 34ch;
  margin: 0 auto;
}

/* ============================================================
   WHY US — light cards with icons
   ============================================================ */
.why { background: var(--paper); }

.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: clamp(20px, 3vw, 32px);
}
.why-card {
  background: var(--white);
  border: 1px solid rgba(61, 59, 59, 0.06);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
  padding: clamp(30px, 3.5vw, 44px) clamp(26px, 3vw, 38px);
  transition: transform 0.35s var(--ease), box-shadow 0.35s var(--ease), border-color 0.35s;
}
.why-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow);
  border-color: var(--gold-line);
}
.why-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 56px; height: 56px;
  border-radius: 18px;
  background: linear-gradient(140deg, #F8EBD2, var(--gold-soft));
  border: 1px solid var(--gold-line);
  color: var(--gold-deep);
  margin-bottom: 22px;
}
.why-icon svg { width: 28px; height: 28px; }
.why-card h3 { margin-bottom: 12px; }
.why-card p { font-size: 0.96rem; color: var(--ink-soft); }

/* Broker explainer callout */
.broker-note {
  margin-top: clamp(28px, 4vw, 48px);
  background: linear-gradient(150deg, #FDF9F0 0%, #F6EDDB 100%);
  border: 1px solid var(--gold-line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
  padding: clamp(32px, 4vw, 50px) clamp(28px, 4vw, 56px);
}
.broker-note h3 {
  margin-bottom: 14px;
  font-size: 1.55rem;
}
.broker-note p {
  font-size: 1rem;
  line-height: 1.75;
  color: var(--ink);
  max-width: 880px;
}

/* ============================================================
   TRUST — the single dark statement band
   ============================================================ */
.trust {
  position: relative;
  background:
    radial-gradient(ellipse 70% 60% at 90% 0%, rgba(233, 196, 125, 0.1), transparent 55%),
    linear-gradient(160deg, var(--charcoal) 0%, var(--charcoal-deep) 100%);
  overflow: hidden;
}
.trust-arcs {
  position: absolute;
  width: 560px;
  right: -180px;
  bottom: -260px;
  pointer-events: none;
}
.trust-inner {
  position: relative;
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: clamp(44px, 6vw, 96px);
  align-items: center;
}
.trust h2 { color: var(--paper); margin-bottom: 20px; }
.trust-text p { color: rgba(250, 248, 244, 0.72); }
.trust-text p + p { margin-top: 16px; }
.trust-subtitle {
  font-family: var(--serif);
  font-size: clamp(1.3rem, 2.2vw, 1.65rem);
  font-weight: 500;
  font-style: italic;
  color: var(--gold);
  margin-top: 30px;
  margin-bottom: 12px;
}

.trust-marks {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.trust-mark {
  border: 1px solid rgba(233, 196, 125, 0.3);
  border-radius: var(--radius-sm);
  background: rgba(250, 248, 244, 0.04);
  padding: 24px 18px;
  text-align: center;
  font-family: var(--sans);
  font-size: 0.92rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  color: var(--gold);
  transition: background 0.35s var(--ease), border-color 0.35s var(--ease), transform 0.35s var(--ease);
}
.trust-mark:hover {
  background: rgba(233, 196, 125, 0.1);
  border-color: rgba(233, 196, 125, 0.6);
  transform: translateY(-3px);
}

.trust-cta {
  margin-top: clamp(48px, 6vw, 72px);
  padding-top: clamp(36px, 4.5vw, 52px);
  border-top: 1px solid rgba(233, 196, 125, 0.25);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
}
.trust-people {
  font-family: var(--serif);
  font-style: italic;
  font-size: clamp(1.15rem, 1.9vw, 1.4rem);
  line-height: 1.55;
  color: rgba(250, 248, 244, 0.9);
  max-width: 600px;
}
.trust-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

/* ============================================================
   CONTACT
   ============================================================ */
.contact {
  background:
    radial-gradient(ellipse 50% 40% at 15% 100%, rgba(233, 196, 125, 0.1), transparent 60%),
    var(--paper);
}

.contact-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: clamp(20px, 3vw, 32px);
}

.contact-card {
  display: flex;
  flex-direction: column;
  gap: 6px;
  background: var(--white);
  border: 1px solid rgba(61, 59, 59, 0.06);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
  padding: clamp(30px, 3.5vw, 44px) clamp(26px, 3vw, 38px);
  transition: transform 0.35s var(--ease), box-shadow 0.35s var(--ease), border-color 0.35s;
}
.contact-card:not(.static):hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow);
  border-color: var(--gold-line);
}
.contact-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px; height: 52px;
  border-radius: 16px;
  background: linear-gradient(140deg, #F8EBD2, var(--gold-soft));
  border: 1px solid var(--gold-line);
  color: var(--gold-deep);
  margin-bottom: 16px;
}
.contact-icon svg { width: 26px; height: 26px; }
.contact-label {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold-deep);
}
.contact-value {
  font-family: var(--sans);
  font-size: 1.22rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  color: var(--charcoal);
  word-break: break-word;
}
.contact-extra { font-size: 0.86rem; color: var(--ink-soft); }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--charcoal-deep);
  padding: 56px 0 36px;
  color: rgba(250, 248, 244, 0.6);
  font-size: 0.86rem;
}
.footer-inner { display: flex; flex-direction: column; gap: 26px; }
.footer-brand { display: flex; align-items: center; gap: 24px; flex-wrap: wrap; }
.footer-lockup {
  display: inline-flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 7px;
}
.footer-logo {
  height: 30px;
  width: auto;
  display: block;
}
.footer-tagline {
  font-family: var(--serif);
  font-style: italic;
  font-size: 0.92rem;
  font-weight: 500;
  letter-spacing: 0.01em;
  text-transform: lowercase;
  color: rgba(233, 196, 125, 0.8);
  /* δεξιά ευθυγράμμιση με το τέλος του λογότυπου */
  align-self: stretch;
  text-align: right;
  line-height: 1;
  white-space: nowrap;
}
.footer-legal-name {
  font-size: 0.82rem;
  letter-spacing: 0.06em;
  color: rgba(250, 248, 244, 0.75);
}
.footer-disclosures {
  border-top: 1px solid rgba(250, 248, 244, 0.1);
  padding-top: 22px;
  display: flex;
  flex-direction: column;
  gap: 6px;
  line-height: 1.6;
}
.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 26px;
}
.footer-links a {
  font-size: 0.82rem;
  color: rgba(250, 248, 244, 0.65);
  border-bottom: 1px solid transparent;
  transition: color 0.3s, border-color 0.3s;
  padding-bottom: 1px;
}
.footer-links a:hover {
  color: var(--gold);
  border-bottom-color: var(--gold);
}

.footer-bottom {
  border-top: 1px solid rgba(250, 248, 244, 0.1);
  padding-top: 22px;
  font-size: 0.8rem;
}

/* ============================================================
   REVEAL ANIMATIONS
   ============================================================ */
.reveal {
  opacity: 0;
  transform: translateY(26px);
  transition: opacity 0.9s var(--ease), transform 0.9s var(--ease);
}
.reveal.visible { opacity: 1; transform: none; }
.reveal.d1 { transition-delay: 0.12s; }
.reveal.d2 { transition-delay: 0.24s; }
.reveal.d3 { transition-delay: 0.36s; }

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

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1080px) {
  .hero-arcs { opacity: 0.55; }
}

@media (max-width: 1080px) and (min-width: 721px) {
  .steps { grid-template-columns: repeat(3, 1fr); }
  .svc-grid { grid-template-columns: 1fr 1fr; }
  .risk-grid { grid-template-columns: 1fr 1fr; }
  .capabilities { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 960px) {
  .about-grid, .trust-inner { grid-template-columns: 1fr; }
  .pillars { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .principles { grid-template-columns: 1fr; gap: 40px; }
  .contact-grid { grid-template-columns: 1fr; }
  .hero-stats { grid-template-columns: 1fr; }
  .stat-card + .stat-card::before {
    top: 0; bottom: auto; left: 10%; right: 10%;
    width: auto; height: 1px;
    background: linear-gradient(to right, transparent, var(--gold-line), transparent);
  }
  .tag::after { margin: 0 12px; }
  .hero-arcs { top: auto; bottom: -160px; right: -160px; opacity: 0.4; }

  .nav-toggle { display: flex; }
  .main-nav {
    position: fixed;
    top: 0; right: 0;
    height: 100vh;
    width: min(78vw, 340px);
    background: var(--paper);
    flex-direction: column;
    align-items: flex-start;
    justify-content: center;
    gap: 8px;
    padding: 40px;
    transform: translateX(100%);
    transition: transform 0.45s var(--ease);
    box-shadow: -20px 0 60px rgba(61, 59, 59, 0.18);
  }
  .main-nav.open { transform: translateX(0); }
  .main-nav a {
    font-size: 1.15rem;
    padding: 12px 0;
    width: 100%;
    border-bottom: 1px solid var(--line);
  }
  .main-nav a.nav-cta {
    margin-top: 18px;
    text-align: center;
    justify-content: center;
    display: inline-flex;
    border-bottom: none;
  }
}

@media (max-width: 720px) {
  .steps { grid-template-columns: 1fr; }
  .svc-grid.one-col { grid-template-columns: 1fr; }
}

@media (max-width: 720px) {
  .risk-grid { grid-template-columns: 1fr; }
  .capabilities { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 480px) {
  .capabilities { grid-template-columns: 1fr; }
}

@media (max-width: 600px) {
  .svc-grid { grid-template-columns: 1fr; }
  .brand-logo { height: 26px; }
}

@media (max-width: 480px) {
  body { font-size: 16px; }
  .btn { width: 100%; }
  .hero-actions { flex-direction: column; }
}

/* ============================================================
   LEGAL PAGES (standalone — Πολιτικές & Ενημερώσεις)
   ============================================================ */
.legal-body { background: var(--paper); color: var(--ink); }

.legal-header {
  position: sticky;
  top: 0; z-index: 50;
  background: rgba(250, 248, 244, 0.9);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}
.legal-header-inner {
  max-width: 1000px;
  margin: 0 auto;
  padding: 15px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}
.legal-header .brand-logo { height: 30px; width: auto; display: block; }
.legal-back {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--ink);
  white-space: nowrap;
  transition: color 0.3s;
}
.legal-back:hover { color: var(--gold-deep); }

.legal-main { padding: clamp(40px, 6vw, 78px) 0 clamp(56px, 7vw, 90px); }
.legal-container { max-width: 820px; margin: 0 auto; padding: 0 24px; }
.legal-container > .chip { margin-bottom: 20px; }
.legal-container h1 {
  font-family: var(--serif);
  font-weight: 500;
  font-size: clamp(2rem, 4vw, 2.8rem);
  color: var(--charcoal);
  line-height: 1.15;
  margin-bottom: 18px;
}
.legal-intro {
  color: var(--ink-soft);
  font-size: 1.05rem;
  line-height: 1.8;
  margin-bottom: 34px;
  padding-bottom: 30px;
  border-bottom: 1px solid var(--line);
}
.legal-container h2 {
  font-family: var(--sans);
  font-size: 1.12rem;
  font-weight: 700;
  letter-spacing: 0.01em;
  color: var(--charcoal);
  margin: 40px 0 14px;
}
.legal-container h3 {
  font-family: var(--sans);
  font-size: 1.02rem;
  font-weight: 600;
  color: var(--charcoal);
  margin: 26px 0 10px;
}
.legal-container p { margin-bottom: 16px; line-height: 1.8; }
.legal-container ul { list-style: none; margin: 0 0 18px; padding: 0; }
.legal-container li {
  position: relative;
  padding-left: 24px;
  margin-bottom: 11px;
  line-height: 1.75;
}
.legal-container li::before {
  content: "";
  position: absolute;
  left: 3px; top: 11px;
  width: 6px; height: 6px;
  background: var(--gold);
  transform: rotate(45deg);
}
.legal-container strong { color: var(--charcoal); font-weight: 600; }
.legal-container a {
  color: var(--gold-deep);
  border-bottom: 1px solid var(--gold-line);
  word-break: break-word;
}
.legal-meta {
  margin-top: 42px;
  padding-top: 24px;
  border-top: 1px solid var(--line);
  font-size: 0.9rem;
  color: var(--ink-soft);
}

.legal-footer {
  background: var(--charcoal-deep);
  color: rgba(250, 248, 244, 0.6);
  padding: 30px 24px;
  font-size: 0.85rem;
  text-align: center;
}
.legal-footer a { color: var(--gold); border: none; }

/* Legal — language switch & translation disclaimer */
.legal-tools { display: flex; align-items: center; gap: 18px; }
.legal-lang { display: flex; align-items: center; gap: 6px; font-size: 0.84rem; }
.legal-lang a {
  font-weight: 600;
  letter-spacing: 0.08em;
  color: var(--ink-soft);
  border: none;
}
.legal-lang a:hover { color: var(--gold-deep); }
.legal-lang a.active { color: var(--gold-deep); border-bottom: 2px solid var(--gold); }
.legal-lang span { color: var(--line); }

.legal-disclaimer {
  background: var(--gold-soft);
  border: 1px solid var(--gold-line);
  border-radius: var(--radius-sm);
  padding: 18px 22px;
  margin-bottom: 34px;
  font-size: 0.92rem;
  line-height: 1.65;
  color: var(--charcoal);
}
.legal-disclaimer strong { color: var(--charcoal); }

@media (max-width: 520px) {
  .legal-back { display: none; }
}