* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  background: #f4f4f6;
  color: #2d2d2d;
}

a {
  color: inherit;
}

.topbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  height: 74px;
  background: #ffffff;
  border-bottom: 1px solid #ddd;
  box-shadow: 0 2px 10px rgba(0,0,0,0.12);
  z-index: 20;
  display: flex;
  align-items: center;
  padding: 0 28px;
}

.brand {
  font-size: 1.35rem;
  font-weight: 900;
  text-decoration: none;
  letter-spacing: -0.03em;
}

.sidebar {
  position: fixed;
  top: 74px;
  left: 0;
  bottom: 0;
  width: 124px;
  background: #f8f8f8;
  border-right: 1px solid #ddd;
  z-index: 10;
  display: flex;
  flex-direction: column;
  align-items: stretch;
}

.sidebar a {
  text-decoration: none;
  color: #333;
  padding: 18px 8px;
  text-align: center;
  font-size: 0.9rem;
  border-bottom: 1px solid #eee;
}

.sidebar a span {
  display: block;
  font-size: 1.45rem;
  margin-bottom: 6px;
}

.sidebar a:hover {
  background: #000;
  color: #fff;
}

.content {
  margin-left: 124px;
  padding-top: 74px;
}

.hero-panel {
  min-height: 560px;
  background:
    linear-gradient(135deg, rgba(0,0,0,0.96), rgba(0,0,0,0.86)),
    radial-gradient(circle at right, rgba(230, 184, 55, 0.35), transparent 38%);
  color: #fff;
  padding: 86px 42px;
  display: grid;
  grid-template-columns: 1.1fr 0.7fr;
  gap: 48px;
  align-items: center;
}

.hero-copy h1 {
  font-size: clamp(3rem, 6vw, 5.8rem);
  line-height: 0.95;
  margin: 0 0 28px;
  letter-spacing: -0.06em;
}

.hero-copy p {
  font-size: 1.25rem;
  line-height: 1.65;
  max-width: 760px;
  color: #f1f1f1;
}

.hero-card {
  border: 2px solid #d3a52d;
  border-radius: 10px;
  padding: 28px;
  background: rgba(255,255,255,0.04);
}

.hero-card h3 {
  font-size: 1.8rem;
  margin: 0 0 18px;
}

.hero-card li {
  margin-bottom: 12px;
  font-size: 1.05rem;
}

.section {
  padding: 64px 42px;
  background: #fff;
  border-bottom: 1px solid #e2e2e2;
}

.section h2 {
  font-size: clamp(2.2rem, 4vw, 3.4rem);
  margin: 0 0 28px;
  letter-spacing: -0.04em;
}

.section p,
.section li {
  font-size: 1.16rem;
  line-height: 1.7;
  color: #4d5466;
  max-width: 940px;
}

.section-banner {
  background:
    linear-gradient(135deg, rgba(0,0,0,0.94), rgba(0,0,0,0.82)),
    radial-gradient(circle at right, rgba(230, 184, 55, 0.38), transparent 35%);
  color: #fff;
  margin: -64px -42px 42px;
  padding: 54px 42px;
}

.section-banner h2 {
  margin: 0;
  color: #fff;
}

.bio-layout {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 48px;
  align-items: start;
}

.image-placeholder {
  height: 340px;
  background: #111;
  color: #aaa;
  border: 2px solid #d3a52d;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 24px;
}

.profile-image-card {
  margin: 0;
  border: 2px solid #d3a52d;
  border-radius: 12px;
  overflow: hidden;
  background: #0e0e0e;
}

.profile-image-card img {
  width: 100%;
  height: 100%;
  min-height: 420px;
  object-fit: cover;
  display: block;
}

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

.card {
  background: #fff;
  border-radius: 10px;
  overflow: hidden;
}

.card h3 {
  font-size: 1.45rem;
  line-height: 1.25;
  margin: 0 0 12px;
}

.card p {
  font-size: 1rem;
  color: #555;
}

.card a {
  font-weight: 800;
  text-decoration: none;
  border-bottom: 2px solid #222;
}

.thumb {
  height: 150px;
  background: #111;
  color: #d3a52d;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 900;
  margin-bottom: 18px;
  border-radius: 8px;
}

.thumb img {
  max-width: 100%;
  max-height: 100%;
  object-fit: contain;
}

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

.image-grid div {
  min-height: 220px;
  background: #111;
  color: #d3a52d;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 900;
}

.lead {
  font-size: 1.55rem !important;
  color: #222 !important;
  font-weight: 900;
}

.disclaimer {
  padding: 60px 42px;
  background: #ffffff;
}

.disclaimer p {
  max-width: 1050px;
  font-size: 1.05rem;
  line-height: 1.45;
  color: #333;
}

.footer {
  padding: 70px 42px;
  background: #f1f1f4;
}

.footer h2 {
  font-size: 1.8rem;
  letter-spacing: -0.04em;
}

.footer p {
  color: #555;
}

.footer a {
  font-weight: 800;
}

.copyright {
  margin-top: 32px;
  color: #888 !important;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

@media (max-width: 900px) {
  .sidebar {
    display: none;
  }

  .content {
    margin-left: 0;
  }

  .hero-panel,
  .bio-layout,
  .card-grid,
  .image-grid {
    grid-template-columns: 1fr;
  }

  .hero-panel {
    padding: 72px 26px;
  }

  .section,
  .footer,
  .disclaimer {
    padding-left: 26px;
    padding-right: 26px;
  }

  .section-banner {
    margin-left: -26px;
    margin-right: -26px;
    padding-left: 26px;
    padding-right: 26px;
  }
}

.dark-banner {
  background:
    linear-gradient(135deg, #000 0%, #111 60%, #1f1f1f 100%);
  color: #fff;
  padding: 58px 42px;
  margin: -64px -42px 48px;
}

.dark-banner.gold {
  background:
    linear-gradient(135deg, #000 0%, #111 55%, rgba(211,165,45,0.35) 100%);
}

.dark-banner h2 {
  color: #fff;
  font-size: clamp(2.6rem, 5vw, 4.2rem);
  margin: 0 0 18px;
}

.dark-banner p {
  color: #f0c451;
  max-width: 900px;
  font-size: 1.25rem;
}

.resource-row {
  display: grid;
  grid-template-columns: repeat(4, minmax(220px, 1fr));
  gap: 28px;
  margin-bottom: 78px;
}

.resource-card h3 {
  font-size: 1.35rem;
  margin: 16px 0 8px;
}

.resource-card p {
  font-size: 1rem;
  line-height: 1.45;
  color: #555;
}

.resource-card a {
  display: inline-block;
  margin-top: 10px;
  color: #111;
  font-weight: 900;
  text-decoration: none;
  border-bottom: 2px solid #d3a52d;
}

.resource-card a:hover {
  opacity: 0.65;
}

.institution-logo {
  height: 120px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: #fff;
  border-radius: 8px;
}

.institution-logo img {
  max-height: 70px;
  max-width: 140px;
  object-fit: contain;
}

.disclaimer-small {
  margin-top: -34px;
  font-size: 0.92rem !important;
  line-height: 1.5 !important;
  color: #6d7383 !important;
  max-width: 900px;
}

.resource-thumb {
  height: 150px;
  border-radius: 8px;
  background:
    linear-gradient(135deg, #111, #262626);
  color: #d3a52d;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 900;
  text-transform: uppercase;
}

.row-title {
  font-size: 2rem;
  margin: 48px 0 24px;
}

.image-library {
  display: grid;
  grid-template-columns: repeat(4, minmax(220px, 1fr));
  gap: 28px;
  margin-bottom: 78px;
}

.image-tile {
  margin: 0;
  height: 220px;
  border-radius: 8px;
  background: #111;
  overflow: hidden;
  position: relative;
}

.image-tile img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.image-tile figcaption {
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  margin: 0;
  padding: 10px 12px;
  color: #fff;
  font-weight: 700;
  font-size: 0.92rem;
  background: linear-gradient(180deg, transparent 0%, rgba(0, 0, 0, 0.78) 100%);
}

.section-logo {
  margin: -6px 0 24px;
}

.section-logo img {
  width: min(280px, 100%);
  max-height: 140px;
  object-fit: contain;
  display: block;
}

.logo-thumb {
  background: #fff;
  padding: 12px;
}

.logo-thumb img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  display: block;
}

.institution-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 40px;
  margin-top: 40px;
}

.institution-card {
  text-align: center;
  padding: 24px;
  border-radius: 10px;
  background: #fff;
  transition: all 0.25s ease;
}

.institution-card:hover {
  transform: translateY(-6px);
}

.institution-card img {
  height: 60px;
  object-fit: contain;
  margin-bottom: 16px;
  filter: grayscale(100%);
  opacity: 0.85;
}

.institution-card h3 {
  font-size: 1.1rem;
  margin-bottom: 6px;
}

.institution-card p {
  font-size: 0.9rem;
  color: #666;
}

.regulatory-disclaimer {
  margin-top: 40px;
  font-size: 0.85rem;
  color: #888;
  max-width: 700px;
}

@media (max-width: 1100px) {
  .resource-row,
  .image-library,
  .institution-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 700px) {
  .resource-row,
  .image-library,
  .institution-grid {
    grid-template-columns: 1fr;
  }
}

.institution-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
  margin-top: 42px;
}

.institution-card {
  display: block;
  text-align: center;
  padding: 28px 18px;
  border-radius: 12px;
  background: #ffffff;
  border: 1px solid #e5e5e5;
  text-decoration: none;
  color: inherit;
  transition: transform 0.22s ease, box-shadow 0.22s ease;
}

.institution-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 18px 34px rgba(0, 0, 0, 0.08);
}

.institution-card img {
  height: 64px;
  max-width: 150px;
  object-fit: contain;
  margin-bottom: 18px;
  filter: grayscale(100%);
  opacity: 0.84;
}

.institution-card h3 {
  font-size: 1.05rem;
  line-height: 1.25;
  margin: 0 0 8px;
}

.institution-card p {
  font-size: 0.92rem;
  line-height: 1.4;
  color: #666;
  margin: 0 auto;
}

.regulatory-disclaimer {
  margin-top: 38px;
  font-size: 0.86rem !important;
  line-height: 1.45 !important;
  color: #777 !important;
  max-width: 840px !important;
}

@media (max-width: 1100px) {
  .institution-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 700px) {
  .institution-grid {
    grid-template-columns: 1fr;
  }
}