/* ─── Hero ─── */
.approach-hero {
  background: var(--navy);
  padding: 0 40px;
}

.approach-hero-inner {
  max-width: 680px;
  padding: 80px 0 56px;
}

.approach-h1 {
  font-family: var(--font-display);
  font-size: clamp(36px, 4.5vw, 58px);
  font-weight: 400;
  color: var(--white);
  line-height: 1.1;
  margin-bottom: 20px;
  font-style: italic;
}

.approach-sub {
  font-size: 17px;
  line-height: 1.75;
  color: var(--navy-pale);
  max-width: 580px;
  font-weight: 300;
}

.approach-hero-stats {
  display: flex;
  align-items: center;
  border-top: 1px solid var(--navy-light);
  padding: 28px 0;
}

.astat {
  flex: 1;
  padding: 0 32px;
}

.astat:first-child { padding-left: 0; }

.astat-num {
  font-family: var(--font-display);
  font-size: 34px;
  color: var(--white);
  line-height: 1;
  margin-bottom: 6px;
}

.astat-num span {
  font-size: 20px;
  color: var(--gold);
}

.astat-label {
  font-size: 12px;
  color: var(--navy-pale);
  line-height: 1.5;
  font-weight: 300;
  max-width: 160px;
}

.astat-div {
  width: 1px;
  height: 44px;
  background: var(--navy-light);
  flex-shrink: 0;
}

/* ─── Philosophy / Compare table ─── */
.phil-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 56px;
  align-items: start;
}

.compare-table {
  border: 1px solid var(--border-light);
  border-radius: 10px;
  overflow: hidden;
  font-size: 12px;
}

.ct-header {
  display: grid;
  grid-template-columns: 100px 1fr 1fr 1fr;
  background: var(--navy);
  padding: 10px 0;
}

.ct-col-label {
  font-size: 10px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--navy-pale);
  padding: 0 12px;
  font-weight: 500;
}

.ct-col-ind { color: #8BA5C4; }
.ct-col-emp { color: var(--gold); }
.ct-col-auo { color: #97C459; }

.ct-row {
  display: grid;
  grid-template-columns: 100px 1fr 1fr 1fr;
  border-top: 1px solid var(--border-light);
}

.ct-row-label {
  font-size: 11px;
  font-weight: 500;
  color: var(--text-muted);
  padding: 12px;
  letter-spacing: 0.03em;
  display: flex;
  align-items: center;
  background: var(--cream);
  border-right: 1px solid var(--border-light);
}

.ct-cell {
  padding: 12px;
  line-height: 1.5;
  color: var(--text-mid);
  border-right: 1px solid var(--border-light);
  display: flex;
  align-items: center;
}

.ct-cell:last-child { border-right: none; }

.ct-cell-neg {
  background: #FEF8F8;
  color: #7F1D1D;
}

.ct-cell-fact {
  background: var(--amber-pale);
  color: var(--amber-mid);
  font-weight: 500;
}

.ct-cell-pos {
  background: var(--green-pale);
  color: var(--green-mid);
}

/* ─── ARM Factors ─── */
.factors-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
  margin-bottom: 48px;
}

.factor-card {
  border: 1px solid var(--border-light);
  border-radius: 10px;
  padding: 24px 20px;
  background: var(--white);
  transition: border-color 0.2s, transform 0.2s;
}

.factor-card:hover {
  border-color: rgba(12,35,64,0.2);
  transform: translateY(-2px);
}

.factor-badge {
  display: inline-block;
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 3px 8px;
  border-radius: 3px;
  margin-bottom: 12px;
}

.factor-m { background: var(--blue-pale); color: var(--blue-mid); }
.factor-v { background: var(--green-pale); color: var(--green-mid); }
.factor-e { background: var(--amber-pale); color: var(--amber-mid); }
.factor-i { background: #EEEDFE; color: #3C3489; }

.factor-title {
  font-size: 14px;
  font-weight: 500;
  color: var(--text);
  margin-bottom: 10px;
  line-height: 1.3;
}

.factor-body {
  font-size: 12px;
  color: var(--text-mid);
  line-height: 1.65;
}

/* ─── Regime visual ─── */
.regime-visual {
  border: 1px solid var(--border-light);
  border-radius: 12px;
  padding: 28px;
  background: var(--white);
}

.rv-label {
  font-size: 11px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 14px;
}

.rv-bar {
  display: flex;
  border-radius: 8px;
  overflow: hidden;
  margin-bottom: 8px;
}

.rv-seg {
  flex: 1;
  padding: 16px 14px;
  transition: flex 0.3s;
}

.rv-seg:hover { flex: 1.4; }

.rv-agg { background: #042C53; }
.rv-gr  { background: #185FA5; }
.rv-mod { background: #85B7EB; }
.rv-con { background: #EF9F27; }
.rv-off { background: #E24B4A; }

.rv-seg-name {
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 6px;
  white-space: nowrap;
}

.rv-agg .rv-seg-name,
.rv-gr .rv-seg-name  { color: #E6F1FB; }
.rv-mod .rv-seg-name { color: #042C53; }
.rv-con .rv-seg-name { color: #412402; }
.rv-off .rv-seg-name { color: #FCEBEB; }

.rv-seg-desc {
  font-size: 10px;
  line-height: 1.4;
  opacity: 0;
  transition: opacity 0.2s;
  overflow: hidden;
}

.rv-seg:hover .rv-seg-desc { opacity: 1; }

.rv-agg .rv-seg-desc,
.rv-gr .rv-seg-desc  { color: #B5D4F4; }
.rv-mod .rv-seg-desc { color: #0C447C; }
.rv-con .rv-seg-desc { color: #633806; }
.rv-off .rv-seg-desc { color: #F7C1C1; }

.rv-axis {
  display: flex;
  justify-content: space-between;
  font-size: 10px;
  color: var(--text-muted);
  margin-top: 6px;
  margin-bottom: 14px;
}

.rv-disc {
  font-size: 10px;
  color: var(--text-muted);
  line-height: 1.6;
  border-top: 1px solid var(--border-light);
  padding-top: 12px;
}

/* ─── Process steps ─── */
.process-steps {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 28px;
}

.process-step {
  flex: 1;
  min-width: 160px;
  background: rgba(255,255,255,0.04);
  border: 1px solid var(--navy-light);
  border-radius: 10px;
  padding: 24px 20px;
}

.ps-num {
  font-family: var(--font-display);
  font-size: 12px;
  color: var(--navy-muted);
  letter-spacing: 0.06em;
  margin-bottom: 12px;
}

.ps-icon {
  color: var(--gold);
  margin-bottom: 12px;
}

.ps-title {
  font-size: 15px;
  font-weight: 500;
  color: var(--white);
  margin-bottom: 10px;
}

.ps-body {
  font-size: 12px;
  color: var(--navy-pale);
  line-height: 1.65;
}

.process-arrow {
  color: var(--navy-muted);
  font-size: 18px;
  padding-top: 52px;
  flex-shrink: 0;
}

.process-note {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 14px 18px;
  background: rgba(184,134,11,0.08);
  border: 1px solid rgba(184,134,11,0.2);
  border-radius: 6px;
  font-size: 13px;
  color: var(--navy-pale);
  line-height: 1.5;
}

.process-note svg { color: var(--gold); flex-shrink: 0; margin-top: 1px; }

/* ─── ETF section ─── */
.etf-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: start;
}

.etf-benefits {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.etf-benefit {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  padding: 18px;
  border: 1px solid var(--border-light);
  border-radius: 8px;
  background: var(--white);
  transition: border-color 0.2s;
}

.etf-benefit:hover { border-color: rgba(12,35,64,0.2); }

.etf-benefit-icon {
  width: 36px;
  height: 36px;
  border-radius: 6px;
  background: var(--gold-pale);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  flex-shrink: 0;
}

.etf-benefit-title {
  font-size: 13px;
  font-weight: 500;
  color: var(--text);
  margin-bottom: 3px;
}

.etf-benefit-body {
  font-size: 12px;
  color: var(--text-mid);
  line-height: 1.55;
}

/* ─── Downside mitigation ─── */
.dm-grid {
  display: grid;
  grid-template-columns: 300px 1fr;
  gap: 56px;
  align-items: start;
}

.dm-stat-panel {
  background: var(--navy);
  border-radius: 12px;
  padding: 32px;
  color: var(--white);
  text-align: center;
}

.dm-big-num {
  font-family: var(--font-display);
  font-size: 64px;
  color: var(--white);
  line-height: 1;
}

.dm-big-num span { font-size: 36px; color: var(--gold); }

.dm-big-label {
  font-size: 12px;
  color: var(--navy-pale);
  margin-top: 4px;
  letter-spacing: 0.03em;
}

.dm-big-rule {
  width: 32px;
  height: 1px;
  background: var(--navy-light);
  margin: 20px auto;
}

.dm-big-sub {
  font-size: 13px;
  color: var(--navy-pale);
  line-height: 1.6;
  margin-bottom: 16px;
}

.dm-big-sub strong { color: var(--white); }

.dm-source {
  font-size: 10px;
  color: #4A6480;
  line-height: 1.5;
  margin-bottom: 20px;
}

.dm-quote {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 14px;
  color: var(--gold);
  line-height: 1.5;
  padding: 14px;
  border: 1px solid rgba(184,134,11,0.25);
  border-radius: 6px;
}

.dm-principles {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-top: 4px;
}

.dm-principle {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}

.dm-principle-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--gold-pale);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 14px;
  font-weight: 500;
  flex-shrink: 0;
  margin-top: 1px;
}

.dm-principle-title {
  font-size: 14px;
  font-weight: 500;
  color: var(--text);
  margin-bottom: 3px;
}

.dm-principle-body {
  font-size: 13px;
  color: var(--text-mid);
  line-height: 1.6;
}

/* ─── Reveal ─── */

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

@media (max-width: 900px) {
  .approach-hero { padding: 0 20px; }
  .approach-hero-inner { padding: 60px 0 40px; }
  .approach-hero-stats { flex-direction: column; align-items: flex-start; gap: 20px; padding: 24px 0; }
  .astat { padding: 0; }
  .astat-div { width: 40px; height: 1px; }
  .phil-grid { grid-template-columns: 1fr; gap: 32px; }
  .ct-header,
  .ct-row { grid-template-columns: 80px 1fr 1fr 1fr; }
  .factors-grid { grid-template-columns: 1fr 1fr; }
  .etf-grid { grid-template-columns: 1fr; gap: 32px; }
  .dm-grid { grid-template-columns: 1fr; }
  .process-steps { flex-direction: column; }
  .process-arrow { display: none; }
  .process-step { min-width: 0; width: 100%; }
}

@media (max-width: 600px) {
  .factors-grid { grid-template-columns: 1fr; }
  .ct-header { display: none; }
  .ct-row { grid-template-columns: 1fr; }
  .ct-row-label { border-right: none; font-weight: 600; background: var(--navy); color: var(--white); }
  .ct-cell { border-right: none; }
  .rv-seg-desc { opacity: 1; }
}