/* ============================================================
   DREAMFILL TECH — BANK MANAGEMENT PAGE PREMIUM STYLES
   bm-* prefix · Light Theme Only · Inherits design tokens
   ============================================================ */

/* ─── HERO ──────────────────────────────────────────────── */
.bm-hero {
  padding-top: calc(var(--nav-h) + 76px);
  padding-bottom: 84px;
  background: linear-gradient(158deg, #FDFAF6 0%, #F9F4EE 44%, #F5EDE3 100%);
  position: relative; overflow: hidden;
  min-height: 90vh; display: flex; align-items: center;
}

.bm-hero::before {
  content: ''; position: absolute; inset: 0;
  background-image: radial-gradient(circle, rgba(198,157,116,0.2) 1px, transparent 1px);
  background-size: 28px 28px;
  mask-image: radial-gradient(ellipse at 74% 50%, black 26%, transparent 64%);
  -webkit-mask-image: radial-gradient(ellipse at 74% 50%, black 26%, transparent 64%);
  pointer-events: none; z-index: 0;
}

.bm-hero::after {
  content: ''; position: absolute; right: -80px; top: -80px;
  width: 760px; height: 760px; border-radius: 50%;
  background: radial-gradient(ellipse, rgba(216,184,143,0.13) 0%, rgba(148,41,3,0.04) 42%, transparent 68%);
  pointer-events: none; z-index: 0;
}

.bm-hero .container { position: relative; z-index: 1; }

.bm-hero-grid {
  display: grid; grid-template-columns: 50% 50%;
  gap: 52px; align-items: center;
}

.bm-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 6px 14px; border-radius: var(--r-full);
  background: rgba(148,41,3,0.06); border: 1px solid rgba(148,41,3,0.13);
  font-family: var(--font-heading); font-size: 0.75rem; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase; color: var(--brand-primary);
  margin-bottom: 24px;
}

.bm-hero-title {
  font-family: var(--font-heading);
  font-size: clamp(2.1rem, 3.8vw, 3.25rem);
  font-weight: 800; letter-spacing: -0.04em; line-height: 1.08;
  color: var(--text-primary); margin-bottom: 22px;
}

.bm-hero-title .bmh-accent {
  background: linear-gradient(135deg, var(--brand-primary) 15%, var(--brand-secondary) 100%);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}

.bm-hero-desc {
  font-size: 1.0625rem; color: var(--text-muted);
  line-height: 1.8; max-width: 490px; margin-bottom: 36px;
}

.bm-hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 36px; }

.bm-hero-trust {
  display: flex; flex-wrap: wrap; gap: 14px;
  padding-top: 26px; border-top: 1px solid var(--border-default);
}

.bm-trust-pill {
  display: flex; align-items: center; gap: 7px;
  font-family: var(--font-heading); font-size: 0.78rem; font-weight: 600; color: var(--text-muted);
}

.bm-trust-pill i { color: var(--brand-secondary); }

/* ── HERO RIGHT — Bank Governance Dashboard ── */
.bm-hero-visual {
  position: relative; height: 580px;
  display: flex; align-items: center; justify-content: center;
}

.bmh-ring {
  position: absolute; border-radius: 50%;
  border: 1px solid rgba(198,157,116,0.16);
  pointer-events: none; top: 50%; left: 50%;
}

.bmh-ring-1 { width: 370px; height: 370px; transform: translate(-50%,-50%); animation: spin-ring 55s linear infinite; }
.bmh-ring-2 { width: 490px; height: 490px; transform: translate(-50%,-50%); border-style: dashed; opacity: 0.18; animation: spin-ring 80s linear infinite reverse; }

.bmh-node { position: absolute; width: 7px; height: 7px; border-radius: 50%; background: var(--brand-secondary); opacity: 0.4; pointer-events: none; }
.bmh-node-1 { top: 10%; right: 14%; animation: pulse-node 3.4s infinite; }
.bmh-node-2 { top: 78%; right: 8%;  animation: pulse-node 3.4s infinite 1.5s; }
.bmh-node-3 { top: 82%; left: 16%; animation: pulse-node 3.4s infinite 2.8s; }
.bmh-node-4 { top: 22%; left: 5%;  animation: pulse-node 3.4s infinite 2.1s; }

/* Main governance panel */
.bmh-panel {
  position: relative; z-index: 3; width: 308px;
  background: #FFFFFF; border: 1px solid rgba(229,221,214,0.9);
  border-radius: 20px; padding: 18px 16px;
  box-shadow: 0 32px 80px rgba(17,17,16,0.10), 0 8px 24px rgba(17,17,16,0.05), inset 0 1px 0 rgba(255,255,255,0.95);
}

.bmh-panel::before {
  content: ''; position: absolute; top: -1px; left: 14px; right: 14px; height: 2px;
  background: linear-gradient(90deg, transparent, var(--brand-secondary) 30%, var(--brand-primary) 65%, transparent);
  border-radius: 0 0 2px 2px;
}

.bmh-panel-hdr {
  display: flex; align-items: center; justify-content: space-between;
  padding-bottom: 12px; border-bottom: 1px solid var(--border-default); margin-bottom: 13px;
}

.bmh-panel-title {
  display: flex; align-items: center; gap: 7px;
  font-family: var(--font-heading); font-size: 0.84rem; font-weight: 700; color: var(--text-primary);
}

.bmh-panel-title i { color: var(--brand-primary); }

.bmh-on-track {
  display: flex; align-items: center; gap: 5px;
  padding: 2px 9px; border-radius: var(--r-full);
  background: #ECFDF5; border: 1px solid #D1FAE5;
  font-family: var(--font-heading); font-size: 0.68rem; font-weight: 700; color: #065F46;
}

.bmh-on-track-dot { width: 6px; height: 6px; border-radius: 50%; background: #10B981; animation: pulse-green 2.5s infinite; flex-shrink: 0; }

/* KPI tile row */
.bmh-kpi-row {
  display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin-bottom: 13px;
}

.bmh-kpi {
  background: var(--bg-beige); border: 1px solid var(--border-default);
  border-radius: 10px; padding: 10px 12px;
  display: flex; flex-direction: column; gap: 2px;
}

.bmh-kpi-val {
  font-family: var(--font-heading); font-size: 1.3rem; font-weight: 800;
  color: var(--text-primary); letter-spacing: -0.03em; line-height: 1;
}

.bmh-kpi-val.ok    { color: #059669; }
.bmh-kpi-val.brand { color: var(--brand-primary); }
.bmh-kpi-val.blue  { color: #1D4ED8; }

.bmh-kpi-label { font-size: 0.7rem; color: var(--text-light); font-weight: 500; }

/* Governance status rows */
.bmh-row {
  display: flex; align-items: center; justify-content: space-between;
  padding: 7px 0; border-bottom: 1px solid rgba(241,235,227,0.7); font-size: 0.82rem;
}

.bmh-row:last-of-type { border-bottom: none; }

.bmh-row-left { display: flex; align-items: center; gap: 8px; color: var(--text-muted); font-weight: 500; }

.bmh-row-icon {
  width: 26px; height: 26px; border-radius: 6px;
  background: var(--bg-beige); border: 1px solid var(--border-default);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.75rem; color: var(--brand-primary); flex-shrink: 0;
  transition: all var(--t-fast);
}

.bmh-row:hover .bmh-row-icon { background: var(--brand-primary); color: #fff; }

.bmh-badge {
  font-family: var(--font-heading); font-size: 0.7rem; font-weight: 700;
  padding: 2px 7px; border-radius: 4px;
}

.bmh-badge.ok   { color: #059669; background: #ECFDF5; }
.bmh-badge.blue { color: #1D4ED8; background: #EFF6FF; }
.bmh-badge.gold { color: var(--brand-dark); background: rgba(198,157,116,0.15); border: 1px solid rgba(198,157,116,0.3); }

/* Compliance coverage bar */
.bmh-coverage {
  margin-top: 12px; padding: 9px 12px;
  background: linear-gradient(90deg, rgba(148,41,3,0.05), rgba(198,157,116,0.08));
  border: 1px solid var(--border-brand); border-radius: 8px;
  display: flex; align-items: center; gap: 8px;
}

.bmh-coverage-label { font-size: 0.75rem; color: var(--text-muted); flex-shrink: 0; }
.bmh-coverage-track { flex: 1; height: 5px; background: var(--border-default); border-radius: 3px; overflow: hidden; }
.bmh-coverage-fill  { height: 100%; background: linear-gradient(90deg, var(--brand-secondary), var(--brand-primary)); border-radius: 3px; width: 0%; transition: width 1.6s cubic-bezier(0.16,1,0.3,1); }
.bmh-coverage-val   { font-family: var(--font-heading); font-size: 0.82rem; font-weight: 700; color: var(--brand-primary); flex-shrink: 0; }

/* Floating cards */
.bmh-float {
  position: absolute; background: #FFFFFF;
  border: 1px solid rgba(229,221,214,0.75); border-radius: 14px;
  padding: 10px 14px; box-shadow: 0 14px 44px rgba(17,17,16,0.09), 0 2px 8px rgba(17,17,16,0.04);
  display: flex; align-items: center; gap: 10px; z-index: 4; min-width: 152px;
}

.bmhf-1 { top: 14px;  left: -46px;  animation: float-y 5.5s ease-in-out infinite; }
.bmhf-2 { bottom: 28px; right: -52px; animation: float-y 6.2s ease-in-out infinite 2s; }

.bmhf-icon {
  width: 32px; height: 32px; border-radius: 8px;
  background: linear-gradient(135deg, rgba(148,41,3,0.08), rgba(198,157,116,0.12));
  border: 1px solid var(--border-brand);
  display: flex; align-items: center; justify-content: center;
  color: var(--brand-primary); font-size: 0.9rem; flex-shrink: 0;
}

.bmhf-text strong { display: block; font-family: var(--font-heading); font-size: 0.78rem; font-weight: 700; color: var(--text-primary); margin-bottom: 1px; }
.bmhf-text span   { display: block; font-size: 0.68rem; color: var(--text-muted); font-weight: 500; }

/* ─── BUSINESS CHALLENGE ─────────────────────────────── */
.bm-challenge { padding: var(--space-12) 0; background: #FFFFFF; }
.bm-challenge-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }

.bm-challenge-heading {
  font-family: var(--font-heading); font-size: clamp(1.85rem, 3vw, 2.65rem);
  font-weight: 800; letter-spacing: -0.035em; line-height: 1.1;
  color: var(--text-primary); margin: 16px 0 20px;
}

.bm-challenge-heading em { font-style: normal; color: var(--brand-primary); }
.bm-challenge-copy p { font-size: 1rem; color: var(--text-muted); line-height: 1.78; margin-bottom: 18px; }

/* Banking operations governance panel */
.bm-gov-panel {
  background: linear-gradient(148deg, #FDFAF6, #F8F2EB);
  border: 1px solid var(--border-default); border-radius: 20px; padding: 22px 20px;
  box-shadow: 0 24px 64px rgba(17,17,16,0.08), 0 4px 14px rgba(17,17,16,0.04);
  position: relative; overflow: hidden;
}

.bm-gov-panel::before {
  content: ''; position: absolute; top: -1px; left: 14px; right: 14px; height: 2px;
  background: linear-gradient(90deg, transparent, var(--brand-secondary) 30%, var(--brand-primary) 65%, transparent);
}

.bm-gov-panel::after {
  content: ''; position: absolute; top: -40px; right: -40px;
  width: 220px; height: 220px; border-radius: 50%;
  background: radial-gradient(circle, rgba(148,41,3,0.04) 0%, transparent 65%);
  pointer-events: none;
}

.bmgp-hdr {
  display: flex; align-items: center; justify-content: space-between;
  padding-bottom: 14px; border-bottom: 1px solid var(--border-default); margin-bottom: 14px;
}

.bmgp-title {
  display: flex; align-items: center; gap: 7px;
  font-family: var(--font-heading); font-size: 0.875rem; font-weight: 700; color: var(--text-primary);
}

.bmgp-title i { color: var(--brand-primary); }

.bmgp-on-track {
  display: flex; align-items: center; gap: 5px;
  padding: 3px 10px; border-radius: var(--r-full);
  background: #ECFDF5; border: 1px solid #D1FAE5;
  font-family: var(--font-heading); font-size: 0.7rem; font-weight: 700; color: #065F46;
}

.bmgp-dot { width: 6px; height: 6px; border-radius: 50%; background: #10B981; animation: pulse-green 2.5s infinite; flex-shrink: 0; }

/* KPI metric tiles */
.bmgp-kpis {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; margin-bottom: 14px; position: relative; z-index: 1;
}

.bmgp-kpi {
  background: #FFFFFF; border: 1px solid var(--border-default);
  border-radius: 10px; padding: 12px 10px; text-align: center;
  transition: all var(--t-fast);
}

.bmgp-kpi:hover { border-color: var(--border-brand); background: var(--brand-pale); }

.bmgp-kpi-val {
  font-family: var(--font-heading); font-size: 1.25rem; font-weight: 800;
  color: var(--text-primary); letter-spacing: -0.03em; display: block; margin-bottom: 3px;
}

.bmgp-kpi-val.ok    { color: #059669; }
.bmgp-kpi-val.brand { color: var(--brand-primary); }
.bmgp-kpi-val.blue  { color: #1D4ED8; }

.bmgp-kpi-label { font-size: 0.68rem; color: var(--text-light); font-weight: 500; line-height: 1.3; }

/* Status rows */
.bmgp-rows { display: flex; flex-direction: column; gap: 0; position: relative; z-index: 1; }

.bmgp-row {
  display: flex; align-items: center; gap: 10px;
  padding: 9px 0; border-bottom: 1px solid rgba(241,235,227,0.8); font-size: 0.82rem;
}

.bmgp-row:last-child { border-bottom: none; }

.bmgp-row-icon {
  width: 28px; height: 28px; border-radius: 7px;
  background: var(--bg-beige); border: 1px solid var(--border-default);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.75rem; color: var(--brand-primary); flex-shrink: 0;
  transition: all var(--t-fast);
}

.bmgp-row:hover .bmgp-row-icon { background: var(--brand-primary); color: #fff; }

.bmgp-row-body { flex: 1; }
.bmgp-row-label { display: block; font-weight: 600; color: var(--text-secondary); font-size: 0.8rem; }
.bmgp-row-sub   { display: block; font-size: 0.7rem; color: var(--text-light); }

.bmgp-status {
  font-family: var(--font-heading); font-size: 0.7rem; font-weight: 700;
  padding: 2px 8px; border-radius: 4px; flex-shrink: 0;
}

.bmgp-status.ok   { color: #059669; background: #ECFDF5; }
.bmgp-status.blue { color: #1D4ED8; background: #EFF6FF; }
.bmgp-status.gold { color: var(--brand-dark); background: rgba(198,157,116,0.16); border: 1px solid rgba(198,157,116,0.3); }

/* Coverage progress bar */
.bmgp-coverage {
  margin-top: 13px; display: flex; align-items: center; gap: 8px;
  padding: 9px 12px; border: 1px solid var(--border-brand);
  background: linear-gradient(90deg, rgba(148,41,3,0.04), rgba(198,157,116,0.07));
  border-radius: 8px; position: relative; z-index: 1;
}

.bmgp-cov-label { font-size: 0.73rem; color: var(--text-muted); flex-shrink: 0; font-weight: 500; }
.bmgp-cov-track { flex: 1; height: 5px; background: var(--border-default); border-radius: 3px; overflow: hidden; }
.bmgp-cov-fill  { height: 100%; background: linear-gradient(90deg, var(--brand-secondary), var(--brand-primary)); border-radius: 3px; width: 0%; transition: width 1.5s cubic-bezier(0.16,1,0.3,1); }
.bmgp-cov-val   { font-family: var(--font-heading); font-size: 0.82rem; font-weight: 700; color: var(--brand-primary); flex-shrink: 0; }

/* ─── GOVERNANCE ARCHITECTURE VISUAL ─────────────────── */
.bm-govarch {
  padding: var(--space-10) 0; background: #FFFFFF;
  border-top: 1px solid var(--border-default); border-bottom: 1px solid var(--border-default);
  position: relative; overflow: hidden;
}

.bm-govarch::before {
  content: ''; position: absolute; inset: 0;
  background-image: radial-gradient(circle, rgba(198,157,116,0.1) 1px, transparent 1px);
  background-size: 24px 24px; opacity: 0.4; pointer-events: none;
}

.bm-govarch-header { text-align: center; margin-bottom: 48px; position: relative; z-index: 1; }

/* Vertical governance stack — 5 nodes connected by vertical lines */
.bm-gov-stack {
  display: flex; flex-direction: column; align-items: center;
  gap: 0; max-width: 860px; margin: 0 auto; position: relative; z-index: 1;
}

.bm-gov-tier {
  display: grid; grid-template-columns: 200px auto 200px;
  align-items: center; gap: 28px; width: 100%;
  padding: 0; position: relative;
}

/* left/right info panels */
.bm-gov-side {
  background: #FFFFFF; border: 1px solid var(--border-default);
  border-radius: 12px; padding: 14px 16px;
  font-size: 0.82rem; transition: all 0.28s var(--ease-out);
  box-shadow: 0 4px 14px rgba(17,17,16,0.04);
}

.bm-gov-side:hover { border-color: var(--border-brand); box-shadow: 0 8px 24px rgba(148,41,3,0.06); transform: scale(1.02); }

.bm-gov-side.right { text-align: right; }

.bm-gov-side-label { font-family: var(--font-heading); font-size: 0.7rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--text-light); margin-bottom: 5px; }
.bm-gov-side-val   { font-size: 0.82rem; font-weight: 600; color: var(--text-secondary); line-height: 1.4; }

.bm-gov-side-badge {
  display: inline-flex; align-items: center; gap: 4px; margin-top: 5px;
  font-family: var(--font-heading); font-size: 0.68rem; font-weight: 700;
  padding: 2px 8px; border-radius: 4px; color: #059669; background: #ECFDF5;
}

.bm-gov-side-badge.blue { color: #1D4ED8; background: #EFF6FF; }
.bm-gov-side-badge.gold { color: var(--brand-dark); background: rgba(198,157,116,0.15); border: 1px solid rgba(198,157,116,0.3); }

/* central node */
.bm-gov-centre { display: flex; flex-direction: column; align-items: center; gap: 10px; position: relative; }

.bm-gov-node {
  width: 72px; height: 72px; border-radius: 50%;
  background: #FFFFFF; border: 2px solid var(--border-default);
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 4px;
  box-shadow: 0 8px 24px rgba(17,17,16,0.06);
  transition: all 0.32s var(--ease-out); cursor: default; position: relative; z-index: 2;
  flex-shrink: 0;
}

.bm-gov-node:hover {
  background: var(--brand-primary); border-color: var(--brand-primary);
  box-shadow: 0 12px 32px rgba(148,41,3,0.26); transform: scale(1.1);
}

.bm-gov-node i { font-size: 1.1rem; color: var(--brand-primary); transition: color 0.28s; }
.bm-gov-node:hover i { color: #fff; }

.bm-gov-node span {
  font-family: var(--font-heading); font-size: 0.6rem; font-weight: 700;
  letter-spacing: 0.07em; text-transform: uppercase; color: var(--text-secondary);
  transition: color 0.28s;
}

.bm-gov-node:hover span { color: rgba(255,255,255,0.85); }

/* vertical connector between tiers */
.bm-gov-connector {
  width: 2px; height: 40px; margin: 0 auto;
  background: linear-gradient(180deg, var(--brand-secondary), rgba(198,157,116,0.2));
  border-radius: 2px; position: relative; z-index: 1; grid-column: 2;
}

.bm-gov-connector::after {
  content: ''; position: absolute; bottom: -4px; left: 50%; transform: translateX(-50%);
  width: 8px; height: 8px; border-radius: 50%;
  background: rgba(198,157,116,0.35);
}

/* ─── CAPABILITIES BENTO ──────────────────────────────── */
.bm-capabilities {
  padding: var(--space-12) 0;
  background: linear-gradient(180deg, #F7F2EC 0%, #F4EDE5 100%);
  position: relative; overflow: hidden;
}

.bm-capabilities::before {
  content: ''; position: absolute; inset: 0;
  background-image: radial-gradient(circle, rgba(198,157,116,0.12) 1px, transparent 1px);
  background-size: 28px 28px; opacity: 0.5; pointer-events: none;
}

.bm-capabilities::after {
  content: '06'; position: absolute; right: -1%; top: 2%;
  font-family: var(--font-heading); font-size: 26vw; font-weight: 800;
  color: rgba(198,157,116,0.042); letter-spacing: -0.04em;
  pointer-events: none; line-height: 1; user-select: none;
}

.bm-cap-bento {
  display: grid; grid-template-columns: repeat(12, 1fr); gap: 16px;
  margin-top: var(--space-8); position: relative; z-index: 1;
}

/* base card */
.bmc-card {
  background: #FFFFFF; border: 1px solid var(--border-default);
  border-radius: 18px; padding: 26px 22px;
  position: relative; overflow: hidden; display: flex; flex-direction: column;
  transition: border-color 0.32s var(--ease-out), box-shadow 0.32s var(--ease-out), transform 0.32s var(--ease-out);
  will-change: transform;
}

.bmc-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--brand-primary), var(--brand-secondary));
  transform: scaleX(0); transform-origin: left;
  transition: transform 0.38s var(--ease-out); border-radius: 18px 18px 0 0;
}

.bmc-card:hover::before { transform: scaleX(1); }
.bmc-card:hover { border-color: var(--border-gold); box-shadow: 0 28px 72px rgba(17,17,16,0.09), 0 6px 20px rgba(148,41,3,0.05); transform: translateY(-6px); }

/* Spans */
.bmc-card.bmc-erm  { grid-column: span 6; background: linear-gradient(150deg, #FEF8F4 0%, #FDFAF6 55%, #FFFFFF 100%); border: 1px solid rgba(148,41,3,0.12); padding: 36px 32px; }
.bmc-card.bmc-erm::after { content: ''; position: absolute; top: 0; right: 0; width: 220px; height: 220px; background: radial-gradient(ellipse at top right, rgba(148,41,3,0.06), transparent 65%); pointer-events: none; }
.bmc-card.bmc-erm:hover  { transform: translateY(-5px); }

.bmc-card.bmc-reg  { grid-column: span 6; background: linear-gradient(150deg, #F9F4EE 0%, #FFFFFF 70%); border-color: rgba(198,157,116,0.25); padding: 32px 28px; }

.bmc-card.bmc-ops  { grid-column: span 4; }
.bmc-card.bmc-tgov { grid-column: span 4; }
.bmc-card.bmc-aml  { grid-column: span 4; }

.bmc-card.bmc-board { grid-column: span 12; background: linear-gradient(150deg, #FDFAF6 0%, #FFFFFF 60%); border-color: rgba(198,157,116,0.2); }

/* card elements */
.bmc-num { font-family: var(--font-heading); font-size: 0.7rem; font-weight: 700; letter-spacing: 0.1em; color: var(--brand-secondary); text-transform: uppercase; margin-bottom: 16px; display: block; }

.bmc-icon-row { display: flex; align-items: flex-start; justify-content: space-between; margin-bottom: 16px; }

.bmc-icon {
  width: 48px; height: 48px; border-radius: 12px;
  background: var(--bg-beige); border: 1px solid var(--border-default);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.15rem; color: var(--brand-primary); flex-shrink: 0;
  transition: all 0.3s var(--ease-out);
}

.bmc-card.bmc-erm .bmc-icon, .bmc-card.bmc-reg .bmc-icon, .bmc-card.bmc-board .bmc-icon {
  width: 56px; height: 56px; border-radius: 14px; font-size: 1.35rem;
  background: linear-gradient(135deg, rgba(148,41,3,0.08), rgba(198,157,116,0.12)); border-color: var(--border-brand);
}

.bmc-card:hover .bmc-icon { background: var(--brand-primary); border-color: var(--brand-primary); color: #fff; box-shadow: 0 4px 16px rgba(148,41,3,0.26); transform: scale(1.06) rotate(-4deg); }

.bmc-ghost-num { font-family: var(--font-heading); font-size: 3rem; font-weight: 800; color: rgba(198,157,116,0.1); line-height: 1; letter-spacing: -0.04em; user-select: none; pointer-events: none; transition: color var(--t-base); }
.bmc-card:hover .bmc-ghost-num { color: rgba(148,41,3,0.06); }

.bmc-title { font-family: var(--font-heading); font-size: 1.18rem; font-weight: 700; letter-spacing: -0.025em; color: var(--text-primary); margin-bottom: 10px; transition: color var(--t-fast); line-height: 1.25; }
.bmc-card.bmc-erm .bmc-title, .bmc-card.bmc-reg .bmc-title { font-size: 1.45rem; font-weight: 800; letter-spacing: -0.03em; }
.bmc-card.bmc-board .bmc-title { font-size: 1.35rem; font-weight: 800; letter-spacing: -0.03em; }
.bmc-card:hover .bmc-title { color: var(--brand-primary); }

.bmc-desc { font-size: 0.9375rem; color: var(--text-muted); line-height: 1.72; flex: 1; margin-bottom: 16px; }
.bmc-card.bmc-erm .bmc-desc, .bmc-card.bmc-reg .bmc-desc { font-size: 0.975rem; }

.bmc-visual { margin-top: 10px; margin-bottom: 16px; position: relative; z-index: 1; }

/* Risk domain badges */
.bmc-risk-tags { display: flex; gap: 7px; flex-wrap: wrap; }
.bmc-risk-tag { display: flex; align-items: center; gap: 5px; padding: 4px 10px; border-radius: 7px; background: var(--bg-beige); border: 1px solid var(--border-default); font-family: var(--font-heading); font-size: 0.7rem; font-weight: 700; color: var(--text-secondary); transition: all var(--t-fast); }
.bmc-risk-tag i { font-size: 0.85rem; color: var(--brand-primary); }
.bmc-card:hover .bmc-risk-tag { background: var(--brand-pale); border-color: var(--border-brand); }

/* Exam-ready status rows */
.bmc-exam-rows { display: flex; flex-direction: column; gap: 0; background: var(--bg-beige); border: 1px solid var(--border-default); border-radius: 9px; overflow: hidden; }
.bmc-exam-row { display: flex; justify-content: space-between; align-items: center; padding: 7px 12px; border-bottom: 1px solid rgba(241,235,227,0.7); font-size: 0.79rem; }
.bmc-exam-row:last-child { border-bottom: none; }
.bmc-exam-label { color: var(--text-muted); font-weight: 500; }
.bmc-exam-val { font-family: var(--font-heading); font-size: 0.7rem; font-weight: 700; padding: 2px 7px; border-radius: 4px; color: #059669; background: #ECFDF5; }
.bmc-exam-val.gold { color: var(--brand-dark); background: rgba(198,157,116,0.15); border: 1px solid rgba(198,157,116,0.3); }

/* AML checklist */
.bmc-aml-list { display: flex; flex-direction: column; gap: 5px; background: var(--bg-beige); border: 1px solid var(--border-default); border-radius: 9px; padding: 10px 13px; }
.bmc-aml-item { display: flex; align-items: center; gap: 8px; font-size: 0.8rem; color: var(--text-muted); }
.bmc-aml-item i { color: var(--brand-secondary); font-size: 0.75rem; flex-shrink: 0; }

/* Board advisory tags */
.bmc-board-tags { display: flex; gap: 7px; flex-wrap: wrap; }
.bmc-board-tag { display: flex; align-items: center; gap: 5px; padding: 5px 12px; border-radius: 8px; background: var(--bg-beige); border: 1px solid var(--border-default); font-family: var(--font-heading); font-size: 0.72rem; font-weight: 700; color: var(--text-secondary); transition: all var(--t-fast); }
.bmc-board-tag i { font-size: 0.85rem; color: var(--brand-primary); }
.bmc-card:hover .bmc-board-tag { background: var(--brand-pale); border-color: var(--border-brand); }

/* card footer */
.bmc-footer { display: flex; align-items: center; justify-content: space-between; padding-top: 14px; border-top: 1px solid var(--border-default); margin-top: auto; }
.bmc-cta { display: inline-flex; align-items: center; gap: 7px; font-family: var(--font-heading); font-size: 0.875rem; font-weight: 700; color: var(--brand-primary); text-decoration: none; transition: gap var(--t-fast), color var(--t-fast); }
.bmc-cta i { font-size: 0.8em; transition: transform 0.25s var(--ease-out); }
.bmc-card:hover .bmc-cta i { transform: translateX(6px); }
.bmc-card:hover .bmc-cta { color: var(--brand-dark); }

/* ─── PROCESS TIMELINE ────────────────────────────────── */
.bm-process {
  padding: var(--space-12) 0;
  background: linear-gradient(180deg, #FDFAF6 0%, #F9F3EC 100%);
}

.bm-process-track {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 0;
  position: relative; margin-top: var(--space-8);
}

.bm-process-track::before {
  content: ''; position: absolute; top: 33px; left: 12.5%; right: 12.5%; height: 2px;
  background: linear-gradient(90deg, var(--brand-primary) 0%, var(--brand-secondary) 33%, var(--brand-secondary) 66%, rgba(198,157,116,0.35) 100%);
  z-index: 0;
}

.bmps { display: flex; flex-direction: column; align-items: center; text-align: center; padding: 0 16px; position: relative; }

.bmps-num {
  width: 66px; height: 66px; border-radius: 50%;
  background: #FFFFFF; border: 2px solid var(--border-default);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading); font-size: 1.2rem; font-weight: 800; color: var(--brand-primary);
  position: relative; z-index: 1; margin-bottom: 22px;
  transition: all 0.32s var(--ease-out); box-shadow: 0 4px 16px rgba(17,17,16,0.05);
}

.bmps:hover .bmps-num, .bmps.active .bmps-num {
  background: var(--brand-primary); border-color: var(--brand-primary); color: #fff;
  box-shadow: 0 8px 28px rgba(148,41,3,0.26); transform: scale(1.08);
}

.bmps-label { font-family: var(--font-heading); font-size: 0.7rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--brand-secondary); margin-bottom: 8px; display: block; }
.bmps-title { font-family: var(--font-heading); font-size: 1.08rem; font-weight: 700; letter-spacing: -0.025em; color: var(--text-primary); margin-bottom: 10px; line-height: 1.25; transition: color var(--t-fast); }
.bmps:hover .bmps-title { color: var(--brand-primary); }
.bmps-desc { font-size: 0.9rem; color: var(--text-muted); line-height: 1.7; }

/* ─── INSTITUTIONS BENTO ───────────────────────────────── */
.bm-institutions {
  padding: var(--space-12) 0;
  background: linear-gradient(180deg, #F4EDE5 0%, #EDE6DC 100%);
  border-top: 1px solid var(--border-default);
}

.bm-inst-bento {
  display: grid; grid-template-columns: repeat(12, 1fr); gap: 14px;
  margin-top: var(--space-8);
}

.bmi-card {
  background: #FFFFFF; border: 1px solid var(--border-default);
  border-radius: 16px; padding: 22px 20px;
  display: flex; flex-direction: column; gap: 11px;
  transition: all 0.32s var(--ease-out); position: relative; overflow: hidden;
}

.bmi-card::before {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--brand-primary), var(--brand-secondary));
  transform: scaleX(0); transform-origin: left; transition: transform 0.35s var(--ease-out);
}

.bmi-card:hover::before { transform: scaleX(1); }
.bmi-card:hover { border-color: var(--border-gold); box-shadow: 0 20px 52px rgba(17,17,16,0.08), 0 4px 14px rgba(148,41,3,0.05); transform: translateY(-5px); }

/* Asymmetric: 4+4+4 / 4+4+4 */
.bmi-card:nth-child(1) { grid-column: span 4; }
.bmi-card:nth-child(2) { grid-column: span 4; }
.bmi-card:nth-child(3) { grid-column: span 4; }
.bmi-card:nth-child(4) { grid-column: span 4; }
.bmi-card:nth-child(5) { grid-column: span 4; }
.bmi-card:nth-child(6) { grid-column: span 4; }

.bmi-icon { width: 42px; height: 42px; border-radius: 11px; background: var(--brand-pale); border: 1px solid var(--border-brand); display: flex; align-items: center; justify-content: center; font-size: 1rem; color: var(--brand-primary); flex-shrink: 0; transition: all 0.28s var(--ease-out); }
.bmi-card:hover .bmi-icon { background: var(--brand-primary); border-color: var(--brand-primary); color: #fff; box-shadow: 0 4px 14px rgba(148,41,3,0.2); }

.bmi-header { display: flex; align-items: center; gap: 12px; }
.bmi-title { font-family: var(--font-heading); font-size: 1.05rem; font-weight: 700; letter-spacing: -0.02em; color: var(--text-primary); transition: color var(--t-fast); }
.bmi-card:hover .bmi-title { color: var(--brand-primary); }
.bmi-desc { font-size: 0.875rem; color: var(--text-muted); line-height: 1.68; }
.bmi-tag { display: inline-flex; align-items: center; gap: 4px; font-family: var(--font-heading); font-size: 0.68rem; font-weight: 700; color: var(--text-light); letter-spacing: 0.06em; text-transform: uppercase; }
.bmi-tag i { color: var(--brand-secondary); font-size: 0.75rem; }

/* ─── CTA ─────────────────────────────────────────────── */
.bm-cta-section { padding: var(--space-8) 0; background: #FFFFFF; }

.bm-cta-inner {
  background: linear-gradient(145deg, var(--brand-primary) 0%, #7B2203 55%, var(--brand-dark) 100%);
  border-radius: 24px; padding: 60px 64px;
  display: flex; align-items: center; justify-content: space-between;
  gap: 48px; position: relative; overflow: hidden;
  box-shadow: 0 24px 64px rgba(148,41,3,0.28), 0 8px 24px rgba(148,41,3,0.14);
}

.bm-cta-inner::before {
  content: ''; position: absolute; inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,0.06) 1px, transparent 1px);
  background-size: 26px 26px;
  mask-image: radial-gradient(ellipse at 100% 0%, black 28%, transparent 70%);
  -webkit-mask-image: radial-gradient(ellipse at 100% 0%, black 28%, transparent 70%);
  pointer-events: none;
}

.bm-cta-inner::after {
  content: ''; position: absolute; top: -80px; right: -80px;
  width: 420px; height: 420px; border-radius: 50%;
  background: radial-gradient(circle, rgba(216,184,143,0.14) 0%, transparent 65%);
  pointer-events: none;
}

.bm-cta-text { position: relative; z-index: 1; max-width: 560px; }

.bm-cta-eyebrow {
  display: inline-flex; align-items: center; gap: 7px;
  padding: 4px 12px; border-radius: var(--r-full);
  background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.22);
  font-family: var(--font-heading); font-size: 0.72rem; font-weight: 700;
  letter-spacing: 0.09em; text-transform: uppercase; color: rgba(255,255,255,0.85); margin-bottom: 18px;
}

.bm-cta-title { font-family: var(--font-heading); font-size: clamp(1.7rem, 2.8vw, 2.3rem); font-weight: 800; letter-spacing: -0.035em; line-height: 1.12; color: #FFFFFF; margin-bottom: 14px; }
.bm-cta-desc { font-size: 1.0625rem; color: rgba(255,255,255,0.78); line-height: 1.72; }

.bm-cta-actions { position: relative; z-index: 1; display: flex; flex-direction: column; gap: 10px; flex-shrink: 0; min-width: 210px; }
.bm-cta-actions .btn-white { font-weight: 700; padding: 15px 30px; border-radius: 11px; box-shadow: 0 4px 16px rgba(0,0,0,0.15); transition: all 0.28s var(--ease-out); white-space: nowrap; }
.bm-cta-actions .btn-white:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,0.2); }

.bm-cta-phone {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 24px; border-radius: 11px; border: 1px solid rgba(255,255,255,0.28); background: transparent;
  font-family: var(--font-heading); font-size: 0.9375rem; font-weight: 600;
  color: rgba(255,255,255,0.88); text-decoration: none; transition: all 0.28s var(--ease-out);
}

.bm-cta-phone:hover { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.5); color: #fff; transform: translateY(-1px); }

/* ─── RESPONSIVE ──────────────────────────────────────── */
@media (max-width: 1024px) {
  .bm-hero { min-height: auto; padding-top: calc(var(--nav-h) + 56px); padding-bottom: 56px; }
  .bm-hero-grid { grid-template-columns: 1fr; text-align: center; gap: 48px; }
  .bm-hero-desc { margin: 0 auto 36px; }
  .bm-hero-actions { justify-content: center; }
  .bm-hero-trust { justify-content: center; }
  .bm-hero-visual { height: 420px; max-width: 390px; margin: 0 auto; }
  .bmh-panel { width: 280px; }
  .bmhf-1 { left: -10px; } .bmhf-2 { right: -10px; }

  .bm-challenge-grid { grid-template-columns: 1fr; gap: 44px; }

  /* Governance stack on tablet */
  .bm-gov-stack { max-width: 600px; }
  .bm-gov-tier { grid-template-columns: 160px auto 160px; gap: 16px; }
  .bm-gov-node { width: 60px; height: 60px; }

  .bm-cap-bento { grid-template-columns: repeat(6, 1fr); }
  .bmc-card.bmc-erm  { grid-column: span 6; }
  .bmc-card.bmc-reg  { grid-column: span 6; }
  .bmc-card.bmc-ops, .bmc-card.bmc-tgov, .bmc-card.bmc-aml { grid-column: span 2; }
  .bmc-card.bmc-board { grid-column: span 6; }

  .bm-process-track { grid-template-columns: repeat(2, 1fr); gap: 32px; }
  .bm-process-track::before { display: none; }

  .bmi-card:nth-child(n) { grid-column: span 4; }

  .bm-cta-inner { padding: 44px 40px; flex-direction: column; align-items: flex-start; gap: 32px; }
  .bm-cta-actions { flex-direction: row; width: 100%; }
}

@media (max-width: 768px) {
  .bm-hero-title { font-size: clamp(2.0rem, 7vw, 2.7rem); }
  .bmh-panel { width: 256px; }
  .bmhf-1, .bmhf-2 { display: none; }
  .bm-hero-visual { height: 360px; }
  .bmh-kpi-row { grid-template-columns: 1fr 1fr; }

  /* governance stack goes vertical-only */
  .bm-gov-tier { grid-template-columns: 1fr; gap: 12px; }
  .bm-gov-side { display: none; } /* hide side panels on mobile for clarity */
  .bm-gov-centre { width: 100%; }
  .bm-gov-node { width: 56px; height: 56px; }
  .bm-gov-connector { height: 28px; }

  .bm-cap-bento { grid-template-columns: 1fr; }
  .bmc-card.bmc-erm, .bmc-card.bmc-reg, .bmc-card.bmc-ops,
  .bmc-card.bmc-tgov, .bmc-card.bmc-aml, .bmc-card.bmc-board { grid-column: span 1; }
  .bm-capabilities::after { display: none; }

  .bm-process-track { grid-template-columns: 1fr; gap: 28px; }

  .bmi-card:nth-child(n) { grid-column: span 6; }

  .bm-cta-inner { padding: 36px 28px; border-radius: var(--r-lg); }
  .bm-cta-actions { flex-direction: column; }
  .bmgp-kpis { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 480px) {
  .bm-hero-title { font-size: 1.9rem; }
  .bmh-panel { width: 236px; }
  .bmh-ring-1 { width: 280px; height: 280px; }
  .bmh-ring-2 { width: 370px; height: 370px; }
  .bm-cta-inner { padding: 28px 20px; border-radius: var(--r-md); }
  .bm-cta-title { font-size: 1.55rem; }
  .bmi-card:nth-child(n) { grid-column: span 6; }
  .bmgp-kpis { grid-template-columns: 1fr 1fr; }
}