/* Phase 01: PMS hero */
:root { --pms-navy: #15157e; --pms-green: #20b15a; --pms-slate: #475569; }
.pms-page, .pms-page *, .pms-page *::before, .pms-page *::after { box-sizing: border-box; }
.pms-hero { position: relative; width: 100%; overflow: hidden; padding: clamp(2.5rem, 6vw, 5rem) 0; background: linear-gradient(135deg, #fff 0%, #f8fafc 70%, #f0fdf4 100%); }
.pms-hero__pattern { position: absolute; inset: 0; pointer-events: none; opacity: .55; }
.pms-hero__pattern svg { width: 100%; height: 100%; }
.pms-hero__pattern path { fill: none; stroke: #20b15a; stroke-width: 1.25; stroke-dasharray: 6 10; }
.pms-hero__pattern circle { fill: #15157e; opacity: .22; }
.pms-hero__container { position: relative; z-index: 1; display: grid; width: 100%; max-width: 1280px; min-width: 0; margin: 0 auto; }
.pms-hero__content, .pms-hero__form-column { min-width: 0; text-align: left; }
.pms-hero__eyebrow { display: inline-flex; align-items: center; gap: .45rem; padding: .45rem .75rem; border-radius: 999px; background: #ecfdf5; color: #15157e; font-size: .78rem; font-weight: 800; letter-spacing: .04em; line-height: 1.2; text-align: left; }
.pms-hero__eyebrow svg { width: 1.15rem; height: 1.15rem; fill: none; stroke: #20b15a; stroke-linecap: round; stroke-linejoin: round; stroke-width: 2; }
.pms-hero h1 { max-width: 730px; margin: 1rem 0 0; color: var(--pms-navy); font-size: clamp(2rem, 4vw, 3.25rem); font-weight: 800; line-height: 1.15; text-align: left; }
.pms-hero__subheadline { max-width: 720px; margin: 1rem 0 0; color: #334155; font-size: clamp(1.05rem, 2vw, 1.25rem); font-weight: 600; line-height: 1.55; text-align: left; }
.pms-highlight-green { color: var(--pms-green); font-weight: 800; }
.pms-hero__description { max-width: 690px; margin: 1rem 0 0; color: var(--pms-slate); font-size: 1rem; line-height: 1.6; text-align: left; }
.pms-hero__highlight-card { display: flex; max-width: 650px; align-items: center; gap: 1rem; margin-top: 1.5rem; padding: 1rem 1.15rem; border: 1px solid #bbf7d0; border-radius: 1rem; background: #f0fdf4; text-align: left; }
.pms-hero__cup { width: 3.4rem; height: 3.4rem; flex: 0 0 3.4rem; fill: none; stroke: #20b15a; stroke-linecap: round; stroke-linejoin: round; stroke-width: 3; }
.pms-hero__highlight-card span { display: block; color: #475569; font-size: .82rem; line-height: 1.35; }
.pms-hero__highlight-card strong { display: block; margin-top: .25rem; color: #15157e; font-size: .98rem; line-height: 1.4; }
.pms-hero__form-column { display: flex; justify-content: center; }
.pms-lead-form { width: 100%; border-radius: 1.25rem; background: #fff; box-shadow: 0 12px 32px rgba(21, 21, 126, .08); }
.pms-lead-form h2 { margin: 0 0 1.4rem; color: #15157e; font-size: 1.4rem; font-weight: 800; text-align: center; }
.pms-form-group { margin-top: 1rem; text-align: left; }
.pms-form-group label { display: block; margin-bottom: .4rem; color: #334155; font-size: .9rem; font-weight: 700; }
.pms-form-group label span { color: #dc2626; }
.pms-form-group input { box-sizing: border-box; width: 100%; min-height: 46px; padding: .75rem .9rem; border: 1px solid #cbd5e1; border-radius: .65rem; background: #fff; color: #0f172a; font: inherit; font-size: 16px; }
.pms-form-group input::placeholder { color: #64748b; }
.pms-form-group input:focus-visible, .pms-lead-form__submit:focus-visible { outline: 3px solid #20b15a; outline-offset: 2px; border-color: #20b15a; }
.pms-form-group input[aria-invalid="true"] { border-color: #dc2626; }
.pms-lead-form__submit { width: 100%; min-height: 48px; margin-top: 1.35rem; padding: .85rem 1.5rem; border: 0; border-radius: 999px; background: #20b15a; color: #fff; cursor: pointer; font: inherit; font-size: .95rem; font-weight: 800; transition: background-color .2s ease, transform .2s ease; }
.pms-lead-form__submit:hover:not(:disabled) { background: #168b46; transform: translateY(-1px); }
.pms-lead-form__submit:disabled { cursor: not-allowed; opacity: .72; }
.pms-form-response { min-height: 1.25rem; margin-top: .85rem; border-radius: .6rem; font-size: .88rem; line-height: 1.45; text-align: center; }
.pms-form-response.is-success, .pms-form-response.is-error { padding: .65rem .75rem; }
.pms-form-response.is-success { background: #ecfdf5; color: #166534; }
.pms-form-response.is-error { background: #fef2f2; color: #b91c1c; }

/* Tier 1 — Small mobile */
@media (max-width: 360px) {
    .pms-hero { padding: 2rem 1rem; }
    .pms-hero__container { grid-template-columns: 1fr; gap: 1.75rem; }
    .pms-hero h1 { font-size: 1.8rem; }
    .pms-hero__eyebrow { font-size: .68rem; }
    .pms-hero__highlight-card { align-items: flex-start; gap: .7rem; padding: .85rem; }
    .pms-hero__cup { width: 2.6rem; height: 2.6rem; flex-basis: 2.6rem; }
    .pms-hero__highlight-card strong { font-size: .86rem; }
    .pms-lead-form { padding: 1.35rem 1rem; }
}

/* Tier 2 — Standard mobile */
@media (min-width: 361px) and (max-width: 480px) {
    .pms-hero { padding: 2rem 1rem; }
    .pms-hero__container { grid-template-columns: 1fr; gap: 2rem; }
    .pms-lead-form { padding: 2rem 1.5rem; }
}

/* Tier 3 — Large mobile / phablet */
@media (min-width: 481px) and (max-width: 767px) {
    .pms-hero { padding: 2.75rem 1.5rem; }
    .pms-hero__container { grid-template-columns: 1fr; gap: 2.25rem; max-width: 620px; }
    .pms-lead-form { width: 90%; padding: 2rem 1.5rem; }
}

/* Tier 4 — Tablet */
@media (min-width: 768px) and (max-width: 1023px) {
    .pms-hero { padding: 3.5rem 1.75rem; }
    .pms-hero__container { grid-template-columns: 1fr; gap: 2.5rem; max-width: 850px; }
    .pms-lead-form { max-width: 520px; padding: 2rem 1.5rem; }
}

/* Tier 5 — Laptop / small monitor */
@media (min-width: 1024px) and (max-width: 1279px) {
    .pms-hero { padding: 4.25rem 2rem; }
    .pms-hero__container { grid-template-columns: minmax(0, 3fr) minmax(0, 2fr); align-items: center; gap: 2.5rem; }
    .pms-lead-form { width: 80%; padding: 2rem 1.5rem; }
}

/* Tier 6 — Large desktop */
@media (min-width: 1280px) {
    .pms-hero { padding: 5rem 1.5rem; }
    .pms-hero__container { grid-template-columns: minmax(0, 3fr) minmax(0, 2fr); align-items: center; gap: 3.5rem; }
    .pms-lead-form { width: 80%; padding: 2rem 1.5rem; }
}

@media (prefers-reduced-motion: reduce) {
    .pms-lead-form__submit { transition: none; }
    .pms-lead-form__submit:hover { transform: none; }
}

/* Phase 02: Why choose PL */
.pms-why-choose-us { width: 100%; overflow: hidden; padding: clamp(3.5rem, 7vw, 5rem) 0; background: #f8fafc; }
.pms-why-choose-us__container { width: 100%; max-width: 1280px; min-width: 0; margin: 0 auto; padding: 0 1.5rem; }
.pms-why-choose-us h2 { max-width: 800px; margin: 0 auto; color: #15157e; font-size: clamp(1.75rem, 3.4vw, 2.25rem); font-weight: 800; line-height: 1.2; text-align: center; }
.pms-why-choose-us__grid { display: grid; margin-top: clamp(2rem, 5vw, 3.5rem); }
.pms-why-item { display: flex; min-width: 0; flex-direction: column; align-items: center; justify-content: flex-start; padding: 1.25rem .75rem; overflow-wrap: anywhere; text-align: center; }
.pms-why-item svg { width: 3.5rem; max-width: 100%; height: 3.5rem; margin-bottom: .75rem; fill: none; stroke: #15157e; stroke-linecap: round; stroke-linejoin: round; stroke-width: 2.6; }
.pms-why-item svg circle:nth-of-type(n+2), .pms-why-item svg path:last-child { stroke: #20b15a; }
.pms-why-item p { margin: 0; color: #334155; font-size: .94rem; font-weight: 400; line-height: 1.55; text-align: center; }
.pms-why-item strong { color: #15157e; font-weight: 700; }

/* Tier 1 — Small mobile */
@media (max-width: 360px) {
    .pms-why-choose-us { padding: 3rem 0; }
    .pms-why-choose-us__container { padding: 0 .75rem; }
    .pms-why-choose-us h2 { font-size: 1.5rem; }
    .pms-why-choose-us__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: .75rem .25rem; }
    .pms-why-item { padding: 1rem .35rem; }
    .pms-why-item svg { width: 2.75rem; height: 2.75rem; }
    .pms-why-item p { font-size: .8125rem; }
}

/* Tier 2 — Standard mobile */
@media (min-width: 361px) and (max-width: 480px) {
    .pms-why-choose-us__container { padding: 0 1rem; }
    .pms-why-choose-us__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem .5rem; }
    .pms-why-item svg { width: 3rem; height: 3rem; }
    .pms-why-item p { font-size: .875rem; }
}

/* Tier 3 — Large mobile / phablet */
@media (min-width: 481px) and (max-width: 767px) {
    .pms-why-choose-us__container { max-width: 680px; padding: 0 1.25rem; }
    .pms-why-choose-us__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.25rem; }
}

/* Tier 4 — Tablet */
@media (min-width: 768px) and (max-width: 1023px) {
    .pms-why-choose-us__grid { grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 1.5rem; }
    .pms-why-item { padding: 1.25rem .5rem; }
}

/* Tier 5 — Laptop / small monitor */
@media (min-width: 1024px) and (max-width: 1279px) {
    .pms-why-choose-us__grid { grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 2rem 1.5rem; }
    .pms-why-item svg { width: 3.5rem; height: 3.5rem; }
}

/* Tier 6 — Large desktop */
@media (min-width: 1280px) {
    .pms-why-choose-us { padding: 5rem 0; }
    .pms-why-choose-us__grid { grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 2rem 1.5rem; }
}

/* Phase 03: PMS strategy selector */
.pms-strategies { --active-strategy: #0793d7; padding: clamp(3.5rem, 7vw, 5.5rem) 0; background: #0a2f59; color: #fff; }
.pms-strategies__container { width: 100%; max-width: 1280px; margin: 0 auto; padding: 0 1.5rem; }
.pms-strategies__header { max-width: 860px; margin: 0 auto; text-align: center; }
.pms-strategies__header h2 { margin: 0; color: #fff; font-size: clamp(1.85rem, 3.5vw, 2.5rem); font-weight: 800; line-height: 1.2; }
.pms-strategies__header p { margin: .9rem auto 0; color: #cbd5e1; font-size: 1rem; line-height: 1.65; }
.pms-strategy-tabs { display: flex; align-items: center; justify-content: center; gap: .75rem; margin-top: 1.8rem; }
.pms-strategy-tab { min-height: 44px; padding: .7rem 1.1rem; border: 1px solid rgba(255, 255, 255, .25); border-radius: 999px; background: rgba(255, 255, 255, .05); color: #e2e8f0; cursor: pointer; font: inherit; font-size: .88rem; font-weight: 800; line-height: 1; touch-action: manipulation; -webkit-tap-highlight-color: transparent; transition: background-color .2s ease, border-color .2s ease, color .2s ease, transform .2s ease; }
.pms-strategy-tab[data-target="pms-aqua"].active { border-color: #0793d7; background: #0793d7; color: #fff; }
.pms-strategy-tab[data-target="pms-madp"].active { border-color: #e88c09; background: #e88c09; color: #fff; }
.pms-strategy-tab[data-target="pms-nd"].active { border-color: #0baa77; background: #0baa77; color: #fff; }
.pms-strategy-tab:hover:not(.active) { border-color: #fff; color: #fff; }
.pms-strategy-tab:focus-visible { outline: 3px solid #fff; outline-offset: 3px; }
.pms-strategy-separator { height: 2px; margin: 1.25rem 0 2rem; background: var(--active-strategy); box-shadow: 0 0 14px color-mix(in srgb, var(--active-strategy) 60%, transparent); transition: background-color .3s ease; }
.pms-strategy-panel { display: none; }
.pms-strategy-panel.is-active { display: block; animation: pms-strategy-reveal .38s ease both; }
.pms-strategy-panel__header { text-align: center; }
.pms-strategy-panel__eyebrow { display: inline-flex; padding: .4rem .75rem; border: 1px solid color-mix(in srgb, var(--strategy-theme) 65%, #fff); border-radius: 999px; background: color-mix(in srgb, var(--strategy-theme) 18%, transparent); color: #fff; font-size: .75rem; font-weight: 800; letter-spacing: .05em; text-align: left; text-transform: uppercase; }
.pms-strategy-panel__header h3 { max-width: 850px; margin: .9rem auto 0; color: #fff; font-size: clamp(1.55rem, 3.2vw, 2.25rem); font-weight: 800; line-height: 1.2; }
.pms-strategy-panel__header p { max-width: 760px; margin: .75rem auto 0; color: #cbd5e1; font-size: 1rem; line-height: 1.6; }
.pms-strategy-panel__intro-card, .pms-strategy-detail, .pms-strategy-panel__allocation-grid article, .pms-strategy-panel__framework-grid article { border: 1px solid rgba(255, 255, 255, .1); border-radius: 1rem; background: rgba(255, 255, 255, .05); backdrop-filter: blur(10px); }
.pms-strategy-panel__intro-card { margin-top: 2rem; padding: 1.2rem 1.35rem; border-left: 6px solid var(--strategy-theme); text-align: left; }
.pms-strategy-panel__intro-card h4 { margin: 0; color: #fff; font-size: 1.15rem; line-height: 1.35; }
.pms-strategy-panel__intro-card p { margin: .45rem 0 0; color: #cbd5e1; font-size: .94rem; line-height: 1.6; }
.pms-strategy-panel__details { display: grid; margin-top: 1.25rem; }
.pms-strategy-detail { display: grid; grid-template-columns: 3.2rem minmax(0, 1fr); align-items: start; gap: .85rem; min-width: 0; padding: 1.2rem; background: linear-gradient(135deg, color-mix(in srgb, var(--strategy-theme) 13%, rgba(255, 255, 255, .04)), rgba(255, 255, 255, .04)); text-align: left; }
.pms-strategy-detail__icon { width: 3.2rem; height: 3.2rem; padding: .62rem; border: 1px solid color-mix(in srgb, var(--strategy-theme) 45%, transparent); border-radius: .85rem; background: color-mix(in srgb, var(--strategy-theme) 19%, transparent); fill: none; stroke: var(--strategy-theme); stroke-linecap: round; stroke-linejoin: round; stroke-width: 2.2; }
.pms-strategy-detail__content { min-width: 0; }
.pms-strategy-detail span { display: block; color: #cbd5e1; font-size: .72rem; font-weight: 800; letter-spacing: .06em; line-height: 1.25; text-transform: uppercase; }
.pms-strategy-detail strong { display: block; margin-top: .35rem; color: #fff; font-size: 1.05rem; line-height: 1.3; }
.pms-strategy-detail p { margin: .5rem 0 0; color: #94a3b8; font-size: .84rem; line-height: 1.5; }
.pms-strategy-panel__allocation, .pms-strategy-panel__philosophy, .pms-strategy-panel__framework { margin-top: 2.2rem; }
.pms-strategy-panel__allocation > h4, .pms-strategy-panel__philosophy > h4 { display: flex; align-items: center; gap: .5rem; margin: 0; color: #fff; font-size: 1.15rem; text-align: left; }
.pms-strategy-panel__allocation > h4 svg { width: 1.35rem; height: 1.35rem; fill: none; stroke: var(--strategy-theme); stroke-linecap: round; stroke-linejoin: round; stroke-width: 2; }
.pms-strategy-panel__allocation-grid { display: grid; margin-top: 1rem; }
.pms-strategy-panel__allocation-grid article { padding: 1rem; text-align: left; }
.pms-strategy-panel__allocation-grid h5 { margin: 0; color: var(--strategy-theme); font-size: .98rem; }
.pms-strategy-panel__allocation-grid p { margin: .4rem 0 0; color: #cbd5e1; font-size: .88rem; line-height: 1.55; }
.pms-copy-highlight { color: var(--strategy-theme); font-weight: 800; }
.pms-copy-highlight--buy { color: #34d399; }
.pms-copy-highlight--sell { color: #fda4af; }
.pms-strategy-panel__philosophy-list { display: grid; margin-top: 1rem; }
.pms-strategy-panel__philosophy-list article { display: grid; grid-template-columns: 2.8rem minmax(0, 1fr); gap: .8rem; padding: .65rem 0; }
.pms-strategy-panel__philosophy-list article > span { display: inline-flex; width: 2.8rem; height: 2.8rem; align-items: center; justify-content: center; border: 1px solid color-mix(in srgb, var(--strategy-theme) 55%, transparent); border-radius: .75rem; background: color-mix(in srgb, var(--strategy-theme) 18%, transparent); color: var(--strategy-theme); font-size: 2.55rem; font-weight: 900; line-height: 1; text-shadow: 0 0 16px color-mix(in srgb, var(--strategy-theme) 45%, transparent); }
.pms-strategy-panel__philosophy-list strong { display: block; color: #fff; font-size: 1rem; }
.pms-strategy-panel__philosophy-list p { margin: .25rem 0 0; color: #cbd5e1; font-size: .88rem; line-height: 1.55; }
.pms-strategy-panel__framework { text-align: center; }
.pms-strategy-panel__framework > h4 { margin: 0; color: #fff; font-size: clamp(1.25rem, 2.5vw, 1.7rem); }
.pms-framework-highlight { display: inline-block; padding: .08em .35em; border-radius: .35em; background: var(--strategy-theme); color: #fff; font-weight: 900; line-height: 1; }
.pms-strategy-panel__framework > p { max-width: 820px; margin: .65rem auto 0; color: #cbd5e1; font-size: .9rem; line-height: 1.6; }
.pms-strategy-panel__framework-grid { display: grid; margin-top: 1.2rem; }
.pms-strategy-panel__framework-grid article { display: flex; align-items: center; gap: .7rem; min-width: 0; padding: .9rem; text-align: left; }
.pms-strategy-panel__framework-grid span { display: inline-flex; width: 1.75rem; height: 1.75rem; flex: 0 0 1.75rem; align-items: center; justify-content: center; border-radius: 50%; background: var(--strategy-theme); color: #fff; font-size: .8rem; font-weight: 800; }
.pms-strategy-panel__framework-grid strong { color: #fff; font-size: .9rem; line-height: 1.35; }

/* Tier 1 — Small mobile */
@media (max-width: 360px) {
    .pms-strategies { padding: 3rem 0; }
    .pms-strategies__container { padding: 0 .75rem; }
    .pms-strategies__header h2 { font-size: 1.55rem; }
    .pms-strategy-tabs { align-items: stretch; flex-direction: column; }
    .pms-strategy-tab { width: 100%; }
    .pms-strategy-panel__intro-card { padding: 1rem; }
    .pms-strategy-panel__details, .pms-strategy-panel__allocation-grid, .pms-strategy-panel__framework-grid { grid-template-columns: 1fr; gap: .8rem; }
    .pms-strategy-panel__philosophy-list article { grid-template-columns: 2.5rem minmax(0, 1fr); }
    .pms-strategy-panel__philosophy-list article > span { font-size: 1.9rem; }
}

/* Tier 2 — Standard mobile */
@media (min-width: 361px) and (max-width: 480px) {
    .pms-strategies__container { padding: 0 1rem; }
    .pms-strategy-tabs { flex-wrap: wrap; }
    .pms-strategy-panel__details, .pms-strategy-panel__allocation-grid, .pms-strategy-panel__framework-grid { grid-template-columns: 1fr; gap: .9rem; }
}

/* Tier 3 — Large mobile / phablet */
@media (min-width: 481px) and (max-width: 767px) {
    .pms-strategies__container { max-width: 680px; padding: 0 1.25rem; }
    .pms-strategy-tabs { flex-wrap: wrap; }
    .pms-strategy-panel__details, .pms-strategy-panel__allocation-grid { grid-template-columns: 1fr; gap: 1rem; }
    .pms-strategy-panel__framework-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem; }
}

/* Tier 4 — Tablet */
@media (min-width: 768px) and (max-width: 1023px) {
    .pms-strategies__container { max-width: 960px; }
    .pms-strategy-panel__details { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1rem; }
    .pms-strategy-panel__allocation-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem; }
    .pms-strategy-panel__framework-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1rem; }
}

/* Tier 5 — Laptop / small monitor */
@media (min-width: 1024px) and (max-width: 1279px) {
    .pms-strategy-panel__details { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1.25rem; }
    .pms-strategy-panel__allocation-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.25rem; }
    .pms-strategy-panel__framework-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1.25rem; }
}

/* Tier 6 — Large desktop */
@media (min-width: 1280px) {
    .pms-strategies { padding: 5.5rem 0; }
    .pms-strategy-panel__details { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1.5rem; }
    .pms-strategy-panel__allocation-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.5rem; }
    .pms-strategy-panel__framework-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1.5rem; }
}

@keyframes pms-strategy-reveal {
    from { opacity: 0; transform: translateY(10px); }
    to { opacity: 1; transform: translateY(0); }
}

@media (prefers-reduced-motion: reduce) {
    .pms-strategy-tab, .pms-strategy-separator { transition: none; }
    .pms-strategy-panel.is-active { animation: none; }
}

/* Phase 04 — Investment Philosophy */
.pms-investment-philosophy { position: relative; isolation: isolate; overflow: hidden; padding: 4.5rem 0; background: #f8fafc; }
.pms-investment-philosophy__texture { position: absolute; z-index: -1; inset: 0; width: 100%; height: 100%; color: #20b15a; opacity: .11; pointer-events: none; }
.pms-investment-philosophy__container { width: min(100% - 2.5rem, 1280px); margin: 0 auto; }
.pms-investment-philosophy__header { max-width: 800px; margin: 0 auto; text-align: center; }
.pms-investment-philosophy__header h2 { margin: 0; color: #15157e; font-size: clamp(2rem, 3vw, 2.5rem); font-weight: 800; line-height: 1.2; }
.pms-investment-philosophy__header p { margin: .75rem auto 0; color: #475569; font-size: clamp(1rem, 1.4vw, 1.125rem); line-height: 1.6; }
.pms-smart-grid { display: grid; margin-top: 3rem; }
.pms-smart-point { min-width: 0; }
.pms-smart-point__letter { color: #20b15a; font-size: 4rem; font-weight: 900; line-height: 1; }
.pms-smart-point h3 { margin: .5rem 0 0; color: #15157e; font-size: 1.15rem; font-weight: 700; line-height: 1.3; }
.pms-smart-point p { margin: .4rem 0 0; color: #64748b; font-size: .875rem; line-height: 1.6; }

/* Tier 1 — Small mobile */
@media (max-width: 360px) {
    .pms-investment-philosophy { padding: 3rem 0; }
    .pms-investment-philosophy__container { width: min(100% - 1.5rem, 1280px); }
    .pms-investment-philosophy__header h2 { font-size: 2rem; }
    .pms-smart-grid { margin-top: 1.75rem; }
    .pms-smart-point { display: grid; grid-template-columns: 3.25rem minmax(0, 1fr); align-items: center; gap: .75rem; padding: 1.25rem 0; border-bottom: 1px dashed #e2e8f0; }
    .pms-smart-point__letter { font-size: 3.25rem; }
    .pms-smart-point h3 { margin: 0; font-size: 1rem; }
    .pms-smart-point p { font-size: .8125rem; }
}

/* Tier 2 — Standard mobile */
@media (min-width: 361px) and (max-width: 480px) {
    .pms-investment-philosophy { padding: 3.5rem 0; }
    .pms-investment-philosophy__container { width: min(100% - 2rem, 1280px); }
    .pms-smart-grid { margin-top: 2rem; }
    .pms-smart-point { display: grid; grid-template-columns: 3.75rem minmax(0, 1fr); align-items: center; gap: 1rem; padding: 1.3rem 0; border-bottom: 1px dashed #e2e8f0; }
    .pms-smart-point__letter { font-size: 3.75rem; }
    .pms-smart-point h3 { margin: 0; font-size: 1.1rem; }
    .pms-smart-point p { font-size: .875rem; }
}

/* Tier 3 — Large mobile / phablet */
@media (min-width: 481px) and (max-width: 767px) {
    .pms-investment-philosophy__container { width: min(100% - 3rem, 680px); }
    .pms-smart-grid { margin-top: 2.25rem; }
    .pms-smart-point { display: grid; grid-template-columns: 4rem minmax(0, 1fr); align-items: center; gap: 1.5rem; padding: 1.35rem 0; border-bottom: 1px dashed #e2e8f0; }
    .pms-smart-point__letter { font-size: 4rem; }
}

/* Tier 4 — Tablet */
@media (min-width: 768px) and (max-width: 1023px) {
    .pms-investment-philosophy__container { width: min(100% - 4rem, 880px); }
    .pms-smart-grid { margin-top: 2.5rem; }
    .pms-smart-point { display: grid; grid-template-columns: 4.25rem minmax(0, 1fr); align-items: center; gap: 1.5rem; padding: 1.45rem 0; border-bottom: 1px dashed #e2e8f0; }
    .pms-smart-point__letter { font-size: 4.25rem; }
}

/* Tier 5 — Laptop / small monitor */
@media (min-width: 1024px) and (max-width: 1279px) {
    .pms-smart-grid { grid-template-columns: repeat(5, minmax(0, 1fr)); align-items: center; gap: 1.5rem; }
    .pms-smart-point { text-align: center; }
    .pms-smart-point__letter { font-size: 4.5rem; }
}

/* Tier 6 — Large desktop */
@media (min-width: 1280px) {
    .pms-investment-philosophy { padding: 5rem 0; }
    .pms-smart-grid { grid-template-columns: repeat(5, minmax(0, 1fr)); align-items: center; gap: 1.5rem; }
    .pms-smart-point { text-align: center; }
    .pms-smart-point__letter { font-size: 5rem; }
}

/* Phase 05 — Quant Investing */
html { scroll-behavior: smooth; }
.pms-quant-investing { padding: 5rem 0; background: #fff; }
.pms-quant-investing__container { width: min(100% - 2.5rem, 1120px); margin: 0 auto; }
.pms-quant-investing__quote-grid { display: grid; grid-template-columns: minmax(0, 3fr) minmax(0, 2fr); align-items: center; gap: 2rem; }
.pms-quant-quote { margin: 0; }
.pms-quant-quote blockquote { position: relative; margin: 0; padding-left: 1.2rem; color: #15157e; font-size: clamp(1.5rem, 2.5vw, 2rem); font-style: italic; font-weight: 700; line-height: 1.4; }
.pms-quant-quote blockquote::before { position: absolute; top: -.2em; left: 0; color: #20b15a; content: '“'; font-size: 2.2em; font-style: normal; line-height: 1; }
.pms-quant-quote figcaption { display: grid; gap: .25rem; margin-top: 1rem; color: #64748b; font-size: .95rem; line-height: 1.5; }
.pms-quant-quote figcaption strong { color: #334155; font-weight: 800; }
.pms-quant-investing__media { display: flex; justify-content: center; min-width: 0; }
.pms-quant-investing__media img { display: block; width: 100%; max-width: 280px; aspect-ratio: 4 / 5; height: auto; border: 1px solid #e2e8f0; border-radius: .75rem; background: #f1f5f9; box-shadow: 0 10px 24px rgba(21, 21, 126, .1); object-fit: cover; }
.pms-divider { height: 0; margin: 3.5rem 0; border: 0; border-top: 1px solid #e2e8f0; }
.pms-quant-block + .pms-quant-block { margin-top: 4.5rem; }
.pms-quant-block > h2 { margin: 0; color: #15157e; font-size: clamp(1.75rem, 3vw, 2.25rem); font-weight: 800; line-height: 1.2; text-align: center; }
.pms-quant-block__intro { max-width: 760px; margin: .8rem auto 0; color: #475569; font-size: clamp(1rem, 1.4vw, 1.125rem); line-height: 1.6; text-align: center; }
.pms-quant-card-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.5rem; margin-top: 2rem; }
.pms-quant-card { min-width: 0; padding: 1.5rem; border: 1px solid #e2e8f0; border-radius: .75rem; background: #f8fafc; transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease; }
.pms-quant-card p { margin: 0; color: #334155; font-size: 1rem; line-height: 1.65; }
.pms-quant-card--limitation { display: grid; grid-template-columns: auto minmax(0, 1fr); align-items: start; gap: 1rem; }
.pms-quant-card--limitation > span { color: #20b15a; font-size: 2rem; font-weight: 900; line-height: 1; }
.pms-quant-takeaway { max-width: 760px; margin: 2rem auto 0; padding: 1.35rem 1.5rem; border-radius: .75rem; background: #f0fdf4; color: #475569; text-align: center; }
.pms-quant-takeaway strong { color: #20b15a; font-size: 1.1rem; font-weight: 800; }
.pms-quant-takeaway p { margin: .5rem 0 0; line-height: 1.6; }
.pms-quant-investing__cta { display: flex; justify-content: center; margin-top: 2.5rem; }
.pms-quant-cta { display: inline-flex; min-height: 48px; align-items: center; justify-content: center; gap: .5rem; padding: .8rem 1.4rem; border-radius: 999px; background: #20b15a; color: #fff; font-weight: 800; text-decoration: none; transition: background-color .2s ease, transform .2s ease, box-shadow .2s ease; }
.pms-quant-cta:hover { background: #168b46; box-shadow: 0 10px 20px rgba(32, 177, 90, .22); transform: translateY(-2px); }
.pms-quant-cta:focus-visible { outline: 3px solid #15157e; outline-offset: 3px; }

@media (max-width: 1023px) {
    .pms-quant-investing { padding: 4rem 0; }
    .pms-quant-investing__quote-grid { gap: 1.25rem; }
    .pms-quant-investing__media img { max-width: 220px; }
    .pms-quant-card-grid { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
    .pms-quant-investing__container { width: min(100% - 1.5rem, 1120px); }
    .pms-quant-investing__quote-grid { gap: .85rem; }
    .pms-quant-quote blockquote { padding-left: .8rem; font-size: 1.25rem; }
    .pms-quant-quote figcaption { font-size: .78rem; }
    .pms-quant-investing__media img { max-width: 130px; border-radius: .6rem; }
    .pms-divider { margin: 2.5rem 0; }
    .pms-quant-block + .pms-quant-block { margin-top: 3.25rem; }
    .pms-quant-card { padding: 1.2rem; }
    .pms-quant-card p { font-size: .92rem; }
    .pms-quant-cta { width: 100%; }
}

@media (prefers-reduced-motion: reduce) {
    html { scroll-behavior: auto; }
    .pms-quant-card, .pms-quant-cta { transition: none; }
}

@media (min-width: 1024px) {
    .pms-quant-card:hover { border-color: #b7e7ca; box-shadow: 0 12px 24px rgba(21, 21, 126, .08); transform: translateY(-3px); }
}

/* Phase 06 — PMS FAQ */
.pms-faq { padding: 5rem 0; background: #f8fafc; }
.pms-faq__container { width: min(100% - 2rem, 960px); margin: 0 auto; text-align: left; }
.pms-faq h2 { margin: 0 0 2rem; color: #15157e; font-size: clamp(2rem, 3vw, 2.5rem); font-weight: 800; line-height: 1.2; }
.pms-faq-item { border-bottom: 1px solid #e2e8f0; }
.pms-faq-question { display: flex; width: 100%; min-height: 56px; align-items: center; justify-content: space-between; gap: 1rem; padding: 1.15rem 0; border: 0; background: transparent; color: #15157e; cursor: pointer; font: inherit; font-size: 1rem; font-weight: 700; line-height: 1.45; text-align: left; }
.pms-faq-question > span:first-child { min-width: 0; }
.pms-faq-question__icon { display: inline-flex; width: 1.75rem; height: 1.75rem; flex: 0 0 1.75rem; align-items: center; justify-content: center; border-radius: 50%; background: #e8f7ee; color: #20b15a; font-size: 1.35rem; font-weight: 500; line-height: 1; transition: background-color .2s ease, color .2s ease, transform .2s ease; }
.pms-faq-question[aria-expanded="true"] { color: #20b15a; }
.pms-faq-question[aria-expanded="true"] .pms-faq-question__icon { background: #20b15a; color: #fff; transform: rotate(45deg); }
.pms-faq-question:focus-visible, .pms-faq-toggle:focus-visible { outline: 3px solid #20b15a; outline-offset: 3px; }
.pms-faq-answer { max-height: 0; overflow: hidden; opacity: 0; transition: max-height .25s ease, opacity .2s ease; }
.pms-faq-answer.is-open { max-height: 1000px; opacity: 1; }
.pms-faq-answer p, .pms-faq-answer li { color: #475569; font-size: .9375rem; line-height: 1.65; }
.pms-faq-answer p { margin: 0; padding: 0 0 1.15rem; }
.pms-faq-answer ul { margin: -.4rem 0 0; padding: 0 0 1.15rem 1.2rem; }
.pms-faq-answer li + li { margin-top: .5rem; }
.pms-faq-extra[hidden] { display: none; }
.pms-faq-toggle { display: inline-flex; min-height: 44px; align-items: center; gap: .45rem; margin-top: 1.5rem; padding: .65rem 0; border: 0; background: transparent; color: #20b15a; cursor: pointer; font: inherit; font-weight: 800; text-align: left; }
.pms-faq-toggle:hover { color: #15157e; }

@media (max-width: 767px) {
    .pms-faq { padding: 4rem 0; }
    .pms-faq__container { width: min(100% - 2rem, 960px); }
    .pms-faq-question { font-size: 1rem; }
}

@media (min-width: 768px) {
    .pms-faq__container { width: min(75%, 960px); }
    .pms-faq-question { font-size: 1.125rem; }
}

@media (prefers-reduced-motion: reduce) {
    .pms-faq-question__icon { transition: none; }
}