/* Monterey Capital Management (Singapore) — sub-page stylesheet (Insights / 資産診断) */
:root{
  --bg:#ffffff; --text:#444444; --heading:#191919; --body:#3F4A58;
  --accent:#223D6B; --accent-hover:#2C4D86; --gold:#9C7C4B; --gold-light:#C9A96A;
  --light:#ECE7DD; --navy:#0B1A2C; --line:rgba(68,68,68,.12);
  --font:"Noto Serif JP","Hiragino Mincho ProN","Yu Mincho","YuMincho","Hiragino Mincho Pro",serif;
  --serif:"Cormorant Garamond",Georgia,serif;
  --nfont:"Noto Serif JP","Hiragino Mincho ProN","Yu Mincho","YuMincho","Hiragino Mincho Pro",serif;
  color-scheme:light;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--font);font-size:16px;line-height:1.7;-webkit-font-smoothing:antialiased}
a{color:var(--accent);text-decoration:none;transition:.3s}
a:hover{color:var(--accent-hover)}
h1,h2,h3,h4{color:var(--heading);margin:0}
p{margin:0 0 1rem}
img{max-width:100%}
.container{max-width:1140px;margin:0 auto;padding:0 12px}
.narrow{max-width:800px;margin:0 auto;padding:0 12px}

/* header (same as the top page) */
.header{position:sticky;top:0;z-index:997;background:#242424;color:#fff}
.topbar{height:40px;font-size:14px}
.topbar .container{display:flex;align-items:center;justify-content:space-between;height:40px}
.topbar .ci{display:flex;align-items:center;gap:22px}
.topbar .ci a{display:inline-flex;align-items:center;gap:6px;color:#fff;white-space:nowrap}
.topbar .ci a:hover{text-decoration:underline}
.topbar .ci svg{color:#cc1616}
.topbar .short{display:none}
.topbar .lang{color:rgba(255,255,255,.6);font-family:var(--nfont);font-size:13px}
.branding{background:rgba(255,255,255,.05);min-height:60px}
.branding .container{display:flex;align-items:center;justify-content:space-between;min-height:60px;position:relative}
.logo{display:flex;align-items:center;gap:10px;color:#fff}
.logo img{height:42px;width:auto;display:block}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.navmenu ul{display:flex;list-style:none;margin:0;padding:0;align-items:center}
.navmenu a{display:flex;align-items:center;padding:20px 11px;color:#fff;font-family:var(--nfont);font-size:14px;white-space:nowrap}
.navmenu a:hover,.navmenu a.active{color:#fff;background:var(--accent)}
.navmenu a.inst{color:rgba(255,255,255,.7);font-size:14px}
.nav-toggle{display:none;background:none;border:0;color:#fff;font-size:28px;line-height:1;cursor:pointer;padding:4px 8px}

/* page intro */
.pagehead{padding:88px 0 56px}
.eyebrow{display:block;font-family:var(--serif);font-size:18px;letter-spacing:.2em;color:var(--gold);margin-bottom:24px}
.pagehead h1{font-size:44px;font-weight:500;line-height:1.45;letter-spacing:.03em}
.pagehead .lead{font-size:18px;line-height:1.9;color:var(--body);margin:20px 0 0;max-width:800px}
.crumbs{font-size:13px;color:#888;margin-bottom:28px}
.crumbs a{color:#666}
.crumbs span{margin:0 8px;color:#bbb}

/* insights list */
.cards3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:40px;padding-bottom:120px}
.icard{display:flex;flex-direction:column;gap:14px;border-top:1px solid var(--heading);padding-top:24px}
.icard .cat{font-family:var(--serif);font-size:14px;letter-spacing:.14em;color:var(--gold);text-transform:uppercase}
.icard h3{font-size:22px;font-weight:700;line-height:1.5}
.icard h3 a{color:var(--heading)}
.icard h3 a:hover{color:var(--accent)}
.icard p{font-size:15px;line-height:1.9;color:var(--body);margin:0}
.icard .meta{font-size:13px;color:#888;margin-top:auto}
.icard .more{display:inline-flex;align-items:center;gap:6px;font-size:14px;color:var(--accent)}

/* article */
.article{padding-bottom:96px}
.article .meta{font-size:14px;color:#888;margin-top:16px}
.article .body{margin-top:48px}
.article .body h2{font-size:26px;font-weight:700;line-height:1.5;margin:56px 0 20px;padding-top:24px;border-top:1px solid var(--heading)}
.article .body h3{font-size:20px;font-weight:700;line-height:1.6;margin:36px 0 12px}
.article .body p{font-size:17px;line-height:2;color:var(--body);margin:0 0 1.4rem}
.article .body ul,.article .body ol{font-size:17px;line-height:2;color:var(--body);padding-left:1.4em;margin:0 0 1.4rem}
.article .body li{margin-bottom:.3rem}
.article .body li b{color:var(--heading);font-weight:600}
.article .body .callout{background:var(--light);padding:28px 32px;margin:36px 0;font-size:16px;line-height:1.9;color:var(--body)}
.article .body .callout b{color:var(--heading)}
.article .body table{width:100%;border-collapse:collapse;font-size:15px;margin:0 0 1.6rem}
.article .body th,.article .body td{border:1px solid #DDD8CD;padding:12px 14px;text-align:left;vertical-align:top;line-height:1.7}
.article .body th{background:#F7F5F0;font-weight:600;color:var(--heading)}
.article .disclaimer{font-size:13px;line-height:1.9;color:#888;border-top:1px solid var(--line);padding-top:20px;margin-top:48px}
.article .next{margin-top:56px;display:grid;grid-template-columns:1fr 1fr;gap:24px}
.article .next a{display:block;border:1px solid var(--line);padding:22px 24px;color:var(--heading);font-weight:600;line-height:1.6}
.article .next a small{display:block;font-weight:400;font-size:12px;color:#888;margin-bottom:6px;letter-spacing:.1em}
.article .next a:hover{border-color:var(--accent);color:var(--accent)}
.draft{display:inline-block;font-size:12px;letter-spacing:.1em;color:#fff;background:#8E97A3;padding:2px 10px;border-radius:2px;margin-left:12px;vertical-align:middle}

/* CTA band (static) */
.cta{background:var(--navy);color:#fff;padding:88px 0;text-align:center}
.cta h3{font-size:30px;font-weight:500;letter-spacing:.03em;color:#fff}
.cta p{color:rgba(255,255,255,.85);max-width:720px;margin:14px auto 0;font-size:17px;line-height:1.9}
.cta .btns{display:flex;justify-content:center;gap:14px;flex-wrap:wrap;margin-top:30px}
.btn{display:inline-block;padding:12px 32px;font-size:15px;letter-spacing:.04em;border:2px solid #fff;color:#fff;font-family:var(--nfont);transition:.4s}
.btn:hover{background:#fff;color:var(--navy)}
.btn.primary{background:var(--accent);border-color:var(--accent);color:#fff}
.btn.primary:hover{background:var(--accent-hover);border-color:var(--accent-hover);color:#fff}
.btn.dark{border-color:var(--heading);color:var(--heading)}
.btn.dark:hover{background:var(--heading);color:#fff}

/* diagnosis */
.diag{padding:0 0 120px}
.diag .panel{max-width:760px;margin:0 auto;background:#fff;border:1px solid var(--line);padding:48px 56px}
.diag .prog{display:flex;align-items:center;justify-content:space-between;font-family:var(--serif);font-size:15px;letter-spacing:.14em;color:var(--gold);margin-bottom:20px}
.diag .bar{height:2px;background:var(--line);margin-bottom:36px;position:relative}
.diag .bar i{position:absolute;left:0;top:0;height:2px;background:var(--gold);transition:width .4s}
.diag h2{font-size:28px;font-weight:500;line-height:1.5;letter-spacing:.02em;margin-bottom:8px}
.diag .hint{font-size:14px;color:#888;margin-bottom:28px}
.diag .opts{display:flex;flex-direction:column;gap:12px}
.diag .opt{display:flex;align-items:center;gap:16px;width:100%;text-align:left;background:#fff;border:1px solid #D9D9D9;padding:18px 22px;font:inherit;font-size:17px;color:var(--heading);cursor:pointer;transition:.25s}
.diag .opt .k{flex-shrink:0;width:30px;height:30px;border-radius:50%;border:1px solid #BBB;display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-size:15px;color:var(--gold)}
.diag .opt:hover{border-color:var(--accent);background:#F4F6FA}
.diag .opt.sel{border-color:var(--accent);background:#EEF2F7}
.diag .nav{display:flex;justify-content:space-between;align-items:center;margin-top:32px}
.diag .back{background:none;border:0;color:#666;font:inherit;font-size:14px;cursor:pointer;padding:8px 0}
.diag .back:disabled{visibility:hidden}
.diag .privacy{font-size:13px;color:#888;text-align:center;margin-top:20px;line-height:1.8}
.res .tag{font-family:var(--serif);font-size:15px;letter-spacing:.2em;color:var(--gold);margin-bottom:12px;display:block}
.res h2{font-size:30px;margin-bottom:16px}
.res .acct{background:var(--navy);color:#fff;padding:32px 36px;margin:24px 0 32px}
.res .acct .eb{display:block;font-family:var(--serif);font-size:14px;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-light);margin-bottom:8px}
.res .acct h3{color:#fff;font-size:24px;font-weight:700;margin-bottom:10px}
.res .acct p{color:rgba(255,255,255,.86);font-size:16px;line-height:1.9;margin:0}
.res h4{font-size:15px;font-weight:700;letter-spacing:.12em;color:var(--gold);margin:28px 0 12px}
.res ul{list-style:none;padding:0;margin:0}
.res li{position:relative;padding:12px 0 12px 28px;border-top:1px solid var(--line);font-size:16px;line-height:1.9;color:var(--body)}
.res li:last-child{border-bottom:1px solid var(--line)}
.res li:before{content:"";position:absolute;left:4px;top:24px;width:10px;height:1px;background:var(--gold)}
.res .next{margin-top:36px;padding:32px 36px;background:var(--light)}
.res .next h3{font-size:20px;font-weight:700;margin-bottom:8px}
.res .next p{font-size:15px;line-height:1.9;color:var(--body);margin:0 0 18px}
.res .next .btns{display:flex;gap:12px;flex-wrap:wrap}
.res .again{margin-top:28px;text-align:center}
.res .again button{background:none;border:0;color:#666;font:inherit;font-size:14px;cursor:pointer;text-decoration:underline;text-underline-offset:3px}

#mtoast{position:fixed;left:50%;bottom:90px;transform:translate(-50%,12px);background:#191919;color:#fff;font-size:14px;padding:12px 20px;border-radius:4px;box-shadow:0 8px 24px rgba(0,0,0,.25);opacity:0;pointer-events:none;transition:.3s;z-index:1000;max-width:92vw;text-align:center}
#mtoast.on{opacity:1;transform:translate(-50%,0)}
/* footer: dark footer with a categorised site map, as on the original SG page */
.footer{background:#07121F;color:#A9B0BA;padding:56px 0 48px;font-size:12px}
.footer .frow{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;margin-bottom:40px}
.footer .flogo{height:36px;width:auto;display:block}
.footer .flinks{display:flex;flex-wrap:wrap;gap:12px 28px;font-size:13px}
.footer .flinks a{color:#C4C9D1}
.footer .flinks a:hover{color:#fff}
.footer .fcols{display:grid;grid-template-columns:1fr 1fr 1fr;gap:32px 48px;padding-bottom:40px;margin-bottom:32px;border-bottom:1px solid rgba(255,255,255,.1)}
.footer .fcol h4{font-family:'Cormorant Garamond',Georgia,serif;font-size:14px;font-weight:600;letter-spacing:.18em;color:#C9A96A;margin:0 0 12px}
.footer .fcol h4.mt{margin-top:24px}
.footer .fcol ul{list-style:none;margin:0;padding:0}
.footer .fcol li{position:relative;padding:4px 0 4px 14px;font-size:13px;line-height:1.7}
.footer .fcol li:before{content:"";position:absolute;left:0;top:15px;width:6px;height:1px;background:#5A6878}
.footer .fcol a{color:#C4C9D1}
.footer .fcol a:hover{color:#fff}
.footer .official{max-width:960px;font-size:12px;line-height:1.9;color:#A9B0BA;margin:0 0 12px}
.footer .copy{margin:20px 0 0;font-size:12px;color:#8E97A3}

@media (max-width:1199px){
  .navmenu{position:absolute;left:0;right:0;top:100%;display:none;background:#fff;box-shadow:0 10px 30px rgba(0,0,0,.15)}
  .navmenu.open{display:block}
  .navmenu ul{flex-direction:column;align-items:stretch;padding:10px 0}
  .navmenu a{color:#212529;padding:12px 24px;font-weight:500}
  .navmenu a.inst{color:#555}
  .nav-toggle{display:block}
}
@media (max-width:991px){
  .cards3{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:768px){
  .footer .fcols{grid-template-columns:1fr;gap:28px}
  .topbar .ci .mail{display:none}
  .topbar .ci{gap:14px}
  .topbar .full{display:none}.topbar .short{display:inline}
  .logo img{height:32px}
  .pagehead{padding:56px 0 36px}
  .pagehead h1{font-size:28px}
  .eyebrow{font-size:14px;margin-bottom:16px}
  .pagehead .lead{font-size:16px}
  .cards3{grid-template-columns:1fr;gap:36px;padding-bottom:72px}
  .article .body h2{font-size:22px;margin-top:40px}
  .article .body p,.article .body ul,.article .body ol{font-size:16px;line-height:1.9}
  .article .next{grid-template-columns:1fr}
  .cta{padding:64px 0}.cta h3{font-size:24px}
  .diag{padding-bottom:72px}
  .diag .panel{padding:28px 20px;border:0}
  .diag h2{font-size:22px}
  .diag .opt{font-size:16px;padding:14px 16px}
  .res .acct{padding:24px}
  .res .next{padding:24px}
}