/* ============================================================
   SHERIDANS PRIVATE WEALTH
   style.css — Global Stylesheet
   Fonts loaded via Google Fonts <link> in each HTML file.
   ============================================================ */

/* ── 1. Design Tokens ─────────────────────────────────────── */
:root {
  --navy:        #1B2B4B;
  --navy-dark:   #0F1B30;
  --navy-light:  #2A3F6A;
  --gold:        #C9A84C;
  --gold-light:  #DFC37A;
  --gold-dark:   #A8882A;
  --warm-grey:   #F7F6F2;
  --mid-grey:    #9A9A94;
  --border:      #DDD9D0;
  --white:       #FFFFFF;
  --body-text:   #2C2C2C;

  --font-heading: 'Playfair Display', Georgia, serif;
  --font-body:    'Inter', 'Helvetica Neue', Arial, sans-serif;

  --max-width:        1200px;
  --nav-height:       80px;
  --tools-bar-height: 42px;
  --section-py:       90px;
  --px:          24px;

  --shadow-sm:   0 2px 8px rgba(27,43,75,0.08);
  --shadow-md:   0 4px 20px rgba(27,43,75,0.12);
  --shadow-lg:   0 8px 40px rgba(27,43,75,0.18);

  --transition:  0.3s ease;
  --radius:      4px;
  --radius-md:   8px;
}

/* ── 2. Reset & Base ──────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { font-size: 16px; scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.7;
  color: var(--body-text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

img, video, iframe { max-width: 100%; display: block; }
a { color: var(--navy); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold); }
ul, ol { list-style: none; }
p { margin-bottom: 1.25rem; }
p:last-child { margin-bottom: 0; }

/* ── 3. Typography ────────────────────────────────────────── */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 1rem;
}
h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); }
h3 { font-size: clamp(1.3rem, 2.5vw, 1.8rem); }
h4 { font-size: 1.2rem; }
h5 { font-size: 1rem; }

.lead {
  font-size: 1.12rem;
  line-height: 1.85;
  color: #555;
}

.eyebrow {
  display: block;
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.9rem;
}

/* ── 4. Layout ────────────────────────────────────────────── */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 var(--px);
}

.section          { padding: var(--section-py) 0; }
.section--grey    { background: var(--warm-grey); }
.section--navy    { background: var(--navy); }
.section--navy h1,
.section--navy h2,
.section--navy h3,
.section--navy h4   { color: var(--white); }
.section--navy p    { color: rgba(255, 255, 255, 0.75); }

.section-header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 60px;
}
.section-header .eyebrow { margin-bottom: 0.6rem; }
.section-header p { color: #666; font-size: 1.05rem; }
.section--navy .section-header p { color: rgba(255,255,255,0.72); }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; }
.grid-5 { display: grid; grid-template-columns: repeat(5, 1fr); gap: 24px; }

.text-center { text-align: center; }
.text-gold   { color: var(--gold); }
.text-white  { color: var(--white); }
.text-muted  { color: var(--mid-grey); }
.mb-0        { margin-bottom: 0; }

/* ── 5. Buttons ───────────────────────────────────────────── */
.btn {
  display: inline-block;
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 14px 32px;
  border-radius: var(--radius);
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--transition);
  line-height: 1;
  white-space: nowrap;
}

.btn-primary {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.btn-primary:hover {
  background: var(--gold-dark);
  border-color: var(--gold-dark);
  color: var(--navy);
  transform: translateY(-2px);
  box-shadow: 0 6px 16px rgba(201,168,76,0.35);
}

.btn-secondary {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-secondary:hover {
  background: var(--navy-dark);
  border-color: var(--navy-dark);
  color: var(--white);
  transform: translateY(-2px);
}

.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline:hover {
  background: var(--navy);
  color: var(--white);
}

.btn-outline-white {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.65);
}
.btn-outline-white:hover {
  background: var(--white);
  color: var(--navy);
  border-color: var(--white);
}

.btn-lg { padding: 18px 44px; font-size: 0.95rem; }
.btn-block { width: 100%; text-align: center; }

/* ── 6. Navigation ────────────────────────────────────────── */
.site-nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  height: var(--nav-height);
  background: var(--navy);
  box-shadow: 0 2px 16px rgba(0,0,0,0.15);
  transition: background var(--transition), box-shadow var(--transition);
}
.site-nav.scrolled {
  background: var(--navy-dark);
  box-shadow: 0 4px 24px rgba(0,0,0,0.25);
}

/* ── Tools Bar ─────────────────────────────────────────── */
.tools-bar {
  position: fixed;
  top: var(--nav-height);
  left: 0; right: 0;
  z-index: 999;
  height: var(--tools-bar-height);
  background: linear-gradient(90deg, #0d1e3a, var(--navy-dark));
  border-bottom: 1px solid rgba(201,168,76,0.25);
  display: flex;
  align-items: center;
}
.tools-bar-inner {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 var(--px);
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: nowrap;
  overflow: hidden;
}
.tools-bar-label {
  font-size: 0.7rem;
  color: rgba(255,255,255,0.38);
  font-family: var(--font-body);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  white-space: nowrap;
  margin-right: 4px;
}
.tools-bar-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.76rem;
  font-weight: 600;
  color: var(--gold);
  text-decoration: none;
  padding: 4px 13px;
  border: 1px solid rgba(201,168,76,0.35);
  border-radius: 100px;
  transition: background 0.2s, border-color 0.2s, color 0.2s;
  font-family: var(--font-body);
  white-space: nowrap;
  flex-shrink: 0;
}
.tools-bar-btn:hover {
  background: rgba(201,168,76,0.14);
  border-color: var(--gold);
  color: #fff;
}
.tools-bar-btn svg { flex-shrink: 0; }

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 var(--px);
}

.nav-logo { display: flex; align-items: center; text-decoration: none; }
.nav-logo img { height: 58px; width: auto; display: block; background: var(--white); border-radius: 6px; padding: 4px 10px; }
.footer-brand img.site-logo { filter: none; background: var(--white); border-radius: 6px; padding: 4px 10px; }

.logo-placeholder {
  width: 160px;
  height: 46px;
  border: 2px dashed rgba(201,168,76,0.55);
  border-radius: var(--radius);
  background: rgba(201,168,76,0.06);
  display: flex;
  align-items: center;
  justify-content: center;
}
.logo-placeholder span {
  font-size: 0.6rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  color: var(--gold);
  text-transform: uppercase;
  text-align: center;
  line-height: 1.4;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 4px;
}

.nav-link {
  font-size: 0.875rem;
  font-weight: 500;
  color: rgba(255,255,255,0.82);
  padding: 8px 14px;
  border-radius: var(--radius);
  transition: all var(--transition);
}
.nav-link:hover  { color: var(--white); background: rgba(255,255,255,0.1); }
.nav-link.active { color: var(--gold); background: rgba(255,255,255,0.06); }

.nav-cta { margin-left: 10px; }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ── 7. Page Hero (interior pages) ───────────────────────── */
.page-hero {
  padding: calc(var(--nav-height) + var(--tools-bar-height) + 64px) 0 64px;
  background: linear-gradient(140deg, var(--navy-dark) 0%, var(--navy) 60%, var(--navy-light) 100%);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(201,168,76,0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,0.05) 1px, transparent 1px);
  background-size: 64px 64px;
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1        { color: var(--white); }
.page-hero .lead     { color: rgba(255,255,255,0.76); max-width: 580px; margin: 0 auto; }

/* ── 8. Home Hero ─────────────────────────────────────────── */
.hero {
  min-height: 100vh;
  display: flex;
  align-items: center;
  background: linear-gradient(145deg, var(--navy-dark) 0%, var(--navy) 55%, #1F3461 100%);
  position: relative;
  overflow: hidden;
  padding-top: calc(var(--nav-height) + var(--tools-bar-height));
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(201,168,76,0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,0.05) 1px, transparent 1px);
  background-size: 80px 80px;
}
.hero::after {
  content: '';
  position: absolute;
  right: -180px; top: 50%;
  transform: translateY(-50%);
  width: 680px; height: 680px;
  border-radius: 50%;
  border: 1px solid rgba(201,168,76,0.1);
  background: radial-gradient(circle, rgba(201,168,76,0.07) 0%, transparent 70%);
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 1;
  max-width: 680px;
}

.hero-eyebrow {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.5rem;
}
.hero-eyebrow::before {
  content: '';
  display: block;
  width: 32px; height: 1px;
  background: var(--gold);
}

.hero h1 {
  color: var(--white);
  font-size: clamp(2.6rem, 5.5vw, 4rem);
  line-height: 1.12;
  margin-bottom: 1.5rem;
}
.hero h1 em { font-style: italic; color: var(--gold); }

.hero-subtitle {
  font-size: 1.12rem;
  color: rgba(255,255,255,0.76);
  line-height: 1.85;
  margin-bottom: 2.5rem;
  max-width: 540px;
}

.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

/* ── 9. Value Strip ───────────────────────────────────────── */
.value-strip {
  padding: 64px 0;
  background: var(--white);
  border-bottom: 1px solid var(--border);
}

.value-item { display: flex; gap: 20px; align-items: flex-start; }

.value-icon {
  flex-shrink: 0;
  width: 52px; height: 52px;
  border-radius: 50%;
  background: rgba(201,168,76,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
}
.value-icon svg { width: 22px; height: 22px; }

.value-item h4 {
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 1rem;
  color: var(--navy);
  margin-bottom: 0.35rem;
}
.value-item p { font-size: 0.88rem; color: #666; margin: 0; }

/* ── 10. Service Cards ────────────────────────────────────── */
.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 36px 30px;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform var(--transition);
}
.service-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
  border-color: transparent;
}
.service-card:hover::before { transform: scaleX(1); }

.service-card-icon {
  width: 54px; height: 54px;
  border-radius: var(--radius);
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  color: var(--gold);
}
.service-card-icon svg { width: 26px; height: 26px; }

.service-card h3 { font-size: 1.2rem; margin-bottom: 0.65rem; }
.service-card p  { font-size: 0.9rem; color: #666; margin-bottom: 1.25rem; }

/* Navy CTA card — last item in services overview grid */
.service-card--cta {
  background: var(--navy);
  border-color: var(--navy);
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  text-align: center;
}
.service-card--cta h3 { color: var(--white); }
.service-card--cta p  { color: rgba(255, 255, 255, 0.72); }

.link-arrow {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--navy);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: gap var(--transition), color var(--transition);
}
.link-arrow:hover       { color: var(--gold); gap: 10px; }
.link-arrow::after      { content: '→'; }

/* ── 11. Stats Bar ────────────────────────────────────────── */
.stats-bar {
  background: var(--navy);
  padding: 64px 0;
}
.stat-item { text-align: center; padding: 12px; }
.stat-number {
  font-family: var(--font-heading);
  font-size: clamp(2.2rem, 4vw, 3.2rem);
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  display: block;
  margin-bottom: 8px;
}
.stat-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.65);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-weight: 500;
}

/* ── 12. Testimonials ─────────────────────────────────────── */
.testimonial-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 40px;
  position: relative;
}
.testimonial-card::before {
  content: '\201C';
  font-family: var(--font-heading);
  font-size: 5rem;
  color: var(--gold);
  opacity: 0.25;
  position: absolute;
  top: 12px; left: 24px;
  line-height: 1;
}

.testimonial-text {
  font-size: 0.97rem;
  font-style: italic;
  line-height: 1.85;
  color: #444;
  margin-bottom: 1.5rem;
  position: relative;
  z-index: 1;
}

.testimonial-author { display: flex; align-items: center; gap: 14px; }

.testimonial-avatar {
  width: 46px; height: 46px;
  border-radius: 50%;
  background: var(--navy);
  border: 2px solid var(--gold);
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: 0.85rem;
  color: var(--gold);
  font-weight: 700;
  text-align: center;
  line-height: 1;
  letter-spacing: 0.03em;
}

.testimonial-author-name  { font-weight: 600; color: var(--navy); font-size: 0.92rem; }
.testimonial-author-title { font-size: 0.8rem; color: var(--mid-grey); }

/* ── 13. Lead Magnet Banner ───────────────────────────────── */
.lead-magnet-banner {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  padding: 72px 0;
  position: relative;
  overflow: hidden;
}
.lead-magnet-banner::after {
  content: '';
  position: absolute;
  right: 0; top: 0; bottom: 0;
  width: 420px;
  background: linear-gradient(135deg, transparent, rgba(201,168,76,0.07));
  clip-path: polygon(18% 0%, 100% 0%, 100% 100%, 0% 100%);
}

.lm-banner-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  flex-wrap: wrap;
  position: relative;
  z-index: 1;
}

.free-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(201,168,76,0.12);
  border: 1px solid rgba(201,168,76,0.3);
  border-radius: 20px;
  padding: 5px 14px;
  margin-bottom: 0.85rem;
}
.free-badge span {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
}

.lm-banner-inner h2 {
  color: var(--white);
  font-size: clamp(1.5rem, 3vw, 2rem);
  margin-bottom: 0.6rem;
}
.lm-banner-inner p { color: rgba(255,255,255,0.72); margin: 0; }

/* ── 14. Team Cards ───────────────────────────────────────── */
.team-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: all var(--transition);
  text-align: center;
}
.team-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

/* Navy CTA card — last item in team grid */
.team-card--cta {
  background: var(--navy);
  border-color: var(--navy);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 36px 28px;
}
.team-card--cta h4 { color: var(--white); margin-bottom: 0.75rem; }
.team-card--cta p  { color: rgba(255, 255, 255, 0.7); font-size: 0.875rem; margin-bottom: 1.5rem; }

.team-photo {
  width: 100%;
  aspect-ratio: 3 / 4;
  background: linear-gradient(145deg, var(--warm-grey), #E4E2DB);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 10px;
  border-bottom: 1px solid var(--border);
}
.team-photo .ph-icon {
  width: 60px; height: 60px;
  border-radius: 50%;
  background: var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--mid-grey);
}
.team-photo .ph-icon svg { width: 28px; height: 28px; }
.team-photo .ph-label {
  font-size: 0.7rem;
  color: var(--mid-grey);
  font-weight: 500;
  text-align: center;
  padding: 0 12px;
  line-height: 1.4;
}

img.team-photo {
  width: 100%;
  aspect-ratio: 3 / 4;
  object-fit: cover;
  object-position: top center;
  display: block;
  border-bottom: 1px solid var(--border);
  background: none;
}
.team-card-body { padding: 24px; }
.team-card-body h4     { font-size: 1.1rem; margin-bottom: 0.2rem; }
.team-card-body .title {
  display: block;
  font-size: 0.78rem;
  color: var(--gold);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 0.75rem;
}
.team-card-body p { font-size: 0.875rem; color: #666; margin-bottom: 1.25rem; }

/* Philosophy pillar cards (About page) */
.pillar-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 36px 30px;
  border-top: 3px solid var(--gold);
}
.pillar-icon {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: rgba(201, 168, 76, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  color: var(--gold);
}
.pillar-card h3 { font-size: 1.2rem; }
.pillar-card p  { color: #666; font-size: 0.9rem; }

/* ── 15. Blog Cards ───────────────────────────────────────── */
.blog-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}
.blog-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); }

.blog-card-img {
  width: 100%;
  aspect-ratio: 16 / 9;
  background: linear-gradient(145deg, var(--navy), var(--navy-light));
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
}
.blog-card-img .ph-label {
  font-size: 0.7rem;
  color: rgba(255,255,255,0.4);
  font-weight: 500;
}

.blog-card-cat {
  position: absolute;
  top: 12px; left: 12px;
  background: var(--gold);
  color: var(--navy);
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 2px;
}

.blog-card-body {
  padding: 28px;
  flex: 1;
  display: flex;
  flex-direction: column;
}
.blog-card-meta {
  font-size: 0.78rem;
  color: var(--mid-grey);
  margin-bottom: 0.75rem;
  display: flex;
  align-items: center;
  gap: 12px;
}
.blog-card-meta .sep { color: var(--border); }
.blog-card-body h3 { font-size: 1.1rem; margin-bottom: 0.65rem; line-height: 1.4; }
.blog-card-body p  { font-size: 0.875rem; color: #666; flex: 1; margin-bottom: 1.5rem; }

/* ── 16. Forms ────────────────────────────────────────────── */
.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
}
.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 12px 16px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--body-text);
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  transition: border-color var(--transition), box-shadow var(--transition);
  appearance: none;
}
.form-group input:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(27,43,75,0.09);
}
.form-group input.error,
.form-group textarea.error { border-color: #c0392b; }
.field-error {
  font-size: 0.78rem;
  color: #c0392b;
  margin-top: 4px;
  display: none;
}
.field-error.visible { display: block; }
.form-group textarea { resize: vertical; min-height: 130px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 20px; }
.form-note { font-size: 0.8rem; color: var(--mid-grey); margin-top: 10px; }

.alert {
  padding: 14px 18px;
  border-radius: var(--radius);
  margin-bottom: 18px;
  font-size: 0.92rem;
  display: none;
}
.alert.visible   { display: block; }
.alert-success   { background: #e8f5e9; border: 1px solid #a5d6a7; color: #2e7d32; }
.alert-error     { background: #fde8e8; border: 1px solid #f5b7b7; color: #c0392b; }

/* ── 17. Contact Page ─────────────────────────────────────── */
/* FAQ cards (Contact page) */
.faq-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 28px;
}
.faq-card h4 { font-size: 1rem; margin-bottom: 0.6rem; }
.faq-card p  { font-size: 0.9rem; color: #666; margin: 0; }

.contact-info-item { display: flex; gap: 16px; align-items: flex-start; margin-bottom: 28px; }
.contact-icon {
  width: 42px; height: 42px;
  border-radius: 50%;
  background: rgba(201,168,76,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--gold);
}
.contact-icon svg      { width: 18px; height: 18px; }
.contact-info-label    { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gold); margin-bottom: 3px; }
.contact-info-value    { font-size: 0.95rem; color: var(--navy); }

.map-placeholder {
  width: 100%;
  height: 300px;
  background: linear-gradient(145deg, #e8e6df, #dddbd3);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 10px;
}
.map-placeholder .ph-label { font-size: 0.85rem; color: var(--mid-grey); font-weight: 500; }

/* ── 18. Adviser Profile Pages ────────────────────────────── */
.adviser-hero {
  padding: calc(var(--nav-height) + var(--tools-bar-height) + 56px) 0 0;
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
}
.adviser-hero-inner {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 56px;
  align-items: end;
}

.adviser-photo {
  width: 280px;
  aspect-ratio: 3 / 4;
  background: linear-gradient(145deg, var(--warm-grey), #E4E2DB);
  border-radius: var(--radius-md) var(--radius-md) 0 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 10px;
  border: 2px dashed var(--border);
}
img.adviser-photo {
  width: 280px;
  aspect-ratio: 3 / 4;
  object-fit: cover;
  object-position: top center;
  border-radius: var(--radius-md) var(--radius-md) 0 0;
  display: block;
  background: none;
  border: none;
  flex-shrink: 0;
}
.adviser-photo .ph-label {
  font-size: 0.7rem;
  color: var(--mid-grey);
  font-weight: 500;
  text-align: center;
  padding: 0 16px;
  line-height: 1.5;
}

.adviser-hero-text { padding-bottom: 48px; }
.adviser-hero-text h1    { color: var(--white); font-size: clamp(2rem, 4vw, 2.8rem); margin-bottom: 0.4rem; }
.adviser-hero-text .role { display: block; font-size: 1rem; color: rgba(255,255,255,0.68); margin-bottom: 1.5rem; }
.adviser-hero-text p     { color: rgba(255,255,255,0.76); font-size: 1rem; }

.cred-list { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 1.5rem; }
.cred-badge {
  background: rgba(201,168,76,0.12);
  border: 1px solid rgba(201,168,76,0.3);
  color: var(--gold);
  font-size: 0.72rem;
  font-weight: 700;
  padding: 5px 12px;
  border-radius: 20px;
  letter-spacing: 0.04em;
}

.adviser-body {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 56px;
  align-items: start;
}

.adviser-sidebar {
  position: sticky;
  top: calc(var(--nav-height) + var(--tools-bar-height) + 20px);
}

.sidebar-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 26px;
  margin-bottom: 20px;
}
.sidebar-card h4 {
  font-size: 0.95rem;
  margin-bottom: 0.9rem;
  padding-bottom: 0.75rem;
  border-bottom: 2px solid var(--gold);
}

/* Dark (navy) variant of sidebar-card — used for Book a Meeting */
.sidebar-card--dark {
  background: var(--navy);
  border-color: var(--navy);
}
.sidebar-card--dark h4 {
  color: var(--white);
  border-bottom-color: rgba(201, 168, 76, 0.4);
}
.sidebar-card--dark p {
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.875rem;
  margin-bottom: 1.25rem;
}

/* Qualifications block wrapper */
.qual-block { margin-top: 2.5rem; }

/* Qualification list inside adviser bio */
.qual-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.qual-list li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.92rem;
  color: #555;
}
.qual-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold);
  flex-shrink: 0;
}

/* CTA box beneath adviser bio */
.adviser-cta-box {
  margin-top: 2.5rem;
  padding: 32px;
  background: var(--warm-grey);
  border-radius: var(--radius-md);
  border-left: 4px solid var(--gold);
}
.adviser-cta-box h3 {
  font-size: 1.2rem;
  margin-bottom: 0.5rem;
}
.adviser-cta-box p {
  color: #666;
  font-size: 0.92rem;
  margin-bottom: 1.25rem;
}

/* Left-aligned section-header modifier — adviser articles section */
.section-header--left {
  text-align: left;
  max-width: none;
  margin-bottom: 40px;
}

.spec-tag {
  display: inline-block;
  background: var(--warm-grey);
  color: var(--navy);
  font-size: 0.8rem;
  font-weight: 500;
  padding: 5px 12px;
  border-radius: 3px;
  margin: 0 4px 6px 0;
}

.sidebar-lm {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy));
  border-radius: var(--radius-md);
  padding: 26px;
  text-align: center;
  margin-bottom: 20px;
}
.sidebar-lm .free-badge { display: inline-flex; margin-bottom: 0.9rem; }
.sidebar-lm h4 { color: var(--white); font-size: 1rem; margin-bottom: 0.65rem; }
.sidebar-lm p  { color: rgba(255,255,255,0.72); font-size: 0.85rem; margin-bottom: 1.25rem; }

/* ── 19. Services Page ────────────────────────────────────── */
.service-section { padding: 80px 0; }
.service-section:nth-child(even) { background: var(--warm-grey); }

.service-section-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}
.service-section:nth-child(even) .service-section-inner {
  direction: rtl;
}
.service-section:nth-child(even) .service-section-inner > * {
  direction: ltr;
}

.service-visual {
  width: 100%;
  aspect-ratio: 4 / 3;
  background: linear-gradient(145deg, var(--navy), var(--navy-light));
  border-radius: var(--radius-md);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 14px;
  color: var(--gold);
}
.service-visual .visual-icon {
  width: 80px; height: 80px;
  border-radius: 50%;
  background: rgba(201,168,76,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
}
.service-visual .visual-icon svg { width: 40px; height: 40px; }
.service-visual .ph-label { font-size: 0.7rem; color: rgba(255,255,255,0.35); }
.service-visual > svg { display: block; width: 100%; height: 100%; }

.service-text .eyebrow { margin-bottom: 0.6rem; }
.service-text h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); margin-bottom: 1rem; }
.service-text p  { color: #555; }

.service-text ul { margin: 0.5rem 0 1.5rem; }
.service-text ul li {
  padding: 5px 0 5px 22px;
  position: relative;
  font-size: 0.92rem;
  color: #555;
}
.service-text ul li::before {
  content: '';
  position: absolute;
  left: 0; top: 14px;
  width: 10px; height: 2px;
  background: var(--gold);
}

/* ── 20. Lead Magnet Page ─────────────────────────────────── */
.lm-hero {
  min-height: 80vh;
  display: flex;
  align-items: center;
  background: linear-gradient(145deg, var(--navy-dark) 0%, var(--navy) 60%, #1F3461 100%);
  padding-top: calc(var(--nav-height) + var(--tools-bar-height));
  position: relative;
  overflow: hidden;
}
.lm-hero::before {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(201,168,76,0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,0.05) 1px, transparent 1px);
  background-size: 80px 80px;
}

.lm-hero-inner {
  display: grid;
  grid-template-columns: 1fr 460px;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.lm-hero h1         { color: var(--white); font-size: clamp(2rem, 4vw, 3rem); }
.lm-hero .subhead   { font-size: 1.08rem; color: rgba(255,255,255,0.75); margin-bottom: 2rem; }

.module-list { margin: 0; }
.module-list li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 14px 0;
  border-bottom: 1px solid rgba(255,255,255,0.07);
  color: rgba(255,255,255,0.85);
  font-size: 0.95rem;
}
.module-list li:last-child { border-bottom: none; }
.module-list li strong { color: var(--white); }
.module-num {
  flex-shrink: 0;
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy);
  font-size: 0.72rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
}

.opt-in-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 36px;
  box-shadow: var(--shadow-lg);
}
.opt-in-card h3     { font-size: 1.35rem; color: var(--navy); margin-bottom: 0.4rem; }
.opt-in-card .sub   { font-size: 0.88rem; color: #666; margin-bottom: 1.5rem; }

.privacy-note {
  font-size: 0.75rem;
  color: var(--mid-grey);
  text-align: center;
  margin-top: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
}
.privacy-note svg { width: 12px; height: 12px; flex-shrink: 0; }

.thank-you { text-align: center; padding: 32px 16px; display: none; }
.thank-you.visible { display: block; }
.thank-you .check-circle {
  width: 60px; height: 60px;
  border-radius: 50%;
  background: rgba(201,168,76,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
  color: var(--gold);
}
.thank-you .check-circle svg { width: 28px; height: 28px; }
.thank-you h3 { color: var(--navy); margin-bottom: 0.6rem; }
.thank-you p  { color: #666; font-size: 0.92rem; }

.trust-row {
  display: flex;
  gap: 28px;
  flex-wrap: wrap;
  align-items: center;
  margin-top: 1.5rem;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.72);
}
.trust-check {
  width: 20px; height: 20px;
  border-radius: 50%;
  background: rgba(201,168,76,0.18);
  border: 1px solid rgba(201,168,76,0.4);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.65rem;
  color: var(--gold);
  flex-shrink: 0;
}

.module-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.module-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 28px;
  border-top: 3px solid var(--gold);
}
.module-card .mod-num {
  font-size: 0.7rem;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 0.5rem;
}
.module-card h4 { font-size: 0.98rem; margin-bottom: 0.4rem; }
.module-card p  { font-size: 0.85rem; color: #666; margin: 0; }

/* ── 21. Blog Filters ─────────────────────────────────────── */
.blog-filters { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 40px; }
.filter-btn {
  padding: 8px 18px;
  border-radius: 24px;
  border: 1.5px solid var(--border);
  background: transparent;
  font-family: var(--font-body);
  font-size: 0.82rem;
  font-weight: 500;
  color: var(--navy);
  cursor: pointer;
  transition: all var(--transition);
}
.filter-btn:hover,
.filter-btn.active {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}

/* ── 21b. Insights Coming Soon ────────────────────────────── */
.insights-coming-soon {
  text-align: center;
  max-width: 620px;
  margin: 0 auto;
  padding: 64px 40px;
  background: var(--warm-grey);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
}
.insights-coming-soon .coming-soon-icon {
  width: 64px;
  height: 64px;
  background: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 28px;
  color: var(--gold);
}
.insights-coming-soon h2 {
  font-size: 1.9rem;
  margin-bottom: 16px;
  color: var(--navy);
}
.insights-coming-soon p {
  color: #666;
  line-height: 1.7;
  margin-bottom: 32px;
}
.insights-coming-soon .coming-soon-actions {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

/* ── 22. Footer ───────────────────────────────────────────── */
.site-footer { background: var(--navy-dark); color: rgba(255,255,255,0.6); }

.footer-main { padding: 70px 0 40px; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.8fr 1fr 1fr 1fr;
  gap: 40px;
}

.footer-brand .logo-placeholder { margin-bottom: 18px; }
.footer-brand img.site-logo { height: 50px; width: auto; display: block; margin-bottom: 18px; }
.footer-tagline { font-size: 0.875rem; line-height: 1.75; margin-bottom: 20px; max-width: 260px; }

.social-links { display: flex; gap: 8px; }
.social-link {
  width: 34px; height: 34px;
  border-radius: 50%;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.6);
  font-size: 0.7rem;
  font-weight: 700;
  transition: all var(--transition);
}
.social-link:hover { background: var(--gold); border-color: var(--gold); color: var(--navy); }

.footer-col h5 {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 1.2rem;
}
.footer-links li { margin-bottom: 8px; }
.footer-links a  { font-size: 0.85rem; color: rgba(255,255,255,0.55); transition: color var(--transition); }
.footer-links a:hover { color: var(--gold); }

.footer-bottom { border-top: 1px solid rgba(255,255,255,0.07); padding: 26px 0; }
.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 20px;
  flex-wrap: wrap;
}
.footer-legal-links {
  display: flex;
  flex-wrap: wrap;
  gap: 6px 18px;
  margin-bottom: 16px;
  padding-bottom: 14px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-legal-links a {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.45);
  text-decoration: none;
  transition: color 0.2s;
}
.footer-legal-links a:hover { color: var(--gold); }
.footer-disclaimer { font-size: 0.72rem; color: rgba(255,255,255,0.35); max-width: 700px; line-height: 1.65; }
.footer-copy       { font-size: 0.75rem; color: rgba(255,255,255,0.3); white-space: nowrap; }
.adviser-ar-notice {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.5);
  margin: 6px 0 0;
  font-style: italic;
}
.adviser-ar-notice a { color: var(--gold); text-decoration: none; }
.adviser-ar-notice a:hover { text-decoration: underline; }

/* ── 23. Scroll Animations ────────────────────────────────── */
.fade-in {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.fade-in.visible { opacity: 1; transform: translateY(0); }
.delay-1 { transition-delay: 0.1s; }
.delay-2 { transition-delay: 0.2s; }
.delay-3 { transition-delay: 0.3s; }
.delay-4 { transition-delay: 0.4s; }
.delay-5 { transition-delay: 0.5s; }

/* ── 24. Utility ──────────────────────────────────────────── */
.divider { width: 48px; height: 3px; background: var(--gold); margin: 1.5rem 0; }
.divider-center { margin: 1.5rem auto; }

/* ── 26. Client Journey ───────────────────────────────────── */
.journey-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  margin-top: 52px;
  position: relative;
}
.journey-steps::before {
  content: '';
  position: absolute;
  top: 26px;
  left: calc(12.5% + 4px);
  right: calc(12.5% + 4px);
  height: 2px;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold-light));
  opacity: 0.25;
  pointer-events: none;
}
.journey-step { text-align: center; padding: 0 8px; }
.journey-step-num {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold);
  font-family: var(--font-heading);
  font-size: 1.2rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  position: relative;
  z-index: 1;
  box-shadow: 0 0 0 8px rgba(201,168,76,0.09);
}
.journey-step h4 {
  font-size: 1rem;
  font-weight: 600;
  font-family: var(--font-body);
  color: var(--navy);
  margin-bottom: 10px;
}
.journey-step p { font-size: 0.875rem; color: #666; line-height: 1.65; }
.journey-cta { text-align: center; margin-top: 52px; }

/* ── 27. Who We're For ─────────────────────────────────────── */
.fit-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  margin-top: 48px;
}
.fit-col {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px;
  border: 1px solid var(--border);
}
.fit-col--yes { border-top: 4px solid var(--gold); }
.fit-col--no  { border-top: 4px solid #e8b4b0; }
.fit-col-header {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 24px;
}
.fit-icon {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.fit-icon--yes { background: rgba(201,168,76,0.15); color: var(--gold-dark); }
.fit-icon--no  { background: rgba(192,57,43,0.1);   color: #c0392b; }
.fit-col-header h3 {
  font-size: 1.05rem;
  font-family: var(--font-body);
  font-weight: 600;
  color: var(--navy);
  line-height: 1.3;
  margin: 0;
}
.fit-list { list-style: none; padding: 0; margin: 0; }
.fit-list li {
  padding: 11px 0 11px 24px;
  position: relative;
  font-size: 0.9rem;
  color: #444;
  line-height: 1.5;
  border-bottom: 1px solid var(--border);
}
.fit-list li:last-child { border-bottom: none; }
.fit-col--yes .fit-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  top: 11px;
  color: var(--gold-dark);
  font-weight: 700;
}
.fit-col--no .fit-list li::before {
  content: '✕';
  position: absolute;
  left: 0;
  top: 11px;
  color: #c0392b;
  font-weight: 700;
}
.fit-col-note {
  font-size: 0.8rem;
  color: var(--mid-grey);
  font-style: italic;
  line-height: 1.6;
  margin: 20px 0 0;
  padding-top: 16px;
  border-top: 1px solid var(--border);
}

/* ── 28. Quiz CTA Strip ────────────────────────────────────── */
.quiz-cta-strip {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-light) 100%);
  padding: 64px 0;
  position: relative;
  overflow: hidden;
}
.quiz-cta-strip::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle at 20% 50%, rgba(201,168,76,0.06) 0%, transparent 60%),
                    radial-gradient(circle at 80% 50%, rgba(201,168,76,0.04) 0%, transparent 60%);
  pointer-events: none;
}
.quiz-cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 48px;
  position: relative;
  z-index: 1;
}
.quiz-cta-strip h2 { color: var(--white); font-size: 2rem; margin-bottom: 12px; line-height: 1.25; }
.quiz-cta-strip p  { color: rgba(255,255,255,0.72); font-size: 1rem; margin: 0; }

/* ── 29. Floating CTA ──────────────────────────────────────── */
.floating-cta {
  position: fixed;
  bottom: 28px;
  right: 28px;
  background: var(--navy);
  color: var(--gold);
  border: 2px solid var(--gold);
  border-radius: 50px;
  padding: 13px 22px;
  font-family: var(--font-body);
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 8px;
  box-shadow: 0 4px 24px rgba(27,43,75,0.4);
  z-index: 800;
  transform: translateY(80px);
  opacity: 0;
  pointer-events: none;
  transition: transform 0.4s cubic-bezier(0.34,1.56,0.64,1), opacity 0.35s ease,
              background 0.2s, color 0.2s;
}
.floating-cta.visible { transform: translateY(0); opacity: 1; pointer-events: auto; }
.floating-cta:hover   { background: var(--gold); color: var(--navy); text-decoration: none; }
.floating-cta svg     { width: 16px; height: 16px; flex-shrink: 0; }

/* ── 30. Quiz Page ─────────────────────────────────────────── */
.quiz-page-hero {
  background: var(--navy);
  padding: 52px 0 40px;
  text-align: center;
}
.quiz-page-hero .eyebrow { color: var(--gold-light); }
.quiz-page-hero h1 { color: var(--white); font-size: 2.2rem; margin-bottom: 14px; }
.quiz-page-hero p  { color: rgba(255,255,255,0.72); max-width: 540px; margin: 0 auto; font-size: 1rem; }

.quiz-wrap { max-width: 660px; margin: 0 auto; padding: 56px 24px 80px; }

.quiz-progress { margin-bottom: 40px; }
.quiz-progress-label {
  display: flex;
  justify-content: space-between;
  font-size: 0.78rem;
  color: var(--mid-grey);
  margin-bottom: 8px;
  font-weight: 500;
}
.quiz-progress-bar { height: 6px; background: var(--border); border-radius: 3px; overflow: hidden; }
.quiz-progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--navy), var(--gold));
  border-radius: 3px;
  transition: width 0.45s cubic-bezier(0.4,0,0.2,1);
  width: 0%;
}

.quiz-question { display: none; }
.quiz-question.active { display: block; animation: quizSlide 0.3s ease; }
@keyframes quizSlide {
  from { opacity: 0; transform: translateY(14px); }
  to   { opacity: 1; transform: translateY(0); }
}
.quiz-question h2 { font-size: 1.55rem; color: var(--navy); margin-bottom: 28px; line-height: 1.3; }

.quiz-options { display: flex; flex-direction: column; gap: 12px; }
.quiz-option {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 17px 20px;
  border: 2px solid var(--border);
  border-radius: var(--radius-md);
  cursor: pointer;
  background: var(--white);
  text-align: left;
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--navy);
  width: 100%;
  transition: all var(--transition);
}
.quiz-option:hover { border-color: var(--navy); background: var(--warm-grey); }
.quiz-option.selected { border-color: var(--gold); background: rgba(201,168,76,0.07); }
.quiz-option-letter {
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: var(--warm-grey);
  border: 1.5px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--mid-grey);
  flex-shrink: 0;
  transition: all var(--transition);
}
.quiz-option:hover .quiz-option-letter,
.quiz-option.selected .quiz-option-letter {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}
.quiz-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: 28px;
}
.quiz-back {
  background: none;
  border: none;
  color: var(--mid-grey);
  font-family: var(--font-body);
  font-size: 0.875rem;
  cursor: pointer;
  padding: 8px 0;
  display: flex;
  align-items: center;
  gap: 6px;
  transition: color var(--transition);
}
.quiz-back:hover { color: var(--navy); }

.quiz-result { display: none; }
.quiz-result.active { display: block; animation: quizSlide 0.4s ease; text-align: center; }

.result-icon {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
}
.result-icon.low    { background: #fde8e8; color: #c0392b; }
.result-icon.medium { background: rgba(201,168,76,0.15); color: var(--gold-dark); }
.result-icon.high   { background: #e8f8ee; color: #27ae60; }

.result-score-wrap { margin: 28px 0; }
.result-score-label {
  font-size: 0.78rem;
  color: var(--mid-grey);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 600;
  margin-bottom: 10px;
}
.result-bar {
  height: 10px;
  background: var(--border);
  border-radius: 5px;
  overflow: hidden;
  max-width: 380px;
  margin: 0 auto 14px;
}
.result-bar-fill {
  height: 100%;
  border-radius: 5px;
  width: 0;
  transition: width 1.1s cubic-bezier(0.22,1,0.36,1);
}
.result-bar-fill.low    { background: linear-gradient(90deg,#c0392b,#e74c3c); }
.result-bar-fill.medium { background: linear-gradient(90deg,var(--gold-dark),var(--gold)); }
.result-bar-fill.high   { background: linear-gradient(90deg,#27ae60,#2ecc71); }

.result-pct {
  font-family: var(--font-heading);
  font-size: 2.8rem;
  font-weight: 700;
  color: var(--navy);
  display: block;
}
.result-badge {
  display: inline-block;
  padding: 5px 16px;
  border-radius: 20px;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.03em;
  margin-bottom: 20px;
}
.result-badge.low    { background: #fde8e8; color: #c0392b; }
.result-badge.medium { background: rgba(201,168,76,0.15); color: var(--gold-dark); }
.result-badge.high   { background: #e8f8ee; color: #27ae60; }

.result-heading { font-size: 1.65rem; color: var(--navy); margin-bottom: 14px; }
.result-body {
  color: #555;
  line-height: 1.75;
  font-size: 0.95rem;
  max-width: 520px;
  margin: 0 auto 12px;
}
.result-cta-box {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 36px;
  margin-top: 36px;
  text-align: left;
}
.result-cta-box h3 { color: var(--white); font-size: 1.35rem; margin-bottom: 10px; }
.result-cta-box p  { color: rgba(255,255,255,0.72); font-size: 0.9rem; margin-bottom: 22px; }
.result-cta-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* ── 25. Responsive ───────────────────────────────────────── */
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: 1fr 1fr; }
  .grid-5 { grid-template-columns: repeat(3, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .lm-hero-inner { grid-template-columns: 1fr; }
  .adviser-body { grid-template-columns: 1fr; }
  .adviser-sidebar { position: static; }
  .adviser-hero-inner { grid-template-columns: 240px 1fr; gap: 40px; }
  .service-section-inner { gap: 48px; }
  .module-cards { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 1024px) {
  .journey-steps { grid-template-columns: repeat(2, 1fr); }
  .journey-steps::before { display: none; }
}

@media (max-width: 768px) {
  :root { --section-py: 60px; --nav-height: 68px; --tools-bar-height: 36px; }

  .nav-menu {
    display: none;
    position: absolute;
    top: var(--nav-height);
    left: 0; right: 0;
    background: var(--navy-dark);
    flex-direction: column;
    padding: 16px;
    gap: 2px;
    box-shadow: 0 10px 28px rgba(0,0,0,0.3);
  }
  .nav-menu.open { display: flex; }
  .nav-link { width: 100%; padding: 12px 14px; }
  .nav-cta { margin-left: 0; margin-top: 8px; }
  .nav-cta .btn { width: 100%; text-align: center; }
  .nav-toggle { display: flex; }

  .grid-2  { grid-template-columns: 1fr; }
  .grid-3  { grid-template-columns: 1fr; }
  .grid-4  { grid-template-columns: 1fr; }
  .grid-5  { grid-template-columns: 1fr 1fr; }

  .hero-actions { flex-direction: column; }
  .hero-actions .btn { text-align: center; }

  .service-section-inner { grid-template-columns: 1fr; gap: 36px; }
  .service-section:nth-child(even) .service-section-inner { direction: ltr; }

  .adviser-hero-inner { grid-template-columns: 1fr; }
  .adviser-photo { width: 100%; max-width: 220px; }
  img.adviser-photo { width: 100%; max-width: 220px; }

  .footer-grid { grid-template-columns: 1fr 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .lm-hero-inner { grid-template-columns: 1fr; }
  .module-cards { grid-template-columns: 1fr; }
  .lm-banner-inner { flex-direction: column; text-align: center; }
  .footer-bottom-inner { flex-direction: column; }
  .stats-bar .grid-4 { grid-template-columns: 1fr 1fr; }
  .fit-grid { grid-template-columns: 1fr; }
  .quiz-cta-inner { flex-direction: column; text-align: center; }
  .journey-steps { grid-template-columns: 1fr 1fr; gap: 24px; }
  .floating-cta { bottom: 16px; right: 16px; padding: 11px 18px; font-size: 0.82rem; }
  .result-cta-box { text-align: center; }
  .result-cta-actions { justify-content: center; }
}

@media (max-width: 480px) {
  .grid-5 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .stats-bar .grid-4 { grid-template-columns: 1fr 1fr; }
}

/* ── Accessibility ─────────────────────────────────────────── */
:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
  border-radius: 2px;
}

/* ── Disabled button state ─────────────────────────────────── */
.btn:disabled,
.btn[aria-disabled="true"] {
  opacity: 0.65;
  cursor: not-allowed;
  transform: none !important;
  box-shadow: none !important;
}

/* ── Service sub-nav strip ─────────────────────────────────── */
.service-subnav {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: calc(var(--nav-height) + var(--tools-bar-height));
  z-index: 100;
}

.service-subnav-nav {
  display: flex;
  justify-content: center;
  gap: 0;
  overflow-x: auto;
  scrollbar-width: none; /* Firefox */
}
.service-subnav-nav::-webkit-scrollbar { display: none; }

.service-subnav-link {
  padding: 16px 20px;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--navy);
  white-space: nowrap;
  border-bottom: 2px solid transparent;
  transition: color 0.2s, border-color 0.2s;
  text-decoration: none;
}
.service-subnav-link:hover,
.service-subnav-link:focus-visible {
  color: var(--gold);
  border-bottom-color: var(--gold);
  outline: none;
}

/* ── 32. Homepage Video Intro ──────────────────────────────── */

.video-intro-section {
  background: var(--warm-grey);
  padding: 72px 0;
  border-bottom: 1px solid var(--border);
}
.video-intro-wrap {
  max-width: 860px;
  margin: 0 auto;
  text-align: center;
}
.video-intro-header {
  margin-bottom: 36px;
}
.video-intro-header h2 {
  font-size: 2rem;
  margin-bottom: 12px;
}
.video-intro-header p {
  color: #555;
  max-width: 520px;
  margin: 0 auto;
  line-height: 1.7;
}
/* 16:9 responsive wrapper — works for both iframe and placeholder */
.video-embed-wrap {
  position: relative;
  width: 100%;
  padding-bottom: 56.25%;
  height: 0;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 12px 48px rgba(0,0,0,0.14);
}
.video-embed-wrap iframe,
.video-placeholder {
  position: absolute;
  top: 0; left: 0;
  width: 100%; height: 100%;
  border: 0;
}
/* Placeholder shown until real video is added */
.video-placeholder {
  background: linear-gradient(to bottom, rgba(10,26,66,0.55) 0%, rgba(10,26,66,0.75) 100%),
              url('images/adviser-1.jpg') center 15% / cover no-repeat;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 16px;
  cursor: default;
}
.video-play-ring {
  width: 80px; height: 80px;
  border-radius: 50%;
  border: 2px solid rgba(201,168,76,0.7);
  background: rgba(10,26,66,0.55);
  display: flex; align-items: center; justify-content: center;
  backdrop-filter: blur(2px);
}
.video-play-ring svg { margin-left: 4px; }
.video-placeholder-text {
  color: rgba(255,255,255,0.75);
  font-size: 0.82rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  text-shadow: 0 1px 4px rgba(0,0,0,0.5);
}

@media (max-width: 768px) {
  .video-intro-section { padding: 52px 0; }
  .video-intro-header h2 { font-size: 1.6rem; }
}

/* ── 31. Cashflow / Four Buckets Page ─────────────────────── */

/* Principle flow visual */
.principle-flow {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: 0 4px 32px rgba(0,0,0,0.08);
  padding: 40px 36px;
  border: 1px solid var(--border);
}
.pflow-income {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  background: var(--navy);
  color: var(--gold);
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 600;
  border-radius: var(--radius-md);
  padding: 16px 24px;
  margin-bottom: 0;
}
.pflow-connector {
  display: flex;
  justify-content: center;
  padding: 12px 0;
}
.pflow-buckets {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.pflow-bucket {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 18px;
  border-radius: var(--radius-md);
  background: var(--warm-grey);
  border: 1px solid var(--border);
}
.pflow-bucket strong {
  display: block;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy);
}
.pflow-bucket span {
  display: block;
  font-size: 0.76rem;
  color: #777;
  margin-top: 2px;
}
.pflow-dot {
  width: 14px; height: 14px;
  border-radius: 50%;
  flex-shrink: 0;
}
.pflow--debt  .pflow-dot { background: #e07b54; }
.pflow--super .pflow-dot { background: var(--navy); border: 2px solid #8fadd4; }
.pflow--invest .pflow-dot { background: var(--gold); }
.pflow--life  .pflow-dot { background: #5a9b78; }

/* 4-bucket intro cards */
.bucket-intro-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 52px;
}
.bucket-intro-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 32px 24px;
  border-top: 4px solid var(--border);
  box-shadow: 0 2px 16px rgba(0,0,0,0.06);
  transition: transform var(--transition), box-shadow var(--transition);
}
.bucket-intro-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 32px rgba(0,0,0,0.11);
}
.bucket--debt   { border-top-color: #e07b54; }
.bucket--super  { border-top-color: var(--navy); }
.bucket--invest { border-top-color: var(--gold); }
.bucket--life   { border-top-color: #5a9b78; }
.bucket-num-badge {
  width: 40px; height: 40px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading);
  font-size: 1.05rem; font-weight: 700;
  color: var(--white);
  margin-bottom: 16px;
}
.bucket--debt   .bucket-num-badge { background: #e07b54; }
.bucket--super  .bucket-num-badge { background: var(--navy); }
.bucket--invest .bucket-num-badge { background: var(--gold); color: var(--navy); }
.bucket--life   .bucket-num-badge { background: #5a9b78; }
.bucket-intro-card h3 { font-size: 1.05rem; margin-bottom: 12px; }
.bucket-intro-card p  { font-size: 0.85rem; color: #555; line-height: 1.7; margin: 0; }

/* Allocator wrapper */
.allocator-wrap {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: 0 4px 40px rgba(0,0,0,0.09);
  padding: 48px;
  margin-top: 52px;
  border: 1px solid var(--border);
}
.income-row {
  display: flex;
  align-items: center;
  gap: 20px;
  padding-bottom: 36px;
  border-bottom: 1px solid var(--border);
  margin-bottom: 40px;
  flex-wrap: wrap;
}
.income-row label {
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--navy);
  white-space: nowrap;
  min-width: 200px;
}
.income-row input[type=range] {
  flex: 1;
  min-width: 180px;
  accent-color: var(--gold);
  cursor: pointer;
}
.income-display {
  font-family: var(--font-heading);
  font-size: 1.7rem;
  font-weight: 700;
  color: var(--navy);
  min-width: 110px;
  text-align: right;
}

/* Tool two-column layout */
.tool-cols {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 52px;
  align-items: start;
}
.slider-groups { display: flex; flex-direction: column; gap: 28px; }
.slider-header {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 8px;
}
.slider-badge {
  width: 28px; height: 28px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.78rem; font-weight: 700;
  color: var(--white);
  flex-shrink: 0;
}
.badge--debt   { background: #e07b54; }
.badge--super  { background: var(--navy); }
.badge--invest { background: var(--gold); color: var(--navy); }
.badge--life   { background: #5a9b78; }
.slider-name   { font-weight: 600; font-size: 0.9rem; color: var(--navy); flex: 1; }
.slider-pct    { font-weight: 700; font-size: 1rem; color: var(--navy); min-width: 42px; text-align: right; }
.slider-group input[type=range] {
  width: 100%;
  accent-color: var(--gold);
  cursor: pointer;
  margin-bottom: 4px;
}
.slider-dollar { font-size: 0.8rem; color: #888; margin-top: 2px; }

.lifestyle-row {
  background: var(--warm-grey);
  border-radius: var(--radius-md);
  padding: 18px 20px;
  border: 1px dashed var(--border);
}
.lifestyle-row .slider-header { margin-bottom: 4px; }
.lifestyle-note    { font-size: 0.78rem; color: #999; margin-top: 6px; }
.lifestyle-warning { font-size: 0.78rem; color: #e07b54; font-weight: 600; margin-top: 6px; }

/* Preset buttons */
.preset-row {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 32px;
  flex-wrap: wrap;
}
.preset-label { font-size: 0.8rem; font-weight: 600; color: #999; }
.preset-btn {
  padding: 8px 18px;
  border: 2px solid var(--border);
  border-radius: 99px;
  background: var(--white);
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  transition: all 0.2s;
  font-family: var(--font-body);
}
.preset-btn:hover, .preset-btn.active {
  border-color: var(--gold);
  background: var(--gold);
  color: var(--navy);
}

/* Visual buckets */
.buckets-visual {
  display: flex;
  gap: 14px;
  align-items: flex-end;
  height: 300px;
}
.bucket-glass-wrap {
  display: flex;
  flex-direction: column;
  align-items: center;
  flex: 1;
  height: 100%;
}
.bucket-glass {
  flex: 1;
  width: 100%;
  background: #f0ede8;
  border-radius: 4px 4px 10px 10px;
  position: relative;
  overflow: hidden;
  border: 2px solid var(--border);
  max-width: 80px;
}
.bucket-liquid {
  position: absolute;
  bottom: 0; left: 0; right: 0;
  transition: height 0.5s cubic-bezier(0.34, 1.1, 0.64, 1);
  border-radius: 0 0 8px 8px;
}
.liquid--debt   { background: linear-gradient(180deg, #f09070, #e07b54); }
.liquid--super  { background: linear-gradient(180deg, #3a5080, var(--navy)); }
.liquid--invest { background: linear-gradient(180deg, #d9c070, var(--gold)); }
.liquid--life   { background: linear-gradient(180deg, #7ec499, #5a9b78); }
.bucket-label-below {
  font-size: 0.7rem;
  font-weight: 600;
  color: var(--navy);
  text-align: center;
  margin-top: 10px;
  line-height: 1.35;
}
.bucket-dollar-below {
  font-size: 0.68rem;
  color: #999;
  text-align: center;
  margin-top: 3px;
}
.alloc-total-row {
  text-align: center;
  margin-top: 24px;
  font-size: 0.82rem;
  font-weight: 600;
  color: #5a9b78;
}

/* Projection panel */
.projection-wrap {
  margin-top: 48px;
  background: linear-gradient(135deg, var(--navy) 0%, #1a2f5e 100%);
  border-radius: var(--radius-lg);
  padding: 48px;
  color: var(--white);
}
.projection-header { margin-bottom: 36px; }
.projection-header .eyebrow { color: var(--gold-light); }
.projection-header h2 { color: var(--white); margin-bottom: 8px; }
.projection-header p  { color: rgba(255,255,255,0.6); font-size: 0.85rem; max-width: 580px; margin: 0; }
.proj-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-bottom: 36px;
}
.proj-stat {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-md);
  padding: 24px 20px;
}
.proj-stat--total {
  background: rgba(201,168,76,0.15);
  border-color: rgba(201,168,76,0.3);
}
.proj-stat-label {
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  opacity: 0.6;
  margin-bottom: 10px;
}
.proj-stat-value {
  font-family: var(--font-heading);
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--gold-light);
}
.proj-total-value { font-size: 2rem; }
.proj-stat-sub { font-size: 0.72rem; opacity: 0.5; margin-top: 6px; }
.proj-bar-wrap {
  background: rgba(255,255,255,0.06);
  border-radius: var(--radius-md);
  padding: 28px 32px;
  margin-bottom: 28px;
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.proj-bar-item {}
.proj-bar-label {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  opacity: 0.7;
  margin-bottom: 8px;
}
.proj-bar-track {
  background: rgba(255,255,255,0.12);
  border-radius: 99px;
  height: 10px;
  overflow: hidden;
}
.proj-bar-fill {
  height: 100%;
  border-radius: 99px;
  transition: width 0.6s cubic-bezier(0.34, 1.1, 0.64, 1);
}
.fill--super  { background: linear-gradient(90deg, #6b8ec4, #a0bce0); }
.fill--invest { background: linear-gradient(90deg, var(--gold-dark), var(--gold)); }
.fill--debt   { background: linear-gradient(90deg, #c47060, #e09888); }
.proj-insight {
  background: rgba(201,168,76,0.12);
  border: 1px solid rgba(201,168,76,0.25);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  font-size: 0.87rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.82);
}
.proj-insight strong { color: var(--gold-light); }
.proj-disclaimer {
  font-size: 0.75rem;
  opacity: 0.45;
  margin-top: 20px;
  line-height: 1.6;
}
/* Year selector toggle */
.proj-header-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 24px;
  flex-wrap: wrap;
  margin-bottom: 36px;
}
.year-selector {
  display: flex;
  gap: 8px;
  flex-shrink: 0;
  margin-top: 4px;
}
.year-btn {
  padding: 8px 18px;
  border: 2px solid rgba(255,255,255,0.18);
  border-radius: 99px;
  background: transparent;
  color: rgba(255,255,255,0.55);
  font-size: 0.82rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s;
  font-family: var(--font-body);
}
.year-btn:hover {
  border-color: rgba(201,168,76,0.5);
  color: var(--gold-light);
}
.year-btn.active {
  border-color: var(--gold);
  background: rgba(201,168,76,0.15);
  color: var(--gold-light);
}
@media (max-width: 600px) {
  .proj-header-top { flex-direction: column; }
  .year-selector { margin-top: 0; }
}

/* Cashflow page responsive */
@media (max-width: 1100px) {
  .bucket-intro-grid { grid-template-columns: repeat(2, 1fr); }
  .proj-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .allocator-wrap { padding: 24px 18px; }
  .tool-cols { grid-template-columns: 1fr; }
  .buckets-visual { height: 200px; gap: 8px; }
  .bucket-label-below { font-size: 0.62rem; }
  .bucket-dollar-below { display: none; }
  .bucket-intro-grid { grid-template-columns: 1fr; }
  .proj-grid { grid-template-columns: 1fr 1fr; }
  .projection-wrap { padding: 28px 20px; }
  .proj-bar-wrap { padding: 20px 18px; }
  .income-row { gap: 12px; }
  .income-row label { min-width: unset; }
}

/* ── Reduced motion ────────────────────────────────────────── */
@media (prefers-reduced-motion: reduce) {
  .fade-in {
    transition: none;
    opacity: 1;
    transform: none;
  }
  html {
    scroll-behavior: auto;
  }
}