/* ============================================================
   Elijah's Planning Services — Design System v2
   Navy authority + signature warm gradient (red→orange→gold)
   Type: Fraunces (display) / Plus Jakarta Sans (UI) · liquid motion
   ============================================================ */

:root {
  --navy-900: #0A1F3A;
  --navy-800: #0E2A4E;
  --navy-700: #14365f;
  --navy-600: #1d4b7e;

  --red: #E1361F;
  --orange: #F2691B;
  --amber: #E8A23A;
  --warm-600: #D2491A;     /* solid CTA base */
  --warm-700: #B83C13;     /* CTA hover */
  --warm-50: #FDF1E7;      /* soft tint bg for icons */
  --warm-100: #FBE3D2;
  --gradient-warm: linear-gradient(135deg, #E8A23A 0%, #F2691B 50%, #E1361F 100%);
  --gradient-warm-soft: linear-gradient(135deg, #F2A65A, #EC5E2A);

  --gold: #C8A24B;
  --gold-soft: #eccf92;

  --ink: #11203A;
  --slate-700: #334155;
  --slate-600: #475569;
  --slate-500: #64748b;
  --slate-300: #cbd5e1;
  --slate-200: #e2e8f0;
  --slate-100: #f1f5f9;
  --slate-50: #f8fafc;
  --tint: #f5f7fb;
  --white: #ffffff;

  --radius: 16px;
  --radius-lg: 24px;
  --radius-sm: 10px;
  --shadow-sm: 0 1px 2px rgba(10,31,58,.06), 0 2px 8px rgba(10,31,58,.05);
  --shadow: 0 12px 34px -12px rgba(10,31,58,.20), 0 5px 14px -8px rgba(10,31,58,.12);
  --shadow-lg: 0 34px 64px -22px rgba(10,31,58,.40), 0 14px 30px -14px rgba(10,31,58,.24);
  --shadow-warm: 0 14px 30px -10px rgba(226,72,25,.45);
  --ring: 0 0 0 3px rgba(242,105,27,.40);

  --container: 1200px;
  --ease: cubic-bezier(.4, 0, .2, 1);

  --font-display: 'Fraunces', Georgia, serif;
  --font-sans: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; scroll-padding-top: 88px; }
body {
  margin: 0; font-family: var(--font-sans); font-size: 17px; line-height: 1.65;
  color: var(--ink); background: var(--white);
  -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility; overflow-x: hidden;
}
h1, h2, h3, h4 { margin: 0; line-height: 1.12; letter-spacing: -.02em; }
h1, h2, h3 { font-family: var(--font-display); font-weight: 600; }
p { margin: 0; }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
sup { font-size: .6em; }

.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: 820px; }

.skip-link { position: absolute; left: -999px; top: 0; z-index: 200; background: var(--warm-600); color: #fff; padding: 12px 18px; border-radius: 0 0 10px 0; font-weight: 600; }
.skip-link:focus { left: 0; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-family: var(--font-sans); font-size: 16px; font-weight: 600; line-height: 1;
  padding: 15px 24px; border-radius: var(--radius-sm); border: 1.5px solid transparent;
  cursor: pointer; white-space: nowrap; position: relative; overflow: hidden;
  transition: color .2s var(--ease), border-color .2s var(--ease), box-shadow .25s var(--ease), transform .08s var(--ease);
}
.btn:active { transform: translateY(1px); }
.btn-primary {
  color: #fff; background: var(--gradient-warm); background-size: 180% 180%; background-position: 0% 50%;
  box-shadow: var(--shadow-warm); transition: background-position .6s var(--ease), box-shadow .25s var(--ease), transform .08s var(--ease);
}
.btn-primary:hover { background-position: 100% 50%; box-shadow: 0 18px 36px -10px rgba(226,72,25,.6); }
.btn-ghost { background: rgba(255,255,255,.06); color: #fff; border-color: rgba(255,255,255,.28); }
.btn-ghost:hover { background: rgba(255,255,255,.14); border-color: rgba(255,255,255,.55); }
.btn-ghost-dark { background: transparent; color: var(--navy-800); border-color: var(--slate-300); }
.btn-ghost-dark:hover { border-color: var(--warm-600); color: var(--warm-700); background: var(--warm-50); }
.btn-lg { font-size: 17px; padding: 18px 30px; }
.btn-sm { font-size: 15px; padding: 11px 19px; }
.btn-block { width: 100%; }
.btn:focus-visible { outline: none; box-shadow: var(--ring); }

/* ---------- Utility bar ---------- */
.utility-bar { background: var(--navy-900); color: rgba(255,255,255,.82); font-size: 13.5px; border-bottom: 1px solid rgba(255,255,255,.08); }
.utility-inner { display: flex; align-items: center; justify-content: space-between; height: 40px; }
.utility-left { display: flex; align-items: center; gap: 8px; color: rgba(255,255,255,.72); }
.utility-left svg { color: var(--amber); flex: none; }
.utility-phone { display: inline-flex; align-items: center; gap: 7px; font-weight: 600; color: #fff; }
.utility-phone svg { color: var(--orange); }
.utility-phone:hover { color: var(--amber); }
@media (max-width: 620px) { .utility-left span { display: none; } .utility-inner { justify-content: center; } }

/* ---------- Navbar ---------- */
.nav { position: sticky; top: 0; z-index: 100; background: rgba(255,255,255,.86); backdrop-filter: saturate(180%) blur(14px); border-bottom: 1px solid var(--slate-200); }
.nav-inner { display: flex; align-items: center; gap: 24px; height: 74px; }
.brand { display: flex; align-items: center; gap: 12px; margin-right: auto; }
.brand-mark { width: 44px; height: 44px; flex: none; display: grid; place-items: center; }
.brand-mark svg { display: block; }
.brand-text { display: flex; flex-direction: column; line-height: 1.12; }
.brand-text strong { font-family: var(--font-display); font-size: 18px; font-weight: 600; color: var(--navy-900); letter-spacing: -.01em; }
.brand-text em { font-style: normal; font-size: 11.5px; color: var(--slate-500); letter-spacing: .12em; text-transform: uppercase; }
.nav-links { display: flex; align-items: center; gap: 30px; }
.nav-links a { font-size: 15.5px; font-weight: 500; color: var(--slate-700); transition: color .2s var(--ease); position: relative; }
.nav-links a::after { content: ""; position: absolute; left: 0; bottom: -7px; height: 2px; width: 0; background: var(--gradient-warm); transition: width .25s var(--ease); }
.nav-links a:hover { color: var(--navy-900); }
.nav-links a:hover::after { width: 100%; }
.nav-toggle { display: none; background: none; border: none; color: var(--navy-900); cursor: pointer; padding: 6px; }
.mobile-menu { display: none; flex-direction: column; gap: 4px; padding: 12px 24px 20px; border-bottom: 1px solid var(--slate-200); background: #fff; }
.mobile-menu a { padding: 13px 4px; font-weight: 500; color: var(--slate-700); border-bottom: 1px solid var(--slate-100); }
.mobile-menu a.btn { margin-top: 12px; color: #fff; border: none; justify-content: center; }
@media (max-width: 920px) {
  .nav-links, .nav-cta { display: none; }
  .nav-toggle { display: block; }
  .mobile-menu { display: flex; }
  .mobile-menu[hidden] { display: none; }
}

/* ---------- Eyebrow ---------- */
.eyebrow { display: inline-block; font-family: var(--font-sans); font-size: 13px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-soft); margin-bottom: 18px; }
.eyebrow-dark { color: var(--warm-600); }

/* ---------- Liquid blobs ---------- */
.blob { position: absolute; border-radius: 42% 58% 63% 37% / 42% 45% 55% 58%; filter: blur(2px); will-change: transform, border-radius; }
@keyframes blobMorph {
  0%,100% { border-radius: 42% 58% 63% 37% / 42% 45% 55% 58%; transform: rotate(0deg) scale(1); }
  33% { border-radius: 60% 40% 38% 62% / 52% 58% 42% 48%; transform: rotate(6deg) scale(1.04); }
  66% { border-radius: 38% 62% 56% 44% / 60% 38% 62% 40%; transform: rotate(-5deg) scale(.98); }
}
@keyframes floaty { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-14px); } }
@keyframes floatySm { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-9px); } }

/* ---------- Hero ---------- */
.hero { position: relative; background: var(--navy-900); color: #fff; overflow: hidden; padding-bottom: 40px; }
.hero-bg { position: absolute; inset: 0; pointer-events: none; background: radial-gradient(900px 600px at 80% -15%, rgba(242,105,27,.20), transparent 60%), radial-gradient(700px 600px at 5% 120%, rgba(29,75,126,.5), transparent 55%), linear-gradient(180deg, var(--navy-900), #081729); }
.hero-bg::after { content: ""; position: absolute; inset: 0; background-image: linear-gradient(rgba(255,255,255,.03) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.03) 1px, transparent 1px); background-size: 50px 50px; mask-image: radial-gradient(700px 460px at 72% 28%, #000, transparent 75%); }
.hero-bg .blob-1 { width: 420px; height: 420px; right: -60px; top: 40px; background: var(--gradient-warm); opacity: .26; animation: blobMorph 16s var(--ease) infinite; }
.hero-bg .blob-2 { width: 320px; height: 320px; right: 220px; bottom: -40px; background: linear-gradient(135deg, var(--amber), var(--orange)); opacity: .14; animation: blobMorph 20s var(--ease) infinite reverse; }
.hero-grid { position: relative; display: grid; grid-template-columns: 1.08fr .92fr; gap: 48px; align-items: center; padding: 76px 24px 56px; }
.hero-copy { max-width: 600px; }
.hero h1 { font-family: var(--font-display); font-size: clamp(42px, 5.8vw, 66px); font-weight: 600; letter-spacing: -.03em; }
.hero h1 .hl { background: var(--gradient-warm); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hero-sub { margin-top: 22px; font-size: clamp(17px, 2vw, 19px); line-height: 1.6; color: rgba(255,255,255,.80); max-width: 540px; }
.hero-actions { margin-top: 32px; display: flex; flex-wrap: wrap; gap: 14px; }
.hero-trust { list-style: none; margin: 34px 0 0; padding: 0; display: flex; flex-wrap: wrap; gap: 12px 22px; }
.hero-trust li { display: inline-flex; align-items: center; gap: 9px; font-size: 14.5px; font-weight: 500; color: rgba(255,255,255,.85); }
.hero-trust svg { color: var(--amber); flex: none; }

/* Hero photo */
.hero-media { position: relative; justify-self: center; width: 100%; max-width: 440px; animation: floaty 7s var(--ease) infinite; }
.hero-photo-frame { position: relative; border-radius: 30px 30px 30px 64px; overflow: hidden; box-shadow: var(--shadow-lg); border: 1px solid rgba(255,255,255,.14); z-index: 2; }
.hero-photo-frame img { width: 100%; height: auto; display: block; }
.hero-photo-glow { position: absolute; inset: 0; background: linear-gradient(180deg, transparent 55%, rgba(10,31,58,.4)); pointer-events: none; }
.float-badge { position: absolute; z-index: 3; background: rgba(255,255,255,.92); backdrop-filter: blur(8px); border: 1px solid rgba(255,255,255,.6); border-radius: 16px; box-shadow: var(--shadow); padding: 14px 18px; display: flex; align-items: center; gap: 12px; }
.float-badge-tl { top: 22px; left: -26px; flex-direction: column; align-items: flex-start; gap: 0; animation: floatySm 5.5s var(--ease) infinite; }
.float-badge-br { bottom: 34px; right: -28px; animation: floatySm 6.5s var(--ease) infinite reverse; }
.fb-num { font-family: var(--font-display); font-size: 26px; font-weight: 700; color: var(--warm-700); letter-spacing: -.02em; line-height: 1; }
.fb-num-sm { font-size: 14px; font-weight: 700; color: var(--navy-900); display: block; line-height: 1.1; }
.fb-label { font-size: 11.5px; color: var(--slate-600); margin-top: 3px; display: block; }
.fb-icon { width: 38px; height: 38px; border-radius: 10px; display: grid; place-items: center; background: var(--warm-50); color: var(--warm-600); flex: none; }
.hero-wave { position: relative; line-height: 0; margin-top: 14px; }
.hero-wave svg { width: 100%; height: 64px; display: block; }
@media (max-width: 920px) {
  .hero-grid { grid-template-columns: 1fr; gap: 36px; padding: 56px 24px 30px; text-align: center; }
  .hero-copy { max-width: none; }
  .hero-sub { margin-left: auto; margin-right: auto; }
  .hero-actions, .hero-trust { justify-content: center; }
  .hero-media { max-width: 360px; }
  .float-badge-tl { left: -10px; }
  .float-badge-br { right: -10px; }
}
@media (max-width: 480px) {
  .float-badge-tl { left: 6px; top: 12px; padding: 10px 13px; }
  .float-badge-br { right: 6px; bottom: 18px; padding: 10px 13px; }
  .fb-num { font-size: 22px; }
}

/* ---------- Trust bar ---------- */
.trust { background: var(--navy-800); color: #fff; padding: 46px 0; border-top: 1px solid rgba(255,255,255,.07); }
.trust-lead { text-align: center; font-size: 15px; color: rgba(255,255,255,.72); }
.trust-lead strong { color: var(--gold-soft); }
.trust-stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin: 26px 0 18px; }
.stat { text-align: center; padding: 0 8px; border-right: 1px solid rgba(255,255,255,.1); }
.stat:last-child { border-right: none; }
.stat-num { display: block; font-family: var(--font-display); font-size: clamp(30px, 4vw, 44px); font-weight: 700; color: #fff; letter-spacing: -.03em; font-variant-numeric: tabular-nums; line-height: 1; }
.stat-label { display: block; margin-top: 10px; font-size: 13.5px; color: rgba(255,255,255,.66); line-height: 1.35; }
.trust-foot { text-align: center; font-size: 12.5px; color: rgba(255,255,255,.45); margin-top: 8px; }
@media (max-width: 760px) { .trust-stats { grid-template-columns: 1fr 1fr; gap: 28px 12px; } .stat:nth-child(2) { border-right: none; } }

/* ---------- Sections ---------- */
.section { padding: 94px 0; }
.section-tint { background: var(--tint); }
.section-head { max-width: 700px; margin: 0 auto 56px; text-align: center; }
.section-head h2 { font-size: clamp(31px, 4vw, 44px); font-weight: 600; color: var(--navy-900); }
.section-head p { margin-top: 16px; font-size: 18px; color: var(--slate-600); line-height: 1.55; }
.section-head-light h2 { color: #fff; }
.section-head-light p { color: rgba(255,255,255,.74); }

/* ---------- Service cards ---------- */
.cards-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.card { background: #fff; border: 1px solid var(--slate-200); border-radius: var(--radius); padding: 32px 26px; box-shadow: var(--shadow-sm); transition: transform .25s var(--ease), box-shadow .25s var(--ease), border-color .25s var(--ease); }
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: var(--warm-100); }
.card-icon { width: 56px; height: 56px; border-radius: 14px; display: grid; place-items: center; margin-bottom: 20px; background: var(--warm-50); color: var(--warm-600); }
.card h3 { font-size: 20px; font-weight: 600; color: var(--navy-900); margin-bottom: 10px; }
.card p { font-size: 15px; color: var(--slate-600); line-height: 1.55; }
.card-feature { background: linear-gradient(160deg, var(--navy-800), var(--navy-900)); border-color: var(--navy-700); color: #fff; position: relative; overflow: hidden; }
.card-feature::before { content: ""; position: absolute; width: 220px; height: 220px; right: -70px; top: -70px; background: var(--gradient-warm); opacity: .22; border-radius: 50%; filter: blur(6px); }
.card-feature h3 { color: #fff; }
.card-feature p { color: rgba(255,255,255,.80); }
.card-feature .card-icon { background: rgba(242,105,27,.18); color: var(--amber); }
.card-link { display: inline-flex; margin-top: 16px; font-size: 15px; font-weight: 600; color: var(--amber); position: relative; }
.card-link:hover { color: var(--gold-soft); }

/* ---------- Lead section ---------- */
.lead-section { padding: 88px 0; background: linear-gradient(180deg, #fff, var(--tint)); }
.lead-section-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.lead-section-grid > * { min-width: 0; }
.field-row { min-width: 0; }
.field input, .field select { min-width: 0; }
.lead-pitch h2 { font-size: clamp(28px, 3.4vw, 38px); font-weight: 600; color: var(--navy-900); margin-top: 4px; }
.lead-pitch > p { margin-top: 16px; font-size: 17.5px; color: var(--slate-600); line-height: 1.6; }
.lead-benefits { list-style: none; margin: 26px 0 0; padding: 0; display: flex; flex-direction: column; gap: 14px; }
.lead-benefits li { display: flex; align-items: flex-start; gap: 12px; font-size: 16px; font-weight: 500; color: var(--navy-800); }
.lead-benefits svg { color: #fff; background: var(--gradient-warm); border-radius: 50%; padding: 4px; flex: none; box-shadow: var(--shadow-warm); }
.lead-pitch-foot { display: flex; align-items: center; gap: 14px; margin-top: 30px; padding-top: 22px; border-top: 1px solid var(--slate-200); }
.pitch-avatar { width: 56px; height: 56px; border-radius: 50%; object-fit: cover; border: 2px solid #fff; box-shadow: var(--shadow); }
.lead-pitch-foot strong { display: block; font-size: 16px; color: var(--navy-900); font-family: var(--font-display); }
.lead-pitch-foot span { font-size: 14px; color: var(--slate-600); }

.lead-card { background: #fff; color: var(--ink); border-radius: var(--radius-lg); padding: 32px; box-shadow: var(--shadow-lg); border: 1px solid var(--slate-200); }
.lead-head h3 { font-size: 24px; font-weight: 600; color: var(--navy-900); }
.lead-head p { margin-top: 8px; font-size: 14.5px; color: var(--slate-600); line-height: 1.5; }
.lead-form { margin-top: 22px; display: flex; flex-direction: column; gap: 14px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.field label { font-size: 13px; font-weight: 600; color: var(--slate-700); }
.field input, .field select { font-family: inherit; font-size: 15.5px; color: var(--ink); background: var(--slate-50); border: 1.5px solid var(--slate-200); border-radius: var(--radius-sm); padding: 13px; width: 100%; transition: border-color .18s var(--ease), box-shadow .18s var(--ease), background-color .18s var(--ease); }
.field input:focus, .field select:focus { outline: none; border-color: var(--orange); background: #fff; box-shadow: var(--ring); }
.field select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%2364748b' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 13px center; padding-right: 38px; cursor: pointer; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: 12.5px; color: var(--slate-600); line-height: 1.45; cursor: pointer; }
.consent input { margin-top: 2px; width: 17px; height: 17px; accent-color: var(--warm-600); flex: none; cursor: pointer; }
.captcha { min-height: 0; display: flex; justify-content: center; }
.captcha:empty { display: none; }
.captcha-hint { font-size: 12.5px; color: var(--red); font-weight: 600; margin: -4px 0 0; }
.lead-foot { display: flex; align-items: center; gap: 7px; font-size: 12.5px; color: var(--slate-500); margin-top: 2px; }
.lead-foot svg { color: var(--warm-600); flex: none; }
.hidden-field { position: absolute; left: -9999px; visibility: hidden; }
@media (max-width: 880px) { .lead-section-grid { grid-template-columns: 1fr; gap: 36px; } }

/* ---------- Risk grid ---------- */
.risk-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.risk { background: #fff; border: 1px solid var(--slate-200); border-top: 3px solid transparent; border-image: var(--gradient-warm) 1; border-radius: var(--radius); padding: 32px 28px; box-shadow: var(--shadow-sm); transition: transform .25s var(--ease), box-shadow .25s var(--ease); }
.risk { border-top: 3px solid var(--orange); }
.risk:hover { transform: translateY(-5px); box-shadow: var(--shadow); }
.risk-tag { font-size: 13px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--warm-600); }
.risk h3 { font-size: 23px; font-weight: 600; color: var(--navy-900); margin: 12px 0; }
.risk p { font-size: 15.5px; color: var(--slate-600); line-height: 1.6; }
.risk em { font-style: italic; color: var(--navy-700); font-weight: 500; }
.insight-row { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; margin-top: 30px; }
.insight { background: var(--navy-900); color: #fff; border-radius: var(--radius); padding: 36px 32px; display: flex; flex-direction: column; gap: 14px; }
.insight-accent { background: var(--gradient-warm); }
.insight-num { font-family: var(--font-display); font-size: clamp(34px, 5vw, 50px); font-weight: 700; letter-spacing: -.03em; color: #fff; font-variant-numeric: tabular-nums; }
.insight-num span { font-size: 18px; font-weight: 500; color: rgba(255,255,255,.78); letter-spacing: 0; }
.insight p { font-size: 15.5px; color: rgba(255,255,255,.85); line-height: 1.55; }
.insight p strong { color: #fff; }
.disclaimer-inline { margin-top: 26px; font-size: 12.5px; color: var(--slate-500); line-height: 1.5; max-width: 920px; }

/* ---------- Phases ---------- */
.phases { display: grid; grid-template-columns: 1fr auto 1fr auto 1fr; align-items: stretch; gap: 14px; }
.phase { background: #fff; border: 1px solid var(--slate-200); border-radius: var(--radius); padding: 32px 26px; box-shadow: var(--shadow-sm); }
.phase-age { display: inline-block; font-size: 12.5px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--warm-700); background: var(--warm-50); padding: 5px 11px; border-radius: 100px; margin-bottom: 14px; }
.phase h3 { font-size: 22px; font-weight: 600; color: var(--navy-900); margin-bottom: 10px; }
.phase p { font-size: 14.5px; color: var(--slate-600); line-height: 1.55; }
.phase-arrow { display: grid; place-items: center; color: var(--orange); }
@media (max-width: 860px) { .phases { grid-template-columns: 1fr; } .phase-arrow { transform: rotate(90deg); padding: 4px 0; } }

/* ---------- Process (navy) ---------- */
.section-navy { background: var(--navy-900); color: #fff; position: relative; overflow: hidden; }
.section-navy::before { content: ""; position: absolute; inset: 0; pointer-events: none; background: radial-gradient(800px 460px at 85% 0%, rgba(242,105,27,.16), transparent 60%); }
.steps { position: relative; display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.step { background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.1); border-radius: var(--radius); padding: 32px 26px; transition: border-color .25s var(--ease), background-color .25s var(--ease), transform .25s var(--ease); }
.step:hover { border-color: rgba(242,105,27,.5); background: rgba(255,255,255,.06); transform: translateY(-4px); }
.step-num { width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center; margin-bottom: 18px; background: var(--gradient-warm); color: #fff; font-family: var(--font-display); font-weight: 700; font-size: 20px; box-shadow: var(--shadow-warm); }
.step h3 { font-size: 19px; font-weight: 600; color: #fff; margin-bottom: 9px; }
.step p { font-size: 14.5px; color: rgba(255,255,255,.74); line-height: 1.55; }
@media (max-width: 920px) { .steps { grid-template-columns: 1fr 1fr; } }
@media (max-width: 540px) { .steps { grid-template-columns: 1fr; } .cards-4, .risk-grid, .insight-row { grid-template-columns: 1fr !important; } }

/* ---------- About ---------- */
.about-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 60px; align-items: center; }
.about-media { position: relative; }
.about-photo { position: relative; aspect-ratio: 1 / 1; border-radius: 28px 28px 28px 70px; overflow: hidden; box-shadow: var(--shadow-lg); border: 1px solid var(--slate-200); z-index: 2; }
.about-photo img { width: 100%; height: 100%; object-fit: cover; }
.blob-about { width: 90%; height: 90%; left: -8%; bottom: -10%; background: var(--gradient-warm); opacity: .16; z-index: 1; animation: blobMorph 18s var(--ease) infinite; }
.about-badge { position: absolute; right: -14px; bottom: -18px; z-index: 3; background: #fff; border-radius: var(--radius); padding: 16px 20px; box-shadow: var(--shadow); border: 1px solid var(--slate-200); display: flex; flex-direction: column; gap: 2px; }
.about-badge strong { font-family: var(--font-display); font-size: 24px; color: var(--warm-700); font-weight: 700; letter-spacing: -.02em; }
.about-badge span { font-size: 12.5px; color: var(--slate-600); max-width: 160px; line-height: 1.35; }
.about-copy h2 { font-size: clamp(32px, 4vw, 46px); font-weight: 600; color: var(--navy-900); }
.about-title { margin: 10px 0 20px; font-size: 16px; font-weight: 600; color: var(--warm-700); }
.about-copy > p { font-size: 16.5px; color: var(--slate-600); line-height: 1.65; margin-bottom: 16px; }
.creds { list-style: none; margin: 24px 0 30px; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.creds li { display: flex; align-items: center; gap: 10px; font-size: 15px; font-weight: 500; color: var(--navy-800); }
.creds svg { color: var(--warm-600); flex: none; }
.about-actions { display: flex; flex-wrap: wrap; gap: 14px; }
@media (max-width: 860px) { .about-grid { grid-template-columns: 1fr; gap: 60px; } .about-media { max-width: 380px; margin: 0 auto; } .creds { grid-template-columns: 1fr; } }

/* ---------- Quotes ---------- */
.quotes { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.quote { background: #fff; border: 1px solid var(--slate-200); border-radius: var(--radius); padding: 32px 28px; margin: 0; box-shadow: var(--shadow-sm); display: flex; flex-direction: column; gap: 14px; }
.stars { color: var(--orange); font-size: 18px; letter-spacing: 2px; }
.quote blockquote { margin: 0; font-size: 16px; line-height: 1.6; color: var(--slate-700); font-family: var(--font-display); font-weight: 500; }
.quote figcaption { display: flex; flex-direction: column; gap: 2px; margin-top: auto; }
.q-name { font-size: 14.5px; font-weight: 600; color: var(--navy-900); }
.q-meta { font-size: 12px; color: var(--slate-500); }
@media (max-width: 860px) { .quotes { grid-template-columns: 1fr; } }

/* ---------- FAQ ---------- */
.faq { display: flex; flex-direction: column; gap: 12px; }
.faq details { background: #fff; border: 1px solid var(--slate-200); border-radius: var(--radius-sm); padding: 4px 22px; transition: border-color .2s var(--ease), box-shadow .2s var(--ease); }
.faq details[open] { border-color: var(--warm-100); box-shadow: var(--shadow-sm); }
.faq summary { list-style: none; cursor: pointer; font-family: var(--font-display); font-size: 18px; font-weight: 600; color: var(--navy-900); padding: 18px 0; display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq-icon { position: relative; width: 18px; height: 18px; flex: none; }
.faq-icon::before, .faq-icon::after { content: ""; position: absolute; background: var(--warm-600); border-radius: 2px; transition: transform .25s var(--ease); }
.faq-icon::before { top: 8px; left: 0; width: 18px; height: 2.5px; }
.faq-icon::after { top: 0; left: 8px; width: 2.5px; height: 18px; }
.faq details[open] .faq-icon::after { transform: rotate(90deg); opacity: 0; }
.faq details p { padding: 0 0 20px; font-size: 15.5px; color: var(--slate-600); line-height: 1.6; }

/* ---------- Final CTA ---------- */
.final-cta { background: linear-gradient(160deg, var(--navy-800), var(--navy-900)); color: #fff; padding: 92px 0; position: relative; overflow: hidden; }
.final-cta::before { content: ""; position: absolute; inset: 0; background: radial-gradient(700px 420px at 90% 110%, rgba(242,105,27,.20), transparent 60%); pointer-events: none; }
.final-cta-inner { position: relative; display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.final-cta-copy h2 { font-size: clamp(31px, 4vw, 44px); font-weight: 600; color: #fff; }
.final-cta-copy p { margin-top: 16px; font-size: 18px; color: rgba(255,255,255,.80); line-height: 1.6; max-width: 460px; }
.contact-list { list-style: none; margin: 32px 0 0; padding: 0; display: flex; flex-direction: column; gap: 18px; }
.contact-list li { display: flex; align-items: center; gap: 14px; }
.contact-list svg { color: var(--amber); flex: none; }
.contact-list div { display: flex; flex-direction: column; }
.contact-list div span:first-child { font-size: 12.5px; text-transform: uppercase; letter-spacing: .06em; color: rgba(255,255,255,.5); }
.contact-list a, .contact-list div span:last-child { font-size: 16.5px; font-weight: 600; color: #fff; }
.contact-list a:hover { color: var(--amber); }
.lead-card-light { background: #fff; }
@media (max-width: 880px) { .final-cta-inner { grid-template-columns: 1fr; gap: 40px; } }

/* ---------- Footer ---------- */
.footer { background: #07182c; color: rgba(255,255,255,.7); padding: 66px 0 36px; font-size: 14.5px; }
.footer-top { display: grid; grid-template-columns: 1.6fr 1fr 1.2fr; gap: 40px; padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,.1); }
.brand-light .brand-text strong { color: #fff; }
.brand-light .brand-text em { color: rgba(255,255,255,.5); }
.footer-brand p { margin: 18px 0 14px; max-width: 320px; line-height: 1.6; color: rgba(255,255,255,.6); }
.footer-official { color: var(--amber); font-weight: 600; }
.footer-official:hover { color: var(--gold-soft); }
.footer-nav, .footer-contact { display: flex; flex-direction: column; gap: 12px; }
.footer h4 { font-size: 13px; text-transform: uppercase; letter-spacing: .1em; color: rgba(255,255,255,.45); font-weight: 700; margin-bottom: 4px; }
.footer-nav a, .footer-contact a { color: rgba(255,255,255,.7); transition: color .2s var(--ease); }
.footer-nav a:hover, .footer-contact a:hover { color: #fff; }
.footer-contact span { color: rgba(255,255,255,.6); line-height: 1.5; }
.footer-disclosures { padding: 32px 0; border-bottom: 1px solid rgba(255,255,255,.1); }
.footer-disclosures h4 { margin-bottom: 16px; }
.footer-disclosures p { font-size: 12.5px; line-height: 1.6; color: rgba(255,255,255,.5); margin-bottom: 14px; }
.footer-disclosures strong { color: rgba(255,255,255,.72); font-weight: 600; }
.footer-disclaimer { padding: 26px 0 4px; }
.footer-disclaimer p { font-size: 12px; line-height: 1.6; color: rgba(255,255,255,.42); margin-bottom: 12px; }
.footer-bottom { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; padding-top: 28px; font-size: 12.5px; color: rgba(255,255,255,.45); }
@media (max-width: 820px) { .footer-top { grid-template-columns: 1fr 1fr; } .footer-brand { grid-column: 1 / -1; } }
@media (max-width: 520px) { .footer-top { grid-template-columns: 1fr; } }

/* ---------- Motion / reveal ---------- */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .6s var(--ease), transform .6s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; }
  .reveal { opacity: 1; transform: none; }
  .hero-media, .blob, .float-badge { animation: none !important; }
}