/* ============================================================
   RAINSTONE MONEY — Master Stylesheet
   Design System: Refined British Luxury
   Typography: Playfair Display (display) + DM Sans (body)
   ============================================================ */

/* ---------- DESIGN TOKENS ---------- */
:root {
    --navy-dark:    #0B1D3A;
    --navy-deep:    #071428;
    --navy-mid:     #1A3A5C;
    --navy-soft:    #2A4A6C;
    --gold:         #C9A84C;
    --gold-light:   #D4B96A;
    --gold-muted:   rgba(201,168,76,.12);
    --gold-glow:    rgba(201,168,76,.08);
    --cream:        #F5F2EB;
    --cream-light:  #FAF8F4;
    --off-white:    #FAFAF7;
    --white:        #FFFFFF;
    --text-dark:    #1A1A1A;
    --text-body:    #4A4A4A;
    --text-muted:   #8A8A8A;
    --shadow-sm:    0 2px 8px rgba(0,0,0,.04);
    --shadow-md:    0 4px 24px rgba(0,0,0,.06);
    --shadow-lg:    0 12px 48px rgba(0,0,0,.1);
    --shadow-glow:  0 0 60px rgba(201,168,76,.06);
    --radius-sm:    8px;
    --radius-md:    14px;
    --radius-lg:    20px;
    --radius-xl:    24px;
    --ease-out:     cubic-bezier(.23,1,.32,1);
    --ease-spring:  cubic-bezier(.34,1.56,.64,1);
    --font-display: 'Playfair Display', Georgia, serif;
    --font-body:    'DM Sans', system-ui, -apple-system, sans-serif;
    --transition:   .4s var(--ease-out);
}

/* ---------- RESET & BASE ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0 }
html { scroll-behavior: smooth; font-size: 16px }
body {
    font-family: var(--font-body);
    color: var(--text-dark);
    background: var(--white);
    line-height: 1.7;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}
img { max-width: 100%; display: block }
a { color: inherit; text-decoration: none; transition: color var(--transition) }
ul { list-style: none }
button { cursor: pointer; border: none; background: none; font-family: inherit }
input, textarea, select { font-family: inherit; font-size: inherit }

/* ---------- SCROLL PROGRESS ---------- */
.scroll-progress {
    position: fixed;
    top: 0;
    left: 0;
    height: 3px;
    width: 0%;
    background: linear-gradient(90deg, var(--gold), var(--gold-light), var(--gold));
    z-index: 9999;
    transition: none;
    box-shadow: 0 0 10px rgba(201,168,76,.4);
}

/* ---------- UTILITIES ---------- */
.container { width: 100%; max-width: 1280px; margin: 0 auto; padding: 0 24px }
.text-accent { color: var(--gold) }

.section-label {
    font-size: .75rem;
    letter-spacing: 4px;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 600;
    margin-bottom: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 14px;
}
.section-label::before,
.section-label::after {
    content: '';
    width: 28px;
    height: 1.5px;
    background: var(--gold);
    opacity: .5;
}

.section-title {
    font-family: var(--font-display);
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 700;
    margin-bottom: 16px;
    line-height: 1.15;
    letter-spacing: -0.01em;
}
.section-subtitle { color: var(--text-body); max-width: 620px; margin: 0 auto 48px; font-size: .95rem }
.section-cta { text-align: center; margin-top: 48px }

/* ---------- BUTTONS ---------- */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-weight: 600;
    font-size: .92rem;
    border-radius: var(--radius-sm);
    transition: all var(--transition);
    cursor: pointer;
    white-space: nowrap;
    position: relative;
    letter-spacing: .01em;
}
.btn i { font-size: .78rem; transition: transform .3s var(--ease-out) }
.btn:hover i { transform: translateX(4px) }

.btn-primary {
    background: var(--navy-dark);
    color: var(--white);
    padding: 14px 32px;
    border: 2px solid var(--navy-dark);
}
.btn-primary:hover {
    background: var(--navy-mid);
    border-color: var(--navy-mid);
    transform: translateY(-2px);
    box-shadow: 0 6px 24px rgba(11,29,58,.25);
}

.btn-secondary {
    background: var(--gold);
    color: var(--navy-dark);
    padding: 14px 32px;
    border: 2px solid var(--gold);
}
.btn-secondary:hover {
    background: var(--gold-light);
    border-color: var(--gold-light);
    transform: translateY(-2px);
    box-shadow: 0 6px 24px rgba(201,168,76,.3);
}

.btn-outline {
    background: transparent;
    color: var(--navy-dark);
    padding: 14px 32px;
    border: 2px solid var(--navy-dark);
}
.btn-outline:hover {
    background: var(--navy-dark);
    color: var(--white);
    transform: translateY(-2px);
    box-shadow: 0 6px 24px rgba(11,29,58,.2);
}

.btn-text {
    color: var(--navy-dark);
    font-weight: 600;
    padding: 0;
    background: none;
    border: none;
}
.btn-text:hover { color: var(--gold) }
.btn-full { width: 100%; justify-content: center }

/* ---------- TOP BAR ---------- */
.top-bar {
    background: var(--navy-deep);
    color: rgba(255,255,255,.8);
    font-size: .8rem;
    padding: 8px 0;
    letter-spacing: .02em;
}
.top-bar-inner { display: flex; justify-content: space-between; align-items: center }
.top-bar-left { display: flex; gap: 24px }
.top-bar-left a { color: rgba(255,255,255,.8); display: flex; align-items: center; gap: 6px }
.top-bar-left a:hover { color: var(--gold) }
.top-bar-right { display: flex; gap: 14px }
.top-bar-right a {
    color: rgba(255,255,255,.5);
    font-size: .82rem;
    width: 30px;
    height: 30px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: rgba(255,255,255,.04);
    transition: all var(--transition);
}
.top-bar-right a:hover { color: var(--gold); background: rgba(201,168,76,.1) }

/* ---------- MODE TAB BAR ---------- */
.mode-bar {
    background: var(--navy-deep);
    border-bottom: 1px solid rgba(255,255,255,.05);
}
.mode-bar-inner {
    display: flex;
    align-items: center;
    gap: 0;
    padding: 0;
}
.mode-tab {
    padding: 10px 28px;
    font-size: .82rem;
    font-weight: 600;
    color: rgba(255,255,255,.4);
    letter-spacing: .8px;
    text-transform: uppercase;
    border: none;
    background: transparent;
    cursor: pointer;
    position: relative;
    transition: color var(--transition), background var(--transition);
    font-family: var(--font-body);
}
.mode-tab:hover { color: rgba(255,255,255,.7) }
.mode-tab.active {
    color: var(--white);
    background: rgba(255,255,255,.05);
}
.mode-tab.active::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 50%;
    transform: translateX(-50%);
    width: 32px;
    height: 2px;
    background: var(--gold);
    border-radius: 1px;
}

/* All sections visible in V2 — no tab-based hiding */

/* ---------- HEADER ---------- */
.site-header {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: var(--navy-dark);
    padding: 0;
    transition: box-shadow .4s, background .4s, backdrop-filter .4s;
}
.site-header.scrolled {
    background: rgba(11,29,58,.92);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    box-shadow: 0 4px 32px rgba(0,0,0,.2);
}
.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 72px;
}

/* Logo */
.logo { display: flex; align-items: center; gap: 10px; flex-shrink: 0 }
.logo-text { display: flex; flex-direction: column; line-height: 1.1 }
.logo-name {
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 1.25rem;
    color: var(--white);
    letter-spacing: 2.5px;
}
.logo-tagline {
    font-size: .62rem;
    letter-spacing: 3.5px;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 500;
}

/* Nav */
.main-nav { flex: 1; display: flex; justify-content: center }
.nav-list { display: flex; align-items: center; gap: 2px }
.nav-item > a {
    display: flex;
    align-items: center;
    gap: 5px;
    padding: 10px 14px;
    color: rgba(255,255,255,.85);
    font-size: .86rem;
    font-weight: 500;
    border-radius: 6px;
    transition: background var(--transition), color var(--transition);
    white-space: nowrap;
    letter-spacing: .01em;
}
.nav-item > a:hover, .nav-item:hover > a { background: rgba(255,255,255,.07); color: var(--white) }
.nav-item > a .fa-chevron-down { font-size: .55rem; opacity: .4; transition: transform .3s var(--ease-out) }
.nav-item:hover > a .fa-chevron-down { transform: rotate(180deg); opacity: .8 }

/* Nav CTA */
.nav-cta {
    background: var(--gold) !important;
    color: var(--navy-dark) !important;
    border-radius: 6px !important;
    font-weight: 600 !important;
    letter-spacing: .01em;
}
.nav-cta:hover { background: var(--gold-light) !important }

/* Dropdowns */
.has-dropdown { position: relative }
.dropdown {
    position: absolute;
    top: calc(100% + 4px);
    left: 0;
    min-width: 250px;
    padding: 10px 0;
    background: var(--white);
    border-radius: var(--radius-md);
    box-shadow: 0 16px 48px rgba(0,0,0,.12), 0 0 0 1px rgba(0,0,0,.04);
    opacity: 0;
    visibility: hidden;
    transform: translateY(8px);
    transition: all .3s var(--ease-out);
}
.has-dropdown:hover .dropdown { opacity: 1; visibility: visible; transform: translateY(0) }
.dropdown li a {
    display: block;
    padding: 10px 22px;
    color: var(--text-dark);
    font-size: .86rem;
    transition: background .2s, color .2s, padding-left .2s;
}
.dropdown li a:hover { background: var(--cream); color: var(--navy-dark); padding-left: 28px }

/* Header actions */
.header-actions { display: flex; align-items: center; gap: 16px }
.header-phone-wrap { position: relative }
.header-phone {
    color: #8a8a8a;
    font-size: 1.15rem;
    width: 44px;
    height: 44px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    border: 2px solid #d5d5d5;
    background: #f0f0f0;
    cursor: pointer;
    transition: all .2s ease;
}
.header-phone:hover {
    border-color: #a0a0c0;
    color: #555;
    background: #e8e8ee;
}
.header-phone[aria-expanded="true"] {
    border-color: #6e6ea8;
    color: #555;
    background: #fff;
    box-shadow: 0 0 0 3px rgba(110,110,168,.18);
}
.phone-dropdown {
    position: absolute;
    top: calc(100% + 16px);
    right: 50%;
    transform: translateX(50%) translateY(-8px);
    background: #fff;
    border-radius: 14px;
    box-shadow: 0 6px 40px rgba(0,0,0,.12), 0 1px 4px rgba(0,0,0,.06);
    padding: 28px 32px 24px;
    min-width: 260px;
    text-align: center;
    opacity: 0;
    visibility: hidden;
    transition: all .25s cubic-bezier(.4,0,.2,1);
    z-index: 1000;
}
.phone-dropdown::before {
    content: '';
    position: absolute;
    top: -8px;
    right: calc(50% - 8px);
    width: 16px;
    height: 16px;
    background: #fff;
    border-radius: 3px;
    transform: rotate(45deg);
    box-shadow: -2px -2px 4px rgba(0,0,0,.04);
}
.phone-dropdown.active { opacity: 1; visibility: visible; transform: translateX(50%) translateY(0) }
.phone-dropdown-title {
    font-family: var(--font-body);
    font-size: .92rem;
    color: #444;
    margin: 0 0 16px;
    font-weight: 500;
    letter-spacing: .01em;
}
.phone-dropdown-btn {
    display: block;
    background: #d4594f;
    color: #fff;
    font-size: 1.2rem;
    font-weight: 700;
    padding: 14px 32px;
    border-radius: 32px;
    text-decoration: none;
    letter-spacing: .5px;
    white-space: nowrap;
    transition: background .2s ease, transform .15s ease, box-shadow .2s ease;
    box-shadow: 0 3px 12px rgba(212,89,79,.3);
}
.phone-dropdown-btn:hover {
    background: #c04a40;
    transform: translateY(-1px);
    box-shadow: 0 5px 16px rgba(212,89,79,.4);
}
.phone-dropdown-note {
    font-size: .78rem;
    color: #888;
    margin: 12px 0 0;
    letter-spacing: .01em;
}

/* Mobile toggle */
.mobile-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    width: 28px;
    padding: 4px 0;
}
.mobile-toggle span {
    display: block;
    height: 2px;
    background: var(--white);
    border-radius: 2px;
    transition: all .3s var(--ease-out);
}

/* ---------- HERO (Split-Screen) ---------- */
.hero-split {
    position: relative;
    display: grid;
    grid-template-columns: 55% 45%;
    min-height: calc(100vh - 120px);
    overflow: hidden;
}

/* Left panel — dark green with text */
.hero-panel-left {
    position: relative;
    background: var(--navy-dark);
    display: flex;
    align-items: center;
    padding: 120px 60px 100px 8%;
    z-index: 2;
}

/* Grain texture on left panel */
.hero-grain {
    position: absolute;
    inset: 0;
    background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
    opacity: .03;
    pointer-events: none;
    mix-blend-mode: overlay;
}

/* Diagonal accent — disabled in V2 */
.hero-diagonal-accent { display: none }

/* Text wrapper */
.hero-text-wrap {
    position: relative;
    z-index: 2;
    max-width: 620px;
}

/* Gold vertical accent line above heading */
.hero-gold-line {
    width: 2px;
    height: 60px;
    background: var(--gold);
    margin-bottom: 24px;
}

/* Section label */
.hero-label {
    font-size: .75rem;
    letter-spacing: 4px;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 600;
    margin-bottom: 20px;
    display: flex;
    align-items: center;
    gap: 14px;
}
.hero-label::before,
.hero-label::after {
    content: '';
    width: 24px;
    height: 1.5px;
    background: var(--gold);
    opacity: .5;
}

/* Heading */
.hero-split h1 {
    font-family: var(--font-display);
    font-weight: 700;
    font-size: clamp(2.4rem, 4.5vw, 3.4rem);
    line-height: 1.15;
    color: #fff;
    margin-bottom: 24px;
    letter-spacing: -0.01em;
}
.hero-line {
    display: block;
}
.text-gold-italic {
    color: var(--gold);
    font-style: italic;
}

/* Subtitle */
.hero-split .hero-subtitle {
    color: rgba(255,255,255,.82);
    font-size: 1.08rem;
    margin-bottom: 40px;
    line-height: 1.7;
    letter-spacing: .01em;
}
.gold-dot {
    color: var(--gold);
    margin: 0 6px;
}

/* CTA buttons */
.hero-split .hero-btns {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
}
.btn-outline-light {
    background: transparent;
    color: #fff;
    padding: 14px 32px;
    border: 1.5px solid rgba(255,255,255,.35);
}
.btn-outline-light:hover {
    background: rgba(255,255,255,.08);
    border-color: rgba(255,255,255,.6);
}

/* Right panel — image or video */
.hero-panel-right {
    position: relative;
    overflow: hidden;
}
.hero-panel-img {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
}
.hero-img-personal {
    background-image: url('https://images.unsplash.com/photo-1600880292203-757bb62b4baf?w=1920&q=80');
}
.hero-panel-right .hero-video {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
}

@media (prefers-reduced-motion: reduce) {
    .hero-panel-right .hero-video { display: none }
}

/* ---------- HERO ANIMATIONS ---------- */
@keyframes heroFadeUp {
    from { opacity: 0; transform: translateY(30px) }
    to   { opacity: 1; transform: translateY(0) }
}
@keyframes heroScaleIn {
    from { opacity: 0; transform: scale(0.95) }
    to   { opacity: 1; transform: scale(1) }
}
@keyframes heroLineGrow {
    from { opacity: 0; transform: scaleY(0) }
    to   { opacity: 1; transform: scaleY(1) }
}

.hero-anim {
    opacity: 0;
    animation: heroFadeUp .7s var(--ease-out) forwards;
    animation-delay: var(--delay, 0ms);
}
.hero-gold-line {
    transform-origin: top;
    animation-name: heroLineGrow;
}
.hero-btns.hero-anim {
    animation-name: heroScaleIn;
}

/* ---------- HERO LOGO STRIP ---------- */
.hero-logos {
    position: relative;
    z-index: 10;
    background: var(--navy-deep);
    padding: 28px 0;
}
.hero-logos-inner {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 48px;
    flex-wrap: wrap;
}
.hero-logo-img {
    max-height: 56px;
    width: auto;
    opacity: .85;
    filter: brightness(0) invert(1);
    transition: opacity .4s var(--ease-out);
}
.hero-logo-img:hover {
    opacity: 1;
}

/* ---------- SOLUTIONS SECTIONS ---------- */
.solutions-section {
    padding: 100px 0;
    text-align: center;
    background: var(--off-white);
    position: relative;
}
.solutions-alt { background: var(--white) }

.solutions-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    text-align: left;
    margin-top: 48px;
    align-items: center;
}
.solutions-content h3 {
    font-family: var(--font-display);
    font-size: clamp(1.6rem, 3vw, 2.2rem);
    font-weight: 700;
    margin-bottom: 16px;
    line-height: 1.2;
    letter-spacing: -0.01em;
}
.solutions-content p { color: var(--text-body); margin-bottom: 16px; line-height: 1.8 }

.stat-block {
    display: flex;
    align-items: center;
    gap: 16px;
    margin: 28px 0 32px;
    padding: 22px 26px;
    background: var(--white);
    border-radius: var(--radius-md);
    border: 1px solid rgba(11,29,58,.06);
    box-shadow: var(--shadow-sm);
}
.solutions-alt .stat-block { background: var(--off-white) }
.stat-number {
    font-family: var(--font-display);
    font-size: 2.8rem;
    font-weight: 700;
    color: var(--navy-dark);
    line-height: 1;
}
.stat-text { font-size: .85rem; color: var(--text-body); line-height: 1.5 }

/* Image placeholders */
.image-placeholder {
    width: 100%;
    aspect-ratio: 4/3;
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 4rem;
    color: rgba(11,29,58,.15);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}
.personal-img { background: url('https://images.unsplash.com/photo-1573497019940-1c28c88b4f3e?w=800&q=80') center/cover no-repeat }
.commercial-img { background: url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?w=800&q=80') center/cover no-repeat }
.planning-img { background: url('https://images.unsplash.com/photo-1513506003901-1e6a229e2d15?w=800&q=80') center/cover no-repeat }
.quote-img { background: url('https://images.unsplash.com/photo-1560250097-0b93528c311a?w=800&q=80') center/cover no-repeat }
.insight-img { width: 100%; height: 200px; object-fit: cover; display: block; transition: transform .6s var(--ease-out) }
.insight-card:hover .insight-img { transform: scale(1.05) }

/* Values row */
.values-row {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    margin-top: 60px;
    text-align: center;
}
.value-card {
    padding: 36px 24px;
    border-radius: var(--radius-lg);
    background: var(--white);
    border: 1px solid rgba(11,29,58,.05);
    box-shadow: var(--shadow-sm);
    transition: transform .4s var(--ease-out), box-shadow .4s var(--ease-out);
}
.solutions-alt .value-card { background: var(--off-white) }
.value-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg), var(--shadow-glow);
}
.value-icon {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 16px;
    font-size: 1.2rem;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    color: var(--navy-dark);
    transition: transform .3s var(--ease-spring);
}
.value-card:hover .value-icon { transform: scale(1.1) }
.value-card h4 {
    font-family: var(--font-display);
    font-size: 1.12rem;
    font-weight: 600;
    margin-bottom: 10px;
}
.value-card p { font-size: .88rem; color: var(--text-body); line-height: 1.7 }

/* ---------- SERVICE CARDS ---------- */
.service-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-top: 48px;
    text-align: left;
}
.service-card {
    padding: 36px 28px;
    border-radius: var(--radius-lg);
    background: var(--white);
    border: 1px solid rgba(11,29,58,.05);
    box-shadow: var(--shadow-sm);
    transition: transform .4s var(--ease-out), box-shadow .4s var(--ease-out);
    position: relative;
    overflow: hidden;
}
.solutions-alt .service-card { background: var(--off-white) }
.service-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light));
    opacity: 0;
    transition: opacity .4s var(--ease-out);
}
.service-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg), var(--shadow-glow);
}
.service-card:hover::before { opacity: 1 }

.service-icon {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 16px;
    font-size: 1.2rem;
    background: linear-gradient(135deg, #F5F0E0, #E8DFC8);
    color: var(--navy-dark);
    transition: transform .3s var(--ease-spring);
}
.service-card:hover .service-icon { transform: scale(1.1) rotate(5deg) }

.service-card h4 {
    font-family: var(--font-display);
    font-size: 1.12rem;
    font-weight: 600;
    margin-bottom: 4px;
}
.service-tag {
    font-size: .75rem;
    font-weight: 600;
    color: var(--gold);
    text-transform: uppercase;
    letter-spacing: 1.2px;
    margin-bottom: 12px;
}
.service-card > p:last-of-type { font-size: .88rem; color: var(--text-body); line-height: 1.7; margin-bottom: 16px }

/* ---------- FEATURES STRIP ---------- */
.features-strip {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 12px;
    margin-top: 40px;
}
.feature-pill {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 10px 22px;
    border-radius: 50px;
    background: var(--navy-dark);
    color: var(--gold);
    font-size: .82rem;
    font-weight: 600;
    letter-spacing: .02em;
    transition: transform .3s var(--ease-out), box-shadow .3s;
}
.feature-pill:hover {
    transform: translateY(-2px);
    box-shadow: 0 4px 16px rgba(11,29,58,.3);
}
.feature-pill i { font-size: .75rem }

/* ---------- CALCULATOR SECTION ---------- */
.calculator-section {
    padding: 100px 0;
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-mid) 50%, var(--navy-soft) 100%);
    color: var(--white);
    position: relative;
    overflow: hidden;
}
/* Grain texture */
.calculator-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
    opacity: .03;
    pointer-events: none;
    mix-blend-mode: overlay;
}
/* Decorative gold circle */
.calculator-section::after {
    content: '';
    position: absolute;
    top: -120px;
    right: -80px;
    width: 400px;
    height: 400px;
    border-radius: 50%;
    border: 1px solid rgba(201,168,76,.08);
    pointer-events: none;
}

.calculator-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}
.calculator-content h2 {
    font-family: var(--font-display);
    font-size: clamp(1.8rem, 3.5vw, 2.6rem);
    font-weight: 700;
    margin-bottom: 20px;
    line-height: 1.15;
    color: var(--white);
    letter-spacing: -0.01em;
}
.calculator-content p { color: rgba(255,255,255,.7); margin-bottom: 28px; line-height: 1.8 }

.calc-card {
    background: rgba(255,255,255,.06);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border: 1px solid rgba(255,255,255,.08);
    border-radius: var(--radius-lg);
    padding: 36px;
    box-shadow: 0 0 80px rgba(201,168,76,.06), 0 24px 60px rgba(0,0,0,.2);
}
.calc-form-group { margin-bottom: 22px }
.calc-form-group label {
    display: block;
    font-size: .82rem;
    color: rgba(255,255,255,.6);
    margin-bottom: 8px;
    font-weight: 500;
    letter-spacing: .03em;
}
.calc-form-group input[type="text"],
.calc-form-group input[type="number"] {
    width: 100%;
    padding: 14px 16px;
    border-radius: var(--radius-sm);
    border: 1.5px solid rgba(255,255,255,.1);
    background: rgba(255,255,255,.04);
    color: var(--white);
    font-size: 1rem;
    outline: none;
    transition: border-color .3s, box-shadow .3s;
}
.calc-form-group input:focus {
    border-color: var(--gold);
    box-shadow: 0 0 0 3px rgba(201,168,76,.15);
}
.calc-form-group input::placeholder { color: rgba(255,255,255,.25) }

.calc-slider-row { display: flex; align-items: center; gap: 12px }
.calc-slider-row input[type="range"] {
    flex: 1;
    -webkit-appearance: none;
    height: 5px;
    border-radius: 3px;
    background: rgba(255,255,255,.12);
    outline: none;
}
.calc-slider-row input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--gold);
    cursor: pointer;
    border: 3px solid var(--white);
    box-shadow: 0 2px 8px rgba(0,0,0,.2);
    transition: transform .2s var(--ease-spring);
}
.calc-slider-row input[type="range"]::-webkit-slider-thumb:hover {
    transform: scale(1.15);
}
.calc-slider-row input[type="range"]::-moz-range-thumb {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--gold);
    cursor: pointer;
    border: 3px solid var(--white);
    box-shadow: 0 2px 8px rgba(0,0,0,.2);
}
.calc-slider-val {
    min-width: 48px;
    text-align: center;
    font-weight: 700;
    color: var(--gold);
    font-size: 1.1rem;
}
.calc-btn {
    width: 100%;
    padding: 16px;
    border-radius: var(--radius-sm);
    border: none;
    background: var(--gold);
    color: var(--navy-dark);
    font-weight: 700;
    font-size: .95rem;
    cursor: pointer;
    transition: all .3s var(--ease-out);
    margin-top: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    letter-spacing: .02em;
}
.calc-btn:hover {
    background: var(--gold-light);
    transform: translateY(-2px);
    box-shadow: 0 6px 24px rgba(201,168,76,.35);
}
.calc-btn i { font-size: .85rem }

.calc-results { margin-top: 28px; display: none }
.calc-results.visible {
    display: block;
    animation: fadeSlideUp .5s var(--ease-out);
}
.calc-results-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px }
.calc-result-box {
    padding: 18px;
    border-radius: var(--radius-md);
    background: rgba(255,255,255,.05);
    border: 1px solid rgba(255,255,255,.06);
    text-align: center;
    transition: background .3s;
}
.calc-result-box:hover { background: rgba(255,255,255,.08) }
.calc-result-box .calc-label {
    display: block;
    font-size: .7rem;
    color: rgba(255,255,255,.45);
    text-transform: uppercase;
    letter-spacing: 1.2px;
    margin-bottom: 8px;
}
.calc-result-box .calc-value {
    display: block;
    font-family: var(--font-display);
    font-size: 1.35rem;
    font-weight: 700;
    color: var(--gold);
}
.calc-result-box .calc-sub { display: block; font-size: .75rem; color: rgba(255,255,255,.4); margin-top: 4px }
.calc-divider { height: 1px; background: rgba(255,255,255,.08); margin: 8px 0 }

@keyframes fadeSlideUp {
    from { opacity: 0; transform: translateY(12px) }
    to   { opacity: 1; transform: translateY(0) }
}

/* ---------- PROCESS SECTION ---------- */
.process-section {
    padding: 100px 0;
    background: var(--navy-dark);
    color: var(--white);
    text-align: center;
    position: relative;
    overflow: hidden;
}
/* Grain texture */
.process-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
    opacity: .025;
    pointer-events: none;
    mix-blend-mode: overlay;
}
.process-section .section-label { color: var(--gold) }
.process-section .section-title { color: var(--white) }
.process-section .section-subtitle { color: rgba(255,255,255,.55) }

.process-steps {
    display: grid;
    grid-template-columns: repeat(6, 1fr);
    gap: 18px;
    margin-top: 48px;
    position: relative;
    z-index: 1;
}
.process-step {
    padding: 28px 16px;
    border-radius: var(--radius-md);
    background: rgba(255,255,255,.03);
    border: 1px solid rgba(255,255,255,.05);
    transition: all .4s var(--ease-out);
}
.process-step:hover {
    background: rgba(255,255,255,.07);
    transform: translateY(-4px);
    border-color: rgba(201,168,76,.15);
}
.step-number {
    font-family: var(--font-display);
    font-size: 2rem;
    font-weight: 700;
    color: var(--gold);
    margin-bottom: 12px;
    opacity: .7;
}
.process-step:hover .step-number { opacity: 1 }
.process-step h4 { font-size: .88rem; font-weight: 600; margin-bottom: 8px }
.process-step p { font-size: .78rem; color: rgba(255,255,255,.5); line-height: 1.65 }

/* ---------- FOOTER DISCLAIMER ---------- */
.footer-disclaimer {
    font-size: .8rem;
    color: var(--gold);
    font-weight: 600;
    text-align: center;
    margin-bottom: 16px;
    padding: 14px 24px;
    border-radius: var(--radius-sm);
    background: rgba(201,168,76,.06);
    border: 1px solid rgba(201,168,76,.12);
}

/* ---------- PLANNING SECTION ---------- */
.planning-section { padding: 100px 0; background: var(--off-white) }
.planning-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}
.planning-grid-reverse { direction: rtl }
.planning-grid-reverse > * { direction: ltr }
.planning-content h2 {
    font-family: var(--font-display);
    font-size: clamp(1.8rem, 3.5vw, 2.6rem);
    font-weight: 700;
    margin-bottom: 20px;
    line-height: 1.15;
    letter-spacing: -0.01em;
}
.planning-content p { color: var(--text-body); margin-bottom: 24px; line-height: 1.8 }
.planning-features { display: flex; flex-direction: column; gap: 20px }
.planning-feature {
    display: flex;
    gap: 16px;
    align-items: flex-start;
    padding: 22px 24px;
    background: var(--white);
    border-radius: var(--radius-md);
    border: 1px solid rgba(11,29,58,.05);
    box-shadow: var(--shadow-sm);
    transition: transform .3s var(--ease-out), box-shadow .3s;
}
.planning-feature:hover {
    transform: translateX(4px);
    box-shadow: var(--shadow-md);
}
.feature-check {
    width: 32px;
    height: 32px;
    border-radius: 8px;
    flex-shrink: 0;
    background: var(--navy-dark);
    color: var(--gold);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: .8rem;
    margin-top: 2px;
}
.planning-feature strong { display: block; margin-bottom: 4px; font-size: .95rem }
.planning-feature p { font-size: .85rem; color: var(--text-body); margin: 0 }

/* Dark planning */
.planning-dark { background: var(--navy-dark); color: var(--white); position: relative; overflow: hidden }
.planning-dark::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
    opacity: .025;
    pointer-events: none;
    mix-blend-mode: overlay;
}
.planning-dark .planning-content h2 { color: var(--white) }
.planning-dark .planning-content p { color: rgba(255,255,255,.7) }
.planning-dark .image-placeholder {
    background: url('https://images.unsplash.com/photo-1513506003901-1e6a229e2d15?w=800&q=80') center/cover no-repeat;
}

/* ---------- AWARDS ---------- */
.awards-section { padding: 100px 0; background: var(--white); text-align: center }
.awards-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-top: 48px;
}
.award-card {
    padding: 36px 28px;
    border-radius: var(--radius-lg);
    background: var(--off-white);
    border: 1px solid rgba(11,29,58,.05);
    transition: transform .4s var(--ease-out), box-shadow .4s;
    position: relative;
    overflow: hidden;
}
.award-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, transparent, var(--gold), transparent);
    opacity: 0;
    transition: opacity .4s var(--ease-out);
}
.award-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg), var(--shadow-glow);
}
.award-card:hover::before { opacity: 1 }

.award-year {
    position: absolute;
    top: 16px;
    right: 20px;
    font-size: .72rem;
    font-weight: 700;
    color: var(--gold);
    background: var(--gold-muted);
    padding: 4px 12px;
    border-radius: 20px;
    letter-spacing: .5px;
}
.award-icon {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 16px;
    font-size: 1.2rem;
    background: linear-gradient(135deg, var(--navy-dark), var(--navy-mid));
    color: var(--gold);
    transition: transform .3s var(--ease-spring);
}
.award-card:hover .award-icon { transform: scale(1.1) }

.award-card h4 {
    font-family: var(--font-display);
    font-size: 1.05rem;
    font-weight: 600;
    margin-bottom: 8px;
    line-height: 1.3;
}
.award-card p { font-size: .82rem; color: var(--text-muted) }

/* ---------- QUOTE / ABOUT ---------- */
.quote-section { padding: 100px 0; background: var(--cream) }
.quote-grid {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 60px;
    align-items: center;
}
.quote-content h2 {
    font-family: var(--font-display);
    font-size: clamp(1.8rem, 3.5vw, 2.6rem);
    font-weight: 700;
    margin-bottom: 20px;
    line-height: 1.15;
    letter-spacing: -0.01em;
}
.quote-content > p { color: var(--text-body); margin-bottom: 28px; line-height: 1.8 }

blockquote {
    position: relative;
    padding: 32px 36px;
    background: var(--white);
    border-radius: var(--radius-lg);
    border-left: 4px solid var(--gold);
    box-shadow: var(--shadow-md);
}
blockquote p {
    font-family: var(--font-display);
    font-style: italic;
    font-size: 1rem;
    color: var(--text-dark);
    line-height: 1.8;
    margin-bottom: 16px;
}
blockquote footer { display: flex; flex-direction: column }
blockquote footer strong { font-family: var(--font-body); font-size: .92rem; color: var(--navy-dark) }
blockquote footer span { font-family: var(--font-body); font-size: .78rem; color: var(--text-muted) }

/* ---------- TESTIMONIALS ---------- */
.testimonials-section { padding: 100px 0; background: var(--white); text-align: center }
.google-rating {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    margin-bottom: 48px;
}
.stars { color: #F4B400; font-size: 1.2rem; display: flex; gap: 2px }
.rating-score {
    font-family: var(--font-display);
    font-size: 1.6rem;
    font-weight: 700;
    color: var(--navy-dark);
}
.rating-label { font-size: .88rem; color: var(--text-muted) }

.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; text-align: left }
.testimonial-card {
    padding: 32px 28px;
    border-radius: var(--radius-lg);
    background: var(--off-white);
    border: 1px solid rgba(11,29,58,.05);
    border-left: 3px solid var(--gold);
    display: flex;
    flex-direction: column;
    transition: transform .4s var(--ease-out), box-shadow .4s;
}
.testimonial-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
}
.testimonial-stars { color: #F4B400; font-size: .88rem; margin-bottom: 16px; display: flex; gap: 2px }
.testimonial-card > p { flex: 1; font-size: .9rem; color: var(--text-body); line-height: 1.75; margin-bottom: 20px }
.testimonial-author { display: flex; align-items: center; gap: 12px }
.author-avatar {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    flex-shrink: 0;
    background: var(--navy-dark);
    color: var(--gold);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: .82rem;
}
.testimonial-author strong { display: block; font-size: .88rem }
.testimonial-author span { font-size: .76rem; color: var(--text-muted) }

/* ---------- INSIGHTS ---------- */
.insights-section { padding: 100px 0; background: var(--off-white); text-align: center }
.insights-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; text-align: left }
.insight-card {
    border-radius: var(--radius-lg);
    overflow: hidden;
    background: var(--white);
    border: 1px solid rgba(11,29,58,.05);
    box-shadow: var(--shadow-sm);
    transition: transform .4s var(--ease-out), box-shadow .4s;
}
.insight-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg), var(--shadow-glow);
}
.insight-image { position: relative; overflow: hidden }
.insight-tag {
    position: absolute;
    top: 16px;
    left: 16px;
    background: var(--navy-dark);
    color: var(--white);
    padding: 5px 14px;
    border-radius: 20px;
    font-size: .7rem;
    font-weight: 600;
    letter-spacing: .8px;
    text-transform: uppercase;
    z-index: 1;
}
.insight-body { padding: 24px }
.insight-body h4 {
    font-family: var(--font-display);
    font-size: 1.08rem;
    font-weight: 600;
    margin-bottom: 10px;
    line-height: 1.4;
}
.insight-body p { font-size: .88rem; color: var(--text-body); margin-bottom: 16px; line-height: 1.7 }

/* ---------- FAQ ---------- */
.faq-section { padding: 100px 0; background: var(--white) }
.faq-section .container { display: grid; grid-template-columns: 1fr 1.5fr; gap: 60px; align-items: start }
.faq-section .faq-header { text-align: left }
.faq-section .section-label { justify-content: flex-start }
.faq-section .section-title { text-align: left }
.faq-section .section-subtitle { text-align: left; margin: 0 }
.faq-list { text-align: left }
.faq-item {
    border-bottom: 1px solid rgba(11,29,58,.06);
}
.faq-question {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 24px 0;
    font-size: 1rem;
    font-weight: 600;
    color: var(--text-dark);
    text-align: left;
    transition: color .3s;
}
.faq-question:hover { color: var(--navy-mid) }
.faq-question i {
    color: var(--gold);
    font-size: .75rem;
    flex-shrink: 0;
    transition: transform .4s var(--ease-out);
    width: 28px;
    height: 28px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: var(--gold-muted);
}
.faq-item.active .faq-question i { transform: rotate(45deg) }
.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height .5s var(--ease-out), padding .5s var(--ease-out);
}
.faq-item.active .faq-answer { max-height: 300px; padding-bottom: 24px }
.faq-answer p { font-size: .92rem; color: var(--text-body); line-height: 1.8 }

/* ---------- CONTACT ---------- */
.contact-section {
    padding: 100px 0;
    text-align: center;
    background: linear-gradient(180deg, var(--cream) 0%, var(--off-white) 100%);
}
.contact-grid {
    display: grid;
    grid-template-columns: 1.3fr 1fr;
    gap: 48px;
    text-align: left;
}
.contact-form {
    background: var(--white);
    padding: 44px;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-md);
    border: 1px solid rgba(11,29,58,.04);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 20px }
.form-group { display: flex; flex-direction: column }
.form-group.full-width { margin-bottom: 20px }
.form-group label {
    font-size: .8rem;
    font-weight: 600;
    color: var(--text-dark);
    margin-bottom: 6px;
    letter-spacing: .02em;
}
.form-group input, .form-group textarea {
    padding: 14px 16px;
    border-radius: var(--radius-sm);
    border: 1.5px solid rgba(11,29,58,.1);
    background: var(--off-white);
    font-size: .92rem;
    color: var(--text-dark);
    transition: border-color .3s, box-shadow .3s, background .3s;
    outline: none;
}
.form-group input:focus, .form-group textarea:focus {
    border-color: var(--navy-dark);
    box-shadow: 0 0 0 3px rgba(11,29,58,.06);
    background: var(--white);
}
.form-group input::placeholder, .form-group textarea::placeholder { color: var(--text-muted) }

.contact-info-side { display: flex; flex-direction: column; gap: 24px }
.contact-card {
    display: flex;
    gap: 16px;
    align-items: center;
    padding: 24px;
    border-radius: var(--radius-lg);
    background: var(--navy-dark);
    color: var(--white);
    position: relative;
    overflow: hidden;
}
.contact-card::after {
    content: '';
    position: absolute;
    top: -20px;
    right: -20px;
    width: 80px;
    height: 80px;
    border-radius: 50%;
    border: 1px solid rgba(201,168,76,.08);
    pointer-events: none;
}
.contact-card-icon {
    width: 48px;
    height: 48px;
    border-radius: var(--radius-md);
    flex-shrink: 0;
    background: rgba(201,168,76,.12);
    color: var(--gold);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
}
.contact-card strong { display: block; font-size: .82rem; color: rgba(255,255,255,.6) }
.contact-card a { color: var(--gold); font-size: 1.25rem; font-weight: 700; display: block }
.contact-card span { font-size: .78rem; color: rgba(255,255,255,.5) }

.office-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 16px }
.office-card {
    padding: 22px;
    border-radius: var(--radius-md);
    background: var(--white);
    border: 1px solid rgba(11,29,58,.06);
    box-shadow: var(--shadow-sm);
    transition: transform .3s var(--ease-out), box-shadow .3s;
}
.office-card:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}
.office-card h4 {
    font-size: .86rem;
    font-weight: 700;
    color: var(--navy-dark);
    margin-bottom: 8px;
    display: flex;
    align-items: center;
    gap: 6px;
}
.office-card h4 i { color: var(--gold); font-size: .7rem }
.office-card p { font-size: .82rem; color: var(--text-body); margin-bottom: 8px; line-height: 1.65 }
.office-card a { color: var(--navy-dark); font-weight: 600; font-size: .86rem }
.office-card a:hover { color: var(--gold) }

.newsletter {
    padding: 24px;
    border-radius: var(--radius-md);
    background: var(--white);
    border: 1px solid rgba(11,29,58,.06);
    box-shadow: var(--shadow-sm);
}
.newsletter p { font-size: .86rem; color: var(--text-body); margin-bottom: 12px; line-height: 1.6 }
.newsletter-row { display: flex; gap: 8px }
.newsletter-row input {
    flex: 1;
    padding: 12px 16px;
    border-radius: var(--radius-sm);
    border: 1.5px solid rgba(11,29,58,.1);
    background: var(--off-white);
    font-size: .88rem;
    outline: none;
    transition: border-color .3s;
}
.newsletter-row input:focus { border-color: var(--navy-dark) }
.newsletter-row .btn { padding: 12px 18px; border-radius: var(--radius-sm) }

/* ---------- FOOTER ---------- */
.site-footer {
    background: var(--navy-deep);
    color: rgba(255,255,255,.8);
    padding: 80px 0 0;
    position: relative;
    overflow: hidden;
}
/* Grain texture */
.site-footer::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
    opacity: .02;
    pointer-events: none;
    mix-blend-mode: overlay;
}

.footer-top {
    display: grid;
    grid-template-columns: 1.2fr 2fr;
    gap: 60px;
    padding-bottom: 48px;
    border-bottom: 1px solid rgba(255,255,255,.06);
    position: relative;
    z-index: 1;
}
.footer-brand .logo { margin-bottom: 20px }
.footer-brand > p { font-size: .86rem; line-height: 1.75; color: rgba(255,255,255,.5); margin-bottom: 24px }
.footer-social { display: flex; gap: 10px }
.footer-social a {
    width: 38px;
    height: 38px;
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(255,255,255,.04);
    color: rgba(255,255,255,.5);
    font-size: .88rem;
    transition: all var(--transition);
}
.footer-social a:hover {
    background: var(--gold);
    color: var(--navy-dark);
    transform: translateY(-2px);
}

.footer-links {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 32px;
    position: relative;
    z-index: 1;
}
.footer-col h5 {
    font-size: .8rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 18px;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    position: relative;
    padding-bottom: 12px;
}
.footer-col h5::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 24px;
    height: 2px;
    background: var(--gold);
    opacity: .5;
    border-radius: 1px;
}
.footer-col li { margin-bottom: 10px }
.footer-col a {
    font-size: .86rem;
    color: rgba(255,255,255,.45);
    transition: color .3s, padding-left .3s;
}
.footer-col a:hover { color: var(--gold); padding-left: 4px }

.footer-bottom { padding: 32px 0; text-align: center; position: relative; z-index: 1 }
.footer-regulatory {
    font-size: .73rem;
    color: rgba(255,255,255,.3);
    line-height: 1.85;
    max-width: 960px;
    margin: 0 auto 16px;
}
.footer-copy p { font-size: .78rem; color: rgba(255,255,255,.35) }

/* ---------- BACK TO TOP ---------- */
.back-to-top {
    position: fixed;
    bottom: 32px;
    right: 32px;
    width: 48px;
    height: 48px;
    border-radius: var(--radius-md);
    background: var(--navy-dark);
    color: var(--gold);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    box-shadow: 0 4px 24px rgba(0,0,0,.2);
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: all .4s var(--ease-out);
    z-index: 900;
}
.back-to-top.visible { opacity: 1; visibility: visible; transform: translateY(0) }
.back-to-top:hover {
    background: var(--gold);
    color: var(--navy-dark);
    transform: translateY(-4px);
    box-shadow: 0 8px 32px rgba(201,168,76,.3);
}

/* ---------- CASE STUDIES ---------- */
.case-studies-section { padding: 100px 0; background: var(--off-white); text-align: center }
.case-studies-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; text-align: left; margin-top: 48px }
.case-study-card {
    padding: 32px;
    border-radius: var(--radius-lg);
    background: var(--white);
    border: 1px solid rgba(11,29,58,.05);
    box-shadow: var(--shadow-sm);
    transition: transform .4s var(--ease-out), box-shadow .4s;
    position: relative;
    overflow: hidden;
}
.case-study-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--gold), transparent);
    opacity: 0;
    transition: opacity .4s var(--ease-out);
}
.case-study-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg), var(--shadow-glow);
}
.case-study-card:hover::before { opacity: 1 }

.cs-tag {
    display: inline-block;
    font-size: .7rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1.2px;
    color: var(--navy-dark);
    background: rgba(11,29,58,.06);
    padding: 5px 14px;
    border-radius: 20px;
    margin-bottom: 16px;
}
.case-study-card h4 {
    font-family: var(--font-display);
    font-size: 1.12rem;
    font-weight: 600;
    margin-bottom: 12px;
    line-height: 1.3;
}
.cs-stats { display: flex; gap: 24px; margin-bottom: 16px; flex-wrap: wrap }
.cs-stat { display: flex; flex-direction: column }
.cs-stat-label { font-size: .68rem; text-transform: uppercase; letter-spacing: 1.2px; color: var(--text-muted); font-weight: 600 }
.cs-stat-value { font-family: var(--font-display); font-size: 1.1rem; font-weight: 700; color: var(--navy-dark) }
.case-study-card > p { font-size: .88rem; color: var(--text-body); line-height: 1.7; margin-bottom: 16px }

.cs-quote {
    font-family: var(--font-display);
    font-style: italic;
    font-size: .85rem;
    color: var(--text-body);
    padding: 14px 18px;
    border-left: 3px solid var(--gold);
    background: rgba(201,168,76,.03);
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    margin-top: 12px;
}
.cs-quote strong {
    display: block;
    font-family: var(--font-body);
    font-style: normal;
    font-size: .76rem;
    color: var(--navy-dark);
    margin-top: 6px;
}

/* ---------- 4-COLUMN SERVICE CARDS ---------- */
.service-cards-4 { grid-template-columns: repeat(4, 1fr) }
.service-cards-4 .service-card .service-icon { display: none }

/* ---------- STRATEGY SECTION ---------- */
.strategy-section {
    padding: 100px 0;
    background: var(--navy-dark);
    color: var(--white);
    position: relative;
    overflow: hidden;
}
.strategy-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
    opacity: .025;
    pointer-events: none;
    mix-blend-mode: overlay;
}
.strategy-heading {
    font-family: var(--font-display);
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: 48px;
    padding-bottom: 48px;
    border-bottom: 2px dotted rgba(201,168,76,.3);
    color: var(--white);
    position: relative;
    z-index: 1;
}
.strategy-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
    position: relative;
    z-index: 1;
}
.strategy-card {
    text-align: left;
}
.strategy-icon {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
    font-size: 1.1rem;
    background: rgba(201,168,76,.12);
    color: var(--gold);
    border: 1px solid rgba(201,168,76,.2);
}
.strategy-card h4 {
    font-family: var(--font-display);
    font-size: 1.1rem;
    font-weight: 600;
    margin-bottom: 10px;
    color: var(--white);
}
.strategy-card p {
    font-size: .88rem;
    color: rgba(255,255,255,.55);
    line-height: 1.7;
}

/* ---------- TESTIMONIAL SECTION ---------- */
.testimonial-section {
    padding: 100px 0;
    background: var(--off-white);
}
.testimonial-grid {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 60px;
    align-items: center;
}
.testimonial-left h2 {
    font-family: var(--font-display);
    font-size: clamp(1.8rem, 3.5vw, 2.6rem);
    font-weight: 700;
    line-height: 1.2;
    color: var(--text-dark);
    padding-bottom: 32px;
    border-bottom: 2px dotted rgba(11,29,58,.15);
}
.testimonial-right blockquote {
    border-left: 4px solid var(--gold);
    padding: 0 0 0 28px;
    margin: 0 0 28px;
    background: none;
    box-shadow: none;
    border-radius: 0;
}
.testimonial-right blockquote p {
    font-family: var(--font-body);
    font-style: normal;
    font-size: .95rem;
    color: var(--text-body);
    line-height: 1.8;
    margin-bottom: 16px;
}
.testimonial-right blockquote footer strong {
    font-size: .92rem;
    color: var(--navy-dark);
}

/* ---------- CONTACT IMAGE SIDE ---------- */
.contact-image-side {
    display: flex;
    align-items: stretch;
}
.contact-image-side .image-placeholder {
    width: 100%;
    height: 100%;
    min-height: 400px;
    aspect-ratio: auto;
}
.contact-img {
    background: url('https://images.unsplash.com/photo-1497366216548-37526070297c?w=800&q=80') center/cover no-repeat;
}
.contact-bottom {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
    margin-top: 32px;
}

/* ---------- FOOTER UPDATES ---------- */
.footer-phone a, .footer-email a {
    color: var(--gold);
    font-weight: 600;
}
.footer-copy {
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 16px;
}
.footer-copy .footer-social { display: flex; gap: 10px }
.footer-copy .footer-social a {
    width: 34px;
    height: 34px;
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(255,255,255,.04);
    color: rgba(255,255,255,.5);
    font-size: .82rem;
    transition: all var(--transition);
}
.footer-copy .footer-social a:hover {
    background: var(--gold);
    color: var(--navy-dark);
}
.footer-nacfb {
    height: 40px;
    width: auto;
    filter: brightness(0) invert(1);
    opacity: .6;
}

/* ---------- SECTION CURVE DIVIDERS ---------- */
.section-curve {
    position: relative;
    width: 100%;
    line-height: 0;
    overflow: hidden;
    margin: 0;
    padding: 0;
}
.section-curve svg {
    display: block;
    width: 100%;
    height: 70px;
    position: relative;
}
.section-curve-sm svg {
    height: 40px;
}

@media (max-width: 768px) {
    .section-curve svg { height: 40px }
    .section-curve-sm svg { height: 24px }
}

/* ---------- ANIMATIONS ---------- */
[data-animate] {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity .8s var(--ease-out), transform .8s var(--ease-out);
}
[data-animate="fade-right"] { transform: translateX(-40px) }
[data-animate="fade-left"] { transform: translateX(40px) }
[data-animate].animated { opacity: 1; transform: translate(0) }

/* ---------- RESPONSIVE ---------- */
@media (max-width: 1024px) {
    .solutions-grid, .planning-grid, .planning-grid-reverse,
    .quote-grid, .contact-grid, .calculator-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    .planning-grid-reverse { direction: ltr }
    .footer-top { grid-template-columns: 1fr }
    .values-row, .awards-grid, .testimonials-grid, .insights-grid, .case-studies-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .service-cards, .service-cards-4 { grid-template-columns: repeat(2, 1fr) }
    .process-steps { grid-template-columns: repeat(3, 1fr) }
    .strategy-grid { grid-template-columns: repeat(2, 1fr) }
    .testimonial-grid { grid-template-columns: 1fr; gap: 40px }
    .contact-bottom { grid-template-columns: 1fr }
    .faq-section .container { grid-template-columns: 1fr; gap: 32px }
    .faq-section .faq-header { text-align: center }
    .faq-section .section-label { justify-content: center }
    .faq-section .section-title { text-align: center }
}

@media (max-width: 768px) {
    .top-bar-left { flex-direction: column; gap: 4px }
    .top-bar { padding: 6px 0; font-size: .75rem }
    .mode-tab { padding: 8px 20px; font-size: .78rem }

    /* Mobile nav */
    .main-nav {
        position: fixed;
        top: 0;
        right: -100%;
        width: 85%;
        max-width: 360px;
        height: 100vh;
        background: var(--navy-dark);
        flex-direction: column;
        justify-content: flex-start;
        padding: 80px 24px 32px;
        z-index: 999;
        transition: right .4s var(--ease-out);
        overflow-y: auto;
        box-shadow: -4px 0 40px rgba(0,0,0,.3);
    }
    .main-nav.open { right: 0 }
    .nav-list { flex-direction: column; align-items: stretch; gap: 0; width: 100% }
    .nav-item > a { padding: 14px 0; border-bottom: 1px solid rgba(255,255,255,.05) }
    .dropdown {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        background: rgba(255,255,255,.02);
        border-radius: 0;
        padding: 0 0 0 16px;
        max-height: 0;
        overflow: hidden;
        transition: max-height .3s var(--ease-out);
    }
    .has-dropdown.open .dropdown { max-height: 400px }
    .dropdown li a { color: rgba(255,255,255,.65); padding: 10px 0 }

    .mobile-toggle { display: flex }
    .mobile-toggle.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px) }
    .mobile-toggle.active span:nth-child(2) { opacity: 0 }
    .mobile-toggle.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px) }

    /* Mobile overlay */
    .nav-overlay {
        position: fixed;
        inset: 0;
        background: rgba(0,0,0,.6);
        z-index: 998;
        opacity: 0;
        visibility: hidden;
        transition: all .3s;
    }
    .nav-overlay.active { opacity: 1; visibility: visible }

    /* Split hero stacks on mobile */
    .hero-split {
        grid-template-columns: 1fr;
        min-height: auto;
    }
    .hero-panel-left {
        padding: 100px 24px 80px;
    }
    .hero-panel-right {
        clip-path: none;
        height: 40vh;
    }
    .hero-split h1 { font-size: clamp(1.8rem, 7vw, 2.8rem) }
    .hero-gold-line { height: 36px }
    .hero-logos-inner {
        gap: 24px;
        justify-content: flex-start;
        overflow-x: auto;
        flex-wrap: nowrap;
        padding-bottom: 8px;
        -webkit-overflow-scrolling: touch;
    }
    .hero-logo-img { flex-shrink: 0 }
    .hero-diagonal-accent { display: none }

    .values-row, .awards-grid, .testimonials-grid, .insights-grid,
    .service-cards, .service-cards-4, .case-studies-grid {
        grid-template-columns: 1fr;
    }
    .strategy-grid { grid-template-columns: 1fr }
    .calc-results-grid { grid-template-columns: 1fr }
    .process-steps { grid-template-columns: repeat(2, 1fr) }
    .form-row { grid-template-columns: 1fr }
    .office-cards { grid-template-columns: 1fr }
    .contact-form { padding: 24px }
    .footer-links { grid-template-columns: 1fr 1fr }
    .footer-copy { flex-direction: column; text-align: center }

    .solutions-section, .planning-section, .awards-section,
    .quote-section, .testimonials-section, .insights-section,
    .faq-section, .contact-section, .strategy-section, .testimonial-section {
        padding: 60px 0;
    }

    .section-label::before, .section-label::after { width: 16px }
}

@media (max-width: 480px) {
    .container { padding: 0 16px }
    .top-bar-right { display: none }
    .footer-links { grid-template-columns: 1fr }
    .hero-split h1 { font-size: 1.8rem }
    .hero-panel-right { height: 30vh }
    .section-label::before, .section-label::after { display: none }
}

/* ============================================================
   INNER PAGES — Alternative layout styles (not currently used)
   These styles support a compact hero + sidebar layout for future pages.
   All inner pages currently use the hero-split + solutions-section layout.
   ============================================================ */

/* Page Hero — compact dark banner */
.page-hero {
    background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy-dark) 60%, var(--navy-mid) 100%);
    padding: 120px 0 80px;
    position: relative;
    overflow: hidden;
}
.page-hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
    opacity: .03;
    pointer-events: none;
}
.page-hero-inner {
    position: relative;
    z-index: 1;
    max-width: 760px;
}
.page-breadcrumb {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: .8rem;
    color: rgba(255,255,255,.5);
    margin-bottom: 20px;
    letter-spacing: .5px;
}
.page-breadcrumb a { color: rgba(255,255,255,.5); transition: color .3s }
.page-breadcrumb a:hover { color: var(--gold) }
.page-breadcrumb i { font-size: .55rem }
.page-hero-label {
    font-size: .72rem;
    letter-spacing: 4px;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 600;
    margin-bottom: 16px;
    display: flex;
    align-items: center;
    gap: 12px;
}
.page-hero-label::before {
    content: '';
    width: 28px;
    height: 1.5px;
    background: var(--gold);
    opacity: .6;
}
.page-hero h1 {
    font-family: var(--font-display);
    font-size: clamp(2rem, 4.5vw, 3.4rem);
    font-weight: 700;
    color: #fff;
    line-height: 1.15;
    margin-bottom: 20px;
}
.page-hero h1 em {
    font-style: italic;
    color: var(--gold);
}
.page-hero p {
    font-size: 1.05rem;
    color: rgba(255,255,255,.78);
    line-height: 1.7;
    margin-bottom: 32px;
    max-width: 620px;
}
.page-hero-btns {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
}
.page-hero-curve {
    position: relative;
    background: var(--navy-deep);
    line-height: 0;
}
.page-hero-curve svg {
    display: block;
    width: 100%;
    height: 60px;
}

/* Page Content Area */
.page-content {
    background: var(--off-white);
    padding: 80px 0;
}
.page-content-grid {
    display: grid;
    grid-template-columns: 1fr 340px;
    gap: 60px;
    align-items: start;
}
.page-body h2 {
    font-family: var(--font-display);
    font-size: clamp(1.6rem, 3vw, 2.2rem);
    font-weight: 700;
    color: var(--text-dark);
    margin-bottom: 20px;
    margin-top: 40px;
    line-height: 1.2;
}
.page-body h2:first-child { margin-top: 0 }
.page-body h3 {
    font-family: var(--font-display);
    font-size: 1.25rem;
    font-weight: 600;
    color: var(--text-dark);
    margin-bottom: 12px;
    margin-top: 32px;
}
.page-body p {
    color: var(--text-body);
    line-height: 1.75;
    margin-bottom: 18px;
    font-size: 1rem;
}
.page-body ul, .page-body ol {
    margin: 0 0 20px 0;
    padding-left: 0;
    list-style: none;
}
.page-body ul li, .page-body ol li {
    position: relative;
    padding-left: 24px;
    margin-bottom: 10px;
    color: var(--text-body);
    line-height: 1.65;
}
.page-body ul li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 10px;
    width: 7px;
    height: 7px;
    border-radius: 50%;
    background: var(--gold);
}
.page-body ol { counter-reset: item }
.page-body ol li { counter-increment: item }
.page-body ol li::before {
    content: counter(item) '.';
    position: absolute;
    left: 0;
    top: 0;
    color: var(--gold);
    font-weight: 700;
    font-size: .9rem;
}

/* Numbered feature cards */
.page-features {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
    margin: 32px 0;
}
.page-feature-card {
    background: #fff;
    border: 1px solid rgba(0,0,0,.06);
    border-radius: var(--radius-md);
    padding: 24px;
    box-shadow: var(--shadow-sm);
}
.page-feature-card .feat-num {
    font-family: var(--font-display);
    font-size: 1.6rem;
    font-weight: 700;
    color: var(--gold);
    line-height: 1;
    margin-bottom: 10px;
}
.page-feature-card h4 {
    font-size: .95rem;
    font-weight: 600;
    color: var(--text-dark);
    margin-bottom: 8px;
}
.page-feature-card p {
    font-size: .88rem;
    color: var(--text-muted);
    margin: 0;
    line-height: 1.6;
}

/* Sidebar */
.page-sidebar {}
.sidebar-cta-card {
    background: var(--navy-dark);
    border-radius: var(--radius-lg);
    padding: 32px;
    color: #fff;
    margin-bottom: 24px;
    position: sticky;
    top: 130px;
}
.sidebar-cta-card h3 {
    font-family: var(--font-display);
    font-size: 1.3rem;
    font-weight: 700;
    color: #fff;
    margin-bottom: 12px;
}
.sidebar-cta-card p {
    font-size: .9rem;
    color: rgba(255,255,255,.75);
    line-height: 1.6;
    margin-bottom: 20px;
}
.sidebar-cta-card .btn {
    width: 100%;
    text-align: center;
    justify-content: center;
    margin-bottom: 10px;
}
.sidebar-contact-list {
    list-style: none;
    padding: 0;
    margin: 20px 0 0;
}
.sidebar-contact-list li {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: .85rem;
    color: rgba(255,255,255,.7);
    padding: 6px 0;
    border-top: 1px solid rgba(255,255,255,.08);
    padding-left: 0 !important;
}
.sidebar-contact-list li::before { display: none !important }
.sidebar-contact-list li i {
    color: var(--gold);
    width: 16px;
    text-align: center;
    flex-shrink: 0;
}
.sidebar-contact-list a { color: rgba(255,255,255,.85) }
.sidebar-contact-list a:hover { color: var(--gold) }

/* Page process steps */
.page-process {
    background: var(--navy-dark);
    padding: 80px 0;
    position: relative;
    overflow: hidden;
}
.page-process::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
    opacity: .03;
}
.page-process .section-title,
.page-process .section-label,
.page-process .section-subtitle { color: #fff }
.page-process .section-label { color: var(--gold) }
.page-process .section-subtitle { color: rgba(255,255,255,.7) }

/* Page CTA banner */
.page-cta-banner {
    background: var(--cream);
    padding: 80px 0;
    text-align: center;
}
.page-cta-banner h2 {
    font-family: var(--font-display);
    font-size: clamp(1.8rem, 3.5vw, 2.6rem);
    font-weight: 700;
    margin-bottom: 16px;
    line-height: 1.2;
}
.page-cta-banner p {
    font-size: 1.05rem;
    color: var(--text-body);
    max-width: 580px;
    margin: 0 auto 32px;
    line-height: 1.7;
}
.page-cta-btns {
    display: flex;
    gap: 14px;
    justify-content: center;
    flex-wrap: wrap;
}

/* About/Team page extras */
.team-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
    margin-top: 40px;
}
.team-card {
    background: #fff;
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    transition: transform .3s, box-shadow .3s;
}
.team-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
}
.team-card-img {
    background: var(--navy-dark);
    height: 240px;
    display: flex;
    align-items: center;
    justify-content: center;
}
.team-card-img .avatar-placeholder {
    width: 90px;
    height: 90px;
    border-radius: 50%;
    background: rgba(201,168,76,.2);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-display);
    font-size: 2rem;
    font-weight: 700;
    color: var(--gold);
}
.team-card-body { padding: 24px }
.team-card-body h4 {
    font-family: var(--font-display);
    font-size: 1.1rem;
    font-weight: 700;
    margin-bottom: 4px;
}
.team-card-body .role {
    font-size: .82rem;
    color: var(--gold);
    font-weight: 600;
    letter-spacing: .5px;
    margin-bottom: 12px;
    display: block;
}
.team-card-body p {
    font-size: .88rem;
    color: var(--text-body);
    line-height: 1.6;
}

/* Privacy page */
.privacy-content {
    max-width: 820px;
    margin: 0 auto;
}
.privacy-content h2 {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--text-dark);
    margin: 40px 0 14px;
    padding-bottom: 10px;
    border-bottom: 2px solid var(--gold);
    display: inline-block;
}
.privacy-content h2:first-child { margin-top: 0 }
.privacy-content p, .privacy-content li {
    color: var(--text-body);
    line-height: 1.75;
    margin-bottom: 14px;
}
.privacy-content ul { padding-left: 20px; list-style: disc }

/* Network page */
.network-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-top: 40px;
}
.network-card {
    background: #fff;
    border: 1px solid rgba(0,0,0,.06);
    border-radius: var(--radius-md);
    padding: 28px 24px;
    box-shadow: var(--shadow-sm);
    transition: transform .3s, box-shadow .3s;
}
.network-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
}
.network-card i {
    font-size: 1.8rem;
    color: var(--gold);
    margin-bottom: 14px;
}
.network-card h4 {
    font-size: 1rem;
    font-weight: 600;
    margin-bottom: 8px;
}
.network-card p {
    font-size: .88rem;
    color: var(--text-muted);
    line-height: 1.6;
}

/* Responsive inner pages */
@media (max-width: 960px) {
    .page-content-grid { grid-template-columns: 1fr }
    .page-sidebar { order: -1 }
    .sidebar-cta-card { position: static }
    .page-features { grid-template-columns: 1fr }
    .team-grid { grid-template-columns: repeat(2, 1fr) }
    .network-grid { grid-template-columns: repeat(2, 1fr) }
}
@media (max-width: 600px) {
    .page-hero { padding: 100px 0 60px }
    .page-hero h1 { font-size: 1.9rem }
    .page-content { padding: 50px 0 }
    .team-grid { grid-template-columns: 1fr }
    .network-grid { grid-template-columns: 1fr }
}