/* ============================================================
   JA Sykes Financial Adviser — Stylesheet v6
   Design: Apple-inspired premium aesthetic
   Typography: Inter (system-aligned, all weights)
   Palette: Apple clean neutrals + Navy brand authority
   ============================================================ */

/* Inter loaded async via HTML <link rel="preload"> — no render-blocking @import */

/* --- Custom Properties --- */
:root {
  /* Brand navy — authority & trust */
  --navy:        #18305c;
  --navy-dark:   #0d1e3a;
  --navy-light:  #1e4080;
  --navy-xlight: #eef2f8;
  --navy-glass:  rgba(24,48,92,0.05);

  /* Accent — muted, used sparingly for trust signals only */
  --gold:        #7a6a2a;
  --gold-rich:   #8c7a2e;
  --gold-dark:   #5c5020;
  --gold-light:  #ede9d0;
  --gold-xlight: #f8f6ee;

  /* Apple-inspired neutrals */
  --white:       #ffffff;
  --off-white:   #fbfbfd;
  --grey-50:     #f5f5f7;
  --grey-100:    #e8e8ed;
  --grey-200:    #d2d2d7;
  --grey-400:    #86868b;
  --grey-600:    #515154;
  --text:        #1d1d1f;
  --text-muted:  #6e6e73;
  --border:      rgba(0,0,0,0.09);
  --border-light: rgba(0,0,0,0.05);

  /* Typography — Inter only, Apple-aligned */
  --font-display: 'Inter', -apple-system, BlinkMacSystemFont, 'SF Pro Display', 'Helvetica Neue', sans-serif;
  --font-serif:   'Inter', -apple-system, BlinkMacSystemFont, 'SF Pro Display', 'Helvetica Neue', sans-serif;
  --font:         'Inter', -apple-system, BlinkMacSystemFont, 'Helvetica Neue', Arial, sans-serif;

  /* Geometry — Apple uses generous rounding */
  --radius-sm:   6px;
  --radius:      10px;
  --radius-lg:   16px;
  --radius-xl:   24px;
  --radius-pill: 100px;
  --radius-icon: 12px;   /* SF Symbols app-icon rounding */

  /* Shadows — Apple-style (very clean, not heavy) */
  --shadow-sm:   0 1px 3px rgba(0,0,0,.05), 0 1px 2px rgba(0,0,0,.03);
  --shadow:      0 4px 16px rgba(0,0,0,.07), 0 1px 4px rgba(0,0,0,.04);
  --shadow-md:   0 8px 28px rgba(0,0,0,.09), 0 2px 8px rgba(0,0,0,.04);
  --shadow-lg:   0 24px 56px rgba(0,0,0,.12), 0 8px 20px rgba(0,0,0,.06);
  --shadow-card: 0 2px 8px rgba(0,0,0,.05), 0 1px 3px rgba(0,0,0,.03);
  --shadow-gold: 0 8px 28px rgba(24,48,92,.20), 0 2px 8px rgba(24,48,92,.10);

  --max-w:       1140px;
  --transition:  0.2s ease;
}

/* --- Reset & Base --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font);
  color: var(--text);
  background: var(--white);
  line-height: 1.75;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

/* --- Typography --- */
h1, h2, h3 {
  font-family: var(--font-display);
  color: var(--text);
}
h4, h5, h6 {
  font-family: var(--font);
  font-weight: 700;
  line-height: 1.35;
  color: var(--text);
}
h1 { font-size: clamp(2.4rem, 5vw, 3.8rem);  line-height: 1.06; font-weight: 800; letter-spacing: -0.04em; }
h2 { font-size: clamp(1.7rem, 3vw, 2.4rem);  line-height: 1.12; font-weight: 700; letter-spacing: -0.03em; }
h3 { font-size: clamp(1.1rem, 2vw, 1.32rem); line-height: 1.24; font-weight: 600; letter-spacing: -0.02em; }
h4 { font-size: 0.97rem; font-weight: 600; }
p  { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

/* --- Layout Utilities --- */
.container {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 1.75rem;
}
.section    { padding: 6rem 0; }
.section-sm { padding: 3.5rem 0; }
.section-lg { padding: 8.5rem 0; }

.section-header { text-align: center; max-width: 660px; margin: 0 auto 4rem; }
.section-header .eyebrow {
  display: block;
  font-size: 0.65rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 0.85rem;
  font-family: var(--font);
}
.section-header h2 { margin-bottom: 1rem; color: var(--navy); }
.section-header p { color: var(--text-muted); font-size: 1.05rem; line-height: 1.8; }

/* No decorative bar under section headings — Apple style is clean */
.section-header h2::after { display: none; }

.eyebrow {
  display: inline-block;
  font-family: var(--font);
  font-size: 0.65rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--text-muted);
}

.bg-grey  {
  background-color: var(--grey-50);
  background-image: radial-gradient(circle, rgba(0,0,0,0.035) 1px, transparent 1px);
  background-size: 24px 24px;
}
.bg-navy  { background: var(--grey-50); }
.bg-white { background: var(--white); }

/* --- Skip Link --- */
.skip-link {
  position: absolute; top: -99px; left: 1rem;
  background: var(--navy); color: #fff;
  padding: 0.5rem 1rem; border-radius: var(--radius);
  z-index: 9999; font-weight: 600; font-size: 0.85rem;
}
.skip-link:focus { top: 1rem; }

/* ============================================================
   NAVBAR
   ============================================================ */
.navbar {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,0.88);
  backdrop-filter: saturate(180%) blur(20px);
  -webkit-backdrop-filter: saturate(180%) blur(20px);
  border-bottom: 1px solid rgba(0,0,0,0.08);
  transition: box-shadow var(--transition);
}
.navbar.scrolled { box-shadow: 0 1px 12px rgba(0,0,0,.07); }
.navbar-inner {
  display: flex; align-items: center;
  justify-content: space-between;
  height: 72px; gap: 2rem;
}
.navbar-logo { display: flex; flex-direction: column; gap: 3px; }
.logo-name {
  font-family: var(--font-display);
  font-weight: 700; font-size: 1rem;
  color: var(--navy); letter-spacing: -0.02em;
}
.logo-tag {
  font-family: var(--font);
  font-size: 0.62rem; color: var(--grey-400);
  font-weight: 500; letter-spacing: 0.06em;
  text-transform: uppercase;
}
.navbar-links { display: flex; align-items: center; gap: 0; }
.navbar-links a {
  font-family: var(--font);
  font-size: 0.875rem; font-weight: 500; color: var(--text-muted);
  padding: 0.5rem 0.85rem; border-radius: var(--radius-sm);
  transition: color var(--transition);
  position: relative;
}
.navbar-links a::after {
  content: '';
  position: absolute; bottom: 0; left: 50%; right: 50%;
  height: 2px; background: var(--navy);
  border-radius: 2px; transition: left var(--transition), right var(--transition);
}
.navbar-links a:hover { color: var(--navy); }
.navbar-links a:hover::after,
.navbar-links a.active::after { left: 0.85rem; right: 0.85rem; }
.navbar-links a.active { color: var(--navy); }
.navbar-cta { margin-left: 0.75rem; }
.navbar-hamburger {
  display: none; flex-direction: column; gap: 5px;
  background: none; border: none; cursor: pointer; padding: 0.5rem;
}
.navbar-hamburger span {
  display: block; width: 22px; height: 2px;
  background: var(--navy); border-radius: 2px;
  transition: all 0.22s ease;
}
.navbar-hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.navbar-hamburger.open span:nth-child(2) { opacity: 0; }
.navbar-hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }
.mobile-nav {
  display: none; flex-direction: column;
  background: var(--white); border-top: 1px solid var(--border);
  padding: 0.75rem 1.75rem 1.5rem;
}
.mobile-nav.open { display: flex; }
.mobile-nav a {
  font-size: 0.95rem; font-weight: 500; color: var(--text);
  padding: 0.7rem 0; border-bottom: 1px solid var(--grey-100);
}
.mobile-nav a:last-child { border-bottom: none; margin-top: 0.75rem; }

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: 0.4rem; font-family: var(--font); font-size: 0.875rem;
  font-weight: 600; letter-spacing: 0.01em;
  border-radius: var(--radius-pill);
  padding: 0.75rem 1.65rem; cursor: pointer;
  border: 2px solid transparent;
  transition: all 0.22s ease;
  white-space: nowrap; text-decoration: none; line-height: 1;
}
.btn svg { width: 15px; height: 15px; flex-shrink: 0; }
.btn-primary {
  background: var(--navy); color: #fff; border-color: var(--navy);
  box-shadow: 0 2px 8px rgba(24,48,92,.18);
}
.btn-primary:hover {
  background: var(--navy-dark); border-color: var(--navy-dark);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(24,48,92,.22);
}
.btn-outline {
  background: transparent; color: var(--navy); border-color: var(--navy);
}
.btn-outline:hover { background: var(--navy); color: #fff; transform: translateY(-1px); }
.btn-outline-white {
  background: transparent; color: var(--navy); border-color: var(--navy);
}
.btn-outline-white:hover { background: var(--navy); color: #fff; }
.btn-outline-navy {
  background: transparent; color: var(--navy); border-color: var(--navy);
}
.btn-outline-navy:hover { background: var(--navy); color: #fff; }
.btn-lg { padding: 0.9rem 2.15rem; font-size: 0.95rem; }
.btn-sm { padding: 0.45rem 1rem; font-size: 0.8rem; }

/* ============================================================
   HERO  — Dramatic white hero, large editorial typography
   ============================================================ */
.hero {
  background: var(--navy);
  color: #fff;
  padding: 6rem 0 0;
  overflow: hidden; position: relative;
  border-bottom: none;
}
/* Subtle dot grid texture */
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,0.06) 1px, transparent 1px);
  background-size: 28px 28px;
  pointer-events: none;
}
/* Radial light orb — top right */
.hero::after {
  content: '';
  position: absolute; top: -20%; right: -5%;
  width: 55%; height: 90%;
  background: radial-gradient(ellipse, rgba(60,100,200,0.25) 0%, transparent 70%);
  pointer-events: none;
}
.hero-inner {
  display: grid; grid-template-columns: 1fr 380px;
  gap: 4rem; align-items: center; padding-bottom: 5.5rem;
  position: relative; z-index: 1;
}
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 0.6rem;
  font-family: var(--font);
  font-size: 0.68rem; font-weight: 600; letter-spacing: 0.16em;
  text-transform: uppercase; color: rgba(255,255,255,0.5); margin-bottom: 1.5rem;
  opacity: 1;
}
.hero-eyebrow::before {
  content: ''; display: block; width: 20px; height: 1.5px;
  background: rgba(255,255,255,0.3); opacity: 1;
}
.hero h1 {
  color: #fff; margin-bottom: 1.5rem;
  font-size: clamp(2.6rem, 5.5vw, 4.2rem);
  line-height: 1.06; letter-spacing: -0.03em;
}
.hero h1 em { font-style: normal; font-weight: 800; color: rgba(180,205,255,0.95); }
.hero-lead {
  color: rgba(255,255,255,0.68); font-size: 1.08rem;
  line-height: 1.8; margin-bottom: 2.25rem; max-width: 480px;
}
.hero-actions { display: flex; align-items: center; flex-wrap: wrap; gap: 0.85rem; }
/* Buttons on dark hero background */
.hero .btn-primary {
  background: #fff; color: var(--navy); border-color: #fff;
  box-shadow: 0 4px 16px rgba(0,0,0,0.20);
}
.hero .btn-primary:hover {
  background: rgba(255,255,255,0.9); border-color: rgba(255,255,255,0.9);
  transform: translateY(-1px);
}
.hero .btn-outline-white {
  color: rgba(255,255,255,0.9); border-color: rgba(255,255,255,0.35);
  background: transparent;
}
.hero .btn-outline-white:hover {
  background: rgba(255,255,255,0.10); border-color: rgba(255,255,255,0.65);
}
.hero .btn-outline { color: rgba(255,255,255,0.9); border-color: rgba(255,255,255,0.35); background: transparent; }
.hero .btn-outline:hover { background: rgba(255,255,255,0.10); border-color: rgba(255,255,255,0.65); }

/* Hero photo card — glows against dark hero */
.hero-photo-card {
  background: var(--navy-light);
  border-radius: 28px; overflow: hidden;
  box-shadow: 0 40px 100px rgba(0,0,0,0.45), 0 10px 30px rgba(0,0,0,0.20);
  aspect-ratio: 4/5; position: relative;
  border: 1px solid rgba(255,255,255,0.10);
}
.hero-photo-card img {
  width: 100%; height: 100%;
  object-fit: cover; object-position: top center; display: block;
  filter: contrast(1.06) brightness(1.03) saturate(1.08);
}

/* Stats bar — dark continuation of hero, then clean white below */
.hero-stats {
  background: rgba(0,0,0,0.22);
  border-top: 1px solid rgba(255,255,255,0.08);
  position: relative; z-index: 1;
}
.hero-stats-inner { display: flex; align-items: stretch; }
.hero-stat {
  flex: 1; padding: 1.5rem 1.5rem;
  border-right: 1px solid rgba(255,255,255,0.08);
  text-align: center;
}
.hero-stat:last-child { border-right: none; }
.hero-stat-number {
  display: block; font-family: var(--font-display);
  font-size: 1.75rem; font-weight: 700;
  color: #fff; line-height: 1; margin-bottom: 0.3rem;
  letter-spacing: -0.03em;
}
.hero-stat-label {
  font-family: var(--font);
  font-size: 0.69rem; color: rgba(255,255,255,0.5); font-weight: 500;
  letter-spacing: 0.04em; text-transform: uppercase;
}

/* ============================================================
   TRUST BAR
   ============================================================ */
.trust-bar {
  background: var(--white); border-bottom: 1px solid var(--border); padding: 1.2rem 0;
}
.trust-bar-inner {
  display: flex; align-items: center; justify-content: center;
  flex-wrap: wrap; gap: 0.5rem 2.25rem;
}
.trust-item {
  display: flex; align-items: center; gap: 0.5rem;
  font-family: var(--font);
  font-size: 0.8rem; font-weight: 600; color: var(--text-muted);
  letter-spacing: 0.01em;
}
.trust-item svg { width: 14px; height: 14px; color: var(--navy); flex-shrink: 0; }
.trust-sep { color: var(--grey-200); font-size: 1.1rem; line-height: 1; }

/* ============================================================
   CARDS — Gold accent on hover, elevated shadow
   ============================================================ */
.card {
  background: var(--white);
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: var(--radius-lg); padding: 2.25rem;
  transition: box-shadow 0.25s ease, border-color 0.25s ease, transform 0.25s ease;
}
.card:hover {
  box-shadow: var(--shadow-md);
  border-color: rgba(0,0,0,0.12);
  transform: translateY(-2px);
}
.card-icon {
  width: 52px; height: 52px;
  background: var(--grey-50);
  border-radius: var(--radius-icon);
  border: 1px solid rgba(0,0,0,0.07);
  display: flex; align-items: center;
  justify-content: center; margin-bottom: 1.4rem;
}
.card-icon svg { width: 24px; height: 24px; color: var(--navy); }

/* ============================================================
   SERVICE CARDS — on homepage
   ============================================================ */
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.service-card {
  background: var(--white);
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: var(--radius-lg); padding: 2rem;
  transition: all 0.22s ease;
  display: flex; flex-direction: column;
}
.service-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
  border-color: rgba(0,0,0,0.11);
}
.service-card-icon {
  width: 52px; height: 52px;
  background: var(--grey-50);
  border-radius: var(--radius-icon);
  border: 1px solid rgba(0,0,0,0.07);
  display: flex; align-items: center;
  justify-content: center; margin-bottom: 1.3rem;
}
.service-card-icon svg { width: 24px; height: 24px; color: var(--navy); }
.service-card h3 { font-size: 1.05rem; margin-bottom: 0.5rem; color: var(--text); font-weight: 600; }
.service-card p {
  font-size: 0.88rem; color: var(--text-muted);
  line-height: 1.72; flex: 1; margin-bottom: 1.25rem;
}
.service-card-link {
  font-family: var(--font);
  font-size: 0.82rem; font-weight: 600; color: var(--navy);
  display: inline-flex; align-items: center; gap: 0.35rem;
  transition: gap var(--transition);
  letter-spacing: 0.01em;
}
.service-card-link:hover { gap: 0.6rem; }

/* ============================================================
   ABOUT INTRO
   ============================================================ */
.about-intro-grid {
  display: grid; grid-template-columns: 1fr 400px;
  gap: 5rem; align-items: center;
}
.about-intro-photo {
  border-radius: 24px; overflow: hidden;
  aspect-ratio: 4/5; background: var(--grey-100);
  box-shadow: 0 24px 60px rgba(0,0,0,0.13), 0 6px 16px rgba(0,0,0,0.06);
}
.about-intro-photo img {
  width: 100%; height: 100%;
  object-fit: cover; object-position: top center;
  filter: contrast(1.05) brightness(1.02) saturate(1.06);
}

/* ============================================================
   PROCESS STEPS
   ============================================================ */
.steps-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 2.5rem; position: relative;
}
.step-card { text-align: center; padding: 2rem 1.5rem; }
.step-num {
  width: 52px; height: 52px;
  background: var(--navy);
  color: #fff; border-radius: var(--radius-icon); display: flex;
  align-items: center; justify-content: center;
  font-family: var(--font-display);
  font-size: 1.1rem; font-weight: 700; margin: 0 auto 1.4rem;
  box-shadow: 0 4px 14px rgba(24,48,92,0.20);
}
.step-card h3 { font-size: 1.05rem; margin-bottom: 0.6rem; color: var(--navy); }
.step-card p { font-size: 0.89rem; color: var(--text-muted); line-height: 1.7; }

/* ============================================================
   TESTIMONIALS — editorial with large quote marks
   ============================================================ */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
section.bg-navy {
  background: var(--grey-50) !important;
}
section.bg-navy .section-header .eyebrow { color: var(--text-muted); }
section.bg-navy .section-header h2 { color: var(--navy); }
section.bg-navy .section-header p { color: var(--text-muted); }

.testimonial-card {
  background: var(--white);
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: var(--radius-lg);
  padding: 2rem 1.75rem 1.75rem;
  box-shadow: var(--shadow-card);
  position: relative;
}
.testimonial-card::before { display: none; }  /* No big quote mark — cleaner */
.testimonial-stars { display: flex; gap: 3px; margin-bottom: 1rem; }
.testimonial-stars svg { width: 13px; height: 13px; color: #f59e0b; }
.testimonial-body {
  font-family: var(--font);
  font-size: 0.97rem; color: var(--text);
  line-height: 1.78; margin-bottom: 1.2rem;
  font-style: normal; font-weight: 400;
}
.testimonial-author {
  font-family: var(--font);
  font-size: 0.73rem; font-weight: 700;
  color: var(--grey-400); letter-spacing: 0.08em;
  text-transform: uppercase; position: relative;
}

/* ============================================================
   LOCAL AREA
   ============================================================ */
.area-pills { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-top: 1.5rem; }
.area-pill {
  background: var(--grey-50); color: var(--navy);
  font-family: var(--font);
  font-size: 0.8rem; font-weight: 500;
  padding: 0.35rem 0.9rem; border-radius: var(--radius-pill);
  border: 1px solid rgba(0,0,0,0.09);
  transition: all var(--transition);
}
.area-pill:hover { background: var(--navy); color: #fff; border-color: var(--navy); }
.local-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }

/* ============================================================
   BLOG CARDS
   ============================================================ */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.blog-card {
  background: var(--white); border: 1px solid rgba(0,0,0,0.08);
  border-radius: var(--radius-lg); overflow: hidden;
  transition: all 0.22s ease; display: flex; flex-direction: column;
}
.blog-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
  border-color: rgba(0,0,0,0.11);
}

/* Blog card visual header — colored gradient per topic */
.blog-card-header {
  height: 120px; position: relative; overflow: hidden;
  display: flex; align-items: flex-end; padding: 1.1rem 1.4rem;
  flex-shrink: 0;
}
.blog-card-header::before {
  content: ''; position: absolute; inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,0.06) 1px, transparent 1px);
  background-size: 20px 20px;
}
.blog-card-header::after {
  content: ''; position: absolute;
  bottom: -30px; right: -30px;
  width: 120px; height: 120px;
  border-radius: 50%;
  background: rgba(255,255,255,0.06);
}
.blog-header-pensions   { background: linear-gradient(135deg, #0d1e3a 0%, #18305c 60%, #1e4080 100%); }
.blog-header-estate     { background: linear-gradient(135deg, #0f2d1a 0%, #1a4d2a 60%, #226035 100%); }
.blog-header-tax        { background: linear-gradient(135deg, #1a1200 0%, #3d2b00 60%, #5c4010 100%); }

.blog-card-header-label {
  position: relative; z-index: 1;
  font-family: var(--font);
  font-size: 0.6rem; font-weight: 700; letter-spacing: 0.18em;
  text-transform: uppercase; color: rgba(255,255,255,0.55);
}
.blog-card-header-icon {
  position: absolute; top: 1.1rem; right: 1.3rem; z-index: 1;
  width: 36px; height: 36px; border-radius: 9px;
  background: rgba(255,255,255,0.1);
  display: flex; align-items: center; justify-content: center;
}
.blog-card-header-icon svg { width: 17px; height: 17px; color: rgba(255,255,255,0.7); }

.blog-card-tag { padding: 1.25rem 1.5rem 0; }
.tag {
  display: inline-block;
  font-family: var(--font);
  font-size: 0.63rem; font-weight: 600;
  letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--navy-light); background: var(--navy-xlight);
  padding: 0.25rem 0.75rem; border-radius: var(--radius-pill);
}
.blog-card-body { padding: 0.75rem 1.5rem 1.5rem; flex: 1; display: flex; flex-direction: column; }
.blog-card-body h3 { font-size: 1rem; margin-bottom: 0.5rem; color: var(--navy); line-height: 1.38; }
.blog-card-body p { font-size: 0.875rem; color: var(--text-muted); flex: 1; margin-bottom: 1rem; line-height: 1.68; }
.blog-card-meta {
  font-family: var(--font);
  font-size: 0.74rem; color: var(--grey-400);
  display: flex; gap: 0.75rem; align-items: center;
}
.blog-card-link {
  font-family: var(--font);
  font-size: 0.82rem; font-weight: 600; color: var(--navy);
  display: inline-flex; align-items: center; gap: 0.35rem;
  transition: gap var(--transition);
}
.blog-card-link:hover { gap: 0.55rem; }

/* ============================================================
   CTA STRIP — keeps navy with premium treatment
   ============================================================ */
.cta-strip {
  background: var(--navy-dark);
  padding: 6rem 0; text-align: center; color: #fff; position: relative;
  overflow: hidden;
}
/* Radial glow + dot grid */
.cta-strip::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 80% 120% at 50% 50%, rgba(30,64,200,0.18) 0%, transparent 65%),
    radial-gradient(circle, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: auto, 32px 32px;
  pointer-events: none;
}
/* Diagonal accent line */
.cta-strip::after {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.15), transparent);
  pointer-events: none;
}
.cta-strip::after { display: none; }
.cta-strip h2 {
  color: #fff; margin-bottom: 0.85rem;
  position: relative; font-size: clamp(1.8rem, 3vw, 2.5rem);
}
.cta-strip h2::after { display: none; } /* don't show gold bar in CTA */
.cta-strip p {
  color: rgba(255,255,255,0.72); max-width: 520px;
  margin: 0 auto 2.25rem; position: relative; font-size: 1.05rem; line-height: 1.78;
}
.cta-strip-actions { display: flex; gap: 0.9rem; justify-content: center; flex-wrap: wrap; position: relative; }
.cta-strip .btn-outline,
.cta-strip .btn-outline-white,
.cta-strip .btn-outline-navy {
  color: #fff; border-color: rgba(255,255,255,0.45);
  background: transparent;
}
.cta-strip .btn-outline:hover,
.cta-strip .btn-outline-white:hover,
.cta-strip .btn-outline-navy:hover {
  background: rgba(255,255,255,0.12); border-color: rgba(255,255,255,0.75); transform: translateY(-2px);
}

/* ============================================================
   FOOTER — premium dark with gold accent
   ============================================================ */
.footer {
  background: #111827;
  color: rgba(255,255,255,0.55); padding: 5rem 0 0;
  border-top: 1px solid rgba(255,255,255,0.06);
}
.footer-grid {
  display: grid; grid-template-columns: 2.2fr 1fr 1fr 1fr;
  gap: 3.5rem; padding-bottom: 3.5rem;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.footer-brand .logo-name { color: #fff; font-size: 1.05rem; }
.footer-brand .logo-tag { color: rgba(255,255,255,0.35); }
.footer-brand p {
  font-size: 0.84rem; line-height: 1.75;
  color: rgba(255,255,255,0.44); margin-top: 1.1rem; max-width: 280px;
}
.footer-col h4 {
  font-family: var(--font);
  font-size: 0.65rem; font-weight: 700;
  letter-spacing: 0.16em; text-transform: uppercase;
  color: rgba(255,255,255,0.3); margin-bottom: 1.15rem;
}
.footer-col a {
  display: block; font-size: 0.84rem;
  color: rgba(255,255,255,0.52); padding: 0.32rem 0;
  transition: color var(--transition);
}
.footer-col a:hover { color: rgba(255,255,255,0.88); }
.footer-social { display: flex; gap: 0.6rem; margin-top: 1.35rem; }
.footer-social a {
  width: 36px; height: 36px; border-radius: var(--radius-sm);
  border: 1px solid rgba(255,255,255,0.1);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.4); transition: all var(--transition); padding: 0;
}
.footer-social a:hover { border-color: rgba(255,255,255,0.45); color: rgba(255,255,255,0.9); }
.footer-social svg { width: 15px; height: 15px; }
.footer-bottom {
  padding: 1.5rem 0;
  display: flex; align-items: center; justify-content: space-between;
  gap: 1rem; flex-wrap: wrap;
  font-size: 0.77rem; color: rgba(255,255,255,0.28);
}
.footer-bottom a { color: rgba(255,255,255,0.38); transition: color var(--transition); }
.footer-bottom a:hover { color: rgba(255,255,255,0.65); }
.reg-footer {
  background: rgba(0,0,0,0.3); border-top: 1px solid rgba(255,255,255,0.04);
  padding: 1.35rem 0;
}
.reg-footer p {
  font-size: 0.7rem; color: rgba(255,255,255,0.25);
  line-height: 1.7; margin: 0;
}
.reg-footer a { color: rgba(255,255,255,0.36); text-decoration: underline; }
.reg-footer a:hover { color: rgba(255,255,255,0.58); }

/* ============================================================
   PAGE HERO (inner pages)
   ============================================================ */
.page-hero {
  background: var(--white);
  padding: 5rem 0 4rem; color: var(--navy);
  position: relative; overflow: hidden;
  border-bottom: 1px solid rgba(0,0,0,0.07);
}
.page-hero::before { display: none; }
.page-hero::after  { display: none; }
.page-hero .eyebrow { color: var(--navy); opacity: 0.55; margin-bottom: 0.75rem; }
.page-hero h1 { color: var(--navy); margin-bottom: 0.75rem; }
.page-hero p { color: var(--text-muted); font-size: 1.08rem; margin: 0; line-height: 1.78; }

/* ============================================================
   SERVICES PAGE
   ============================================================ */
.service-section { padding: 4.5rem 0; border-bottom: 1px solid var(--border); }
.service-section:last-child { border-bottom: none; }
.service-section-inner {
  display: grid; grid-template-columns: 1fr 300px;
  gap: 4.5rem; align-items: start;
}
.service-checklist { display: flex; flex-direction: column; gap: 0.6rem; margin: 1.5rem 0; }
.service-checklist li {
  display: flex; align-items: flex-start; gap: 0.7rem;
  font-size: 0.92rem; color: var(--text); line-height: 1.62;
}
.service-checklist li::before {
  content: '';
  width: 20px; height: 20px; flex-shrink: 0; margin-top: 0px;
  background: var(--navy);
  border-radius: 50%;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='%23ffffff'%3E%3Cpath fill-rule='evenodd' d='M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z' clip-rule='evenodd'/%3E%3C/svg%3E");
  background-size: 11px; background-repeat: no-repeat; background-position: center;
}
.service-sidebar-card {
  background: var(--grey-50); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 2rem;
  position: sticky; top: 88px;
}
.service-sidebar-card h4 { margin-bottom: 0.5rem; color: var(--navy); font-size: 0.97rem; }
.service-sidebar-card p { font-size: 0.87rem; color: var(--text-muted); margin-bottom: 1.2rem; }
.risk-warning {
  font-size: 0.77rem; color: var(--text-muted);
  background: var(--grey-50); border-left: 3px solid var(--navy);
  padding: 0.85rem 1.1rem; border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  margin-top: 1.75rem; line-height: 1.62;
}
.protection-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1rem; margin: 1.5rem 0; }
.protection-item {
  background: var(--grey-50); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 1.1rem 1.2rem;
}
.protection-item h4 { font-size: 0.88rem; color: var(--navy); margin-bottom: 0.3rem; }
.protection-item p { font-size: 0.8rem; color: var(--text-muted); margin: 0; }

/* Professionals referral card */
.professionals-card {
  background: var(--navy);
  border-radius: var(--radius-lg); padding: 2.25rem;
  color: #fff; margin-top: 3rem;
}
.professionals-card h3 { color: #fff; margin-bottom: 0.75rem; }
.professionals-card p { font-size: 0.91rem; color: rgba(255,255,255,0.75); margin-bottom: 0.75rem; }
.professionals-card p:last-child { margin-bottom: 0; }
.professionals-list {
  display: flex; flex-wrap: wrap; gap: 0.5rem; margin-top: 1.1rem;
}
.professionals-list span {
  font-family: var(--font);
  font-size: 0.8rem; font-weight: 600;
  background: rgba(255,255,255,0.1); color: rgba(255,255,255,0.88);
  padding: 0.35rem 0.9rem; border-radius: var(--radius-pill);
  border: 1px solid rgba(255,255,255,0.15);
}

/* ============================================================
   CASHFLOW PAGE
   ============================================================ */
.cashflow-hero {
  background: var(--white);
  padding: 5.5rem 0 0; color: var(--navy);
  overflow: hidden; position: relative;
  border-bottom: 1px solid rgba(0,0,0,0.07);
}
.cashflow-hero::before { display: none; }
.cashflow-hero::after  { display: none; }
.cashflow-hero-inner {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 3.5rem; align-items: start; padding-bottom: 5rem;
  position: relative; z-index: 1;
}
.cashflow-hero h1 { color: var(--navy); margin-bottom: 1.1rem; }
.cashflow-hero p { color: var(--text-muted); font-size: 1.05rem; margin-bottom: 1.5rem; line-height: 1.78; }
.cashflow-hero .hero-eyebrow { color: var(--navy-light); opacity: 0.65; }

/* Chart wrapper */
.chart-wrapper {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 1.65rem;
  box-shadow: var(--shadow-md);
}
.chart-title {
  font-family: var(--font);
  font-size: 0.68rem; font-weight: 700; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--grey-400); margin-bottom: 0.85rem;
}
#cashflow-canvas { display: block; width: 100%; border-radius: var(--radius); }
.chart-legend {
  display: flex; flex-wrap: wrap; gap: 0.75rem 1.35rem; margin-top: 1.1rem;
  font-family: var(--font);
  font-size: 0.74rem; color: var(--text-muted);
}
.legend-item { display: flex; align-items: center; gap: 0.4rem; }
.legend-dot { width: 10px; height: 10px; border-radius: 2px; flex-shrink: 0; }
.legend-line { width: 16px; height: 2.5px; flex-shrink: 0; border-radius: 2px; }
.legend-band { width: 16px; height: 9px; border-radius: 3px; flex-shrink: 0; }

/* Scenario tabs */
.scenario-tabs {
  display: flex; gap: 0.4rem; flex-wrap: wrap; margin-bottom: 0.9rem;
}
.scenario-btn {
  font-family: var(--font);
  font-size: 0.75rem; font-weight: 600;
  padding: 0.32rem 0.9rem;
  border-radius: var(--radius-pill);
  border: 1.5px solid var(--border);
  background: var(--white);
  color: var(--text-muted);
  cursor: pointer;
  transition: all 0.18s ease;
  line-height: 1.4;
}
.scenario-btn:hover { border-color: var(--navy); color: var(--navy); }
.scenario-btn.active { border-color: var(--navy); background: var(--navy); color: var(--white); }

/* Feature cards */
.cashflow-features {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 1rem; margin-top: 2.25rem;
}
.cashflow-feature {
  background: var(--grey-50);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 1.35rem;
}
.cashflow-feature-icon {
  width: 40px; height: 40px;
  background: var(--grey-50); border-radius: 10px;
  border: 1px solid rgba(0,0,0,0.07);
  display: flex; align-items: center; justify-content: center; margin-bottom: 0.85rem;
}
.cashflow-feature-icon svg { width: 20px; height: 20px; color: var(--navy); }
.cashflow-feature h4 { font-size: 0.88rem; color: var(--navy); margin-bottom: 0.3rem; }
.cashflow-feature p { font-size: 0.8rem; color: var(--text-muted); margin: 0; line-height: 1.65; }

/* Shows grid */
.cashflow-shows-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.75rem; }
.cashflow-shows-item { display: flex; gap: 1rem; align-items: flex-start; }
.cashflow-shows-num {
  width: 34px; height: 34px;
  background: var(--navy); border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font);
  font-size: 0.8rem; font-weight: 700; color: #fff; flex-shrink: 0;
}
.cashflow-shows-item h4 { font-size: 0.93rem; margin-bottom: 0.28rem; color: var(--navy); }
.cashflow-shows-item p { font-size: 0.86rem; color: var(--text-muted); margin: 0; line-height: 1.7; }

/* FAQ accordion */
.faq-list { border-top: 1px solid var(--border); }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-q {
  width: 100%; background: none; border: none; text-align: left;
  font-family: var(--font); font-size: 0.96rem; font-weight: 600;
  color: var(--text); cursor: pointer;
  padding: 1.3rem 0; display: flex; align-items: center;
  justify-content: space-between; gap: 1.25rem;
  transition: color var(--transition);
}
.faq-q:hover { color: var(--navy); }
.faq-q:focus-visible { outline: 2px solid var(--navy); outline-offset: 2px; border-radius: 2px; }
.faq-q[aria-expanded="true"] { color: var(--navy); }
.faq-icon {
  width: 24px; height: 24px; border-radius: 50%;
  background: var(--grey-100); display: flex; align-items: center;
  justify-content: center; flex-shrink: 0;
  transition: background var(--transition), transform var(--transition);
}
.faq-q[aria-expanded="true"] .faq-icon { background: var(--navy); transform: rotate(45deg); }
.faq-icon svg { width: 11px; height: 11px; color: var(--text-muted); }
.faq-q[aria-expanded="true"] .faq-icon svg { color: #fff; }
.faq-a {
  overflow: hidden; max-height: 0;
  transition: max-height 0.35s ease, padding 0.35s ease;
}
.faq-a.open { max-height: 500px; padding-bottom: 1.3rem; }
.faq-a p { font-size: 0.91rem; color: var(--text-muted); margin: 0; line-height: 1.82; }

/* ============================================================
   ABOUT PAGE
   ============================================================ */
.about-hero-grid {
  display: grid; grid-template-columns: 1fr 400px;
  gap: 5rem; align-items: center;
}
.about-photo-wrap {
  border-radius: 24px; overflow: hidden;
  aspect-ratio: 4/5; background: var(--grey-100);
  box-shadow: 0 24px 60px rgba(0,0,0,0.13), 0 6px 16px rgba(0,0,0,0.06);
}
.about-photo-wrap img {
  width: 100%; height: 100%;
  object-fit: cover; object-position: top center;
  filter: contrast(1.05) brightness(1.02) saturate(1.06);
}
.quals-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.25rem; }
.qual-card {
  background: var(--white); border: 1px solid rgba(0,0,0,0.08);
  border-radius: var(--radius-lg); padding: 1.65rem;
  transition: all 0.22s ease;
}
.qual-card:hover { box-shadow: var(--shadow-card); border-color: rgba(0,0,0,0.12); }
.qual-card-icon {
  width: 42px; height: 42px;
  background: var(--grey-50); border-radius: 10px;
  border: 1px solid rgba(0,0,0,0.07);
  display: flex; align-items: center;
  justify-content: center; margin-bottom: 0.9rem;
}
.qual-card-icon svg { width: 20px; height: 20px; color: var(--navy); }
.qual-card h4 { font-size: 0.89rem; color: var(--navy); margin-bottom: 0.28rem; }
.qual-card p { font-size: 0.81rem; color: var(--text-muted); margin: 0; line-height: 1.65; }
.values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.35rem; }
.value-card {
  background: var(--white); border: 1px solid rgba(0,0,0,0.08);
  border-radius: var(--radius-lg); padding: 2rem;
  transition: all 0.22s ease;
}
.value-card:hover { border-color: rgba(0,0,0,0.12); box-shadow: var(--shadow-card); }
.value-num {
  font-family: var(--font-display);
  font-size: 2.8rem; font-weight: 600;
  color: var(--grey-100); line-height: 1; margin-bottom: 0.75rem;
}
.value-card h4 { color: var(--navy); margin-bottom: 0.45rem; font-size: 0.95rem; }
.value-card p { font-size: 0.86rem; color: var(--text-muted); margin: 0; line-height: 1.7; }

/* Fintuity info card */
.fintuity-card {
  background: var(--navy-xlight);
  border: 1px solid rgba(24,48,92,0.12); border-radius: var(--radius-lg);
  padding: 2.25rem;
  border-left: 4px solid var(--navy);
}
.fintuity-card h3 { color: var(--navy); margin-bottom: 0.75rem; }
.fintuity-card p { font-size: 0.91rem; color: var(--text-muted); margin-bottom: 0.9rem; }
.fintuity-card p:last-child { margin-bottom: 0; }

/* ============================================================
   CONTACT PAGE
   ============================================================ */
.contact-grid { display: grid; grid-template-columns: 1fr 340px; gap: 3.5rem; align-items: start; }
.contact-form-wrap {
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 2.5rem;
  box-shadow: var(--shadow-card);
}
.contact-info-card {
  background: var(--grey-50); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 1.75rem; margin-bottom: 1.25rem;
}
.contact-info-card h3 { font-size: 1rem; color: var(--navy); margin-bottom: 1.1rem; }
.contact-detail {
  display: flex; align-items: flex-start; gap: 0.75rem;
  margin-bottom: 0.85rem; font-size: 0.88rem;
}
.contact-detail:last-child { margin-bottom: 0; }
.contact-detail svg { width: 17px; height: 17px; color: var(--navy); flex-shrink: 0; margin-top: 1px; }
.next-steps-card {
  background: var(--navy);
  border-radius: var(--radius-lg); padding: 1.75rem; color: #fff;
}
.next-steps-card h3 { color: #fff; font-size: 0.97rem; margin-bottom: 1.2rem; }
.next-step {
  display: flex; gap: 0.75rem; align-items: flex-start;
  margin-bottom: 0.95rem; font-size: 0.86rem; color: rgba(255,255,255,0.72);
}
.next-step:last-child { margin-bottom: 0; }
.next-step-num {
  width: 26px; height: 26px; background: rgba(255,255,255,0.1);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-family: var(--font);
  font-size: 0.72rem; font-weight: 700; color: rgba(255,255,255,0.8); flex-shrink: 0;
}
.calendly-placeholder {
  background: var(--grey-50); border: 2px dashed var(--border);
  border-radius: var(--radius-lg); padding: 2.75rem 1.5rem;
  text-align: center; color: var(--text-muted); font-size: 0.88rem;
}

/* ============================================================
   FORMS
   ============================================================ */
.form-group { display: flex; flex-direction: column; gap: 0.38rem; margin-bottom: 1.2rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.1rem; }
label { font-family: var(--font); font-size: 0.8rem; font-weight: 600; color: var(--text); }
input[type="text"], input[type="email"], input[type="tel"], select, textarea {
  width: 100%; font-family: var(--font); font-size: 0.91rem;
  color: var(--text); background: var(--white);
  border: 1.5px solid var(--border); border-radius: var(--radius-sm);
  padding: 0.7rem 0.9rem; transition: border-color var(--transition), box-shadow var(--transition);
  outline: none; -webkit-appearance: none;
}
input:focus, select:focus, textarea:focus {
  border-color: var(--navy); box-shadow: 0 0 0 3px rgba(24,48,92,.09);
}
textarea { resize: vertical; min-height: 115px; }
.checkbox-label {
  display: flex; align-items: flex-start; gap: 0.65rem;
  cursor: pointer; font-family: var(--font); font-size: 0.82rem; color: var(--text-muted); line-height: 1.55;
}
.checkbox-label input[type="checkbox"] {
  width: 16px; height: 16px; min-width: 16px;
  margin-top: 2px; accent-color: var(--navy); padding: 0;
}
.form-submit-row { margin-top: 1.5rem; }

/* ============================================================
   REGULATORY / COMPLIANCE PAGE
   ============================================================ */
.fint-banner {
  background: #fffbeb; border: 1px solid #fcd34d;
  border-left: 4px solid #f59e0b;
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 1rem 1.25rem; font-size: 0.87rem; color: #92400e;
  margin-bottom: 1.5rem;
}
.fint-banner strong { display: block; margin-bottom: 0.2rem; }
.reg-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.35rem; }
.reg-card {
  background: var(--white); border: 1px solid rgba(0,0,0,0.08);
  border-radius: var(--radius-lg); padding: 1.75rem;
  transition: all 0.22s ease;
}
.reg-card:hover { box-shadow: var(--shadow-card); border-color: rgba(0,0,0,0.12); }
.reg-card h4 { color: var(--navy); margin-bottom: 0.5rem; }
.reg-card p { font-size: 0.87rem; color: var(--text-muted); margin: 0; line-height: 1.65; }

/* ============================================================
   ARTICLE / BLOG PAGE
   ============================================================ */
.article-layout { display: grid; grid-template-columns: 1fr 278px; gap: 4.5rem; align-items: start; }
.article-content h2 {
  font-family: var(--font-display);
  font-size: 1.35rem; margin: 2.25rem 0 0.7rem; color: var(--navy);
}
.article-content h2::after { display: none; } /* suppress ornament in articles */
.article-content h3 {
  font-family: var(--font-display);
  font-size: 1.12rem; margin: 1.65rem 0 0.5rem; color: var(--navy);
}
.article-content p { font-size: 0.96rem; line-height: 1.88; color: var(--text); }
.article-content ul, .article-content ol { padding-left: 1.5rem; margin-bottom: 1.1rem; }
.article-content ul { list-style: disc; }
.article-content ol { list-style: decimal; }
.article-content li { font-size: 0.95rem; margin-bottom: 0.45rem; line-height: 1.75; }
.article-risk {
  background: var(--grey-50); border: 1px solid rgba(0,0,0,0.07);
  border-left: 3px solid var(--navy); border-radius: 0 var(--radius) var(--radius) 0;
  padding: 0.95rem 1.2rem; font-size: 0.8rem; color: var(--text-muted); margin: 1.75rem 0;
}
.article-sidebar { position: sticky; top: 88px; }
.article-cta-card {
  background: var(--navy);
  border-radius: var(--radius-lg); padding: 1.75rem; color: #fff; margin-bottom: 1.25rem;
}
.article-cta-card h4 { color: #fff; margin-bottom: 0.5rem; font-size: 0.97rem; }
.article-cta-card p { color: rgba(255,255,255,0.68); font-size: 0.86rem; margin-bottom: 1.25rem; }
.article-toc {
  background: var(--grey-50); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 1.5rem;
}
.article-toc h4 {
  font-family: var(--font);
  font-size: 0.66rem; color: var(--text-muted); margin-bottom: 0.85rem;
  font-weight: 700; text-transform: uppercase; letter-spacing: 0.12em;
}
.article-toc a {
  display: block; font-size: 0.83rem; color: var(--text-muted);
  padding: 0.3rem 0; border-bottom: 1px solid var(--grey-100);
  transition: color var(--transition);
}
.article-toc a:last-child { border-bottom: none; }
.article-toc a:hover { color: var(--navy); }

/* ============================================================
   BLOG INDEX
   ============================================================ */
.blog-index-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }

/* ============================================================
   PROSE / POLICY PAGES
   ============================================================ */
.prose-page { max-width: 720px; margin: 0 auto; padding: 3.5rem 1.75rem 6rem; }
.prose-page h2 {
  font-family: var(--font-display);
  font-size: 1.25rem; color: var(--navy); margin: 2.25rem 0 0.65rem;
}
.prose-page h2::after { display: none; }
.prose-page h3 {
  font-family: var(--font-display);
  font-size: 1rem; color: var(--navy); margin: 1.65rem 0 0.45rem;
}
.prose-page p { font-size: 0.95rem; line-height: 1.88; color: var(--text); margin-bottom: 1rem; }
.prose-page ul { padding-left: 1.4rem; list-style: disc; margin-bottom: 1rem; }
.prose-page li { font-size: 0.93rem; line-height: 1.75; margin-bottom: 0.35rem; }
.prose-page a { color: var(--navy); text-decoration: underline; }
.prose-page strong { color: var(--text); }

/* ============================================================
   404
   ============================================================ */
.not-found { text-align: center; padding: 7rem 1.5rem; }
.not-found .code {
  font-family: var(--font-display);
  font-size: 8rem; font-weight: 700;
  color: var(--grey-200); line-height: 1; margin-bottom: 1rem;
}
.not-found h2 { font-size: 1.85rem; margin-bottom: 0.8rem; }
.not-found p { color: var(--text-muted); margin-bottom: 2rem; }

/* ============================================================
   BLOG POST ARTICLE PAGES
   ============================================================ */

/* Dark navy header used on all insight article pages */
.blog-post-header {
  background: var(--navy);
  background-image: radial-gradient(circle, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 22px 22px;
  padding: 4.5rem 0 3rem;
  color: #fff;
}
.blog-post-header h1 {
  color: #fff;
  font-size: clamp(1.7rem, 3.5vw, 2.6rem);
  line-height: 1.1;
  margin: 0.6rem 0 1rem;
  max-width: 760px;
}
.blog-post-header .eyebrow {
  color: rgba(255,255,255,0.55);
  font-size: 0.62rem;
  letter-spacing: 0.2em;
}

/* Breadcrumb navigation inside article header */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 0.45rem;
  font-size: 0.79rem;
  color: rgba(255,255,255,0.45);
  margin-bottom: 1.5rem;
  flex-wrap: wrap;
}
.breadcrumb a {
  color: rgba(255,255,255,0.58);
  transition: color var(--transition);
}
.breadcrumb a:hover { color: rgba(255,255,255,0.9); }
.breadcrumb span { color: rgba(255,255,255,0.3); }

/* Author / date / read-time row */
.blog-post-meta {
  display: flex;
  align-items: center;
  gap: 0.55rem;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
  margin-top: 0.85rem;
  flex-wrap: wrap;
}

/* Article body — centred, readable column */
.blog-post-body {
  max-width: 740px;
  margin: 0 auto;
  padding: 4rem 1.75rem 6rem;
}
.blog-post-body h2 {
  font-family: var(--font-display);
  font-size: clamp(1.2rem, 2.5vw, 1.5rem);
  font-weight: 700;
  color: var(--navy);
  margin: 2.75rem 0 0.75rem;
  letter-spacing: -0.025em;
  line-height: 1.22;
}
.blog-post-body h3 {
  font-family: var(--font-display);
  font-size: 1.08rem;
  font-weight: 600;
  color: var(--navy);
  margin: 1.75rem 0 0.5rem;
  letter-spacing: -0.015em;
}
.blog-post-body p {
  font-size: 0.97rem;
  line-height: 1.9;
  color: var(--text);
  margin-bottom: 1.15rem;
}
.blog-post-body ul {
  list-style: disc;
  padding-left: 1.5rem;
  margin-bottom: 1.35rem;
}
.blog-post-body ol {
  list-style: decimal;
  padding-left: 1.5rem;
  margin-bottom: 1.35rem;
}
.blog-post-body li {
  font-size: 0.96rem;
  line-height: 1.78;
  color: var(--text);
  margin-bottom: 0.5rem;
}
.blog-post-body strong { color: var(--text); }
.blog-post-body a { color: var(--navy); text-decoration: underline; text-underline-offset: 2px; }
.blog-post-body a:hover { color: var(--navy-light); }

/* Mid-article CTA call-out box */
.blog-cta-box {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 2rem 2.25rem;
  margin: 2.75rem 0;
}
.blog-cta-box h3 {
  color: #fff;
  margin-bottom: 0.6rem;
  font-size: 1.12rem;
}
.blog-cta-box p {
  color: rgba(255,255,255,0.72);
  font-size: 0.92rem;
  margin-bottom: 1.35rem;
}

/* ============================================================
   BLOG RISK BOX
   ============================================================ */
.blog-risk-box {
  background: var(--grey-50); border: 1px solid var(--border);
  border-left: 3px solid var(--navy);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 1rem 1.25rem; font-size: 0.82rem;
  color: var(--text-muted); line-height: 1.68;
  margin: 1.75rem 0;
}

/* ============================================================
   ANIMATIONS
   ============================================================ */
.fade-up {
  opacity: 0; transform: translateY(28px);
  transition: opacity 0.55s ease, transform 0.55s ease;
}
.fade-up.visible { opacity: 1; transform: none; }

/* ============================================================
   RESPONSIVE
   ============================================================ */

/* ── Large tablet / small desktop (≤ 1100px) ── */
@media (max-width: 1100px) {
  /* container padding handled by clamp() above */
  .footer-grid { grid-template-columns: 2fr 1fr 1fr; gap: 2.5rem; }
  .footer-grid > .footer-col:last-child { grid-column: 1 / -1; }
}

/* ── Tablet landscape (≤ 960px) ── */
@media (max-width: 960px) {
  /* hero-inner, services-grid, steps-grid, testimonials-grid now fluid via auto-fit */
  .about-intro-grid { grid-template-columns: 1fr; gap: 3rem; }
  .about-intro-photo { max-width: 360px; }
  .cashflow-hero-inner { grid-template-columns: 1fr; gap: 2.5rem; }
  .cashflow-hero-inner > div:last-child { max-width: 600px; }
  .cashflow-features { grid-template-columns: repeat(3, 1fr); }
  .about-hero-grid { grid-template-columns: 1fr 320px; gap: 3rem; }
  .blog-grid, .blog-index-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2.5rem; }
}

/* ── Tablet portrait (≤ 768px) ── */
@media (max-width: 768px) {
  .section    { padding: 3.75rem 0; }
  .section-lg { padding: 5rem 0; }
  .container  { padding: 0 1.25rem; }

  /* Navbar */
  .navbar-inner { height: 64px; }
  .navbar-links, .navbar-cta { display: none; }
  .navbar-hamburger { display: flex; }

  /* Hero — fluid layout handles most of this, just override actions */
  .hero { padding: 3rem 0 0; }
  .hero-lead { font-size: 1rem; }
  .hero-actions { flex-direction: column; align-items: flex-start; gap: 0.75rem; }
  .hero-actions .btn { width: 100%; justify-content: center; }

  /* Trust bar */
  .trust-sep { display: none; }
  .trust-bar-inner { gap: 0.4rem 1rem; justify-content: flex-start; padding: 0.25rem 0; }

  /* Blog */
  .blog-grid, .blog-index-grid { grid-template-columns: 1fr; }

  /* Steps */
  .step-card { padding: 1.5rem 1rem; }

  /* About */
  .about-hero-grid { grid-template-columns: 1fr; gap: 2rem; }
  .about-photo-wrap { max-width: 280px; }
  .quals-grid { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: 1fr; }

  /* About intro */
  .about-intro-grid { grid-template-columns: 1fr; gap: 2rem; }
  .about-intro-photo { max-width: 260px; }

  /* Cashflow */
  .cashflow-hero { padding: 3rem 0 0; }
  .cashflow-hero-inner { grid-template-columns: 1fr; gap: 2rem; padding-bottom: 2.5rem; }
  .cashflow-hero-inner > div:last-child { max-width: 100%; }
  .cashflow-features { grid-template-columns: 1fr; }
  .cashflow-shows-grid { grid-template-columns: 1fr; gap: 1.25rem; }

  /* Services page */
  .service-section-inner { grid-template-columns: 1fr; gap: 2rem; }
  .service-sidebar-card { position: static; }
  .protection-grid { grid-template-columns: 1fr; }

  /* Contact */
  .contact-grid { grid-template-columns: 1fr; gap: 2rem; }
  .form-row { grid-template-columns: 1fr; gap: 0; }

  /* Local area */
  .local-grid { grid-template-columns: 1fr; gap: 2rem; }

  /* Article */
  .article-layout { grid-template-columns: 1fr; }
  .article-sidebar { position: static; margin-top: 2rem; }

  /* Reg */
  .reg-grid { grid-template-columns: 1fr; }

  /* CTA strip */
  .cta-strip { padding: 3.75rem 0; }
  .cta-strip-actions { flex-direction: column; align-items: center; }
  .cta-strip-actions .btn { width: 100%; max-width: 320px; }

  /* Footer */
  .footer { padding: 3.5rem 0 0; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem 1.5rem; }
  .footer-grid > .footer-brand { grid-column: 1 / -1; }
  .footer-bottom { flex-direction: column; text-align: center; gap: 0.5rem; }

  /* Page hero */
  .page-hero { padding: 3.5rem 0 2.5rem; }
  .page-hero h1 { font-size: clamp(2rem, 7vw, 2.8rem); }
}

/* ── Mobile (≤ 540px) ── */
@media (max-width: 540px) {
  .container { padding: 0 1rem; }
  h1 { font-size: clamp(2rem, 8vw, 2.6rem); }
  h2 { font-size: clamp(1.5rem, 6vw, 1.9rem); }

  /* Stats handled by fluid section below */

  /* Footer — single column */
  .footer-grid { grid-template-columns: 1fr; }
  .footer-grid > .footer-brand { grid-column: auto; }

  /* Charts — ensure readable */
  .chart-wrapper { padding: 1.1rem; }

  /* Buttons */
  .btn-lg { padding: 0.85rem 1.5rem; font-size: 0.9rem; }

  /* Section header */
  .section-header { margin-bottom: 2.5rem; }
  .section-header p { font-size: 0.97rem; }

  /* Professionals card */
  .professionals-list { gap: 0.35rem; }

  /* Blog grid */
  .blog-index-grid { grid-template-columns: 1fr; }

  /* Blog card header — slightly reduced height on small screens */
  .blog-card-header { height: 96px; padding: 0.9rem 1.2rem; }

  /* Hero — prevent text overflow */
  .hero-lead { max-width: 100%; }

  /* Scenario tabs — stack on tiny screens */
  .scenario-tabs { flex-wrap: wrap; gap: 0.4rem; }
  .scenario-btn  { font-size: 0.8rem; padding: 0.45rem 0.9rem; }

  /* Cashflow features */
  .cashflow-features { gap: 1rem; }
}

/* ── Tiny mobile (≤ 380px) ── */
@media (max-width: 380px) {
  .hero h1 { font-size: 1.9rem; }
  .navbar-inner { height: 58px; }
  .logo-name { font-size: 0.92rem; }
  .hero-photo-card { max-width: 220px; }
  .blog-card-header { height: 84px; }
}

/* ============================================================
   FLUID LAYOUT + LIGHTWEIGHT SCROLL REVEAL
   Speed-first. No JS mousemove, no RAF loops.
   ============================================================ */

/* ── Fluid hero grid: collapses naturally at any width ── */
.hero-inner {
  grid-template-columns: 1fr clamp(220px, 30vw, 400px);
  gap: clamp(1.5rem, 4vw, 4rem);
  align-items: start;
  padding-bottom: clamp(3rem, 5vw, 5.5rem);
}

/* ── Full headshot: square, no cropping ── */
.hero-photo-card {
  aspect-ratio: 1 / 1;
  border-radius: clamp(16px, 2.5vw, 28px);
}
.hero-photo-card img {
  object-position: center center;
}

/* ── Fluid section spacing ── */
.section    { padding: clamp(3rem, 6vw, 6rem) 0; }
.section-lg { padding: clamp(4rem, 8vw, 8.5rem) 0; }
.container  { padding: 0 clamp(1rem, 4vw, 1.75rem); }

/* ── Fluid typography ── */
h1 { font-size: clamp(2rem,  6.5vw, 4.2rem); }
h2 { font-size: clamp(1.5rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1rem,   2vw,  1.32rem); }
.hero h1 {
  font-size: clamp(2.2rem, 6vw, 4.2rem);
  line-height: 1.06;
}

/* ── Fluid service grid: wraps automatically ── */
.services-grid {
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 270px), 1fr));
}

/* ── Fluid steps grid ── */
.steps-grid {
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 240px), 1fr));
}

/* ── Fluid testimonials grid ── */
.testimonials-grid {
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 280px), 1fr));
}

/* ── Scroll reveal: CSS-only, no layout shift ── */
.sr {
  opacity: 0;
  transform: translateY(32px);
  transition:
    opacity  0.65s cubic-bezier(0.22, 1, 0.36, 1),
    transform 0.65s cubic-bezier(0.22, 1, 0.36, 1);
}
.sr.sr-in {
  opacity: 1;
  transform: none;
}

/* ── Swipe carousel (JS-added on mobile) ── */
.swipe-carousel {
  display: flex !important;
  overflow-x: auto;
  scroll-snap-type: x mandatory;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
  gap: 0.85rem;
  padding-bottom: 1rem;
  grid-template-columns: unset !important;
}
.swipe-carousel::-webkit-scrollbar { display: none; }
.swipe-carousel > * {
  flex: 0 0 84%;
  scroll-snap-align: start;
  max-width: 84%;
}
.services-carousel > * {
  flex: 0 0 78%;
  max-width: 78%;
}

/* ── Mobile: tighten hero ── */
@media (max-width: 768px) {
  .hero { padding-top: 2.5rem; }
  .hero-inner {
    grid-template-columns: 1fr;
    padding-bottom: 0;
    gap: 1.75rem;
  }
  /* Photo: readable size, full face visible */
  .hero-photo-card {
    max-width: clamp(200px, 55vw, 320px);
    margin: 0 auto;
  }
  .hero-lead { max-width: 100%; margin-bottom: 1.75rem; }
  /* Stats 2×2 */
  .hero-stats-inner { flex-wrap: wrap; }
  .hero-stat { flex: 0 0 50%; }
  .hero-stat-number { font-size: 1.5rem; }
}

@media (max-width: 480px) {
  /* Stats single column */
  .hero-stat {
    flex: 0 0 100%;
    border-right: none !important;
  }
  .hero-stat:not(:last-child) {
    border-bottom: 1px solid rgba(255,255,255,0.08) !important;
  }
}

/* ── Reduced motion ── */
@media (prefers-reduced-motion: reduce) {
  .sr {
    opacity: 1 !important;
    transform: none !important;
    transition: none !important;
  }
}