/* ============================================================
   WealthBridge Markets — Main Stylesheet
   Colors: Brand Red #C8102E · Navy #0B1A2C · Blue #1B3B8B
============================================================ */

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

:root {
  --red:        #C8102E;
  --red-dark:   #9B0B22;
  --red-light:  #E63950;
  --navy:       #0B1A2C;
  --navy-2:     #0F2236;
  --navy-3:     #162C44;
  --blue:       #1B3B8B;
  --blue-mid:   #1E50B3;
  --blue-light: #2563EB;
  --blue-bright:#3B82F6;
  --gold:       #C9962A;
  --gold-light: #F0B93A;
  --white:      #FFFFFF;
  --off-white:  #F8FAFC;
  --light:      #EEF2F7;
  --mid-gray:   #94A3B8;
  --gray:       #64748B;
  --dark-text:  #0F172A;
  --body-text:  #374151;
  --border:     #E2E8F0;
  --shadow-sm:  0 1px 3px rgba(0,0,0,.08);
  --shadow:     0 4px 20px rgba(0,0,0,.10);
  --shadow-lg:  0 12px 40px rgba(0,0,0,.15);
  --shadow-xl:  0 24px 64px rgba(0,0,0,.20);
  --radius-sm:  6px;
  --radius:     12px;
  --radius-lg:  20px;
  --radius-xl:  32px;
  --transition: all .25s ease;
  --container:  1240px;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', 'Plus Jakarta Sans', system-ui, sans-serif;
  font-size: 16px;
  line-height: 1.65;
  color: var(--body-text);
  background: var(--white);
  overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }
a  { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* ── Container ────────────────────────────────────────────── */
.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

/* ── Typography Helpers ───────────────────────────────────── */
.text-red        { color: var(--red); }
.text-red-light  { color: #FF6B7A; }
.text-white      { color: var(--white) !important; }
.text-light-muted{ color: rgba(255,255,255,.70); }
.text-gradient   {
  background: linear-gradient(135deg, var(--red) 0%, #FF6B7A 50%, var(--gold-light) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ── Section Common ───────────────────────────────────────── */
.section-header { text-align: center; max-width: 680px; margin: 0 auto 60px; }

.section-tag {
  display: inline-block;
  padding: 6px 16px;
  background: rgba(200,16,46,.10);
  color: var(--red);
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  border-radius: 40px;
  margin-bottom: 16px;
}
.section-tag-light {
  background: rgba(255,255,255,.15);
  color: var(--white);
}

.section-title {
  font-family: 'Plus Jakarta Sans', 'Inter', sans-serif;
  font-size: clamp(1.7rem, 3.5vw, 2.6rem);
  font-weight: 800;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 16px;
}

.section-desc {
  font-size: 1.05rem;
  color: var(--gray);
  line-height: 1.7;
}

/* ── Buttons ──────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 28px;
  border-radius: 8px;
  font-weight: 600;
  font-size: .95rem;
  transition: var(--transition);
  white-space: nowrap;
}

.btn-primary {
  background: var(--red);
  color: var(--white);
}
.btn-primary:hover { background: var(--red-dark); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(200,16,46,.35); }

.btn-ghost {
  background: transparent;
  color: var(--white);
  border: 1px solid rgba(255,255,255,.35);
}
.btn-ghost:hover { background: rgba(255,255,255,.1); }

.btn-outline-white {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,.6);
  border-radius: 8px;
}
.btn-outline-white:hover { background: rgba(255,255,255,.12); border-color: var(--white); }

.btn-white {
  background: var(--white);
  color: var(--red);
  font-weight: 700;
}
.btn-white:hover { background: var(--off-white); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,.15); }

.btn-lg { padding: 16px 36px; font-size: 1rem; border-radius: 10px; }
.btn-block { width: 100%; justify-content: center; }

/* ── ANNOUNCEMENT BAR ─────────────────────────────────────── */
.announcement-bar {
  background: linear-gradient(135deg, var(--red-dark) 0%, var(--red) 100%);
  color: var(--white);
  padding: 10px 0;
  font-size: .875rem;
  position: relative;
  z-index: 1001;
}
.announcement-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 20px;
  flex-wrap: wrap;
}
.btn-announcement {
  background: rgba(255,255,255,.25);
  color: var(--white);
  padding: 4px 14px;
  border-radius: 20px;
  font-size: .82rem;
  font-weight: 700;
  transition: var(--transition);
}
.btn-announcement:hover { background: rgba(255,255,255,.40); }

.announce-close {
  position: absolute;
  right: 16px;
  top: 50%;
  transform: translateY(-50%);
  color: rgba(255,255,255,.7);
  padding: 4px;
  font-size: .9rem;
  transition: var(--transition);
}
.announce-close:hover { color: var(--white); }

/* ── NAVIGATION ───────────────────────────────────────────── */
.site-header {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 1000;
  transition: var(--transition);
  border-bottom: 1px solid rgba(255,255,255,.07);
}
.site-header.scrolled {
  background: rgba(11,26,44,.97);
  backdrop-filter: blur(12px);
  box-shadow: 0 4px 30px rgba(0,0,0,.4);
}

.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding-top: 14px;
  padding-bottom: 14px;
}

.nav-logo { height: 44px; width: auto; }

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

.nav-link {
  color: rgba(255,255,255,.78);
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  font-size: .9rem;
  font-weight: 500;
  transition: var(--transition);
}
.nav-link:hover, .nav-link.active {
  color: var(--white);
  background: rgba(255,255,255,.08);
}

.nav-actions { display: flex; align-items: center; gap: 10px; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}
.hamburger.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ── HERO ─────────────────────────────────────────────────── */
.hero {
  min-height: 100svh;
  background: var(--navy);
  position: relative;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding: 80px 0 60px;
}

.hero-bg {
  position: absolute;
  inset: 0;
  pointer-events: none;
}

.hero-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.03) 1px, transparent 1px);
  background-size: 60px 60px;
}

.hero-glow {
  position: absolute;
  border-radius: 50%;
  filter: blur(100px);
  opacity: .25;
}
.hero-glow-1 {
  width: 600px; height: 600px;
  background: var(--red);
  top: -200px; right: -100px;
}
.hero-glow-2 {
  width: 500px; height: 500px;
  background: var(--blue);
  bottom: -200px; left: -100px;
}

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

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 18px;
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 40px;
  color: rgba(255,255,255,.85);
  font-size: .82rem;
  font-weight: 500;
  margin-bottom: 28px;
}

.badge-dot {
  width: 8px; height: 8px;
  background: #4ADE80;
  border-radius: 50%;
  animation: pulse-dot 2s infinite;
}
@keyframes pulse-dot {
  0%, 100% { box-shadow: 0 0 0 0 rgba(74,222,128,.5); }
  50%       { box-shadow: 0 0 0 6px rgba(74,222,128,0); }
}

.hero-title {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: clamp(2.4rem, 5vw, 4rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.12;
  margin-bottom: 24px;
}

.hero-desc {
  font-size: 1.1rem;
  color: rgba(255,255,255,.72);
  line-height: 1.75;
  margin-bottom: 36px;
  max-width: 520px;
}

.hero-cta { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 40px; }

.hero-trust {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,.6);
  font-size: .82rem;
  font-weight: 500;
}
.trust-item i { color: var(--gold-light); font-size: .9rem; }

/* Hero Dashboard Visual */
.portfolio-dashboard {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius-xl);
  padding: 28px;
  backdrop-filter: blur(20px);
  position: relative;
}

.dashboard-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 20px;
}

.dashboard-title {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,.9);
  font-size: .9rem;
  font-weight: 600;
}
.dashboard-title i { color: var(--red); }

.live-badge {
  display: flex;
  align-items: center;
  gap: 6px;
  background: rgba(74,222,128,.15);
  color: #4ADE80;
  padding: 4px 10px;
  border-radius: 20px;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .06em;
}
.pulse {
  width: 6px; height: 6px;
  background: #4ADE80;
  border-radius: 50%;
  animation: pulse-dot 1.5s infinite;
}

.dashboard-value { margin-bottom: 20px; }
.value-label { color: rgba(255,255,255,.5); font-size: .8rem; margin-bottom: 4px; }
.value-amount {
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
}
.value-amount span { font-size: 1.6rem; }

.value-change {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: .85rem;
  font-weight: 600;
  margin-top: 6px;
}
.value-change.positive { color: #4ADE80; }

.dashboard-chart { margin: 0 -28px; height: 100px; }
.chart-svg { width: 100%; height: 100%; }

.dashboard-assets { margin-top: 20px; display: flex; flex-direction: column; gap: 10px; }

.asset-row {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 8px 12px;
  background: rgba(255,255,255,.04);
  border-radius: 8px;
}
.asset-info { display: flex; align-items: center; gap: 8px; flex: 1; }
.asset-dot  { width: 8px; height: 8px; border-radius: 50%; flex-shrink: 0; }
.asset-name { color: rgba(255,255,255,.8); font-size: .83rem; font-weight: 500; }
.asset-alloc { color: rgba(255,255,255,.45); font-size: .8rem; min-width: 36px; text-align: right; }
.asset-val  { font-size: .83rem; font-weight: 600; min-width: 52px; text-align: right; }
.asset-val.positive { color: #4ADE80; }
.asset-val.negative { color: #F87171; }

.floating-card {
  position: absolute;
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 16px;
  border-radius: 12px;
  font-size: .8rem;
  backdrop-filter: blur(12px);
  animation: float 4s ease-in-out infinite;
}

.floating-card i { font-size: 1.1rem; }
.floating-card div strong { display: block; font-weight: 700; }
.floating-card div span  { font-size: .75rem; opacity: .75; }

.card-buy {
  top: -20px; right: 20px;
  background: rgba(34,197,94,.15);
  border: 1px solid rgba(34,197,94,.3);
  color: #4ADE80;
  animation-delay: 0s;
}
.card-gold {
  bottom: 60px; left: -20px;
  background: rgba(201,150,42,.15);
  border: 1px solid rgba(201,150,42,.3);
  color: var(--gold-light);
  animation-delay: 2s;
}
@keyframes float {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-8px); }
}

.hero-scroll-indicator {
  position: absolute;
  bottom: 28px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,.4);
  font-size: .75rem;
  letter-spacing: .1em;
}
.scroll-arrow {
  width: 32px; height: 32px;
  border: 1px solid rgba(255,255,255,.2);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  animation: bounce-down 2s infinite;
  font-size: .7rem;
}
@keyframes bounce-down {
  0%, 100% { transform: translateY(0); opacity: .6; }
  50%       { transform: translateY(4px); opacity: 1; }
}

/* ── TICKER ───────────────────────────────────────────────── */
.ticker-bar {
  display: flex;
  align-items: center;
  background: #0F2236;
  border-top: 1px solid rgba(255,255,255,.05);
  overflow: hidden;
  height: 44px;
}

.ticker-label {
  display: flex;
  align-items: center;
  gap: 8px;
  background: var(--red);
  color: var(--white);
  padding: 0 20px;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  height: 100%;
  white-space: nowrap;
  flex-shrink: 0;
}

.ticker-wrap { flex: 1; overflow: hidden; position: relative; }

.ticker-track {
  display: flex;
  animation: scroll-ticker 55s linear infinite;
  width: max-content;
}
.ticker-track:hover { animation-play-state: paused; }

@keyframes scroll-ticker {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

.ticker-item {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 0 24px;
  border-right: 1px solid rgba(255,255,255,.07);
  white-space: nowrap;
}

.ticker-symbol { color: var(--white); font-weight: 700; font-size: .78rem; }
.ticker-name   { color: rgba(255,255,255,.45); font-size: .72rem; }
.ticker-price  { color: rgba(255,255,255,.85); font-size: .78rem; font-weight: 600; }
.ticker-change { font-size: .75rem; font-weight: 700; }
.ticker-change.positive { color: #4ADE80; }
.ticker-change.negative { color: #F87171; }

/* ── STATS ────────────────────────────────────────────────── */
.stats-section { padding: 80px 0; background: var(--off-white); }

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.stat-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 36px 24px;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  transition: var(--transition);
}
.stat-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }

.stat-icon {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, var(--red) 0%, var(--red-dark) 100%);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 1.4rem;
  margin-bottom: 16px;
}

.stat-number {
  font-size: 2.6rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
  font-family: 'Plus Jakarta Sans', sans-serif;
}

.stat-prefix { font-size: 2rem; font-weight: 800; color: var(--navy); line-height: 1; }
.stat-suffix { font-size: 1.8rem; font-weight: 800; color: var(--red); line-height: 1; }

.stat-card > .stat-number,
.stat-card > .stat-prefix,
.stat-card > .stat-suffix {
  display: inline;
}

.stat-card {
  flex-direction: row;
  flex-wrap: wrap;
  justify-content: center;
}
.stat-card { display: block; }

.stat-value-row {
  display: flex;
  align-items: baseline;
  justify-content: center;
  gap: 2px;
  margin-bottom: 8px;
}

.stat-label { font-size: .9rem; color: var(--gray); font-weight: 500; }

/* ── SERVICES ─────────────────────────────────────────────── */
.services-section { padding: 100px 0; background: var(--white); }

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.service-card {
  padding: 36px 32px;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  background: var(--white);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}

.service-card::before {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: var(--blue);
  transform: scaleX(0);
  transition: var(--transition);
}

.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
  border-color: transparent;
}

.service-card:hover::before { transform: scaleX(1); }

.service-card-featured {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-3) 100%);
  border-color: transparent;
  color: var(--white);
}
.service-card-featured::before { background: var(--red); }

.featured-tag {
  position: absolute;
  top: 20px; right: 20px;
  background: var(--red);
  color: var(--white);
  padding: 4px 12px;
  border-radius: 20px;
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
}

.service-icon {
  width: 64px; height: 64px;
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 24px;
}

.service-icon-blue { background: rgba(27,59,139,.12); color: var(--blue-mid); }
.service-icon-red  { background: rgba(200,16,46,.12);  color: var(--red); }
.service-icon-gold { background: rgba(201,150,42,.12); color: var(--gold); }

.service-card-featured .service-icon-red { background: rgba(200,16,46,.25); color: #FF7A8A; }

.service-card h3 {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
}
.service-card-featured h3 { color: var(--white); }

.service-card p {
  font-size: .93rem;
  color: var(--gray);
  line-height: 1.7;
  margin-bottom: 20px;
}
.service-card-featured p { color: rgba(255,255,255,.65); }

.service-features { margin-bottom: 24px; display: flex; flex-direction: column; gap: 8px; }
.service-features li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .88rem;
  color: var(--body-text);
}
.service-card-featured .service-features li { color: rgba(255,255,255,.8); }
.service-features li i { color: var(--red); font-size: .75rem; }
.service-card-featured .service-features li i { color: #FF7A8A; }

.service-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--red);
  font-weight: 600;
  font-size: .9rem;
  transition: var(--transition);
}
.service-link:hover { gap: 10px; }

/* ── PLANS ────────────────────────────────────────────────── */
.plans-section { padding: 100px 0; background: var(--off-white); }

.plans-tabs {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-bottom: 48px;
  flex-wrap: wrap;
}

.plan-tab {
  padding: 10px 24px;
  border-radius: 8px;
  font-weight: 600;
  font-size: .88rem;
  color: var(--gray);
  border: 1px solid var(--border);
  background: var(--white);
  transition: var(--transition);
}
.plan-tab:hover, .plan-tab.active {
  background: var(--red);
  color: var(--white);
  border-color: var(--red);
}

.plans-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.plan-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: var(--transition);
  position: relative;
  border: 2px solid transparent;
}
.plan-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-xl); border-color: var(--red); }

.plan-card.plan-popular { border-color: var(--red); }

.popular-ribbon {
  position: absolute;
  top: 0; right: 0;
  background: var(--red);
  color: var(--white);
  padding: 6px 18px;
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  border-radius: 0 0 0 12px;
}

.plan-header {
  padding: 28px 28px 20px;
  text-align: center;
  position: relative;
}

.plan-blue { background: linear-gradient(135deg, var(--blue) 0%, var(--blue-mid) 100%); }
.plan-red  { background: linear-gradient(135deg, var(--red-dark) 0%, var(--red) 100%); }
.plan-gold { background: linear-gradient(135deg, #8B6914 0%, var(--gold) 100%); }

.plan-type {
  color: rgba(255,255,255,.7);
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  margin-bottom: 8px;
}

.plan-name {
  color: var(--white);
  font-size: 1.5rem;
  font-weight: 800;
  margin-bottom: 12px;
}

.plan-roi {
  display: inline-flex;
  align-items: baseline;
  gap: 4px;
  background: rgba(255,255,255,.15);
  padding: 8px 20px;
  border-radius: 40px;
}

.roi-number { font-size: 2rem; font-weight: 900; color: var(--white); }
.roi-period { font-size: .85rem; color: rgba(255,255,255,.8); font-weight: 500; }

.plan-body { padding: 24px 28px 28px; }

.plan-range, .plan-duration {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .88rem;
  color: var(--gray);
  margin-bottom: 8px;
}
.plan-range i, .plan-duration i { color: var(--red); }

.plan-features {
  margin: 16px 0 24px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.plan-features li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .88rem;
  color: var(--body-text);
}

.plan-features li i {
  color: var(--red);
  font-size: .8rem;
  flex-shrink: 0;
}

.btn-plan {
  display: block;
  width: 100%;
  padding: 14px;
  border-radius: 8px;
  font-weight: 700;
  font-size: .95rem;
  text-align: center;
  transition: var(--transition);
}

.btn-plan-blue { background: var(--blue); color: var(--white); }
.btn-plan-blue:hover { background: var(--navy); transform: translateY(-2px); }

.btn-plan-red { background: var(--red); color: var(--white); }
.btn-plan-red:hover { background: var(--red-dark); transform: translateY(-2px); }

.btn-plan-gold { background: var(--gold); color: var(--white); }
.btn-plan-gold:hover { background: #A07818; transform: translateY(-2px); }

/* hide filtered plan cards */
.plan-card.hidden { display: none; }

/* ── WHY CHOOSE US ────────────────────────────────────────── */
.why-section {
  padding: 100px 0;
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);
}

.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.why-text .section-tag { background: rgba(200,16,46,.25); color: #FF8899; }
.why-text .section-title { color: var(--white); }
.why-text > p { color: rgba(255,255,255,.7); margin-bottom: 36px; }

.why-features { display: flex; flex-direction: column; gap: 24px; margin-bottom: 36px; }

.why-feature {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.why-icon {
  width: 48px; height: 48px;
  background: rgba(200,16,46,.2);
  border: 1px solid rgba(200,16,46,.35);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--red-light);
  font-size: 1.1rem;
  flex-shrink: 0;
}

.why-feature h4 { color: var(--white); font-size: 1rem; font-weight: 600; margin-bottom: 4px; }
.why-feature p  { color: rgba(255,255,255,.6); font-size: .88rem; line-height: 1.65; }

.feature-cards-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  margin-bottom: 24px;
}

.feat-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  padding: 20px 8px;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius);
  text-align: center;
  transition: var(--transition);
}
.feat-card:hover { background: rgba(200,16,46,.15); border-color: rgba(200,16,46,.3); }

.feat-card i    { font-size: 1.3rem; color: var(--red-light); }
.feat-card span { font-size: .72rem; color: rgba(255,255,255,.7); font-weight: 500; }

.why-badge-card {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 20px 24px;
  background: rgba(201,150,42,.12);
  border: 1px solid rgba(201,150,42,.25);
  border-radius: var(--radius);
}
.badge-card-icon {
  width: 44px; height: 44px;
  background: var(--gold);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 1.1rem;
  flex-shrink: 0;
}
.badge-card-title { color: var(--white); font-weight: 700; font-size: .95rem; }
.badge-card-sub   { color: rgba(255,255,255,.55); font-size: .78rem; }

/* ── HOW IT WORKS ─────────────────────────────────────────── */
.how-section { padding: 100px 0; background: var(--off-white); }

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  position: relative;
}

.step-card {
  text-align: center;
  padding: 40px 28px;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  position: relative;
  transition: var(--transition);
}
.step-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-xl); }

.step-number {
  position: absolute;
  top: -18px; left: 50%;
  transform: translateX(-50%);
  background: var(--red);
  color: var(--white);
  width: 36px; height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .05em;
  box-shadow: 0 4px 12px rgba(200,16,46,.4);
}

.step-icon {
  width: 72px; height: 72px;
  background: linear-gradient(135deg, rgba(200,16,46,.1) 0%, rgba(27,59,139,.1) 100%);
  border-radius: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  color: var(--red);
  margin: 0 auto 20px;
}

.step-card h3 { font-size: 1.15rem; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.step-card p  { font-size: .9rem; color: var(--gray); line-height: 1.7; }

.step-connector {
  position: absolute;
  top: 40px;
  right: -48px;
  width: 64px;
  height: 2px;
  background: linear-gradient(90deg, var(--border) 0%, transparent 100%);
  display: flex;
  align-items: center;
}

/* ── ADVISORS ─────────────────────────────────────────────── */
.advisors-section { padding: 100px 0; background: var(--white); }

.advisors-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.advisor-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  text-align: center;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
}
.advisor-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-xl); border-color: var(--red); }

.advisor-avatar {
  position: relative;
  width: 100px; height: 100px;
  margin: 0 auto 16px;
}
.advisor-avatar img {
  width: 100%; height: 100%;
  border-radius: 50%;
  object-fit: cover;
  border: 3px solid var(--light);
}
.advisor-status {
  position: absolute;
  bottom: 4px; right: 4px;
  width: 14px; height: 14px;
  border-radius: 50%;
  border: 2px solid var(--white);
}
.advisor-status.online { background: #4ADE80; }

.advisor-info { flex: 1; }
.advisor-info h3 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.advisor-title   { font-size: .8rem; color: var(--gray); margin-bottom: 10px; }

.advisor-rating {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 3px;
  margin-bottom: 12px;
}
.advisor-rating i { font-size: .75rem; color: var(--border); }
.advisor-rating i.filled { color: var(--gold-light); }
.advisor-rating span { font-size: .78rem; color: var(--gray); margin-left: 4px; }

.advisor-bio { font-size: .8rem; color: var(--gray); line-height: 1.6; margin-bottom: 14px; }

.advisor-meta {
  display: flex;
  justify-content: center;
  gap: 16px;
  margin-bottom: 12px;
}
.advisor-meta-item {
  display: flex;
  align-items: center;
  gap: 5px;
  font-size: .78rem;
  color: var(--gray);
}
.advisor-meta-item i { color: var(--red); font-size: .7rem; }

.advisor-spec {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 6px;
  margin-bottom: 16px;
}
.spec-tag {
  padding: 3px 10px;
  background: rgba(200,16,46,.08);
  color: var(--red);
  border-radius: 20px;
  font-size: .72rem;
  font-weight: 600;
}

.btn-advisor {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  padding: 11px 20px;
  background: transparent;
  border: 1.5px solid var(--red);
  color: var(--red);
  border-radius: 8px;
  font-weight: 600;
  font-size: .85rem;
  transition: var(--transition);
  margin-top: auto;
}
.btn-advisor:hover { background: var(--red); color: var(--white); }

/* ── TESTIMONIALS ─────────────────────────────────────────── */
.testimonials-section {
  padding: 100px 0;
  background: linear-gradient(160deg, var(--navy) 0%, #0D2035 100%);
  position: relative;
  overflow: hidden;
}

.testimonials-section::before {
  content: '';
  position: absolute;
  top: -100px; right: -100px;
  width: 400px; height: 400px;
  background: var(--red);
  border-radius: 50%;
  filter: blur(120px);
  opacity: .12;
  pointer-events: none;
}

.testimonials-swiper { padding-bottom: 60px !important; }

.testimonial-card {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-lg);
  padding: 36px;
  height: 100%;
  backdrop-filter: blur(10px);
  transition: var(--transition);
}
.testimonial-card:hover { background: rgba(255,255,255,.09); border-color: rgba(200,16,46,.4); }

.testimonial-quote { font-size: 2.5rem; color: var(--red); opacity: .5; margin-bottom: 16px; line-height: 1; }
.testimonial-text  { color: rgba(255,255,255,.85); font-size: .95rem; line-height: 1.8; margin-bottom: 24px; font-style: italic; }

.testimonial-footer {
  display: flex;
  align-items: center;
  gap: 14px;
  padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,.1);
}

.testimonial-avatar img {
  width: 52px; height: 52px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid rgba(200,16,46,.4);
}

.testimonial-author { flex: 1; }
.testimonial-author strong { color: var(--white); font-size: .9rem; display: block; }
.testimonial-author span   { color: rgba(255,255,255,.5); font-size: .78rem; }

.testimonial-stars { margin-top: 4px; }
.testimonial-stars i { color: var(--gold-light); font-size: .7rem; }

.testimonial-return { text-align: right; }
.return-pct  { color: #4ADE80; font-size: 1.2rem; font-weight: 800; }
.return-type { color: rgba(255,255,255,.4); font-size: .7rem; }

.testimonial-pagination { bottom: 0 !important; }
.testimonial-pagination .swiper-pagination-bullet { background: rgba(255,255,255,.3); }
.testimonial-pagination .swiper-pagination-bullet-active { background: var(--red); }

.testimonial-prev, .testimonial-next {
  color: var(--red) !important;
  background: rgba(200,16,46,.15);
  border: 1px solid rgba(200,16,46,.3);
  width: 44px !important; height: 44px !important;
  border-radius: 50%;
}
.testimonial-prev::after, .testimonial-next::after { font-size: .85rem !important; font-weight: 800; }

/* ── FAQ ──────────────────────────────────────────────────── */
.faq-section { padding: 100px 0; background: var(--white); }

.faq-grid {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 48px;
  align-items: start;
}

.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 10px;
  overflow: hidden;
  transition: var(--transition);
}
.faq-item.active { border-color: var(--red); box-shadow: 0 4px 16px rgba(200,16,46,.1); }

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 20px;
  text-align: left;
  color: var(--dark-text);
  font-size: .95rem;
  font-weight: 600;
  background: var(--white);
  transition: var(--transition);
}
.faq-question:hover { color: var(--red); }
.faq-item.active .faq-question { color: var(--red); background: rgba(200,16,46,.03); }

.faq-icon {
  width: 28px; height: 28px;
  background: var(--light);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .75rem;
  color: var(--gray);
  flex-shrink: 0;
  transition: var(--transition);
}
.faq-item.active .faq-icon { background: var(--red); color: var(--white); }
.faq-item.active .faq-icon i::before { content: "\f068"; }

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .35s ease, padding .35s ease;
}
.faq-item.active .faq-answer { max-height: 400px; }

.faq-answer p {
  padding: 0 20px 20px;
  color: var(--gray);
  font-size: .9rem;
  line-height: 1.75;
}

/* FAQ CTA Card */
.faq-cta-card {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-3) 100%);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  text-align: center;
  position: sticky;
  top: 100px;
}

.faq-cta-icon {
  width: 64px; height: 64px;
  background: rgba(200,16,46,.2);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  color: var(--red-light);
  margin: 0 auto 16px;
}

.faq-cta-card h3 { color: var(--white); font-size: 1.2rem; font-weight: 700; margin-bottom: 10px; }
.faq-cta-card p  { color: rgba(255,255,255,.65); font-size: .88rem; line-height: 1.7; margin-bottom: 24px; }

.faq-contact-options {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 20px;
}

.faq-contact-options a {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  color: rgba(255,255,255,.65);
  font-size: .82rem;
  transition: var(--transition);
}
.faq-contact-options a:hover { color: var(--white); }
.faq-contact-options a i { color: var(--red-light); }

.faq-availability {
  margin-top: 16px;
  font-size: .78rem;
  color: rgba(255,255,255,.5);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
}
.online-dot { color: #4ADE80; font-size: .5rem; }

/* ── CONTACT ──────────────────────────────────────────────── */
.contact-section { padding: 100px 0; background: var(--off-white); }

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 48px;
  align-items: start;
}

.contact-info { display: flex; flex-direction: column; gap: 20px; }

.contact-info-card {
  display: flex;
  gap: 16px;
  padding: 20px;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}
.contact-info-card:hover { box-shadow: var(--shadow); transform: translateX(4px); }

.contact-info-icon {
  width: 44px; height: 44px;
  background: linear-gradient(135deg, var(--red) 0%, var(--red-dark) 100%);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 1rem;
  flex-shrink: 0;
}

.contact-info-card h4 { font-size: .9rem; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.contact-info-card p  { font-size: .85rem; color: var(--gray); line-height: 1.6; }
.contact-info-card p a { color: var(--gray); transition: var(--transition); }
.contact-info-card p a:hover { color: var(--red); }
.support-live { color: #4ADE80 !important; }

.social-links-contact {
  display: flex;
  gap: 10px;
  padding: 20px;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  justify-content: center;
}

.social-links-contact a {
  width: 40px; height: 40px;
  background: var(--light);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gray);
  font-size: .9rem;
  transition: var(--transition);
}
.social-links-contact a:hover { background: var(--red); color: var(--white); transform: translateY(-2px); }

/* Contact Form */
.contact-form-wrap {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow);
}

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  font-size: .85rem;
  font-weight: 600;
  color: var(--dark-text);
  margin-bottom: 8px;
}
.required { color: var(--red); }

.input-wrap {
  position: relative;
  display: flex;
  align-items: center;
}
.input-wrap > i {
  position: absolute;
  left: 14px;
  color: var(--mid-gray);
  font-size: .85rem;
  pointer-events: none;
  z-index: 1;
}

.input-wrap input,
.input-wrap select,
.input-wrap textarea {
  width: 100%;
  padding: 12px 14px 12px 40px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-family: inherit;
  font-size: .92rem;
  color: var(--dark-text);
  background: var(--white);
  transition: var(--transition);
  outline: none;
  appearance: none;
}

.input-wrap input:focus,
.input-wrap select:focus,
.input-wrap textarea:focus {
  border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(200,16,46,.1);
}

.textarea-wrap { align-items: flex-start; }
.textarea-wrap > i { top: 14px; }
.input-wrap textarea { resize: vertical; min-height: 120px; }

.captcha-group { margin-bottom: 24px; }
.captcha-note  { font-size: .78rem; color: var(--mid-gray); margin-top: 8px; display: flex; align-items: center; gap: 6px; }

/* Alerts */
.alert {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 16px 20px;
  border-radius: var(--radius);
  margin-bottom: 24px;
  font-size: .9rem;
}
.alert i { font-size: 1.1rem; flex-shrink: 0; margin-top: 2px; }
.alert-success { background: rgba(74,222,128,.1); border: 1px solid rgba(74,222,128,.3); color: #166534; }
.alert-success i { color: #4ADE80; }
.alert-error   { background: rgba(200,16,46,.08); border: 1px solid rgba(200,16,46,.2); color: var(--red-dark); }
.alert-error   i { color: var(--red); }
.alert-success strong { display: block; font-weight: 700; margin-bottom: 2px; }

/* ── CTA SECTION ──────────────────────────────────────────── */
.cta-section {
  padding: 80px 0;
  background: var(--red);
}

.cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
}

.cta-text h2 { font-size: clamp(1.4rem, 2.5vw, 2rem); font-weight: 800; color: var(--white); margin-bottom: 8px; }
.cta-text p  { color: rgba(255,255,255,.8); font-size: 1rem; }

.cta-actions { display: flex; gap: 16px; flex-shrink: 0; flex-wrap: wrap; }

/* ── FOOTER ───────────────────────────────────────────────── */
.site-footer {
  background: var(--navy);
  padding-top: 72px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.8fr 1fr 1fr 1.4fr;
  gap: 48px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,.08);
}

.footer-logo { height: 40px; margin-bottom: 16px; }
.footer-brand p {
  color: rgba(255,255,255,.55);
  font-size: .87rem;
  line-height: 1.75;
  margin-bottom: 20px;
}

.footer-social { display: flex; gap: 10px; }
.footer-social a {
  width: 36px; height: 36px;
  background: rgba(255,255,255,.07);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,.55);
  font-size: .85rem;
  transition: var(--transition);
}
.footer-social a:hover { background: var(--red); color: var(--white); }

.footer-col h4 {
  color: var(--white);
  font-size: .9rem;
  font-weight: 700;
  margin-bottom: 20px;
  text-transform: uppercase;
  letter-spacing: .08em;
}

.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col li {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  color: rgba(255,255,255,.55);
  font-size: .87rem;
  line-height: 1.5;
}
.footer-col li i  { color: var(--red); font-size: .8rem; margin-top: 3px; flex-shrink: 0; }
.footer-col li a  { color: rgba(255,255,255,.55); transition: var(--transition); }
.footer-col li a:hover { color: var(--red-light); }

.footer-legal-links {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 20px;
}
.footer-legal-links a {
  color: rgba(255,255,255,.4);
  font-size: .78rem;
  transition: var(--transition);
  padding: 3px 0;
}
.footer-legal-links a:hover { color: var(--red-light); }
.footer-legal-links a + a::before { content: '·'; margin-right: 8px; }

.footer-bottom { padding: 28px 0; }

.footer-disclaimer p {
  font-size: .77rem;
  color: rgba(255,255,255,.3);
  line-height: 1.75;
  margin-bottom: 20px;
}
.footer-disclaimer a { color: rgba(255,255,255,.4); text-decoration: underline; }

.footer-copyright {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}
.footer-copyright p { color: rgba(255,255,255,.4); font-size: .82rem; }

.footer-badges { display: flex; gap: 12px; flex-wrap: wrap; }
.footer-badge {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 5px 12px;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 6px;
  color: rgba(255,255,255,.5);
  font-size: .73rem;
  font-weight: 600;
}
.footer-badge i { color: var(--gold-light); }

/* ── BACK TO TOP ──────────────────────────────────────────── */
.back-to-top {
  position: fixed;
  bottom: 28px;
  right: 28px;
  width: 44px; height: 44px;
  background: var(--red);
  color: var(--white);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .9rem;
  box-shadow: 0 4px 16px rgba(200,16,46,.4);
  opacity: 0;
  transform: translateY(10px);
  transition: var(--transition);
  z-index: 999;
  pointer-events: none;
}
.back-to-top.visible {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}
.back-to-top:hover { background: var(--red-dark); transform: translateY(-3px); }

/* ── RESPONSIVE ───────────────────────────────────────────── */
@media (max-width: 1100px) {
  .hero-content    { gap: 40px; }
  .footer-grid     { grid-template-columns: 1fr 1fr; }
  .advisors-grid   { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 900px) {
  .hero-content    { grid-template-columns: 1fr; text-align: center; }
  .hero-text       { order: 1; }
  .hero-visual     { order: 2; max-width: 480px; margin: 0 auto; }
  .hero-cta        { justify-content: center; }
  .hero-trust      { justify-content: center; }

  .stats-grid      { grid-template-columns: repeat(2, 1fr); }
  .services-grid   { grid-template-columns: 1fr; max-width: 480px; margin: 0 auto; }
  .plans-grid      { grid-template-columns: repeat(2, 1fr); }
  .why-grid        { grid-template-columns: 1fr; gap: 48px; }
  .why-visual      { display: none; }
  .steps-grid      { grid-template-columns: 1fr; max-width: 400px; margin: 0 auto; }
  .step-connector  { display: none; }
  .faq-grid        { grid-template-columns: 1fr; }
  .faq-cta-card    { position: static; }
  .contact-grid    { grid-template-columns: 1fr; }
  .footer-grid     { grid-template-columns: 1fr 1fr; gap: 32px; }
  .cta-inner       { flex-direction: column; text-align: center; }
  .cta-actions     { justify-content: center; }
}

@media (max-width: 700px) {
  .site-header .nav-menu,
  .site-header .nav-actions { display: none; }

  .hamburger { display: flex; }

  .nav-menu.open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 100%;
    left: 0; right: 0;
    background: var(--navy-2);
    padding: 20px;
    border-top: 1px solid rgba(255,255,255,.08);
    gap: 4px;
    z-index: 999;
  }
  .nav-actions.open {
    display: flex;
    flex-direction: column;
    padding: 0 20px 20px;
    background: var(--navy-2);
    position: absolute;
    top: 100%;
    left: 0; right: 0;
    margin-top: 0;
  }
  .nav-menu.open + .nav-actions.open { top: auto; }

  .nav-menu.open  { padding-bottom: 8px; }
  .nav-actions.open { padding-top: 0; z-index: 998; }

  .hero-title  { font-size: 2rem; }
  .plans-grid  { grid-template-columns: 1fr; }
  .advisors-grid { grid-template-columns: 1fr; max-width: 400px; margin: 0 auto; }
  .stats-grid  { grid-template-columns: repeat(2, 1fr); }
  .form-row    { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-copyright { flex-direction: column; text-align: center; }
  .contact-form-wrap { padding: 24px 20px; }
  .announcement-bar { font-size: .78rem; }
  .feature-cards-grid { grid-template-columns: repeat(2, 1fr); }
  .cta-actions { flex-direction: column; width: 100%; }
  .cta-actions .btn { justify-content: center; }
}

@media (max-width: 480px) {
  .hero { padding: 60px 0 40px; }
  .portfolio-dashboard { padding: 20px; }
  .floating-card { display: none; }
  .hero-scroll-indicator { display: none; }
}

/* ── Custom scrollbar ─────────────────────────────────────── */
::-webkit-scrollbar       { width: 6px; }
::-webkit-scrollbar-track { background: var(--navy); }
::-webkit-scrollbar-thumb { background: var(--red); border-radius: 4px; }
::-webkit-scrollbar-thumb:hover { background: var(--red-light); }

/* ── AOS overrides ────────────────────────────────────────── */
[data-aos] { transition-duration: .6s !important; }

/* ── Stat card fix — inline value row ─────────────────────── */
.stat-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}
.stat-value-row {
  display: flex;
  align-items: baseline;
  justify-content: center;
}

/* ═══════════════════════════════════════════════════════════
   MULTI-PAGE STYLES
   ═══════════════════════════════════════════════════════════ */

/* ── PAGE HERO ────────────────────────────────────────────── */
.page-hero {
  position: relative;
  background: linear-gradient(160deg, var(--navy) 0%, #0D2035 100%);
  padding: 80px 0 72px;
  overflow: hidden;
}

.page-hero-blue { background: linear-gradient(160deg, var(--navy) 0%, var(--blue) 100%); }
.page-hero-red  { background: linear-gradient(160deg, var(--navy) 0%, #6B0C1C 100%); }
.page-hero-gold { background: linear-gradient(160deg, var(--navy) 0%, #4A3000 100%); }

.page-hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 80% 50%, rgba(200,16,46,.18) 0%, transparent 55%),
    radial-gradient(circle at 20% 80%, rgba(27,59,139,.25) 0%, transparent 50%);
  pointer-events: none;
}

.page-hero .breadcrumb {
  display: flex;
  align-items: center;
  gap: 6px;
  margin-bottom: 20px;
  font-size: .82rem;
}
.page-hero .breadcrumb a { color: rgba(255,255,255,.6); transition: var(--transition); }
.page-hero .breadcrumb a:hover { color: var(--white); }
.page-hero .breadcrumb span { color: var(--red-light); font-weight: 600; }
.page-hero .breadcrumb i { color: rgba(255,255,255,.3); font-size: .65rem; }

.page-hero-title {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 900;
  color: var(--white);
  margin-bottom: 16px;
  line-height: 1.15;
}

.page-hero-desc {
  font-size: clamp(.95rem, 1.5vw, 1.1rem);
  color: rgba(255,255,255,.75);
  max-width: 600px;
  line-height: 1.75;
}

.page-hero-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 28px;
}

.hero-badge-item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 18px;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.18);
  border-radius: 30px;
  font-size: .85rem;
  font-weight: 600;
  color: var(--white);
  backdrop-filter: blur(4px);
}
.hero-badge-item i { color: var(--gold-light); }

/* ── INNER SECTIONS ───────────────────────────────────────── */
.inner-section { padding: 80px 0; }
.inner-section.bg-white { background: var(--white); }
.inner-section.bg-light { background: var(--off-white); }

/* ── BUTTON EXTRAS ────────────────────────────────────────── */
.btn-outline-navy {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  border: 2px solid var(--navy);
  color: var(--navy);
  border-radius: 8px;
  font-weight: 700;
  font-size: .92rem;
  transition: var(--transition);
  text-align: center;
}
.btn-outline-navy:hover { background: var(--navy); color: var(--white); }

.btn-white {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  background: var(--white);
  color: var(--navy);
  border-radius: 8px;
  font-weight: 700;
  font-size: .92rem;
  transition: var(--transition);
}
.btn-white:hover { background: var(--off-white); transform: translateY(-2px); }

.btn-block { display: block; width: 100%; text-align: center; }

/* ── NAV DROPDOWN ─────────────────────────────────────────── */
.has-dropdown { position: relative; }

.nav-caret {
  font-size: .65rem;
  margin-left: 3px;
  transition: transform .25s ease;
  display: inline-block;
  vertical-align: middle;
}
.has-dropdown:hover .nav-caret { transform: rotate(180deg); }

.nav-dropdown {
  position: absolute;
  top: calc(100% + 12px);
  left: 50%;
  transform: translateX(-50%);
  min-width: 280px;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: 0 20px 60px rgba(0,0,0,.15);
  border: 1px solid var(--border);
  padding: 12px;
  opacity: 0;
  visibility: hidden;
  transition: opacity .25s ease, transform .25s ease, visibility .25s ease;
  transform: translateX(-50%) translateY(8px);
  z-index: 500;
}

.has-dropdown:hover .nav-dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}

.dropdown-overview {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 100%);
  border-radius: 10px;
  margin-bottom: 8px;
  text-decoration: none;
  transition: var(--transition);
}
.dropdown-overview:hover { opacity: .9; transform: translateY(-1px); }
.dropdown-overview .dd-icon {
  width: 36px; height: 36px;
  background: rgba(255,255,255,.15);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  color: var(--white); font-size: 1rem;
  flex-shrink: 0;
}
.dropdown-overview .dd-text strong { display: block; color: var(--white); font-size: .88rem; font-weight: 700; }
.dropdown-overview .dd-text span   { color: rgba(255,255,255,.7); font-size: .75rem; }

.dropdown-sep {
  font-size: .7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--mid-gray);
  padding: 8px 12px 4px;
}

.nav-dropdown a:not(.dropdown-overview) {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 12px;
  border-radius: 8px;
  color: var(--dark-text);
  font-size: .88rem;
  font-weight: 500;
  transition: var(--transition);
}
.nav-dropdown a:not(.dropdown-overview):hover {
  background: rgba(200,16,46,.06);
  color: var(--red);
}
.nav-dropdown a:not(.dropdown-overview) .dd-icon {
  width: 32px; height: 32px;
  background: var(--light);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-size: .85rem;
  color: var(--blue);
  flex-shrink: 0;
  transition: var(--transition);
}
.nav-dropdown a:not(.dropdown-overview):hover .dd-icon { background: rgba(200,16,46,.1); color: var(--red); }
.nav-dropdown a:not(.dropdown-overview) .dd-text strong { display: block; font-weight: 600; font-size: .88rem; color: var(--dark-text); }
.nav-dropdown a:not(.dropdown-overview) .dd-text span   { font-size: .75rem; color: var(--gray); }

/* ── SERVICES PAGE CARDS ──────────────────────────────────── */
.services-full-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.service-card-full {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: var(--transition);
  background: var(--white);
}
.service-card-full:hover { transform: translateY(-6px); box-shadow: var(--shadow-xl); }

.scf-header {
  padding: 36px 28px 28px;
  position: relative;
  overflow: hidden;
}
.scf-header::before {
  content: '';
  position: absolute;
  top: -40px; right: -40px;
  width: 120px; height: 120px;
  background: rgba(255,255,255,.1);
  border-radius: 50%;
}

.scf-blue { background: linear-gradient(145deg, var(--blue) 0%, #0D2B7A 100%); }
.scf-red  { background: linear-gradient(145deg, var(--red) 0%, var(--red-dark) 100%); }
.scf-gold { background: linear-gradient(145deg, var(--gold) 0%, #8A6010 100%); }

.scf-icon {
  width: 56px; height: 56px;
  background: rgba(255,255,255,.18);
  border-radius: 16px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  color: var(--white);
  margin-bottom: 16px;
}

.scf-title {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 6px;
}

.scf-roi {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 4px 14px;
  background: rgba(255,255,255,.15);
  border-radius: 20px;
  font-size: .82rem;
  color: rgba(255,255,255,.9);
  font-weight: 600;
}

.scf-body { padding: 28px; }

.scf-desc {
  font-size: .9rem;
  color: var(--gray);
  line-height: 1.75;
  margin-bottom: 20px;
}

.scf-features {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 24px;
}

.scf-feat {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: .87rem;
  color: var(--body-text);
}
.scf-feat i { color: var(--red); font-size: .75rem; margin-top: 3px; flex-shrink: 0; }

.scf-actions {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

/* ── FEATURES GRID ────────────────────────────────────────── */
.features-grid-6 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.features-grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.feature-box {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  transition: var(--transition);
}
.feature-box:hover { border-color: var(--red); box-shadow: var(--shadow); transform: translateY(-3px); }

.feature-box-icon {
  width: 52px; height: 52px;
  background: linear-gradient(135deg, var(--red) 0%, var(--red-dark) 100%);
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  color: var(--white);
  margin-bottom: 16px;
}

.feature-box h4 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.feature-box p  { font-size: .85rem; color: var(--gray); line-height: 1.7; }

/* ── ADVISOR FULL CARDS ───────────────────────────────────── */
.advisors-intro {
  margin-bottom: 60px;
}

.intro-stats-row {
  display: flex;
  justify-content: center;
  gap: 0;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  overflow: hidden;
  flex-wrap: wrap;
}

.intro-stat {
  flex: 1;
  min-width: 160px;
  padding: 28px 20px;
  text-align: center;
  border-right: 1px solid var(--border);
}
.intro-stat:last-child { border-right: none; }

.intro-stat-num {
  font-size: 2rem;
  font-weight: 900;
  color: var(--navy);
  margin-bottom: 4px;
}

.intro-stat-label {
  font-size: .82rem;
  color: var(--gray);
  font-weight: 500;
}

.advisors-full-grid {
  display: flex;
  flex-direction: column;
  gap: 32px;
}

.advisor-full-card {
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 36px;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  padding: 36px;
  transition: var(--transition);
}
.advisor-full-card:hover { box-shadow: var(--shadow-xl); }

.afc-left {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 16px;
}

.afc-avatar {
  position: relative;
  display: inline-block;
}

.afc-avatar img {
  width: 130px; height: 130px;
  border-radius: 50%;
  object-fit: cover;
  border: 3px solid var(--border);
}

.afc-avatar .advisor-status {
  position: absolute;
  bottom: 6px; right: 6px;
  width: 18px; height: 18px;
  border-radius: 50%;
  border: 3px solid var(--white);
}

.afc-meta {
  display: flex;
  flex-direction: column;
  gap: 8px;
  width: 100%;
}

.afc-meta-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .82rem;
  color: var(--gray);
}
.afc-meta-item i { color: var(--red); font-size: .75rem; width: 14px; }

.afc-left .btn-primary { font-size: .85rem; padding: 11px 16px; }

.afc-right h3 { font-size: 1.4rem; font-weight: 800; color: var(--navy); margin-bottom: 4px; }
.afc-title    { font-size: .9rem; color: var(--gray); font-weight: 500; margin-bottom: 12px; }
.afc-bio      { font-size: .9rem; color: var(--body-text); line-height: 1.8; margin-bottom: 16px; }

.afc-spec {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 12px;
}

.afc-certs {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .82rem;
  color: var(--gray);
  padding: 10px 14px;
  background: var(--light);
  border-radius: 8px;
}
.afc-certs i { color: var(--gold); }

/* ── FAQ PAGE ─────────────────────────────────────────────── */
.faq-page-layout {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 40px;
  align-items: start;
}

.faq-sidebar {
  position: sticky;
  top: 100px;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.faq-sidebar-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
}

.faq-sidebar-card h4 {
  font-size: .85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--navy);
  margin-bottom: 16px;
}

.faq-cat-list {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.faq-cat-link {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 9px 12px;
  border-radius: 8px;
  font-size: .87rem;
  color: var(--body-text);
  transition: var(--transition);
}
.faq-cat-link:hover { background: rgba(200,16,46,.06); color: var(--red); }
.faq-cat-link i { font-size: .65rem; color: var(--red); }

.faq-contact-card { text-align: center; background: linear-gradient(145deg, var(--navy) 0%, var(--blue) 100%); border: none; }

.faq-contact-card .faq-cta-icon {
  width: 56px; height: 56px;
  background: rgba(255,255,255,.15);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  color: var(--white);
  margin: 0 auto 12px;
}

.faq-contact-card h4 { color: var(--white); margin-bottom: 6px; text-transform: none; letter-spacing: 0; font-size: 1rem; }
.faq-contact-card p  { color: rgba(255,255,255,.7); font-size: .85rem; }

.faq-contact-card .faq-contact-options a { color: rgba(255,255,255,.7); }
.faq-contact-card .faq-contact-options a:hover { color: var(--white); }

.faq-category { margin-bottom: 40px; }

.faq-cat-title {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--red);
}
.faq-cat-title i { color: var(--red); }

/* ── PLAN GRID VARIANTS ───────────────────────────────────── */
.plans-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.plans-grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
  max-width: 800px;
  margin: 0 auto;
}

/* ── PLAN TABS ────────────────────────────────────────────── */
.plans-tabs {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-bottom: 40px;
  flex-wrap: wrap;
}

.plan-tab {
  padding: 10px 24px;
  border-radius: 30px;
  border: 1.5px solid var(--border);
  font-size: .9rem;
  font-weight: 600;
  color: var(--gray);
  background: var(--white);
  transition: var(--transition);
  cursor: pointer;
}
.plan-tab:hover { border-color: var(--red); color: var(--red); }
.plan-tab.active { background: var(--red); color: var(--white); border-color: var(--red); }

/* ── COMPARISON TABLE ─────────────────────────────────────── */
.comparison-table-wrap { overflow-x: auto; }

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
}

.comparison-table th {
  background: var(--navy);
  color: var(--white);
  padding: 16px 20px;
  font-size: .88rem;
  font-weight: 700;
  text-align: center;
}
.comparison-table th:first-child { text-align: left; }

.comparison-table th.highlighted { background: var(--red); }

.comparison-table td {
  padding: 14px 20px;
  border-bottom: 1px solid var(--border);
  font-size: .88rem;
  color: var(--body-text);
  text-align: center;
}
.comparison-table td:first-child { text-align: left; font-weight: 600; color: var(--navy); }
.comparison-table td.highlighted { background: rgba(200,16,46,.04); font-weight: 600; }

.comparison-table tr:last-child td { border-bottom: none; }
.comparison-table tr:hover td { background: var(--light); }
.comparison-table tr:hover td.highlighted { background: rgba(200,16,46,.08); }

.text-green    { color: #16A34A !important; }
.text-red-icon { color: var(--mid-gray) !important; }

/* ── SERVICE DETAIL (portfolio/stocks/commodities pages) ─── */
.service-detail-grid {
  display: grid;
  grid-template-columns: 1fr 360px;
  gap: 48px;
  align-items: start;
}

.service-detail-text .section-title { margin-bottom: 16px; }
.service-detail-text > p {
  font-size: .95rem;
  color: var(--gray);
  line-height: 1.8;
  margin-bottom: 14px;
}

.detail-highlights {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-top: 24px;
}

.detail-highlight {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: .9rem;
  color: var(--body-text);
}
.detail-highlight i { color: var(--red); font-size: .85rem; margin-top: 2px; flex-shrink: 0; }

.service-detail-aside {
  display: flex;
  flex-direction: column;
  gap: 20px;
  position: sticky;
  top: 100px;
}

.service-aside-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow-sm);
}

.service-aside-card h4 {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .95rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
}
.service-aside-card h4 i { color: var(--red); }

.aside-list {
  display: flex;
  flex-direction: column;
  gap: 9px;
}

.aside-list li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .85rem;
  color: var(--body-text);
}
.aside-list li i { color: var(--red); font-size: .45rem; flex-shrink: 0; }

.aside-cta { background: linear-gradient(145deg, var(--navy) 0%, var(--blue) 100%); border: none; }
.aside-cta h4 { color: var(--white); }
.aside-cta p  { color: rgba(255,255,255,.7); font-size: .88rem; line-height: 1.6; margin-bottom: 16px; }

/* ── MAP PLACEHOLDER ──────────────────────────────────────── */
.map-placeholder {
  height: 260px;
  background: linear-gradient(160deg, var(--navy) 0%, #0F2540 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}

.map-placeholder::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.map-overlay {
  position: relative;
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 28px 36px;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius-lg);
  backdrop-filter: blur(8px);
  flex-wrap: wrap;
}

.map-overlay .fas.fa-map-marker-alt {
  font-size: 2rem;
  color: var(--red);
  flex-shrink: 0;
}

.map-overlay strong { display: block; color: var(--white); font-weight: 700; font-size: 1rem; margin-bottom: 2px; }
.map-overlay span   { color: rgba(255,255,255,.6); font-size: .88rem; }

/* ── LEGAL PAGES ──────────────────────────────────────────── */
.legal-layout {
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 48px;
  align-items: start;
}

.legal-toc {
  position: sticky;
  top: 100px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
}

.legal-toc h4 {
  font-size: .8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--navy);
  margin-bottom: 14px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--border);
}

.legal-toc ul { display: flex; flex-direction: column; gap: 4px; }

.legal-toc a {
  display: block;
  font-size: .83rem;
  color: var(--gray);
  padding: 6px 8px;
  border-radius: 6px;
  transition: var(--transition);
  line-height: 1.4;
}
.legal-toc a:hover { background: rgba(200,16,46,.06); color: var(--red); }

.legal-intro {
  font-size: .95rem;
  color: var(--body-text);
  line-height: 1.85;
  margin-bottom: 32px;
  padding: 20px 24px;
  background: var(--light);
  border-radius: var(--radius);
  border-left: 3px solid var(--blue);
}

.legal-section {
  margin-bottom: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid var(--border);
}
.legal-section:last-child { border-bottom: none; }

.legal-section h2 {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 14px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--red);
  display: inline-block;
}

.legal-section h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--dark-text);
  margin: 18px 0 10px;
}

.legal-section p {
  font-size: .92rem;
  color: var(--body-text);
  line-height: 1.85;
  margin-bottom: 12px;
}

.legal-section ul {
  margin: 8px 0 12px 8px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.legal-section ul li {
  font-size: .9rem;
  color: var(--body-text);
  line-height: 1.7;
  padding-left: 16px;
  position: relative;
}

.legal-section ul li::before {
  content: '•';
  position: absolute;
  left: 0;
  color: var(--red);
  font-weight: 900;
}

.legal-section a { color: var(--red); text-decoration: underline; }

.legal-contact-box {
  background: var(--light);
  border-radius: var(--radius);
  padding: 20px 24px;
  margin-top: 12px;
}
.legal-contact-box p { margin-bottom: 8px; font-size: .9rem; color: var(--body-text); line-height: 1.7; }
.legal-contact-box a { color: var(--red); }

.legal-warning-box {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 20px 24px;
  background: rgba(200,16,46,.06);
  border: 1px solid rgba(200,16,46,.2);
  border-radius: var(--radius);
  margin-bottom: 28px;
}
.legal-warning-box > i { color: var(--red); font-size: 1.3rem; flex-shrink: 0; margin-top: 2px; }
.legal-warning-box strong { display: block; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.legal-warning-box p { font-size: .88rem; color: var(--body-text); line-height: 1.75; margin: 0; }

/* ── PERFORMANCE STATS BAR ────────────────────────────────── */
.perf-stats-bar {
  background: var(--navy);
  border-top: 1px solid rgba(255,255,255,.08);
  border-bottom: 1px solid rgba(255,255,255,.08);
  padding: 20px 0;
}
.perf-stats-gold { background: linear-gradient(90deg, #1a1200, #2a1e00, #1a1200); }

.perf-stats-grid {
  display: flex;
  justify-content: space-around;
  flex-wrap: wrap;
  gap: 20px;
}

.perf-stat { text-align: center; }
.perf-num {
  display: block;
  font-size: 1.6rem;
  font-weight: 900;
  color: var(--white);
  line-height: 1.1;
}
.perf-label {
  font-size: .75rem;
  color: rgba(255,255,255,.5);
  font-weight: 500;
  margin-top: 3px;
}

/* ── PROCESS STEPS (vertical flow) ───────────────────────── */
.process-steps-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
  align-items: start;
}

.process-step {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px 20px 24px;
  box-shadow: var(--shadow);
  text-align: center;
  position: relative;
  transition: var(--transition);
}
.process-step:hover { transform: translateY(-4px); box-shadow: var(--shadow-xl); }

.process-step-num {
  position: absolute;
  top: -14px; left: 50%;
  transform: translateX(-50%);
  background: var(--red);
  color: var(--white);
  width: 28px; height: 28px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: .72rem; font-weight: 800;
  box-shadow: 0 4px 12px rgba(200,16,46,.35);
}

.process-step-icon {
  width: 52px; height: 52px;
  background: rgba(200,16,46,.08);
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  color: var(--red);
  margin: 0 auto 14px;
}

.process-step h3 { font-size: .95rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.process-step p  { font-size: .82rem; color: var(--gray); line-height: 1.7; }

/* ── RISK MANAGEMENT GRID ─────────────────────────────────── */
.risk-grid {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 48px;
  align-items: start;
}

.risk-text > p { font-size: .95rem; color: var(--gray); line-height: 1.8; margin-bottom: 14px; }

.risk-pillars { display: flex; flex-direction: column; gap: 20px; margin-top: 20px; }

.risk-pillar {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}

.risk-pillar-icon {
  width: 40px; height: 40px;
  background: rgba(200,16,46,.08);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  color: var(--red);
  font-size: .95rem;
  flex-shrink: 0;
  margin-top: 2px;
}

.risk-pillar strong { display: block; font-weight: 700; color: var(--navy); font-size: .95rem; margin-bottom: 4px; }
.risk-pillar p      { font-size: .85rem; color: var(--gray); line-height: 1.7; margin: 0; }

.risk-metrics-box {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 28px;
  position: sticky;
  top: 100px;
}

.risk-metrics-box h4 {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--white);
  font-size: .95rem;
  font-weight: 700;
  margin-bottom: 20px;
  padding-bottom: 14px;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.risk-metrics-box h4 i { color: var(--gold-light); }

.risk-metric-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255,255,255,.06);
  font-size: .83rem;
}
.risk-metric-row span  { color: rgba(255,255,255,.6); }
.risk-metric-row strong { color: var(--white); font-weight: 700; }

/* ── ASIDE TABLE ──────────────────────────────────────────── */
.aside-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .82rem;
}
.aside-table th {
  background: var(--light);
  color: var(--navy);
  padding: 8px 10px;
  text-align: left;
  font-weight: 700;
  font-size: .78rem;
}
.aside-table td {
  padding: 8px 10px;
  border-bottom: 1px solid var(--border);
  color: var(--body-text);
}
.aside-table tr:last-child td { border-bottom: none; }
.text-green-bold { color: #16A34A; font-weight: 700; }

/* ── PLAN EXAMPLE LINE ────────────────────────────────────── */
.plan-example {
  background: rgba(200,16,46,.06);
  border-radius: 8px;
  padding: 10px 14px;
  font-size: .82rem;
  color: var(--body-text);
  margin-bottom: 16px;
  border-left: 3px solid var(--red);
}
.plan-example strong { color: var(--red); font-weight: 700; }

/* ── SECTOR TABLE ─────────────────────────────────────────── */
.sector-table-wrap { overflow-x: auto; }
.commodity-table-wrap { overflow-x: auto; }

.sector-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  font-size: .85rem;
}
.sector-table th {
  background: var(--navy);
  color: var(--white);
  padding: 13px 16px;
  text-align: left;
  font-weight: 700;
  font-size: .82rem;
}
.sector-table td {
  padding: 12px 16px;
  border-bottom: 1px solid var(--border);
  color: var(--body-text);
  vertical-align: middle;
}
.sector-table tr:last-child td { border-bottom: none; }
.sector-table tr:hover td { background: var(--light); }

.sector-dot {
  display: inline-block;
  width: 10px; height: 10px;
  border-radius: 50%;
  margin-right: 8px;
  vertical-align: middle;
}
.sector-dot.blue   { background: var(--blue); }
.sector-dot.red    { background: var(--red); }
.sector-dot.gold   { background: var(--gold); }
.sector-dot.green  { background: #16A34A; }
.sector-dot.teal   { background: #0891B2; }
.sector-dot.purple { background: #7C3AED; }
.sector-dot.gray   { background: var(--mid-gray); }

/* ── ROI CALCULATOR ───────────────────────────────────────── */
.roi-calculator {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 40px;
  box-shadow: var(--shadow);
  max-width: 900px;
  margin: 0 auto;
}

.calc-inputs {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-bottom: 32px;
}

.calc-field label {
  display: block;
  font-size: .85rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}

.calc-input-wrap {
  display: flex;
  align-items: center;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  overflow: hidden;
  transition: var(--transition);
}
.calc-input-wrap:focus-within { border-color: var(--red); box-shadow: 0 0 0 3px rgba(200,16,46,.1); }

.calc-prefix {
  padding: 0 12px;
  background: var(--light);
  color: var(--gray);
  font-weight: 700;
  font-size: .95rem;
  height: 48px;
  display: flex;
  align-items: center;
  border-right: 1.5px solid var(--border);
}

.calc-input-wrap input,
.calc-input-wrap select {
  flex: 1;
  padding: 12px 14px;
  border: none;
  outline: none;
  font-family: inherit;
  font-size: .95rem;
  color: var(--dark-text);
  background: var(--white);
  height: 48px;
}

.calc-results {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-bottom: 16px;
}

.calc-result-card {
  background: var(--light);
  border-radius: var(--radius);
  padding: 20px 16px;
  text-align: center;
  border: 1px solid var(--border);
  transition: var(--transition);
}
.calc-result-card.calc-result-highlight {
  background: linear-gradient(145deg, var(--red) 0%, var(--red-dark) 100%);
  border-color: var(--red);
}

.calc-result-icon { font-size: 1.2rem; color: var(--blue); margin-bottom: 8px; }
.calc-result-highlight .calc-result-icon { color: rgba(255,255,255,.8); }

.calc-result-label { font-size: .75rem; color: var(--gray); font-weight: 600; margin-bottom: 6px; text-transform: uppercase; letter-spacing: .05em; }
.calc-result-highlight .calc-result-label { color: rgba(255,255,255,.8); }

.calc-result-value { font-size: 1.5rem; font-weight: 900; color: var(--navy); }
.calc-result-highlight .calc-result-value { color: var(--white); }

.calc-disclaimer { font-size: .78rem; color: var(--mid-gray); text-align: center; margin: 0; }
.calc-disclaimer a { color: var(--red); }

/* ── FAQ TWO COL ──────────────────────────────────────────── */
.faq-two-col { max-width: 820px; margin: 0 auto; }

/* ── FAQ CAT COUNT ────────────────────────────────────────── */
.faq-cat-count {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: rgba(200,16,46,.1);
  color: var(--red);
  border-radius: 12px;
  font-size: .7rem;
  font-weight: 700;
  padding: 1px 7px;
  margin-left: auto;
  flex-shrink: 0;
}
.faq-cat-link { justify-content: flex-start; }

/* ── SERVICES PAGE ADDITIONS ───────────────────────────────── */
.comparison-table .highlighted-row td { background: rgba(27,59,139,0.04); font-weight: 500; }
.trust-metrics-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.trust-metric-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 24px;
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}
.trust-metric-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.trust-metric-icon {
  width: 56px; height: 56px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  margin: 0 auto 16px;
}
.trust-metric-num {
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 10px;
}
.trust-metric-label {
  font-size: 0.85rem;
  color: var(--gray);
  line-height: 1.5;
}

/* ── ADVISORS PAGE ADDITIONS ───────────────────────────────── */
.afc-prev-firms {
  font-size: 0.82rem;
  color: var(--gray);
  margin-bottom: 10px;
}
.afc-prev-firms i { margin-right: 6px; color: var(--blue); }

.advisor-cert-bar {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 28px 32px;
  margin-top: 48px;
}
.cert-bar-title {
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255,255,255,0.6);
  margin-bottom: 18px;
  font-weight: 600;
}
.cert-bar-items {
  display: flex;
  flex-wrap: wrap;
  gap: 16px 32px;
}
.cert-bar-item {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255,255,255,0.85);
  font-size: 0.85rem;
}
.cert-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 4px 10px;
  border-radius: 6px;
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.04em;
  min-width: 36px;
  flex-shrink: 0;
}
.cert-cfa  { background: var(--blue);    color: #fff; }
.cert-cfp  { background: var(--red);     color: #fff; }
.cert-cmt  { background: #7C3AED;        color: #fff; }
.cert-s3   { background: #059669;        color: #fff; }
.cert-s7   { background: #D97706;        color: #fff; }
.cert-s66  { background: #0891B2;        color: #fff; }

.advisor-role-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.advisor-role-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  transition: var(--transition);
}
.advisor-role-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.arc-icon {
  width: 50px; height: 50px;
  background: rgba(27,59,139,0.08);
  color: var(--blue);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  margin-bottom: 16px;
}
.advisor-role-card h4 { font-size: 1rem; color: var(--navy); margin-bottom: 10px; }
.advisor-role-card p  { font-size: 0.875rem; color: var(--gray); line-height: 1.7; }

.comm-channel-list { display: flex; flex-direction: column; gap: 20px; margin-top: 24px; }
.comm-channel {
  display: flex;
  gap: 18px;
  padding: 20px;
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  align-items: flex-start;
}
.comm-icon {
  width: 44px; height: 44px; flex-shrink: 0;
  background: var(--blue);
  color: #fff;
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
}
.comm-channel h4 { font-size: 0.95rem; color: var(--navy); margin-bottom: 6px; }
.comm-channel p  { font-size: 0.83rem; color: var(--gray); line-height: 1.6; margin-bottom: 8px; }
.comm-avail {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  padding: 3px 10px;
  border-radius: 20px;
}
.all-tiers    { background: rgba(27,59,139,0.1); color: var(--blue); }
.growth-plus  { background: rgba(16,185,129,0.12); color: #059669; }
.premium-only { background: rgba(201,150,42,0.15); color: var(--gold); }

.advisor-tier-note {
  display: flex;
  align-items: flex-start;
  gap: 20px;
  background: rgba(27,59,139,0.05);
  border: 1px solid rgba(27,59,139,0.15);
  border-left: 4px solid var(--blue);
  border-radius: var(--radius);
  padding: 24px 28px;
  margin-top: 40px;
}
.atn-icon { font-size: 1.5rem; color: var(--blue); flex-shrink: 0; margin-top: 2px; }
.advisor-tier-note strong { display: block; font-size: 1rem; color: var(--navy); margin-bottom: 6px; }
.advisor-tier-note p { font-size: 0.875rem; color: var(--gray); line-height: 1.7; }

/* ── CONTACT PAGE ADDITIONS ────────────────────────────────── */
.support-channels-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.support-channel-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 20px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}
.support-channel-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.scc-icon {
  width: 52px; height: 52px;
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem;
}
.support-channel-card h4 { font-size: 1rem; font-weight: 700; color: var(--navy); }
.support-channel-card p  { font-size: 0.84rem; color: var(--gray); line-height: 1.65; flex: 1; }
.scc-meta {
  font-size: 0.76rem;
  color: var(--blue);
  font-weight: 600;
  padding: 8px 12px;
  background: rgba(27,59,139,0.06);
  border-radius: 6px;
}

.contact-faq-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.contact-faq-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  box-shadow: var(--shadow-sm);
}
.cfc-icon {
  width: 44px; height: 44px;
  background: rgba(200,16,46,0.08);
  color: var(--red);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
  margin-bottom: 14px;
}
.contact-faq-card h4 { font-size: 0.95rem; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.contact-faq-card p  { font-size: 0.84rem; color: var(--gray); line-height: 1.7; }

.priority-support-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-3) 100%);
  border-radius: var(--radius-lg);
  padding: 36px 40px;
  display: flex;
  align-items: center;
  gap: 28px;
}
.psb-content {
  display: flex;
  align-items: flex-start;
  gap: 20px;
  flex: 1;
}
.psb-icon {
  width: 56px; height: 56px; flex-shrink: 0;
  background: rgba(201,150,42,0.2);
  color: var(--gold-light);
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
}
.priority-support-banner h3 { font-size: 1.15rem; color: #fff; margin-bottom: 8px; }
.priority-support-banner p  { font-size: 0.875rem; color: rgba(255,255,255,0.75); line-height: 1.7; }

/* ── RESPONSIVE — MULTI-PAGE ──────────────────────────────── */
@media (max-width: 1100px) {
  .services-full-grid { grid-template-columns: 1fr; max-width: 560px; margin: 0 auto; }
  .features-grid-6    { grid-template-columns: repeat(2, 1fr); }
  .features-grid-4    { grid-template-columns: repeat(2, 1fr); }
  .trust-metrics-grid { grid-template-columns: repeat(2, 1fr); }
  .advisor-role-grid  { grid-template-columns: repeat(2, 1fr); }
  .support-channels-grid { grid-template-columns: repeat(2, 1fr); }
  .contact-faq-grid   { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 900px) {
  .service-detail-grid { grid-template-columns: 1fr; }
  .service-detail-aside { position: static; }
  .plans-grid-3 { grid-template-columns: 1fr; max-width: 440px; margin: 0 auto; }
  .plans-grid-2 { grid-template-columns: 1fr; max-width: 440px; }
  .advisor-full-card { grid-template-columns: 1fr; }
  .afc-left { flex-direction: row; flex-wrap: wrap; text-align: left; }
  .faq-page-layout { grid-template-columns: 1fr; }
  .faq-sidebar { position: static; }
  .legal-layout { grid-template-columns: 1fr; }
  .legal-toc { position: static; }
  .intro-stats-row { flex-wrap: wrap; }
  .intro-stat { flex: 1 1 40%; border-right: none; border-bottom: 1px solid var(--border); }
  .intro-stat:last-child { border-bottom: none; }
  .priority-support-banner { flex-direction: column; align-items: flex-start; }
  .advisor-tier-note { flex-direction: column; }
}

@media (max-width: 700px) {
  .page-hero { padding: 60px 0 52px; }
  .features-grid-6    { grid-template-columns: 1fr; }
  .features-grid-4    { grid-template-columns: 1fr; }
  .trust-metrics-grid { grid-template-columns: 1fr; }
  .advisor-role-grid  { grid-template-columns: 1fr; }
  .support-channels-grid { grid-template-columns: 1fr; }
  .contact-faq-grid   { grid-template-columns: 1fr; }
  .map-overlay { gap: 14px; padding: 20px; }
  .page-hero-badges   { gap: 8px; }
  .hero-badge-item    { font-size: .8rem; padding: 7px 14px; }
  .nav-dropdown { min-width: 240px; }
  .afc-left { flex-direction: column; align-items: center; text-align: center; }
  .cert-bar-items { gap: 12px; }
  .priority-support-banner { padding: 24px 20px; }
  .psb-content { flex-direction: column; }
}