/* =================================================================
   MASTRI FINANCIAL — Main Stylesheet
   Aesthetic: institutional × refined × tactical
   Palette: deep navy + chromium silver + champagne gold
   Typography: Cormorant Garamond serif + Inter sans + JetBrains Mono
   ================================================================= */

/* -- DESIGN TOKENS -- */
:root {
  /* Core palette */
  --navy:        #0a1228;
  --navy-deep:   #050a1a;
  --navy-mid:    #131c3a;
  --navy-light:  #1f2a4d;
  --silver:      #c8cdd4;
  --silver-2:    #9aa0aa;
  --silver-3:    #e6e8ec;
  --champagne:   #c5a572;
  --gold:        #b8893a;
  --gold-deep:   #8a6420;
  --pearl:       #fafaf7;
  --bone:        #f4f2ec;
  --paper:       #f7f6f1;
  --ink:         #0a1228;
  --muted:       #5e6677;
  --border:      #e3e2dc;
  --border-d:    #1c2542;

  /* Functional */
  --bg:          var(--pearl);
  --fg:          var(--ink);

  /* Type */
  --font-serif:  'Cormorant Garamond', 'Times New Roman', Georgia, serif;
  --font-sans:   'Inter', system-ui, -apple-system, sans-serif;
  --font-mono:   'JetBrains Mono', ui-monospace, monospace;

  /* Radius */
  --r-sm: 4px;
  --r:    8px;
  --r-lg: 16px;
  --r-xl: 24px;

  /* Shadows */
  --sh-sm: 0 2px 4px rgba(10, 18, 40, 0.06);
  --sh:    0 8px 24px rgba(10, 18, 40, 0.10);
  --sh-lg: 0 24px 64px rgba(10, 18, 40, 0.14);
  --sh-gold: 0 12px 32px rgba(184, 137, 58, 0.30);
}

/* -- RESET -- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.65;
  color: var(--fg);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img, svg, video { max-width: 100%; display: block; }
a { color: var(--navy); transition: color 0.2s; }
a:hover { color: var(--gold); }
button { font-family: inherit; cursor: pointer; }
input, textarea, select { font-family: inherit; font-size: inherit; }

h1, h2, h3, h4, h5, h6 {
  margin: 0 0 0.5em;
  line-height: 1.15;
  font-family: var(--font-serif);
  font-weight: 500;
  letter-spacing: -0.01em;
}
p { margin: 0 0 1em; }

.screen-reader-text {
  position: absolute !important;
  width: 1px; height: 1px;
  overflow: hidden; clip: rect(1px, 1px, 1px, 1px);
}
.skip-link {
  position: absolute; top: -100px; left: 0;
  background: var(--navy); color: white;
  padding: 12px 20px; z-index: 9999;
}
.skip-link:focus { top: 0; }

/* -- TYPE PRIMITIVES -- */
.overline {
  display: inline-block;
  font-family: var(--font-mono);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
  position: relative;
  padding-left: 32px;
}
.overline::before {
  content: '';
  position: absolute; left: 0; top: 50%;
  width: 22px; height: 1px;
  background: var(--gold);
  transform: translateY(-50%);
}
.section--dark .overline { color: var(--champagne); }
.section--dark .overline::before { background: var(--champagne); }

/* -- LAYOUT -- */
.container { max-width: 1240px; margin: 0 auto; padding: 0 32px; }
.container--narrow { max-width: 880px; }
.container--wide { max-width: 1400px; }
@media (max-width: 720px) { .container { padding: 0 22px; } }

/* =================================================================
   HEADER
   ================================================================= */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(10, 18, 40, 0.92);
  backdrop-filter: saturate(140%) blur(20px);
  -webkit-backdrop-filter: saturate(140%) blur(20px);
  border-bottom: 1px solid rgba(197, 165, 114, 0.15);
  color: var(--silver-3);
}
.site-header__inner {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 32px;
  padding: 18px 32px;
}
@media (max-width: 960px) {
  .site-header__inner { grid-template-columns: auto auto auto; }
}

.brand-link {
  display: inline-flex; align-items: center;
  text-decoration: none;
}
.brand-logo {
  height: 56px;
  width: auto;
  filter: drop-shadow(0 2px 6px rgba(0,0,0,0.3));
}

/* Nav */
.site-nav { display: flex; justify-content: center; }
.primary-menu {
  display: flex; gap: 4px;
  list-style: none; margin: 0; padding: 0;
}
.primary-menu li a, .primary-menu a {
  display: block;
  padding: 10px 16px;
  font-size: 14px;
  font-weight: 500;
  letter-spacing: 0.04em;
  color: var(--silver-3);
  text-transform: uppercase;
  text-decoration: none;
  border-radius: var(--r-sm);
  transition: color 0.2s, background 0.2s;
  position: relative;
}
.primary-menu li a:hover, .primary-menu a:hover {
  color: var(--champagne);
}
.primary-menu .current-menu-item > a { color: var(--champagne); }
.primary-menu .current-menu-item > a::after {
  content: ''; position: absolute; left: 16px; right: 16px; bottom: 4px; height: 1px;
  background: var(--champagne);
}

/* Nav toggle */
.nav-toggle {
  display: none;
  background: transparent;
  border: 1px solid rgba(197, 165, 114, 0.3);
  padding: 8px;
  border-radius: var(--r-sm);
  width: 40px; height: 40px;
  flex-direction: column; gap: 4px;
  align-items: center; justify-content: center;
}
.nav-toggle span {
  width: 18px; height: 1px;
  background: var(--silver-3);
  transition: transform 0.25s, opacity 0.25s;
}
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(5px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-5px) rotate(-45deg); }

@media (max-width: 960px) {
  .nav-toggle { display: flex; }
  .primary-menu {
    position: fixed; top: 0; right: -100%; bottom: 0;
    width: min(320px, 80vw);
    flex-direction: column;
    background: var(--navy);
    box-shadow: var(--sh-lg);
    padding: 90px 16px 24px;
    transition: right 0.3s;
    overflow-y: auto;
    border-left: 1px solid rgba(197, 165, 114, 0.2);
  }
  .primary-menu.is-open { right: 0; }
  .primary-menu li a, .primary-menu a {
    padding: 16px 20px; font-size: 14px;
    border-bottom: 1px solid rgba(255,255,255,0.05);
    border-radius: 0;
  }
}

/* =================================================================
   BUTTONS
   ================================================================= */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 14px 24px;
  border-radius: var(--r);
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 14px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  border: none;
  text-decoration: none;
  transition: all 0.25s ease;
  cursor: pointer;
  position: relative;
  overflow: hidden;
}
.btn--sm { padding: 10px 18px; font-size: 12px; }
.btn--lg { padding: 18px 32px; font-size: 14px; }
.btn--xl { padding: 22px 40px; font-size: 15px; }

.btn--primary {
  background: linear-gradient(135deg, var(--champagne), var(--gold));
  color: var(--navy);
  box-shadow: var(--sh-gold);
}
.btn--primary:hover {
  transform: translateY(-2px);
  color: var(--navy);
  box-shadow: 0 18px 40px rgba(184, 137, 58, 0.4);
  background: linear-gradient(135deg, #d4b682, #c89a4d);
}

.btn--gold { background: var(--gold); color: var(--navy); }
.btn--gold:hover { background: var(--champagne); color: var(--navy); transform: translateY(-2px); }

.btn--dark {
  background: var(--navy);
  color: var(--pearl);
  border: 1px solid var(--navy);
}
.btn--dark:hover { background: var(--navy-mid); color: var(--champagne); transform: translateY(-2px); }

.btn--outline {
  background: transparent;
  color: var(--navy);
  border: 1px solid var(--navy);
}
.btn--outline:hover { background: var(--navy); color: var(--pearl); }

.btn--outline-white {
  background: transparent;
  color: var(--pearl);
  border: 1px solid rgba(255,255,255,0.3);
}
.btn--outline-white:hover {
  background: rgba(255,255,255,0.08);
  border-color: var(--champagne);
  color: var(--champagne);
}

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

/* Layered background atmospherics */
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(900px 500px at 80% 20%, rgba(197, 165, 114, 0.18), transparent 60%),
    radial-gradient(700px 600px at 10% 90%, rgba(31, 42, 77, 0.6), transparent 60%),
    linear-gradient(135deg, var(--navy-deep), var(--navy));
}
.hero::after {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(197, 165, 114, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(197, 165, 114, 0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  mask-image: radial-gradient(ellipse 80% 70% at 50% 50%, black 30%, transparent 80%);
  pointer-events: none;
}

.hero__inner {
  position: relative;
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 80px;
  align-items: center;
  z-index: 1;
}
@media (max-width: 980px) {
  .hero__inner { grid-template-columns: 1fr; gap: 50px; }
  .hero { padding: 60px 0 80px; min-height: auto; }
}

.hero__title {
  font-family: var(--font-serif);
  font-size: clamp(54px, 8vw, 96px);
  font-weight: 500;
  line-height: 0.98;
  letter-spacing: -0.02em;
  color: var(--pearl);
  margin-bottom: 28px;
}
.hero__title em {
  font-style: italic;
  color: var(--champagne);
  font-weight: 400;
}
.hero__sub {
  font-size: clamp(17px, 1.6vw, 19px);
  color: var(--silver);
  max-width: 520px;
  line-height: 1.65;
  margin-bottom: 36px;
  font-weight: 300;
}

.hero__chips {
  display: flex; flex-wrap: wrap; gap: 8px;
  margin-bottom: 36px;
}
.chip {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 10px 16px;
  border: 1px solid rgba(197, 165, 114, 0.35);
  border-radius: 100px;
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.04em;
  color: var(--champagne);
  background: rgba(197, 165, 114, 0.06);
  text-decoration: none;
  transition: all 0.25s;
}
.chip:hover {
  background: rgba(197, 165, 114, 0.15);
  color: var(--champagne);
  transform: translateY(-1px);
}
.chip::before {
  content: '';
  width: 4px; height: 4px;
  background: var(--champagne);
  border-radius: 50%;
}

.hero__actions { display: flex; flex-wrap: wrap; gap: 14px; }

.hero__signature {
  margin-top: 60px;
  padding-top: 32px;
  border-top: 1px solid rgba(197, 165, 114, 0.15);
  display: flex; gap: 36px; flex-wrap: wrap;
}
.hero__sig-item .sig-num {
  font-family: var(--font-serif);
  font-size: 36px;
  color: var(--champagne);
  line-height: 1;
  display: block;
  margin-bottom: 4px;
}
.hero__sig-item .sig-label {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--silver-2);
}

/* HERO VISUAL: animated emblem panel */
.hero__emblem {
  position: relative;
  aspect-ratio: 1 / 1;
  max-width: 480px;
  margin-left: auto;
}
@media (max-width: 980px) {
  .hero__emblem { margin: 0 auto; max-width: 360px; }
}

.hero__emblem-frame {
  position: absolute;
  inset: 0;
  border: 1px solid rgba(197, 165, 114, 0.3);
  border-radius: 50%;
  animation: emblem-spin 60s linear infinite;
}
.hero__emblem-frame::before,
.hero__emblem-frame::after {
  content: '';
  position: absolute;
  border-radius: 50%;
  border: 1px dashed rgba(197, 165, 114, 0.2);
}
.hero__emblem-frame::before { inset: 24px; }
.hero__emblem-frame::after  { inset: 60px; }
@keyframes emblem-spin {
  to { transform: rotate(360deg); }
}

.hero__emblem-inner {
  position: absolute;
  inset: 80px;
  border-radius: 50%;
  background: radial-gradient(circle at 30% 30%, var(--navy-light), var(--navy-deep) 70%);
  box-shadow:
    inset 0 4px 12px rgba(255, 255, 255, 0.06),
    inset 0 -8px 24px rgba(0, 0, 0, 0.4),
    0 24px 64px rgba(0, 0, 0, 0.5);
  display: flex; align-items: center; justify-content: center;
  overflow: hidden;
}
.hero__emblem-inner::before {
  content: '';
  position: absolute; inset: 0;
  background: conic-gradient(from 0deg, transparent, rgba(197, 165, 114, 0.25), transparent 60%);
  animation: emblem-shine 8s linear infinite;
}
@keyframes emblem-shine {
  to { transform: rotate(360deg); }
}

.hero__emblem-mark {
  position: relative;
  z-index: 1;
  width: 70%;
  filter: drop-shadow(0 8px 24px rgba(0, 0, 0, 0.6));
}

.hero__emblem-tick {
  position: absolute;
  font-family: var(--font-mono);
  font-size: 10px;
  letter-spacing: 0.2em;
  color: var(--champagne);
  opacity: 0.7;
  text-transform: uppercase;
}
.hero__emblem-tick--top    { top: -28px; left: 50%; transform: translateX(-50%); }
.hero__emblem-tick--right  { right: -52px; top: 50%; transform: translateY(-50%) rotate(90deg); transform-origin: center; }
.hero__emblem-tick--bottom { bottom: -28px; left: 50%; transform: translateX(-50%); }
.hero__emblem-tick--left   { left: -52px; top: 50%; transform: translateY(-50%) rotate(-90deg); transform-origin: center; }

/* Floating data cards over emblem */
.hero__data-card {
  position: absolute;
  background: rgba(19, 28, 58, 0.85);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(197, 165, 114, 0.25);
  border-radius: var(--r);
  padding: 14px 18px;
  font-size: 12px;
  color: var(--silver-3);
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.4);
  z-index: 2;
}
.hero__data-card .label {
  font-family: var(--font-mono);
  font-size: 10px;
  letter-spacing: 0.16em;
  color: var(--champagne);
  text-transform: uppercase;
  display: block;
  margin-bottom: 4px;
}
.hero__data-card .value {
  font-family: var(--font-serif);
  font-size: 22px;
  font-weight: 500;
  color: var(--pearl);
  line-height: 1;
}
.hero__data-card--1 { top: 8%; left: -12%; animation: float 6s ease-in-out infinite; }
.hero__data-card--2 { bottom: 12%; right: -16%; animation: float 7s ease-in-out infinite -2s; }
@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}
@media (max-width: 600px) {
  .hero__data-card--1 { left: 0; }
  .hero__data-card--2 { right: 0; }
}

/* =================================================================
   SECTION SHELLS
   ================================================================= */
.section { padding: 120px 0; position: relative; }
.section--tight { padding: 80px 0; }
.section--paper { background: var(--paper); }
.section--bone { background: var(--bone); }
.section--pearl { background: var(--pearl); }

.section--dark {
  background: var(--navy);
  color: var(--silver-3);
}
.section--dark h1, .section--dark h2, .section--dark h3 { color: var(--pearl); }
.section--dark .section__sub { color: var(--silver); }

.section__head {
  max-width: 760px;
  margin-bottom: 80px;
}
.section__head--center { text-align: center; margin-left: auto; margin-right: auto; }

.section__title {
  font-family: var(--font-serif);
  font-size: clamp(38px, 5vw, 64px);
  line-height: 1.05;
  font-weight: 500;
  letter-spacing: -0.015em;
  margin-bottom: 20px;
  color: var(--ink);
}
.section__title em {
  font-style: italic;
  color: var(--gold);
  font-weight: 400;
}
.section--dark .section__title em { color: var(--champagne); }
.section__sub {
  font-size: 18px;
  color: var(--muted);
  line-height: 1.65;
  font-weight: 300;
  max-width: 620px;
}

@media (max-width: 720px) {
  .section { padding: 70px 0; }
  .section__head { margin-bottom: 50px; }
}

/* =================================================================
   PRINCIPLES STRIP
   ================================================================= */
.principles {
  background: var(--bone);
  padding: 100px 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.principles__grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr;
  gap: 60px;
  align-items: start;
}
@media (max-width: 900px) { .principles__grid { grid-template-columns: 1fr; gap: 32px; } }

.principles__lead h2 {
  font-family: var(--font-serif);
  font-size: clamp(34px, 4vw, 50px);
  line-height: 1.05;
  font-weight: 500;
}
.principles__lead h2 em { color: var(--gold); font-style: italic; }
.principles__lead p {
  color: var(--muted);
  font-size: 17px;
  line-height: 1.7;
}

.principle {
  position: relative;
  padding: 24px 0 24px 32px;
  border-left: 1px solid var(--border);
}
.principle__num {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.2em;
  color: var(--gold);
  text-transform: uppercase;
  margin-bottom: 10px;
  display: block;
}
.principle h3 {
  font-family: var(--font-serif);
  font-size: 24px;
  line-height: 1.2;
  margin-bottom: 12px;
  font-weight: 600;
  color: var(--ink);
}
.principle p {
  color: var(--muted);
  font-size: 15px;
  margin: 0;
  line-height: 1.65;
}

/* =================================================================
   SERVICES
   ================================================================= */
.services {
  position: relative;
}
.services__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}
@media (max-width: 760px) { .services__grid { grid-template-columns: 1fr; } }

.svc-card {
  position: relative;
  background: var(--pearl);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 40px 36px;
  transition: all 0.4s ease;
  overflow: hidden;
}
.svc-card::before {
  content: '';
  position: absolute; left: 0; top: 0; bottom: 0; width: 3px;
  background: linear-gradient(to bottom, var(--champagne), var(--gold));
  transform: scaleY(0); transform-origin: top;
  transition: transform 0.5s ease;
}
.svc-card:hover {
  border-color: var(--gold);
  background: var(--pearl);
  box-shadow: var(--sh-lg);
  transform: translateY(-4px);
}
.svc-card:hover::before { transform: scaleY(1); }

.svc-card__cat {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.2em;
  color: var(--gold);
  text-transform: uppercase;
  margin-bottom: 14px;
  display: block;
}
.svc-card h3 {
  font-family: var(--font-serif);
  font-size: 30px;
  line-height: 1.15;
  font-weight: 500;
  margin-bottom: 14px;
  color: var(--ink);
}
.svc-card p {
  color: var(--muted);
  line-height: 1.65;
  margin-bottom: 20px;
}
.svc-card__list {
  list-style: none; padding: 0; margin: 0;
  display: grid; gap: 8px;
}
.svc-card__list li {
  position: relative;
  padding-left: 22px;
  font-size: 14px;
  color: var(--ink);
}
.svc-card__list li::before {
  content: '';
  position: absolute; left: 0; top: 9px;
  width: 12px; height: 1px;
  background: var(--gold);
}

.svc-card--feature {
  grid-column: span 2;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  color: var(--silver-3);
  border-color: transparent;
  padding: 56px 48px;
  position: relative;
}
.svc-card--feature::before { background: linear-gradient(to bottom, var(--champagne), var(--gold)); }
.svc-card--feature::after {
  content: '';
  position: absolute;
  right: -100px; bottom: -100px;
  width: 360px; height: 360px;
  background: radial-gradient(circle, rgba(197, 165, 114, 0.15), transparent 70%);
  pointer-events: none;
}
.svc-card--feature h3 { color: var(--pearl); font-size: 38px; }
.svc-card--feature p { color: var(--silver); font-size: 16px; }
.svc-card--feature .svc-card__cat { color: var(--champagne); }
.svc-card--feature .svc-card__list li { color: var(--silver-3); }
.svc-card--feature .svc-card__list li::before { background: var(--champagne); }
@media (max-width: 760px) { .svc-card--feature { grid-column: auto; padding: 40px 32px; } }

.svc-card__cta {
  display: inline-flex; align-items: center; gap: 8px;
  margin-top: 24px;
  font-family: var(--font-mono);
  font-size: 12px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  font-weight: 600;
  color: var(--gold);
  text-decoration: none;
  transition: gap 0.2s;
}
.svc-card__cta:hover { gap: 14px; color: var(--gold); }

/* =================================================================
   ABOUT / OWNER
   ================================================================= */
.about {
  position: relative;
  padding: 140px 0;
  background: linear-gradient(180deg, var(--navy-deep), var(--navy) 50%, var(--navy-deep));
  color: var(--silver-3);
  overflow: hidden;
}
.about::before {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(197, 165, 114, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(197, 165, 114, 0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  mask-image: radial-gradient(ellipse 70% 60% at 50% 50%, black, transparent 80%);
}
.about__grid {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 80px;
  align-items: start;
}
@media (max-width: 900px) { .about__grid { grid-template-columns: 1fr; gap: 50px; } }

.about__portrait {
  position: relative;
  aspect-ratio: 4 / 5;
  background:
    radial-gradient(ellipse at top, rgba(197, 165, 114, 0.12), transparent 60%),
    var(--navy-mid);
  border-radius: var(--r-lg);
  border: 1px solid rgba(197, 165, 114, 0.2);
  display: flex; align-items: center; justify-content: center;
  overflow: hidden;
}
.about__portrait::before {
  content: '';
  position: absolute; inset: 24px;
  border: 1px dashed rgba(197, 165, 114, 0.2);
  border-radius: var(--r);
}
.about__portrait-mark {
  width: 60%;
  filter: drop-shadow(0 12px 32px rgba(0,0,0,0.5));
  opacity: 0.95;
}
.about__portrait-stamp {
  position: absolute;
  bottom: 20px; left: 20px; right: 20px;
  background: rgba(10, 18, 40, 0.85);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(197, 165, 114, 0.2);
  padding: 16px 20px;
  border-radius: var(--r);
}
.about__portrait-stamp strong {
  font-family: var(--font-serif);
  font-size: 22px;
  color: var(--pearl);
  display: block;
  font-weight: 500;
}
.about__portrait-stamp span {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--champagne);
  margin-top: 4px;
  display: block;
}

.about__copy h2 {
  font-family: var(--font-serif);
  font-size: clamp(36px, 5vw, 60px);
  line-height: 1.05;
  color: var(--pearl);
  margin-bottom: 24px;
  font-weight: 500;
}
.about__copy h2 em { color: var(--champagne); font-style: italic; font-weight: 400; }
.about__copy p {
  color: var(--silver);
  font-size: 17px;
  line-height: 1.75;
  font-weight: 300;
}
.about__copy strong { color: var(--pearl); font-weight: 600; }

.about__pullquote {
  margin: 36px 0;
  padding: 28px 32px;
  border-left: 2px solid var(--champagne);
  background: rgba(197, 165, 114, 0.04);
  border-radius: 0 var(--r) var(--r) 0;
}
.about__pullquote p {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 21px;
  color: var(--pearl);
  line-height: 1.5;
  margin: 0;
}
.about__pullquote cite {
  display: block;
  margin-top: 14px;
  font-style: normal;
  font-family: var(--font-mono);
  font-size: 12px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--champagne);
}

/* =================================================================
   PROCESS
   ================================================================= */
.process {
  background: var(--paper);
}
.process__steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  position: relative;
}
@media (max-width: 900px) { .process__steps { grid-template-columns: 1fr; gap: 24px; } }

.process__steps::before {
  content: '';
  position: absolute;
  top: 50px; left: 8%; right: 8%;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold) 20%, var(--gold) 80%, transparent);
  opacity: 0.4;
  z-index: 0;
}
@media (max-width: 900px) { .process__steps::before { display: none; } }

.process-step {
  position: relative;
  z-index: 1;
  background: var(--pearl);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 40px 32px;
  text-align: center;
  transition: all 0.3s;
}
.process-step:hover {
  border-color: var(--gold);
  box-shadow: var(--sh);
  transform: translateY(-4px);
}
.process-step__num {
  width: 64px; height: 64px;
  margin: 0 auto 24px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border: 1px solid var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-serif);
  font-size: 28px;
  font-weight: 500;
  color: var(--champagne);
  position: relative;
}
.process-step__num::before {
  content: '';
  position: absolute; inset: -6px;
  border: 1px dashed rgba(184, 137, 58, 0.35);
  border-radius: 50%;
}
.process-step h3 {
  font-family: var(--font-serif);
  font-size: 26px;
  font-weight: 500;
  margin-bottom: 12px;
  line-height: 1.2;
}
.process-step p {
  color: var(--muted);
  font-size: 15px;
  margin: 0;
  line-height: 1.65;
}

/* =================================================================
   QUOTE FORM
   ================================================================= */
.quote-section {
  background: var(--navy);
  color: var(--pearl);
  padding: 120px 0;
  position: relative;
  overflow: hidden;
}
.quote-section::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(800px 500px at 90% 10%, rgba(197, 165, 114, 0.18), transparent 60%);
}
.quote-section__grid {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 80px;
  align-items: start;
}
@media (max-width: 980px) { .quote-section__grid { grid-template-columns: 1fr; gap: 50px; } }

.quote-section__intro h2 {
  font-family: var(--font-serif);
  font-size: clamp(40px, 5vw, 60px);
  line-height: 1.05;
  color: var(--pearl);
  font-weight: 500;
  margin-bottom: 24px;
}
.quote-section__intro h2 em { color: var(--champagne); font-style: italic; font-weight: 400; }
.quote-section__intro p {
  color: var(--silver);
  font-size: 17px;
  line-height: 1.7;
  font-weight: 300;
  max-width: 460px;
}
.quote-section__perks {
  list-style: none; padding: 0;
  margin: 32px 0 0;
  display: grid; gap: 14px;
}
.quote-section__perks li {
  display: flex; gap: 12px; align-items: flex-start;
  font-size: 15px;
  color: var(--silver-3);
}
.quote-section__perks li svg {
  width: 20px; height: 20px;
  color: var(--champagne);
  flex-shrink: 0;
  margin-top: 2px;
}
.quote-section__guarantee {
  margin-top: 40px;
  padding: 20px 24px;
  background: rgba(197, 165, 114, 0.06);
  border: 1px solid rgba(197, 165, 114, 0.2);
  border-radius: var(--r);
}
.quote-section__guarantee strong {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 17px;
  color: var(--champagne);
  display: block;
  margin-bottom: 4px;
}
.quote-section__guarantee p {
  font-size: 13px; color: var(--silver-2);
  margin: 0;
}

/* Form */
.quote-form {
  background: var(--pearl);
  border-radius: var(--r-lg);
  padding: 44px;
  color: var(--ink);
  box-shadow: var(--sh-lg);
}
.quote-form h3 {
  font-family: var(--font-serif);
  font-size: 28px;
  margin-bottom: 8px;
  font-weight: 500;
}
.quote-form__sub {
  color: var(--muted);
  font-size: 14px;
  margin-bottom: 32px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 16px;
}
.form-row--single { grid-template-columns: 1fr; }
@media (max-width: 600px) { .form-row { grid-template-columns: 1fr; } }

.form-field { display: flex; flex-direction: column; }
.form-field label {
  font-family: var(--font-mono);
  font-weight: 600; font-size: 11px;
  color: var(--ink);
  letter-spacing: 0.16em;
  text-transform: uppercase;
  margin-bottom: 8px;
}
.form-field label .req { color: var(--gold); }
.form-field input,
.form-field select,
.form-field textarea {
  padding: 14px 16px;
  background: var(--bone);
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  font-size: 15px;
  font-family: var(--font-sans);
  color: var(--ink);
  transition: border-color 0.2s, background 0.2s;
}
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  outline: none;
  border-color: var(--gold);
  background: var(--pearl);
  box-shadow: 0 0 0 3px rgba(184, 137, 58, 0.1);
}
.form-field textarea { resize: vertical; min-height: 100px; }

.product-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 8px;
}
.product-pill {
  position: relative;
  display: block;
  padding: 14px 18px;
  background: var(--bone);
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  cursor: pointer;
  font-size: 13px;
  font-weight: 500;
  user-select: none;
  transition: all 0.2s;
  text-align: left;
}
.product-pill input { position: absolute; opacity: 0; pointer-events: none; }
.product-pill:hover { border-color: var(--gold); }
.product-pill:has(input:checked) {
  background: var(--navy);
  color: var(--pearl);
  border-color: var(--navy);
}
.product-pill small {
  display: block;
  font-size: 11px;
  font-weight: 400;
  color: var(--muted);
  margin-top: 2px;
}
.product-pill:has(input:checked) small { color: var(--silver); }

.form-submit {
  margin-top: 12px;
  width: 100%;
  padding: 18px;
  font-size: 14px;
  background: linear-gradient(135deg, var(--champagne), var(--gold));
  color: var(--navy);
  border: none;
  border-radius: var(--r);
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  cursor: pointer;
  transition: all 0.25s;
  box-shadow: var(--sh-gold);
}
.form-submit:hover { transform: translateY(-2px); box-shadow: 0 18px 40px rgba(184, 137, 58, 0.45); }
.form-submit:disabled { opacity: 0.6; cursor: not-allowed; transform: none; }

.form-message {
  margin-top: 18px;
  padding: 14px 16px;
  border-radius: var(--r-sm);
  display: none;
  font-size: 14px;
}
.form-message.is-success { display: block; background: rgba(22, 163, 74, 0.08); color: #14532d; border-left: 3px solid #16a34a; }
.form-message.is-error   { display: block; background: rgba(185, 28, 28, 0.08); color: #7f1d1d; border-left: 3px solid #b91c1c; }

/* =================================================================
   FOOTER
   ================================================================= */
.footer-cta-band {
  background: linear-gradient(135deg, var(--navy-deep), var(--navy));
  color: var(--pearl);
  padding: 100px 0;
  position: relative;
  overflow: hidden;
}
.footer-cta-band::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(700px 400px at 80% 50%, rgba(197, 165, 114, 0.15), transparent 60%);
}
.footer-cta-band::after {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(197, 165, 114, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(197, 165, 114, 0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  mask-image: radial-gradient(ellipse 80% 70% at 50% 50%, black, transparent 80%);
}
.footer-cta-band__inner {
  position: relative;
  display: grid;
  grid-template-columns: 1.3fr auto;
  gap: 40px;
  align-items: end;
}
@media (max-width: 800px) {
  .footer-cta-band__inner { grid-template-columns: 1fr; }
  .footer-cta-band { padding: 70px 0; }
}
.footer-cta-band__title {
  font-family: var(--font-serif);
  font-size: clamp(36px, 5vw, 60px);
  font-weight: 500;
  line-height: 1.05;
  color: var(--pearl);
  margin: 12px 0 16px;
}
.footer-cta-band__sub {
  color: var(--silver);
  font-size: 17px;
  font-weight: 300;
  margin: 0;
  max-width: 540px;
}
.footer-cta-band__actions {
  display: flex; gap: 12px; flex-wrap: wrap;
}

.site-footer { background: var(--navy-deep); color: var(--silver); }
.footer-main { padding: 80px 0 50px; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 50px;
}
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; } }
@media (max-width: 540px) { .footer-grid { grid-template-columns: 1fr; } }

.brand-logo--footer { height: 64px; }
.footer-blurb {
  margin: 24px 0 16px;
  color: var(--silver);
  font-size: 14px;
  line-height: 1.7;
  font-weight: 300;
  max-width: 360px;
}
.footer-meta {
  margin: 0;
  font-size: 13px;
  color: var(--silver-2);
  line-height: 1.6;
}
.footer-meta strong { color: var(--champagne); font-weight: 500; }

.footer-title {
  font-family: var(--font-serif);
  font-size: 18px;
  color: var(--pearl);
  font-weight: 500;
  margin-bottom: 18px;
  position: relative;
  padding-bottom: 10px;
  letter-spacing: 0.01em;
}
.footer-title::after {
  content: ''; position: absolute; left: 0; bottom: 0;
  width: 24px; height: 1px; background: var(--gold);
}
.footer-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.footer-list a {
  color: var(--silver);
  font-size: 13px;
  text-decoration: none;
  transition: color 0.2s, padding-left 0.2s;
}
.footer-list a:hover { color: var(--champagne); padding-left: 4px; }
.footer-list--contact li { font-size: 13px; color: var(--silver); }
.footer-email { font-family: var(--font-mono); font-size: 14px; }
.footer-meta-small { font-size: 12px; color: var(--silver-2); margin-top: 8px; line-height: 1.6; }

.footer-disclosure {
  background: var(--navy-deep);
  border-top: 1px solid rgba(255,255,255,0.05);
  padding: 24px 0;
}
.footer-disclosure p {
  font-size: 11px;
  color: var(--silver-2);
  line-height: 1.7;
  margin: 0;
  max-width: 1100px;
  font-weight: 300;
}
.footer-disclosure strong {
  color: var(--silver);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-size: 11px;
}

.footer-bottom {
  background: #030712;
  padding: 16px 0;
  border-top: 1px solid rgba(255,255,255,0.05);
  font-size: 12px;
}
.footer-bottom__inner {
  display: flex; justify-content: space-between;
  flex-wrap: wrap; gap: 12px;
  color: var(--silver-2);
}
.footer-legal a { color: var(--silver-2); text-decoration: none; }
.footer-legal a:hover { color: var(--champagne); }
.footer-legal .dot { margin: 0 8px; opacity: 0.5; }

/* =================================================================
   PAGE HERO (interior)
   ================================================================= */
.page-hero {
  padding: 100px 0 80px;
  background: var(--navy);
  color: var(--pearl);
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(700px 400px at 90% 10%, rgba(197, 165, 114, 0.15), transparent 60%),
    linear-gradient(135deg, var(--navy-deep), var(--navy));
}
.page-hero::after {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(197, 165, 114, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(197, 165, 114, 0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  mask-image: radial-gradient(ellipse 80% 70% at 50% 50%, black, transparent 80%);
}
.page-hero > .container {
  position: relative; z-index: 1;
}
.page-hero__breadcrumb {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--champagne);
  margin-bottom: 16px;
}
.page-hero__title {
  font-family: var(--font-serif);
  font-size: clamp(48px, 7vw, 84px);
  line-height: 1;
  color: var(--pearl);
  font-weight: 500;
  margin-bottom: 20px;
  letter-spacing: -0.015em;
}
.page-hero__title em { color: var(--champagne); font-style: italic; font-weight: 400; }
.page-hero__sub {
  font-size: 19px;
  color: var(--silver);
  max-width: 620px;
  font-weight: 300;
  line-height: 1.6;
}

/* =================================================================
   SERVICE DETAIL ANCHORS (services page)
   ================================================================= */
.service-detail {
  padding: 100px 0;
  border-bottom: 1px solid var(--border);
}
.service-detail:nth-child(even) { background: var(--paper); }
.service-detail__grid {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 60px;
  align-items: start;
}
@media (max-width: 900px) { .service-detail__grid { grid-template-columns: 1fr; gap: 40px; } }

.service-detail__cat {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.22em;
  color: var(--gold);
  text-transform: uppercase;
  margin-bottom: 14px;
  display: block;
}
.service-detail h2 {
  font-family: var(--font-serif);
  font-size: clamp(32px, 4vw, 48px);
  line-height: 1.1;
  color: var(--ink);
  font-weight: 500;
  margin-bottom: 0;
}
.service-detail h2 em { color: var(--gold); font-style: italic; font-weight: 400; }

.service-detail__body {
  font-size: 17px;
  color: var(--ink);
  line-height: 1.75;
}
.service-detail__body p { margin-bottom: 1.2em; color: var(--ink); }
.service-detail__body strong { color: var(--gold); font-weight: 600; }

.service-detail__list {
  list-style: none; padding: 0; margin: 24px 0 0;
  display: grid; gap: 12px;
}
.service-detail__list li {
  position: relative;
  padding-left: 28px;
  font-size: 15px;
  color: var(--ink);
  line-height: 1.55;
}
.service-detail__list li::before {
  content: '';
  position: absolute; left: 0; top: 9px;
  width: 16px; height: 1px;
  background: var(--gold);
}

/* =================================================================
   CONTACT
   ================================================================= */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 60px;
  align-items: start;
}
@media (max-width: 900px) { .contact-grid { grid-template-columns: 1fr; gap: 40px; } }

.contact-aside {
  background: var(--navy);
  color: var(--pearl);
  padding: 44px;
  border-radius: var(--r-lg);
  position: relative;
  overflow: hidden;
}
.contact-aside::before {
  content: '';
  position: absolute;
  right: -100px; top: -100px;
  width: 280px; height: 280px;
  background: radial-gradient(circle, rgba(197, 165, 114, 0.18), transparent 70%);
  pointer-events: none;
}
.contact-aside h3 {
  font-family: var(--font-serif);
  font-size: 30px;
  font-weight: 500;
  margin-bottom: 14px;
  color: var(--pearl);
}
.contact-aside p {
  color: var(--silver);
  font-size: 15px;
  line-height: 1.7;
  margin-bottom: 24px;
  font-weight: 300;
}
.contact-aside__email {
  display: block;
  margin-top: 24px;
  padding: 18px 20px;
  background: rgba(197, 165, 114, 0.08);
  border: 1px solid rgba(197, 165, 114, 0.25);
  border-radius: var(--r);
  position: relative;
  z-index: 1;
}
.contact-aside__email small {
  display: block;
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.18em;
  color: var(--champagne);
  text-transform: uppercase;
  margin-bottom: 4px;
}
.contact-aside__email a {
  font-family: var(--font-mono);
  font-size: 17px;
  color: var(--pearl);
  text-decoration: none;
  font-weight: 500;
  word-break: break-word;
}
.contact-aside__email a:hover { color: var(--champagne); }

/* =================================================================
   PROSE (default page content)
   ================================================================= */
.prose {
  font-size: 17px;
  line-height: 1.8;
  color: var(--ink);
}
.prose h1, .prose h2, .prose h3 { margin-top: 1.5em; }
.prose p { margin-bottom: 1.2em; }
.prose a { color: var(--gold); text-decoration: underline; }

/* =================================================================
   ANIMATION HELPERS
   ================================================================= */
.reveal {
  opacity: 0; transform: translateY(28px);
  transition: opacity 0.8s, transform 0.8s;
}
.reveal.is-visible { opacity: 1; transform: translateY(0); }

/* Stagger delays */
.reveal:nth-child(2) { transition-delay: 0.1s; }
.reveal:nth-child(3) { transition-delay: 0.2s; }
.reveal:nth-child(4) { transition-delay: 0.3s; }

/* =================================================================
   SERVICE PAGE SHARED PRIMITIVES
   ================================================================= */

/* Service hero variant — taller, with overline and signature stat */
.svc-hero {
  padding: 120px 0 80px;
  position: relative;
  overflow: hidden;
  background: var(--navy);
  color: var(--pearl);
}
.svc-hero::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(700px 400px at 90% 0%, rgba(197, 165, 114, 0.18), transparent 60%),
    linear-gradient(135deg, var(--navy-deep), var(--navy));
}
.svc-hero::after {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(197, 165, 114, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(197, 165, 114, 0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  mask-image: radial-gradient(ellipse 80% 70% at 50% 50%, black, transparent 80%);
}
.svc-hero > .container { position: relative; z-index: 1; }

.svc-hero__grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 60px;
  align-items: end;
}
@media (max-width: 900px) { .svc-hero__grid { grid-template-columns: 1fr; gap: 40px; } }

.svc-hero__title {
  font-family: var(--font-serif);
  font-size: clamp(48px, 7vw, 84px);
  line-height: 1;
  color: var(--pearl);
  font-weight: 500;
  letter-spacing: -0.015em;
  margin: 14px 0 24px;
}
.svc-hero__title em { color: var(--champagne); font-style: italic; font-weight: 400; }
.svc-hero__sub {
  font-size: 19px;
  color: var(--silver);
  max-width: 560px;
  font-weight: 300;
  line-height: 1.65;
  margin-bottom: 28px;
}
.svc-hero__sig {
  background: rgba(197, 165, 114, 0.08);
  border: 1px solid rgba(197, 165, 114, 0.25);
  border-radius: var(--r-lg);
  padding: 28px;
}
.svc-hero__sig-label {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--champagne);
  display: block;
  margin-bottom: 12px;
}
.svc-hero__sig-value {
  font-family: var(--font-serif);
  font-size: 30px;
  color: var(--pearl);
  font-weight: 500;
  line-height: 1.1;
}

/* Two-column intro section */
.svc-intro {
  padding: 100px 0;
}
.svc-intro__grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 60px;
  align-items: start;
}
@media (max-width: 900px) { .svc-intro__grid { grid-template-columns: 1fr; gap: 40px; } }

.svc-intro__head h2 {
  font-family: var(--font-serif);
  font-size: clamp(36px, 5vw, 56px);
  line-height: 1.05;
  font-weight: 500;
}
.svc-intro__head h2 em { color: var(--gold); font-style: italic; font-weight: 400; }

.svc-intro__body {
  font-size: 17px;
  line-height: 1.75;
  color: var(--ink);
}
.svc-intro__body p { margin-bottom: 1.2em; }
.svc-intro__body strong { color: var(--gold); font-weight: 600; }

/* COMPARISON TABLE (used by Life Insurance) */
.compare-table {
  background: var(--pearl);
  border-radius: var(--r-lg);
  border: 1px solid var(--border);
  overflow: hidden;
  box-shadow: var(--sh);
}
.compare-table__head {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr 1fr;
  background: var(--navy);
  color: var(--pearl);
}
.compare-table__head > div {
  padding: 22px 20px;
  font-family: var(--font-serif);
  font-size: 18px;
  font-weight: 500;
  border-right: 1px solid rgba(255,255,255,0.08);
}
.compare-table__head > div:first-child {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--champagne);
  font-weight: 600;
  display: flex; align-items: center;
}
.compare-table__head > div:last-child { border-right: none; }

.compare-row {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr 1fr;
  border-top: 1px solid var(--border);
}
.compare-row > div {
  padding: 18px 20px;
  font-size: 14px;
  border-right: 1px solid var(--border);
  display: flex; align-items: center;
  line-height: 1.5;
  color: var(--ink);
}
.compare-row > div:first-child {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--muted);
  font-weight: 600;
  background: var(--paper);
}
.compare-row > div:last-child { border-right: none; }

.compare-row .check { color: #16a34a; font-weight: 700; }
.compare-row .x { color: var(--muted); opacity: 0.4; }

@media (max-width: 760px) {
  .compare-table__head, .compare-row { grid-template-columns: 1fr; }
  .compare-table__head > div, .compare-row > div { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.08); }
  .compare-row > div { border-bottom: 1px solid var(--border); }
  .compare-row > div:first-child {
    background: var(--navy);
    color: var(--champagne);
    padding: 14px 20px;
  }
}

/* TIMELINE (used by Mortgage Protection) */
.timeline {
  position: relative;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}
.timeline::before {
  content: '';
  position: absolute;
  top: 40px; left: 8%; right: 8%;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold) 15%, var(--gold) 85%, transparent);
  opacity: 0.5;
}
@media (max-width: 800px) { .timeline { grid-template-columns: 1fr; gap: 32px; } .timeline::before { display: none; } }

.timeline-step {
  position: relative;
  text-align: center;
  padding: 0 16px;
}
.timeline-step__node {
  width: 80px;
  height: 80px;
  margin: 0 auto 24px;
  border-radius: 50%;
  background: var(--pearl);
  border: 2px solid var(--gold);
  display: flex; align-items: center; justify-content: center;
  position: relative;
  z-index: 1;
  font-family: var(--font-serif);
  font-size: 26px;
  color: var(--gold);
  font-weight: 500;
}
.timeline-step__node::before {
  content: '';
  position: absolute;
  inset: -8px;
  border: 1px dashed rgba(184, 137, 58, 0.35);
  border-radius: 50%;
}
.timeline-step--active .timeline-step__node {
  background: linear-gradient(135deg, var(--champagne), var(--gold));
  color: var(--navy);
  border-color: var(--gold);
}
.timeline-step__label {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 8px;
  display: block;
}
.timeline-step h3 {
  font-family: var(--font-serif);
  font-size: 22px;
  font-weight: 500;
  margin-bottom: 10px;
  line-height: 1.2;
}
.timeline-step p {
  color: var(--muted);
  font-size: 14px;
  margin: 0;
  line-height: 1.6;
}

/* MARKET CHART (used by Annuities) */
.market-chart {
  position: relative;
  background: var(--pearl);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 36px;
  box-shadow: var(--sh);
}
.market-chart__head {
  display: flex; justify-content: space-between; align-items: end;
  margin-bottom: 28px;
  flex-wrap: wrap; gap: 16px;
}
.market-chart__title {
  font-family: var(--font-serif);
  font-size: 24px;
  font-weight: 500;
  margin: 0;
}
.market-chart__legend {
  display: flex; gap: 18px; flex-wrap: wrap;
}
.market-chart__legend-item {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--muted);
  font-weight: 600;
}
.market-chart__swatch {
  width: 14px; height: 4px; border-radius: 2px;
}
.market-chart__viz {
  position: relative;
  height: 280px;
  border-bottom: 1px solid var(--border);
  border-left: 1px solid var(--border);
  margin-bottom: 20px;
}
.market-chart__zero {
  position: absolute; left: 0; right: 0;
  top: 50%;
  border-top: 1px dashed var(--border);
}
.market-chart__zero-label {
  position: absolute; left: -38px; top: -8px;
  font-family: var(--font-mono);
  font-size: 10px;
  letter-spacing: 0.1em;
  color: var(--muted);
  text-transform: uppercase;
}
.market-chart__floor {
  position: absolute; left: 0; right: 0;
  top: 50%;
  border-top: 2px solid var(--gold);
  z-index: 1;
}
.market-chart__floor-label {
  position: absolute; right: 0; top: -22px;
  font-family: var(--font-mono);
  font-size: 10px;
  letter-spacing: 0.14em;
  color: var(--gold);
  text-transform: uppercase;
  font-weight: 600;
  background: var(--pearl);
  padding: 0 8px;
}
.market-chart__svg {
  width: 100%; height: 100%;
  display: block;
}
.market-chart__caption {
  font-size: 13px;
  color: var(--muted);
  font-style: italic;
  line-height: 1.5;
  margin: 0;
}

/* TRANSFER FLOW (used by Rollovers) */
.flow {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 28px;
  align-items: stretch;
}
@media (max-width: 800px) {
  .flow { grid-template-columns: 1fr; }
  .flow__arrow { transform: rotate(90deg); margin: 0 auto; }
}

.flow__node {
  background: var(--pearl);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 32px;
  position: relative;
  display: flex; flex-direction: column;
}
.flow__node--from { border-left: 3px solid #b91c1c; }
.flow__node--to { border-left: 3px solid var(--gold); }
.flow__node-label {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 10px;
}
.flow__node-title {
  font-family: var(--font-serif);
  font-size: 26px;
  font-weight: 500;
  margin-bottom: 12px;
  line-height: 1.15;
}
.flow__node--from .flow__node-title { color: #7f1d1d; }
.flow__node--to .flow__node-title { color: var(--gold); }
.flow__node p {
  color: var(--muted);
  font-size: 14px;
  line-height: 1.6;
  margin-bottom: 16px;
}
.flow__node-list {
  list-style: none; padding: 0; margin: auto 0 0;
  display: grid; gap: 6px;
  font-size: 13px;
}
.flow__node-list li {
  padding-left: 18px;
  position: relative;
  color: var(--ink);
  line-height: 1.5;
}
.flow__node--from .flow__node-list li::before {
  content: '✕';
  position: absolute; left: 0; top: 0;
  color: #b91c1c;
  font-weight: 700;
}
.flow__node--to .flow__node-list li::before {
  content: '✓';
  position: absolute; left: 0; top: 0;
  color: #16a34a;
  font-weight: 700;
}

.flow__arrow {
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
}
.flow__arrow svg {
  width: 80px; height: 60px;
}

/* SERENE STRIP (used by Final Expense — softer, calmer) */
.serene {
  padding: 100px 0;
  background: linear-gradient(180deg, var(--paper), var(--bone));
  text-align: center;
}
.serene__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
@media (max-width: 800px) { .serene__grid { grid-template-columns: 1fr; gap: 24px; } }

.serene-card {
  padding: 36px 28px;
  background: var(--pearl);
  border-radius: var(--r-lg);
  border: 1px solid var(--border);
  text-align: left;
}
.serene-card__icon {
  width: 48px; height: 48px;
  border-radius: 50%;
  background: rgba(197, 165, 114, 0.12);
  border: 1px solid rgba(184, 137, 58, 0.25);
  display: flex; align-items: center; justify-content: center;
  color: var(--gold);
  margin-bottom: 20px;
}
.serene-card__icon svg { width: 22px; height: 22px; }
.serene-card h3 {
  font-family: var(--font-serif);
  font-size: 22px;
  font-weight: 500;
  margin-bottom: 10px;
}
.serene-card p {
  color: var(--muted);
  font-size: 14px;
  line-height: 1.65;
  margin: 0;
}

/* BOARDROOM CARD (used by Key Person — corporate/B2B) */
.boardroom {
  padding: 100px 0;
  background: var(--navy-deep);
  color: var(--silver-3);
  position: relative;
  overflow: hidden;
}
.boardroom::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(800px 400px at 50% 0%, rgba(197, 165, 114, 0.12), transparent 60%);
}
.boardroom > .container { position: relative; }
.boardroom__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
@media (max-width: 800px) { .boardroom__grid { grid-template-columns: 1fr; gap: 24px; } }

.stat-block {
  padding: 36px 32px;
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(197, 165, 114, 0.2);
  border-radius: var(--r-lg);
  position: relative;
}
.stat-block__num {
  font-family: var(--font-serif);
  font-size: 64px;
  font-weight: 500;
  color: var(--champagne);
  line-height: 1;
  margin-bottom: 14px;
  letter-spacing: -0.02em;
}
.stat-block__num small {
  font-size: 32px;
  color: var(--silver);
  font-weight: 400;
  margin-left: 4px;
}
.stat-block h3 {
  font-family: var(--font-serif);
  font-size: 22px;
  font-weight: 500;
  margin-bottom: 10px;
  color: var(--pearl);
  line-height: 1.2;
}
.stat-block p {
  color: var(--silver);
  font-size: 14px;
  margin: 0;
  line-height: 1.6;
}

/* SERVICE CTA STRIP (small footer-style CTA inside service pages) */
.svc-cta {
  padding: 80px 0;
  background: var(--paper);
  border-top: 1px solid var(--border);
  text-align: center;
}
.svc-cta__inner {
  max-width: 640px;
  margin: 0 auto;
}
.svc-cta h2 {
  font-family: var(--font-serif);
  font-size: clamp(32px, 4vw, 48px);
  font-weight: 500;
  line-height: 1.05;
  margin-bottom: 16px;
}
.svc-cta h2 em { color: var(--gold); font-style: italic; font-weight: 400; }
.svc-cta p {
  color: var(--muted);
  font-size: 17px;
  margin-bottom: 28px;
  line-height: 1.6;
}

/* SERVICE CROSS-LINK BAND */
.cross-link {
  padding: 80px 0;
  background: var(--bone);
  border-top: 1px solid var(--border);
}
.cross-link__head {
  text-align: center;
  margin-bottom: 50px;
}
.cross-link__head h2 {
  font-family: var(--font-serif);
  font-size: clamp(28px, 3.5vw, 38px);
  font-weight: 500;
  margin: 0;
}
.cross-link__head h2 em { color: var(--gold); font-style: italic; font-weight: 400; }
.cross-link__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 16px;
}
.cross-link__card {
  padding: 24px 26px;
  background: var(--pearl);
  border: 1px solid var(--border);
  border-radius: var(--r);
  display: flex; flex-direction: column; gap: 10px;
  text-decoration: none;
  transition: all 0.25s;
  position: relative;
}
.cross-link__card:hover {
  border-color: var(--gold);
  transform: translateY(-3px);
  box-shadow: var(--sh);
}
.cross-link__card-cat {
  font-family: var(--font-mono);
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 600;
}
.cross-link__card-title {
  font-family: var(--font-serif);
  font-size: 19px;
  font-weight: 500;
  color: var(--ink);
  line-height: 1.2;
}
.cross-link__card-arrow {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
  margin-top: auto;
  padding-top: 4px;
  display: inline-flex; align-items: center; gap: 6px;
}