/* ============================================================
   GuardianWealthTrust — Master Stylesheet
   Fonts: Cormorant Garamond (headings) + DM Sans (body)
   Palette: Midnight Green, Champagne Gold, Ivory, Charcoal
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,500;0,600;0,700;1,400;1,600&family=DM+Sans:wght@300;400;500;600&display=swap');

* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'DM Sans', sans-serif;
  background: #F8F5EF;
  color: #1C1C1E;
  font-size: 16px;
  line-height: 1.7;
  overflow-x: hidden;
}

/* ── BODY SCROLL LOCK (when mobile nav is open) ── */
body.nav-open {
  overflow: hidden;
  position: fixed;
  width: 100%;
  /* Prevents iOS Safari bounce-scroll behind the menu */
}

/* ── TYPOGRAPHY ─────────────────────────────────────────── */
h1, h2, h3, h4 {
  font-family: 'Cormorant Garamond', serif;
  line-height: 1.2;
  color: #0A2E2A;
}

h1 { font-size: clamp(2.8rem, 6vw, 5rem); font-weight: 600; }
h2 { font-size: clamp(2rem, 4vw, 3rem); font-weight: 600; }
h3 { font-size: clamp(1.4rem, 2.5vw, 1.9rem); font-weight: 500; }
h4 { font-size: 1.2rem; font-weight: 600; }

p { color: #3D4A48; line-height: 1.8; }

a { text-decoration: none; color: inherit; }

img { max-width: 100%; display: block; }


/* ── HERO ── */
    .hero {
      margin-top: 75px;
      min-height: 92vh;
      background: linear-gradient(135deg, #0A2E2A 0%, #0d3d36 55%, #1A4A44 100%);
      display: flex;
      align-items: center;
      position: relative;
      overflow: hidden;
      padding: 60px 5%;
    }
    .hero::before {
      content: '';
      position: absolute;
      top: -20%;
      right: -5%;
      width: 700px;
      height: 700px;
      background: radial-gradient(circle, rgba(201,168,76,0.1) 0%, transparent 65%);
      pointer-events: none;
    }
    .hero::after {
      content: '';
      position: absolute;
      bottom: -10%;
      left: 20%;
      width: 500px;
      height: 500px;
      background: radial-gradient(circle, rgba(201,168,76,0.05) 0%, transparent 65%);
      pointer-events: none;
    }
    .hero-grid {
      max-width: 1200px;
      margin: 0 auto;
      width: 100%;
      display: grid;
      grid-template-columns: 1.1fr 0.9fr;
      gap: 60px;
      align-items: center;
    }
    .hero-badge {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      background: rgba(201,168,76,0.1);
      border: 1px solid rgba(201,168,76,0.3);
      padding: 7px 16px;
      border-radius: 30px;
      margin-bottom: 28px;
      flex-wrap: wrap;
    }
    .hero-badge span {
      font-size: 0.78rem;
      font-weight: 600;
      color: #C9A84C;
      letter-spacing: 0.08em;
      text-transform: uppercase;
    }
    .hero-badge-dot {
      width: 6px;
      height: 6px;
      border-radius: 50%;
      background: #C9A84C;
      animation: pulse 2s infinite;
      flex-shrink: 0;
    }
    @keyframes pulse {
      0%,100% { opacity: 1; transform: scale(1); }
      50% { opacity: 0.5; transform: scale(1.4); }
    }
    .hero h1 {
      color: #F8F5EF;
      font-size: clamp(2rem, 5.5vw, 4.4rem);
      line-height: 1.12;
      margin-bottom: 24px;
    }
    .hero h1 em {
      font-style: normal;
      color: #C9A84C;
    }
    .hero-sub {
      color: rgba(248,245,239,0.72);
      font-size: 1.1rem;
      line-height: 1.8;
      margin-bottom: 40px;
      max-width: 480px;
    }
    .hero-actions {
      display: flex;
      gap: 16px;
      flex-wrap: wrap;
    }
    .hero-visual {
      position: relative;
    }
    .hero-card-main {
      background: rgba(255,255,255,0.05);
      backdrop-filter: blur(10px);
      border: 1px solid rgba(201,168,76,0.2);
      border-radius: 20px;
      padding: 36px;
    }
    .hero-card-label {
      font-size: 0.78rem;
      color: rgba(201,168,76,0.8);
      font-weight: 600;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      margin-bottom: 12px;
    }
    .hero-card-amount {
      font-family: 'Cormorant Garamond', serif;
      font-size: 3.2rem;
      font-weight: 700;
      color: #F8F5EF;
      line-height: 1;
      margin-bottom: 6px;
    }
    .hero-card-sub {
      font-size: 0.85rem;
      color: rgba(248,245,239,0.5);
      margin-bottom: 28px;
    }
    .hero-mini-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 12px;
    }
    .hero-mini-card {
      background: rgba(255,255,255,0.05);
      border: 1px solid rgba(201,168,76,0.12);
      border-radius: 12px;
      padding: 16px;
    }
    .hero-mini-card .num {
      font-family: 'Cormorant Garamond', serif;
      font-size: 1.6rem;
      font-weight: 700;
      color: #C9A84C;
      line-height: 1;
    }
    .hero-mini-card .lbl {
      font-size: 0.75rem;
      color: rgba(248,245,239,0.5);
      margin-top: 4px;
    }
    .hero-float-badge {
      position: absolute;
      top: -16px;
      right: -16px;
      background: linear-gradient(135deg, #C9A84C, #E8C97A);
      border-radius: 14px;
      padding: 14px 18px;
      text-align: center;
      box-shadow: 0 10px 30px rgba(201,168,76,0.35);
      animation: float 4s ease-in-out infinite;
    }
    .hero-float-badge .num {
      font-family: 'Cormorant Garamond', serif;
      font-size: 1.8rem;
      font-weight: 700;
      color: #0A2E2A;
      line-height: 1;
    }
    .hero-float-badge .lbl {
      font-size: 0.7rem;
      color: rgba(10,46,42,0.7);
      font-weight: 600;
    }

    /* ── JOURNEY ── */
    .journey-section { padding: 90px 5%; background: #F8F5EF; }

    /* ── METHOD ── */
    .method-section { padding: 90px 5%; background: #E8F0ED; }

    @media (max-width: 900px) {
      .hero-grid { grid-template-columns: 1fr; }
      .hero-visual { display: none; }
      .hero { min-height: auto; padding: 80px 5% 60px; }
    }


    .story-card {
      background:#fff;
      border-radius:16px;
      padding:40px;
      border:1px solid rgba(10,46,42,0.08);
      margin-bottom:24px;
      display:grid;
      grid-template-columns:1fr auto;
      gap:30px;
      align-items:start;
      transition:all 0.3s ease;
      position:relative;
      overflow:hidden;
    }
    .story-card::before {
      content:'';
      position:absolute;
      left:0;top:0;bottom:0;
      width:4px;
      background:linear-gradient(180deg,#C9A84C,#E8C97A);
    }
    .story-card:hover {
      transform:translateY(-4px);
      box-shadow:0 20px 50px rgba(10,46,42,0.1);
      border-color:rgba(201,168,76,0.25);
    }
    .story-quote {
      font-family:'Cormorant Garamond',serif;
      font-size:1.05rem;
      font-style:italic;
      color:#3D4A48;
      line-height:1.8;
      margin:16px 0 20px;
    }
    .story-result {
      display:inline-flex;
      align-items:center;
      gap:8px;
      background:rgba(201,168,76,0.1);
      border:1px solid rgba(201,168,76,0.3);
      border-radius:8px;
      padding:8px 16px;
      font-size:0.88rem;
      font-weight:600;
      color:#0A2E2A;
    }
    .story-result::before {
      content:'✓';
      color:#C9A84C;
      font-weight:700;
    }
    @media(max-width:600px){
      .story-card{grid-template-columns:1fr;}
    }


/* ── NAVBAR ─────────────────────────────────────────────── */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 0 5%;
  height: 75px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: rgba(10, 46, 42, 0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(201, 168, 76, 0.2);
  transition: all 0.3s ease;
}

.navbar.scrolled {
  height: 65px;
  background: rgba(10, 46, 42, 0.99);
  box-shadow: 0 4px 30px rgba(0,0,0,0.3);
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}

.logo-monogram {
  width: 42px;
  height: 42px;
  background: linear-gradient(135deg, #C9A84C, #E8C97A);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.5rem;
  font-weight: 700;
  color: #0A2E2A;
  flex-shrink: 0;
}

.logo-text {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.25rem;
  font-weight: 700;
  color: #F8F5EF;
  letter-spacing: 0.02em;
}

.logo-text span {
  color: #C9A84C;
  font-weight: 400;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 8px;
  list-style: none;
}

.nav-links a {
  color: rgba(248, 245, 239, 0.85);
  font-size: 0.88rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: 6px;
  transition: all 0.25s ease;
  letter-spacing: 0.02em;
  white-space: nowrap;
}

.nav-links a:hover,
.nav-links a.active {
  color: #C9A84C;
  background: rgba(201, 168, 76, 0.1);
}

/* Dropdown */
.nav-dropdown {
  position: relative;
}

.nav-dropdown > a {
  display: flex;
  align-items: center;
  gap: 5px;
}

.nav-dropdown > a::after {
  content: '▾';
  font-size: 0.7rem;
  transition: transform 0.25s;
}

.nav-dropdown:hover > a::after {
  transform: rotate(180deg);
}

.dropdown-menu {
  position: absolute;
  top: calc(100% + 10px);
  left: 50%;
  transform: translateX(-50%);
  background: #0A2E2A;
  border: 1px solid rgba(201, 168, 76, 0.25);
  border-radius: 12px;
  padding: 8px;
  min-width: 230px;
  opacity: 0;
  visibility: hidden;
  transform: translateX(-50%) translateY(-8px);
  transition: all 0.25s ease;
  box-shadow: 0 20px 50px rgba(0,0,0,0.4);
}

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

.dropdown-menu a {
  display: block;
  padding: 10px 16px;
  color: rgba(248, 245, 239, 0.8);
  font-size: 0.85rem;
  border-radius: 8px;
  transition: all 0.2s;
}

.dropdown-menu a:hover {
  background: rgba(201, 168, 76, 0.12);
  color: #C9A84C;
  padding-left: 22px;
}

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

.btn-login {
  color: rgba(248, 245, 239, 0.8) !important;
  font-size: 0.88rem !important;
  padding: 8px 14px !important;
  border-radius: 6px !important;
  transition: all 0.25s !important;
}

.btn-login:hover {
  color: #C9A84C !important;
}

.btn-primary {
  background: linear-gradient(135deg, #C9A84C, #E8C97A);
  color: #0A2E2A !important;
  font-weight: 600;
  padding: 10px 22px;
  border-radius: 8px;
  font-size: 0.88rem;
  transition: all 0.3s ease;
  letter-spacing: 0.02em;
  border: none;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(201, 168, 76, 0.4);
}

.btn-secondary {
  background: transparent;
  color: #C9A84C;
  border: 1.5px solid #C9A84C;
  font-weight: 500;
  padding: 12px 28px;
  border-radius: 8px;
  font-size: 0.95rem;
  transition: all 0.3s ease;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  cursor: pointer;
}

.btn-secondary:hover {
  background: #C9A84C;
  color: #0A2E2A;
  transform: translateY(-2px);
}

.btn-dark {
  background: #0A2E2A;
  color: #F8F5EF;
  font-weight: 500;
  padding: 14px 32px;
  border-radius: 8px;
  font-size: 0.95rem;
  transition: all 0.3s ease;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  cursor: pointer;
  border: 1.5px solid rgba(201,168,76,0.3);
}

.btn-dark:hover {
  background: #0d3d37;
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(10,46,42,0.3);
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 5px;
}

.hamburger span {
  width: 24px;
  height: 2px;
  background: #F8F5EF;
  border-radius: 2px;
  transition: all 0.3s;
}

/* Hamburger active state (X icon) */
.hamburger.active span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}
.hamburger.active span:nth-child(2) {
  opacity: 0;
  transform: scaleX(0);
}
.hamburger.active span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* ── PAGE HERO ───────────────────────────────────────────── */
.page-hero {
  margin-top: 75px;
  padding: 90px 5% 80px;
  background: linear-gradient(135deg, #0A2E2A 0%, #1A4A44 50%, #2D6B5E 100%);
  position: relative;
  overflow: hidden;
  text-align: center;
}

.page-hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(201,168,76,0.12) 0%, transparent 70%);
  pointer-events: none;
}

.page-hero::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, transparent, #C9A84C, transparent);
}

.page-hero h1 {
  color: #F8F5EF;
  font-size: clamp(2.2rem, 5vw, 3.5rem);
  margin-bottom: 16px;
  position: relative;
}

.page-hero p {
  color: rgba(248, 245, 239, 0.75);
  font-size: 1.1rem;
  max-width: 560px;
  margin: 0 auto;
  position: relative;
}

/* ── SECTIONS ────────────────────────────────────────────── */
.section {
  padding: 90px 5%;
}

.section-ivory {
  background: #F8F5EF;
}

.section-sage {
  background: #E8F0ED;
}

.section-dark {
  background: #0A2E2A;
}

.section-charcoal {
  background: #111A19;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
}

.section-tag {
  display: inline-block;
  background: rgba(201, 168, 76, 0.12);
  color: #C9A84C;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 20px;
  border: 1px solid rgba(201, 168, 76, 0.3);
  margin-bottom: 16px;
}

.section-title {
  margin-bottom: 16px;
}

.section-subtitle {
  font-size: 1.05rem;
  color: #5A6B69;
  max-width: 580px;
  margin-bottom: 50px;
}

.text-center { text-align: center; }
.text-center .section-subtitle { margin-left: auto; margin-right: auto; }

.gold { color: #C9A84C; }
.green { color: #0A2E2A; }

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

.card-grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}

.card {
  background: #fff;
  border-radius: 16px;
  padding: 36px 30px;
  border: 1px solid rgba(10, 46, 42, 0.08);
  transition: all 0.35s ease;
  position: relative;
  overflow: hidden;
}

.card::before {
  content: '';
  position: absolute;
  bottom: 0; left: 0;
  width: 100%; height: 3px;
  background: linear-gradient(90deg, #C9A84C, #E8C97A);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.35s ease;
}

.card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 50px rgba(10, 46, 42, 0.12);
  border-color: rgba(201, 168, 76, 0.25);
}

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

.card-icon {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, #E8F0ED, #D4E8E0);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

.card-icon svg {
  width: 26px;
  height: 26px;
  stroke: #0A2E2A;
  fill: none;
  stroke-width: 1.8;
}

.card h3 {
  margin-bottom: 12px;
  font-size: 1.35rem;
}

.card p {
  font-size: 0.95rem;
  color: #5A6B69;
}

.card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: #C9A84C;
  font-size: 0.88rem;
  font-weight: 600;
  margin-top: 20px;
  transition: gap 0.2s;
}

.card-link:hover { gap: 10px; }

/* ── STATS BAR ───────────────────────────────────────────── */
.stats-bar {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  background: #0A2E2A;
  border-top: 1px solid rgba(201,168,76,0.2);
  border-bottom: 1px solid rgba(201,168,76,0.2);
}

.stat-item {
  padding: 40px 20px;
  text-align: center;
  border-right: 1px solid rgba(201,168,76,0.15);
}

.stat-item:last-child { border-right: none; }

.stat-number {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2.8rem;
  font-weight: 700;
  color: #C9A84C;
  line-height: 1;
  margin-bottom: 8px;
}

.stat-label {
  font-size: 0.85rem;
  color: rgba(248,245,239,0.65);
  font-weight: 400;
  letter-spacing: 0.04em;
}

/* ── PROCESS STEPS ───────────────────────────────────────── */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  position: relative;
}

.steps-grid::before {
  content: '';
  position: absolute;
  top: 36px;
  left: 12%;
  right: 12%;
  height: 1px;
  background: linear-gradient(90deg, transparent, #C9A84C, transparent);
}

.step-item {
  text-align: center;
  padding: 0 20px;
}

.step-number {
  width: 72px;
  height: 72px;
  background: linear-gradient(135deg, #C9A84C, #E8C97A);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.8rem;
  font-weight: 700;
  color: #0A2E2A;
  position: relative;
  z-index: 1;
}

.step-item h4 {
  margin-bottom: 10px;
  color: #0A2E2A;
}

.step-item p {
  font-size: 0.9rem;
  color: #5A6B69;
}

/* ── TESTIMONIAL CARDS ───────────────────────────────────── */
.testimonial-card {
  background: #fff;
  border-radius: 16px;
  padding: 36px;
  border: 1px solid rgba(10,46,42,0.08);
  position: relative;
  transition: all 0.3s ease;
}

.testimonial-card:hover {
  box-shadow: 0 16px 40px rgba(10,46,42,0.1);
  transform: translateY(-4px);
}

.testimonial-card::before {
  content: '"';
  font-family: 'Cormorant Garamond', serif;
  font-size: 6rem;
  color: rgba(201,168,76,0.15);
  position: absolute;
  top: 10px;
  left: 24px;
  line-height: 1;
}

.testimonial-badge {
  display: inline-block;
  background: linear-gradient(135deg, #C9A84C, #E8C97A);
  color: #0A2E2A;
  font-size: 0.75rem;
  font-weight: 600;
  padding: 4px 12px;
  border-radius: 20px;
  margin-bottom: 16px;
}

.testimonial-card blockquote {
  font-style: italic;
  color: #3D4A48;
  font-size: 0.97rem;
  line-height: 1.8;
  margin-bottom: 20px;
}

.testimonial-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.2rem;
  font-weight: 600;
  color: #0A2E2A;
}

.testimonial-result {
  font-size: 0.85rem;
  color: #C9A84C;
  font-weight: 500;
  margin-top: 6px;
}

/* ── CTA BANNER ──────────────────────────────────────────── */
.cta-banner {
  background: linear-gradient(135deg, #0A2E2A 0%, #1A4A44 100%);
  padding: 80px 5%;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-banner::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background: radial-gradient(ellipse at center, rgba(201,168,76,0.08) 0%, transparent 70%);
}

.cta-banner h2 {
  color: #F8F5EF;
  margin-bottom: 16px;
  position: relative;
}

.cta-banner p {
  color: rgba(248,245,239,0.7);
  font-size: 1.05rem;
  margin-bottom: 36px;
  max-width: 520px;
  margin-left: auto;
  margin-right: auto;
  position: relative;
}

.cta-banner .btn-primary {
  position: relative;
  padding: 14px 36px;
  font-size: 1rem;
}

/* ── FAQ ─────────────────────────────────────────────────── */
.faq-list {
  max-width: 760px;
  margin: 0 auto;
}

.faq-item {
  border-bottom: 1px solid rgba(10,46,42,0.1);
  overflow: hidden;
}

.faq-question {
  width: 100%;
  background: none;
  border: none;
  text-align: left;
  padding: 24px 0;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.15rem;
  font-weight: 600;
  color: #0A2E2A;
  transition: color 0.2s;
}

.faq-question:hover { color: #C9A84C; }

.faq-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: rgba(201,168,76,0.12);
  border: 1.5px solid rgba(201,168,76,0.4);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: #C9A84C;
  font-size: 1.1rem;
  transition: all 0.3s;
}

.faq-item.open .faq-icon {
  background: #C9A84C;
  color: #0A2E2A;
  transform: rotate(45deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding 0.3s ease;
}

.faq-item.open .faq-answer {
  max-height: 300px;
  padding-bottom: 20px;
}

.faq-answer p {
  color: #5A6B69;
  font-size: 0.97rem;
}

/* ── CONTACT ─────────────────────────────────────────────── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 60px;
  align-items: start;
}

.contact-info h2 { margin-bottom: 20px; }

.contact-detail {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  margin-bottom: 28px;
  padding: 20px;
  background: #fff;
  border-radius: 12px;
  border: 1px solid rgba(10,46,42,0.08);
  transition: all 0.3s;
}

.contact-detail:hover {
  border-color: rgba(201,168,76,0.3);
  box-shadow: 0 8px 20px rgba(10,46,42,0.08);
}

.contact-icon {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, #E8F0ED, #D4E8E0);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-icon svg {
  width: 20px;
  height: 20px;
  stroke: #0A2E2A;
  fill: none;
  stroke-width: 1.8;
}

.contact-detail h4 { margin-bottom: 4px; font-size: 1rem; }
.contact-detail p { font-size: 0.9rem; margin: 0; }

.contact-form {
  background: #fff;
  border-radius: 20px;
  padding: 44px;
  border: 1px solid rgba(10,46,42,0.08);
  box-shadow: 0 20px 60px rgba(10,46,42,0.08);
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: #0A2E2A;
  margin-bottom: 8px;
  letter-spacing: 0.02em;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid rgba(10,46,42,0.12);
  border-radius: 10px;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.95rem;
  color: #1C1C1E;
  background: #F8F5EF;
  transition: all 0.25s;
  outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: #C9A84C;
  background: #fff;
  box-shadow: 0 0 0 3px rgba(201,168,76,0.1);
}

.form-group textarea {
  height: 130px;
  resize: vertical;
}

.form-group select { cursor: pointer; }

.form-submit {
  width: 100%;
  padding: 15px;
  font-size: 1rem;
  font-weight: 600;
  background: linear-gradient(135deg, #C9A84C, #E8C97A);
  color: #0A2E2A;
  border: none;
  border-radius: 10px;
  cursor: pointer;
  transition: all 0.3s;
  font-family: 'DM Sans', sans-serif;
}

.form-submit:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 28px rgba(201,168,76,0.35);
}

/* ── SERVICE DETAIL PAGE ─────────────────────────────────── */
.service-content {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 60px;
  align-items: start;
}

.service-main h2 { margin-bottom: 20px; }
.service-main p { margin-bottom: 28px; }

.service-list-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.3rem;
  font-weight: 600;
  color: #0A2E2A;
  margin-bottom: 16px;
}

.service-list {
  list-style: none;
  margin-bottom: 32px;
}

.service-list li {
  padding: 10px 0;
  border-bottom: 1px solid rgba(10,46,42,0.07);
  color: #3D4A48;
  font-size: 0.95rem;
  display: flex;
  align-items: center;
  gap: 12px;
}

.service-list li::before {
  content: '';
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: #C9A84C;
  flex-shrink: 0;
}

.benefits-box {
  background: #0A2E2A;
  border-radius: 16px;
  padding: 32px;
  margin-bottom: 28px;
}

.benefits-box h4 {
  color: #C9A84C;
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.2rem;
  margin-bottom: 20px;
}

.benefit-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 14px;
  color: rgba(248,245,239,0.8);
  font-size: 0.92rem;
}

.benefit-check {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: rgba(201,168,76,0.2);
  border: 1.5px solid #C9A84C;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: #C9A84C;
  font-size: 0.65rem;
  margin-top: 2px;
}

.service-sidebar {
  position: sticky;
  top: 100px;
}

.sidebar-cta {
  background: linear-gradient(135deg, #0A2E2A, #1A4A44);
  border-radius: 16px;
  padding: 36px 28px;
  text-align: center;
  margin-bottom: 24px;
}

.sidebar-cta h3 {
  color: #F8F5EF;
  font-size: 1.4rem;
  margin-bottom: 12px;
}

.sidebar-cta p {
  color: rgba(248,245,239,0.7);
  font-size: 0.9rem;
  margin-bottom: 24px;
}

.sidebar-cta .btn-primary {
  width: 100%;
  justify-content: center;
}

.sidebar-services {
  background: #fff;
  border-radius: 16px;
  padding: 28px;
  border: 1px solid rgba(10,46,42,0.08);
}

.sidebar-services h4 {
  color: #0A2E2A;
  margin-bottom: 16px;
  font-size: 1rem;
}

.sidebar-services a {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 10px 0;
  border-bottom: 1px solid rgba(10,46,42,0.06);
  color: #3D4A48;
  font-size: 0.9rem;
  transition: all 0.2s;
}

.sidebar-services a:last-child { border-bottom: none; }

.sidebar-services a:hover {
  color: #C9A84C;
  padding-left: 6px;
}

.sidebar-services a::before {
  content: '→';
  color: #C9A84C;
  font-size: 0.8rem;
}

/* ── WHO IT'S FOR ────────────────────────────────────────── */
.audience-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.audience-card {
  background: #fff;
  border-radius: 16px;
  padding: 36px 28px;
  border: 1px solid rgba(10,46,42,0.08);
  text-align: center;
  transition: all 0.35s ease;
}

.audience-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 50px rgba(10,46,42,0.12);
  border-color: rgba(201,168,76,0.3);
}

.audience-icon {
  width: 68px;
  height: 68px;
  background: linear-gradient(135deg, #E8F0ED, #D4E8E0);
  border-radius: 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}

.audience-icon svg {
  width: 30px;
  height: 30px;
  stroke: #0A2E2A;
  fill: none;
  stroke-width: 1.6;
}

.audience-card h3 { margin-bottom: 12px; font-size: 1.3rem; }
.audience-card p { font-size: 0.92rem; color: #5A6B69; }

/* ── ABOUT TWO-COL ───────────────────────────────────────── */
.about-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 70px;
  align-items: center;
}

.about-visual {
  position: relative;
}

.about-visual-box {
  background: linear-gradient(135deg, #0A2E2A, #1A4A44);
  border-radius: 20px;
  aspect-ratio: 4/3;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}

.about-visual-box::before {
  content: '';
  position: absolute;
  top: -30%;
  right: -20%;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(201,168,76,0.2), transparent 60%);
}

.about-monogram {
  font-family: 'Cormorant Garamond', serif;
  font-size: 9rem;
  font-weight: 700;
  color: rgba(201,168,76,0.15);
  position: absolute;
}

.about-badge {
  position: absolute;
  bottom: -20px;
  right: -20px;
  background: linear-gradient(135deg, #C9A84C, #E8C97A);
  border-radius: 14px;
  padding: 20px 24px;
  text-align: center;
  box-shadow: 0 10px 30px rgba(201,168,76,0.3);
}

.about-badge .number {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2.2rem;
  font-weight: 700;
  color: #0A2E2A;
  line-height: 1;
}

.about-badge .label {
  font-size: 0.75rem;
  color: #0A2E2A;
  font-weight: 600;
  opacity: 0.8;
}

.values-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-top: 32px;
}

.value-item {
  background: #fff;
  border-radius: 12px;
  padding: 20px;
  border: 1px solid rgba(10,46,42,0.08);
  transition: all 0.3s;
}

.value-item:hover {
  border-color: rgba(201,168,76,0.3);
  box-shadow: 0 8px 20px rgba(10,46,42,0.08);
}

.value-icon {
  font-size: 1.4rem;
  margin-bottom: 8px;
}

.value-item h4 { font-size: 1rem; margin-bottom: 6px; }
.value-item p { font-size: 0.85rem; color: #5A6B69; }

/* ── WEALTH JOURNEY ──────────────────────────────────────── */
.journey-tabs {
  display: flex;
  gap: 0;
  background: #E8F0ED;
  border-radius: 12px;
  padding: 4px;
  margin-bottom: 32px;
  flex-wrap: wrap;
}

.journey-tab {
  flex: 1;
  text-align: center;
  padding: 12px 16px;
  border-radius: 10px;
  cursor: pointer;
  font-size: 0.85rem;
  font-weight: 500;
  color: #5A6B69;
  transition: all 0.25s;
  min-width: 120px;
}

.journey-tab.active {
  background: #0A2E2A;
  color: #F8F5EF;
}

.journey-panel {
  display: none;
  background: #fff;
  border-radius: 16px;
  padding: 36px;
  border: 1px solid rgba(10,46,42,0.08);
}

.journey-panel.active { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: center; }

.journey-amount {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2.4rem;
  font-weight: 700;
  color: #C9A84C;
  margin-bottom: 6px;
}

.journey-label {
  font-size: 0.85rem;
  color: #5A6B69;
  margin-bottom: 20px;
}

/* ── FOOTER ──────────────────────────────────────────────── */
.footer {
  background: #0A1F1D;
  padding: 80px 5% 0;
}

.footer-top {
  display: grid;
  grid-template-columns: 1.8fr 1fr 1fr 1fr;
  gap: 50px;
  padding-bottom: 60px;
  border-bottom: 1px solid rgba(201,168,76,0.15);
}

.footer-brand p {
  color: rgba(248,245,239,0.55);
  font-size: 0.9rem;
  margin-top: 16px;
  max-width: 280px;
  line-height: 1.7;
}

.footer-col h5 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1rem;
  font-weight: 600;
  color: #C9A84C;
  margin-bottom: 20px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.footer-col a {
  display: block;
  color: rgba(248,245,239,0.6);
  font-size: 0.88rem;
  margin-bottom: 10px;
  transition: all 0.2s;
}

.footer-col a:hover {
  color: #C9A84C;
  padding-left: 6px;
}

.footer-bottom {
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.footer-bottom p {
  color: rgba(248,245,239,0.4);
  font-size: 0.82rem;
}

.footer-bottom-links {
  display: flex;
  gap: 24px;
}

.footer-bottom-links a {
  color: rgba(248,245,239,0.4);
  font-size: 0.82rem;
  transition: color 0.2s;
}

.footer-bottom-links a:hover { color: #C9A84C; }

/* ── LOGIN PAGE ──────────────────────────────────────────── */
.login-page {
  min-height: 100vh;
  background: linear-gradient(135deg, #0A2E2A 0%, #1A4A44 60%, #0A2E2A 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  position: relative;
}

.login-page::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background: radial-gradient(ellipse at 30% 50%, rgba(201,168,76,0.08), transparent 60%);
}

.login-card {
  background: #F8F5EF;
  border-radius: 24px;
  padding: 56px 48px;
  width: 100%;
  max-width: 460px;
  position: relative;
  box-shadow: 0 40px 100px rgba(0,0,0,0.4);
}

.login-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  justify-content: center;
  margin-bottom: 36px;
}

.login-card h2 {
  text-align: center;
  margin-bottom: 8px;
}

.login-card .sub {
  text-align: center;
  color: #5A6B69;
  font-size: 0.9rem;
  margin-bottom: 36px;
}

.login-back {
  position: absolute;
  top: 24px;
  right: 24px;
  color: #5A6B69;
  font-size: 0.85rem;
  display: flex;
  align-items: center;
  gap: 6px;
  transition: color 0.2s;
}

.login-back:hover { color: #0A2E2A; }

.login-footer {
  text-align: center;
  margin-top: 20px;
  font-size: 0.87rem;
  color: #5A6B69;
}

.login-footer a {
  color: #C9A84C;
  font-weight: 600;
}

.security-note {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  margin-top: 20px;
  font-size: 0.8rem;
  color: #5A6B69;
}

/* ── ANIMATIONS ──────────────────────────────────────────── */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(30px); }
  to   { opacity: 1; transform: translateY(0); }
}

@keyframes fadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-8px); }
}

.animate-fade-up {
  opacity: 0;
  animation: fadeInUp 0.7s ease forwards;
}

.animate-delay-1 { animation-delay: 0.1s; }
.animate-delay-2 { animation-delay: 0.2s; }
.animate-delay-3 { animation-delay: 0.3s; }
.animate-delay-4 { animation-delay: 0.4s; }

/* Scroll reveal */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ── MOBILE NAV ──────────────────────────────────────────── */
.mobile-nav {
  display: none;
  position: fixed;
  top: 75px; left: 0; right: 0;
  background: #0A2E2A;
  padding: 20px 5%;
  border-top: 1px solid rgba(201,168,76,0.2);
  z-index: 999;
  flex-direction: column;
  gap: 4px;
  max-height: calc(100vh - 75px);
  overflow-y: auto;
  /* Allows the nav menu itself to scroll independently */
  -webkit-overflow-scrolling: touch;
}

.mobile-nav.open { display: flex; }

.mobile-nav a {
  color: rgba(248,245,239,0.8);
  padding: 12px 16px;
  border-radius: 8px;
  font-size: 0.95rem;
  transition: all 0.2s;
}

.mobile-nav a:hover {
  background: rgba(201,168,76,0.1);
  color: #C9A84C;
}

.mobile-nav-section {
  padding: 10px 16px 4px;
  font-size: 0.75rem;
  font-weight: 600;
  color: #C9A84C;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

/* ── RESPONSIVE ──────────────────────────────────────────── */
@media (max-width: 1024px) {
  .card-grid-3 { grid-template-columns: repeat(2, 1fr); }
  .steps-grid { grid-template-columns: repeat(2, 1fr); gap: 40px; }
  .steps-grid::before { display: none; }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .service-content { grid-template-columns: 1fr; }
  .service-sidebar { position: static; }
}

@media (max-width: 768px) {
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; }
  .card-grid-3, .card-grid-2, .about-split,
  .contact-grid, .audience-grid, .values-grid { grid-template-columns: 1fr; }
  .stats-bar { grid-template-columns: repeat(2, 1fr); }
  .stat-item { border-right: none; border-bottom: 1px solid rgba(201,168,76,0.15); }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 30px; }
  .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }
  .journey-panel.active { grid-template-columns: 1fr; }
  .login-card { padding: 40px 28px; }
  h1 { font-size: 2.4rem; }
  h2 { font-size: 1.9rem; }
}

@media (max-width: 480px) {
  /* ── Layout resets ── */
  .card-grid-3, .audience-grid { grid-template-columns: 1fr; }
  .stats-bar { grid-template-columns: 1fr 1fr; }
  .footer-top { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }

  /* ── Hero fixes ── */
  .hero {
    padding: 70px 4% 50px;
  }
  .hero h1 {
    font-size: 2rem;
    line-height: 1.18;
  }
  .hero-sub {
    font-size: 0.95rem;
    margin-bottom: 28px;
  }
  .hero-actions {
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
  }
  .hero-actions .btn-primary,
  .hero-actions .btn-secondary {
    width: 100%;
    justify-content: center;
  }

  /* ── Stats bar: tighten numbers ── */
  .stat-number {
    font-size: 2rem;
  }
  .stat-item {
    padding: 28px 12px;
  }

  /* ── Journey tabs: stack vertically so 4 tabs don't overflow ── */
  .journey-tabs {
    flex-direction: column;
    gap: 4px;
  }
  .journey-tab {
    min-width: unset;
    width: 100%;
    text-align: left;
    padding: 10px 14px;
    border-radius: 8px;
  }
  .journey-panel {
    padding: 24px 16px;
  }
  .journey-panel.active {
    padding: 24px 16px;
  }
  .journey-amount {
    font-size: 1.8rem;
  }

  /* ── Cards ── */
  .card {
    padding: 28px 20px;
  }

  /* ── Buttons ── */
  .btn-dark {
    padding: 12px 22px;
    font-size: 0.9rem;
  }
  .btn-secondary {
    padding: 12px 22px;
    font-size: 0.9rem;
  }

  /* ── CTA banner ── */
  .cta-banner {
    padding: 60px 5%;
  }
  .cta-banner h2 {
    font-size: 1.7rem;
  }
  .cta-banner p {
    font-size: 0.95rem;
  }

  /* ── Section spacing ── */
  .section {
    padding: 60px 4%;
  }
  .journey-section,
  .method-section {
    padding: 60px 4%;
  }

  /* ── Contact form ── */
  .contact-form {
    padding: 28px 20px;
  }

  /* ── Footer ── */
  .footer {
    padding: 60px 5% 0;
  }
  .footer-bottom-links {
    flex-wrap: wrap;
    justify-content: center;
    gap: 12px;
  }

  /* ── Login ── */
  .login-card {
    padding: 36px 20px;
  }

  /* ── General headings ── */
  h1 { font-size: 1.9rem; }
  h2 { font-size: 1.6rem; }
  h3 { font-size: 1.3rem; }
}