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

    html {
      scroll-behavior: smooth;
    }

    body {
      font-family: var(--font-body);
      color: var(--dark);
      background: var(--white);
      font-size: 16px;
      line-height: 1.65;
    }

    .visually-hidden {
      position: absolute;
      width: 1px;
      height: 1px;
      padding: 0;
      margin: -1px;
      overflow: hidden;
      clip: rect(0, 0, 0, 0);
      white-space: nowrap;
      border: 0;
    }

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

    /* NAV */
    nav {
      position: fixed;
      top: 0;
      width: 100%;
      background: var(--white);
      border-bottom: 1px solid var(--border);
      z-index: 999;
      padding: 0 5%;
    }

    .nav-inner {
      margin: 0 auto;
      display: flex;
      align-items: center;
      justify-content: space-between;
      height: 80px;
      padding: 0;
    }

    .brand {
      display: flex;
      align-items: center;
      height: 100%;
    }

    .brand-link {
      display: flex;
      align-items: center;
      height: 100%;
    }

    .brand span {
      color: var(--gold);
      font-size: 1rem;
      font-weight: 700;
      color: var(--navy);
    }

    .logo {
      height: 75px;
      width: auto;
      display: block;
      object-fit: contain;
      max-width: 180px;
    }

    /* Mobile-specific adjustments */
    @media (max-width: 767px) {
      .logo {
        height: 45px;
        max-width: 140px;
      }

      #hero {
        padding-top: 136px;
      }

      .hero-grid,
      .about-grid,
      .contact-grid {
        grid-template-columns: 1fr;
        gap: 24px;
      }

      section {
        padding: 80px 4%;
      }

      .container {
        max-width: 100%;
        padding: 0 8px;
      }

      .hero-card {
        padding: 24px;
        margin-top: 32px;
      }

      .hc-stats {
        grid-template-columns: 1fr;
        gap: 16px;
      }

      .stat {
        text-align: left;
        padding: 16px;
      }

      .badges {
        justify-content: center;
      }

      .badge {
        font-size: .75rem;
        padding: 6px 10px;
      }

      .section-tag {
        font-size: .75rem;
      }

      .section-title {
        font-size: 1.6rem;
        line-height: 1.1;
      }

      .divider {
        margin: 12px 0 20px;
      }

      .section-sub {
        font-size: .9rem;
        margin-bottom: 20px;
      }

      .svc-title {
        font-size: .9rem;
      }

      .tool-title {
        font-size: .9rem;
      }

      .lead-form h3 {
        font-size: 1rem;
      }

      .toast {
        bottom: 16px;
        right: 16px;
        left: 16px;
        font-size: 0.8rem;
        padding: 10px 16px;
      }
    }

    .nav-links {
      display: flex;
      align-items: center;
      gap: 24px;
      font-size: .85rem;
      color: var(--text);
    }

    .nav-links a {
      cursor: pointer;
    }

    .nav-links a:hover {
      color: var(--navy);
    }

    .nav-cta {
      background: var(--navy);
      color: #fff !important;
      padding: 8px 18px;
      border-radius: var(--radius-sm);
      font-size: .85rem;
      font-weight: 600;
      cursor: pointer;
      transition: transform .2s ease, box-shadow .2s ease, background-color .2s ease;
    }

    .nav-cta:hover {
      transform: translateY(-1px);
      box-shadow: 0 8px 16px rgba(16, 49, 85,0.18);
    }

    /* SECTIONS */
    section {
      padding: clamp(72px, 9vw, 110px) 5%;
    }

    .container {
      max-width: 1100px;
      margin: 0 auto;
    }

    .section-tag {
      font-size: .75rem;
      font-weight: 700;
      letter-spacing: 2px;
      text-transform: uppercase;
      color: var(--gold-text);
      margin-bottom: 8px;
    }

    .section-title {
      font-family: var(--font-heading);
      font-size: clamp(1.45rem, 2.4vw, 2.2rem);
      font-weight: 800;
      color: var(--navy);
      margin-bottom: 10px;
      line-height: 1.2;
      letter-spacing: -0.015em;
    }

    .section-sub {
      font-size: clamp(.9rem, 1.2vw, 1rem);
      color: var(--text);
      line-height: 1.7;
      max-width: 560px;
    }

    /* HERO */
    #hero {
      padding-top: 166px;
      position: relative;
      overflow: hidden;
      background: linear-gradient(120deg, #f7f9ff 0%, #fff7ec 100%);
    }

    #hero::before {
      content: '';
      position: absolute;
      inset: 0;
      background-image: radial-gradient(circle at 1px 1px, rgba(16, 49, 85,0.055) 1px, transparent 0);
      background-size: 24px 24px;
      pointer-events: none;
      z-index: 0;
    }

    #hero::after {
      content: none;
    }

    #hero .container,
    #hero .hero-grid {
      position: relative;
      z-index: 1;
    }

    .hero-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 60px;
      align-items: center;
    }

    .hero-eyebrow {
      font-size: .75rem;
      font-weight: 700;
      letter-spacing: 2.5px;
      text-transform: uppercase;
      color: var(--gold-text);
      margin-bottom: 14px;
    }

    .hero-brand {
      font-size: .9rem;
      font-weight: 800;
      color: var(--navy);
      letter-spacing: .4px;
      margin-bottom: 6px;
    }

    .hero-title {
      font-family: var(--font-heading);
      font-size: clamp(1.9rem, 3.4vw, 3.1rem);
      font-weight: 900;
      color: var(--navy);
      line-height: 1.15;
      letter-spacing: -0.02em;
      margin-bottom: 18px;
    }

    .hero-title em {
      font-style: normal;
      color: var(--gold-text);
    }

    .hero-badge {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      background: rgba(222, 182, 55,0.12);
      color: var(--navy);
      border: 1px solid rgba(222, 182, 55,0.35);
      padding: 6px 12px;
      border-radius: 999px;
      font-size: .75rem;
      font-weight: 700;
      letter-spacing: .3px;
      margin-bottom: 12px;
    }

    .hero-desc {
      font-size: clamp(.9rem, 1.35vw, 1.02rem);
      color: var(--text);
      line-height: 1.8;
      margin-bottom: 28px;
    }

    .hero-btns {
      display: flex;
      gap: 12px;
      flex-wrap: wrap;
    }

    .btn-primary,
    .btn-outline {
      padding: 14px 28px;
      font-size: .9rem;
      min-height: 48px;
      /* Touch-friendly */
      display: inline-flex;
      align-items: center;
      justify-content: center;
      transition: transform .2s ease, box-shadow .2s ease, background-color .2s ease, color .2s ease,
        border-color .2s ease;
    }

    .btn-primary {
      background: var(--navy);
      color: #fff;
      border-radius: var(--radius-sm);
      font-weight: 700;
      cursor: pointer;
      border: none;
    }

    .btn-outline {
      border: 2px solid var(--navy);
      color: var(--navy);
      border-radius: var(--radius-sm);
      font-weight: 700;
      cursor: pointer;
      background: transparent;
    }

    .btn-primary:hover {
      transform: translateY(-2px);
      box-shadow: var(--shadow-md);
    }

    .btn-outline:hover {
      transform: translateY(-2px);
      box-shadow: 0 10px 22px rgba(16, 49, 85,0.12);
      background: var(--navy);
      color: #fff;
    }

    .hero-btns a {
      text-align: center;
    }

    .hero-card {
      background: rgba(248, 250, 252, 0.92);
      border: 1px solid var(--border);
      border-radius: 16px;
      padding: 32px;
      position: relative;
      overflow: hidden;
      transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
    }

    .hero-card::before {
      content: '';
      position: absolute;
      top: 0;
      left: 0;
      right: 0;
      height: 4px;
      background: linear-gradient(90deg, var(--navy), var(--gold));
    }

    .hero-card:hover {
      transform: translateY(-4px) scale(1.01);
      box-shadow: var(--shadow-hover);
      border-color: rgba(16, 49, 85,0.25);
    }

    .hc-name {
      font-family: var(--font-heading);
      font-size: clamp(1.05rem, 1.8vw, 1.4rem);
      font-weight: 800;
      color: var(--navy);
      margin-bottom: 4px;
      letter-spacing: -0.01em;
    }

    .hc-role {
      font-size: .82rem;
      color: var(--gold-text);
      font-weight: 600;
      margin-bottom: 16px;
    }

    .badges {
      display: flex;
      flex-wrap: wrap;
      gap: 7px;
    }

    .badge {
      background: var(--white);
      border: 1px solid var(--border);
      border-radius: 20px;
      padding: 4px 12px;
      font-size: .75rem;
      color: var(--text);
    }

    .hc-stats {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 12px;
      margin-top: 18px;
    }

    .stat {
      background: var(--white);
      border: 1px solid var(--border);
      border-radius: var(--radius-md);
      padding: 14px;
      text-align: center;
      transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
    }

    .stat-val {
      font-size: clamp(1.25rem, 2.2vw, 1.7rem);
      font-weight: 900;
      color: var(--navy);
      font-variant-numeric: tabular-nums;
    }

    .stat-label {
      font-size: .75rem;
      color: var(--text);
      margin-top: 2px;
    }

    .stat:hover {
      transform: translateY(-2px);
      box-shadow: 0 8px 20px rgba(16, 49, 85,0.12);
      border-color: rgba(16, 49, 85,0.2);
    }

    /* ── Hero animations ── */
    @keyframes hero-fade-up {
      from {
        opacity: 0;
        transform: translateY(32px);
      }

      to {
        opacity: 1;
        transform: translateY(0);
      }
    }

    @keyframes hero-fade-right {
      from {
        opacity: 0;
        transform: translateX(40px);
      }

      to {
        opacity: 1;
        transform: translateX(0);
      }
    }

    @keyframes hero-bg-shift {
      0% {
        background-position: 0% 50%;
      }

      50% {
        background-position: 100% 50%;
      }

      100% {
        background-position: 0% 50%;
      }
    }

    @keyframes badge-glow {

      0%,
      100% {
        box-shadow: 0 0 0 0 rgba(222, 182, 55,0);
      }

      50% {
        box-shadow: 0 0 14px 4px rgba(222, 182, 55,0.22);
      }
    }

    /* Animated background */
    #hero {
      background: linear-gradient(120deg, #f0f5ff 0%, #f7f9ff 40%, #fff7ec 100%);
      background-size: 200% 200%;
      animation: hero-bg-shift 10s ease infinite;
    }

    /* Staggered entrance — text column */
    .hero-brand {
      animation: hero-fade-up .6s ease both 0ms;
    }

    .hero-eyebrow {
      animation: hero-fade-up .6s ease both 100ms;
    }

    .hero-title {
      animation: hero-fade-up .65s ease both 220ms;
    }

    .hero-desc {
      animation: hero-fade-up .6s ease both 470ms;
    }

    .hero-btns {
      animation: hero-fade-up .6s ease both 570ms;
    }

    /* Badge: entrance + glow pulse */
    .hero-badge {
      animation: hero-fade-up .6s ease both 360ms,
        badge-glow 3s ease-in-out 1.5s infinite;
    }

    /* Card: slides in from right */
    .hero-card {
      animation: hero-fade-right .7s ease both 200ms;
    }

    /* Rolling title word animation */
    .hero-word-clip {
      display: block;
      overflow: hidden;
      height: 1.2em;
    }

    .hero-word-inner {
      display: flex;
      flex-direction: column;
      animation: word-roll 9s cubic-bezier(0.77, 0, 0.175, 1) infinite;
    }

    .hero-word-inner>span {
      display: block;
      line-height: 1.15;
      flex-shrink: 0;
    }

    @keyframes word-roll {

      0%,
      22% {
        transform: translateY(0);
      }

      33% {
        transform: translateY(-1.15em);
      }

      33%,
      55% {
        transform: translateY(-1.15em);
      }

      66% {
        transform: translateY(-2.3em);
      }

      66%,
      88% {
        transform: translateY(-2.3em);
      }

      100% {
        transform: translateY(-3.45em);
      }
    }

    /* Respect reduced-motion preference */
    @media (prefers-reduced-motion: reduce) {

      .hero-brand,
      .hero-eyebrow,
      .hero-title,
      .hero-badge,
      .hero-desc,
      .hero-btns,
      .hero-card {
        animation: none !important;
      }

      #hero {
        animation: none !important;
        background-size: 100%;
      }

      .hero-word-inner {
        animation: none !important;
        transform: translateY(-2.3em) !important;
        /* show "Grow." statically */
      }
    }

    /* ABOUT */
    #about {
      background: var(--slate);
    }

    .about-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 56px;
      align-items: start;
    }

    .about-text p {
      color: var(--text);
      line-height: 1.8;
      margin-bottom: 13px;
      font-size: clamp(.9rem, 1.2vw, .98rem);
    }

    .about-highlights {
      display: flex;
      flex-direction: column;
      gap: 14px;
    }

    .hi {
      background: var(--white);
      border: 1px solid var(--border);
      border-left: 4px solid var(--gold);
      border-radius: 8px;
      padding: 16px 18px;
      transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
    }

    .hi-title {
      display: flex;
      align-items: center;
      gap: 10px;
      font-size: .88rem;
      font-weight: 700;
      color: var(--navy);
      margin-bottom: 3px;
    }

    .hi-icon {
      width: 34px;
      height: 34px;
      border-radius: var(--radius-sm);
      background: rgba(16, 49, 85,0.08);
      color: var(--navy);
      display: inline-flex;
      align-items: center;
      justify-content: center;
      flex-shrink: 0;
    }

    .hi-icon svg,
    .c-icon svg {
      width: 18px;
      height: 18px;
    }

    .hi-desc {
      font-size: .8rem;
      color: var(--text);
      line-height: 1.6;
    }

    .hi:hover {
      transform: translateY(-2px);
      box-shadow: 0 10px 24px rgba(16, 49, 85,0.12);
      border-color: rgba(16, 49, 85,0.2);
    }

    /* SERVICES */
    #services {
      background: var(--white);
    }

    .services-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 20px;
    }

    .svc-card {
      background: var(--slate);
      border: 1px solid var(--border);
      border-radius: 12px;
      padding: 26px;
      transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease;
    }

    .svc-icon {
      width: 40px;
      height: 40px;
      border-radius: var(--radius-md);
      background: rgba(16, 49, 85,0.08);
      color: var(--navy);
      display: inline-flex;
      align-items: center;
      justify-content: center;
      margin-bottom: 12px;
    }

    .svc-icon svg {
      width: 20px;
      height: 20px;
    }

    .svc-title {
      font-size: clamp(.9rem, 1.2vw, 1rem);
      font-weight: 700;
      color: var(--navy);
      margin-bottom: 7px;
    }

    .svc-desc {
      font-size: .8rem;
      color: var(--text);
      line-height: 1.65;
    }

    .svc-card:hover {
      transform: translateY(-4px) scale(1.01);
      box-shadow: var(--shadow-lg);
      border-color: rgba(16, 49, 85,0.22);
      background: #f9fbff;
    }

    .mini-title {
      font-size: .92rem;
      font-weight: 800;
      color: var(--navy);
      margin: 18px 0 10px;
    }

    .who-grid,
    .process-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 16px;
      margin-top: 10px;
    }

    .who-item,
    .process-step {
      background: var(--slate);
      border: 1px solid var(--border);
      border-radius: 12px;
      padding: 16px;
      font-size: .82rem;
      color: var(--text);
      line-height: 1.6;
    }

    .process-step strong {
      display: block;
      color: var(--navy);
      font-size: .88rem;
      margin-bottom: 6px;
      font-weight: 800;
    }

    .promise-line {
      margin-top: 12px;
      font-size: .88rem;
      font-weight: 700;
      color: var(--navy);
      letter-spacing: .2px;
    }

    .insurance-disclaimer {
      display: flex;
      align-items: flex-start;
      gap: 10px;
      margin-top: 1.5rem;
      padding: 12px 16px;
      border-left: 3px solid var(--gold);
      background: transparent;
      font-size: .8rem;
      color: var(--clr-muted, #888);
      font-style: italic;
      line-height: 1.6;
    }

    .promise-box {
      margin-top: 14px;
      background: #f9fbff;
      border: 1px solid var(--border);
      border-left: 4px solid var(--gold);
      border-radius: var(--radius-md);
      padding: 12px 14px;
      font-size: .86rem;
      color: var(--dark);
      line-height: 1.6;
      font-weight: 700;
    }

    #services.tight-next {
      padding-bottom: clamp(48px, 6vw, 80px);
    }

    #process.tight-prev {
      padding-top: clamp(48px, 6vw, 80px);
    }

    @media (max-width: 900px) {

      .who-grid,
      .process-grid {
        grid-template-columns: 1fr 1fr;
      }
    }

    @media (max-width: 767px) {

      .who-grid,
      .process-grid {
        grid-template-columns: 1fr;
      }
    }

    /* TOOLS */
    #tools {
      background: var(--slate);
    }

    .tools-nav {
      display: flex;
      gap: 9px;
      flex-wrap: wrap;
      margin-bottom: 28px;
    }

    .tool-tab {
      padding: 8px 18px;
      border-radius: 20px;
      border: 1.5px solid var(--border);
      background: var(--white);
      font-size: .8rem;
      font-weight: 600;
      color: var(--text);
      cursor: pointer;
      transition: all .2s;
    }

    .tool-tab.active {
      background: var(--navy);
      color: #fff;
      border-color: var(--navy);
    }

    .tool-panel {
      display: none;
      background: var(--white);
      border: 1px solid var(--border);
      border-radius: var(--radius-md);
      padding: 30px;
      transition: box-shadow .25s ease, border-color .25s ease;
    }

    .tool-panel.active {
      display: block;
    }

    .tool-panel.active:hover {
      box-shadow: 0 18px 40px rgba(16, 49, 85,0.1);
      border-color: rgba(16, 49, 85,0.18);
    }

    .tool-title {
      font-size: clamp(.98rem, 1.6vw, 1.1rem);
      font-weight: 800;
      color: var(--navy);
      margin-bottom: 22px;
      line-height: 1.4;
    }

    .tool-help {
      margin-top: -12px;
      margin-bottom: 16px;
      font-size: .8rem;
      color: var(--text);
      line-height: 1.6;
    }

    .calc-error {
      margin-top: 10px;
      font-size: .78rem;
      color: #b42318;
      background: #fff5f5;
      border: 1px solid #fecaca;
      border-radius: var(--radius-md);
      padding: 9px 12px;
      display: none;
    }

    .calc-error.show {
      display: block;
    }

    .calc-note {
      margin-top: 12px;
      font-size: .78rem;
      color: var(--text);
      line-height: 1.6;
      background: #fff7e6;
      border: 1px solid #fde7b8;
      border-radius: var(--radius-md);
      padding: 10px 12px;
    }

    .tools-disclaimer {
      margin-top: 18px;
      font-size: .8rem;
      color: var(--text);
      background: #fff7e6;
      border: 1px solid #fde7b8;
      border-radius: var(--radius-md);
      padding: 12px 14px;
    }

    .asset-finder {
      display: grid;
      grid-template-columns: minmax(0, 1fr);
      gap: 24px;
      align-items: center;
    }

    .af-triangle {
      position: relative;
      width: min(420px, 90vw);
      aspect-ratio: 1 / 0.9;
      margin: 0 auto;
      background: linear-gradient(180deg, rgba(16, 49, 85,0.05), rgba(222, 182, 55,0.08));
      border: 1px solid rgba(16, 49, 85,0.12);
      border-radius: 22px;
      overflow: hidden;
      display: flex;
      align-items: center;
      justify-content: center;
    }

    .af-triangle::before {
      content: '';
      position: absolute;
      inset: 16%;
      background: conic-gradient(from 90deg, rgba(16, 49, 85,0.18), rgba(222, 182, 55,0.18), rgba(16, 49, 85,0.18));
      clip-path: polygon(50% 0%, 100% 86%, 0% 86%);
      opacity: 0.5;
    }

    .af-lines {
      position: absolute;
      inset: 20%;
      border: 2px dashed rgba(16, 49, 85,0.18);
      clip-path: polygon(50% 0%, 100% 86%, 0% 86%);
      opacity: 0.6;
    }

    .af-node {
      position: absolute;
      width: 112px;
      height: 112px;
      border-radius: 50%;
      border: 2px solid rgba(16, 49, 85,0.2);
      background: #fff;
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: .86rem;
      font-weight: 700;
      color: var(--navy);
      cursor: pointer;
      transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease, background .2s ease;
      z-index: 3;
      transform: var(--af-base-transform, none);
    }

    .af-node span {
      display: block;
      text-align: center;
      line-height: 1.2;
    }

    .af-node.selected {
      background: var(--navy);
      color: #fff;
      border-color: var(--navy);
      box-shadow: 0 14px 28px rgba(16, 49, 85,0.18);
      transform: var(--af-base-transform, none) translateY(-3px) scale(1.03);
    }

    .af-node.safety {
      top: 6%;
      left: 50%;
      --af-base-transform: translateX(-50%);
    }

    .af-node.returns {
      bottom: 7%;
      left: 8%;
    }

    .af-node.liquidity {
      bottom: 7%;
      right: 8%;
    }

    .af-core {
      position: absolute;
      width: 160px;
      height: 160px;
      display: flex;
      align-items: center;
      justify-content: center;
      z-index: 2;
      pointer-events: none;
      transition: transform .35s ease;
    }

    .af-core-inner {
      width: 100%;
      height: 100%;
      background: rgba(255, 255, 255, 0.9);
      border: 1px solid rgba(16, 49, 85,0.18);
      border-radius: 999px;
      display: flex;
      flex-direction: column;
      align-items: center;
      justify-content: center;
      padding: 16px;
      text-align: center;
      gap: 6px;
      transition: border-radius .35s ease, box-shadow .35s ease, transform .35s ease;
    }

    .af-core.reveal {
      opacity: 1;
      transform: scale(1.04);
      animation: af-pop .45s ease;
    }

    .af-core.reveal .af-core-inner {
      border-radius: 18px;
      box-shadow: 0 20px 40px rgba(16, 49, 85,0.16);
      transform: scale(1.02);
    }

    .af-reveal {
      font-size: .86rem;
      font-weight: 800;
      color: var(--navy);
      line-height: 1.3;
    }

    .af-desc {
      font-size: .72rem;
      color: var(--text);
      line-height: 1.4;
    }

    .af-selection {
      margin-top: 14px;
      text-align: center;
      font-size: .75rem;
      color: var(--text);
      font-weight: 600;
    }

    @keyframes af-pop {
      0% {
        transform: scale(0.9);
        filter: blur(0.2px);
      }

      60% {
        transform: scale(1.06);
      }

      100% {
        transform: scale(1.04);
        filter: blur(0);
      }
    }

    /* Mobile result card (hidden on desktop) */
    .af-result-card {
      display: none;
      background: var(--white);
      border: 1px solid var(--border);
      border-radius: var(--radius-md);
      padding: 14px 16px;
      margin-top: 14px;
      text-align: center;
      transition: opacity .3s ease;
    }

    .af-rc-title {
      font-size: .9rem;
      font-weight: 800;
      color: var(--navy);
      margin-bottom: 5px;
    }

    .af-rc-desc {
      font-size: .78rem;
      color: var(--text);
      line-height: 1.5;
    }

    @media (max-width: 540px) {

      /* Triangle: allow nodes to breathe outside the box */
      .af-triangle {
        overflow: visible;
        width: min(300px, 88vw);
        margin: 12px auto 28px;
      }

      /* Smaller nodes that fit within the triangle */
      .af-node {
        width: 76px;
        height: 76px;
        font-size: .72rem;
      }

      /* Push bottom nodes slightly outside for clarity */
      .af-node.returns {
        bottom: -10%;
        left: 2%;
      }

      .af-node.liquidity {
        bottom: -10%;
        right: 2%;
      }

      /* Center circle becomes a visual indicator only — text moves below */
      .af-core {
        width: 88px;
        height: 88px;
      }

      .af-core .af-reveal,
      .af-core .af-desc {
        display: none;
      }

      /* Show the mobile result card */
      .af-result-card {
        display: block;
      }
    }

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

    .goal-list {
      display: flex;
      flex-direction: column;
      gap: 16px;
      margin-bottom: 12px;
    }

    .goal-row {
      background: var(--slate);
      border: 1px solid var(--border);
      border-radius: 12px;
      padding: 16px;
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 14px;
    }

    .goal-actions {
      display: flex;
      align-items: flex-end;
    }

    .gi-remove {
      background: var(--white);
      border: 1.5px solid var(--border);
      color: var(--text);
      padding: 9px 12px;
      border-radius: var(--radius-sm);
      font-weight: 600;
      cursor: pointer;
    }

    .gi-remove:hover {
      border-color: var(--navy);
      color: var(--navy);
    }

    .gi-add {
      margin-top: 4px;
    }

    .gi-breakdown {
      margin-top: 12px;
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 12px;
    }

    .gi-item {
      background: var(--white);
      border: 1px solid var(--border);
      border-radius: var(--radius-md);
      padding: 12px;
      transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
    }

    .gi-item-title {
      font-size: .85rem;
      font-weight: 800;
      color: var(--navy);
      margin-bottom: 6px;
    }

    .gi-item-row {
      display: flex;
      justify-content: space-between;
      font-size: .78rem;
      color: var(--text);
      margin-top: 4px;
    }

    .gi-item-row strong {
      color: var(--navy);
      font-weight: 800;
    }

    .gi-item:hover {
      transform: translateY(-2px);
      box-shadow: 0 10px 24px rgba(16, 49, 85,0.12);
      border-color: rgba(16, 49, 85,0.2);
    }

    .fg {
      display: flex;
      flex-direction: column;
      gap: 5px;
    }

    .fg label {
      font-size: .74rem;
      font-weight: 600;
      color: var(--text);
    }

    .fg input {
      border: 1.5px solid var(--border);
      border-radius: var(--radius-sm);
      padding: 7px 11px;
      font-size: .84rem;
      color: var(--dark);
      outline: none;
      width: 100%;
    }

    .fg input:focus {
      border-color: var(--navy);
    }

    .fg input.input-error,
    .fg select.input-error {
      border-color: #f87171;
      background: #fff5f5;
    }

    .fg select {
      border: 1.5px solid var(--border);
      border-radius: var(--radius-sm);
      padding: 7px 11px;
      font-size: .84rem;
      color: var(--dark);
      outline: none;
      width: 100%;
      background: var(--white);
      font-weight: 600;
      cursor: pointer;
      appearance: none;
      background-image: linear-gradient(45deg, transparent 50%, var(--navy) 50%),
        linear-gradient(135deg, var(--navy) 50%, transparent 50%);
      background-position: calc(100% - 18px) 50%, calc(100% - 12px) 50%;
      background-size: 6px 6px, 6px 6px;
      background-repeat: no-repeat;
    }

    .fg select:focus {
      border-color: var(--navy);
      box-shadow: 0 0 0 2px rgba(16, 49, 85,0.08);
    }

    .check-row {
      display: flex;
      align-items: center;
      gap: 6px;
      margin-top: 6px;
    }

    .check-row input[type="checkbox"] {
      width: 14px;
      height: 14px;
      accent-color: var(--navy);
    }

    .check-row span {
      font-size: .78rem;
      color: var(--text);
    }

    .calc-btn {
      margin-top: 18px;
      background: var(--navy);
      color: #fff;
      border: none;
      padding: 11px 26px;
      border-radius: var(--radius-sm);
      font-weight: 700;
      font-size: .88rem;
      cursor: pointer;
      transition: transform .2s ease, box-shadow .2s ease, background-color .2s ease;
    }

    .calc-btn:hover {
      transform: translateY(-2px);
      box-shadow: var(--shadow-md);
    }

    .calc-actions {
      display: flex;
      gap: 10px;
      margin-top: 18px;
      flex-wrap: wrap;
    }

    .calc-action-btn {
      background: transparent;
      color: var(--navy);
      border: 1.5px solid var(--navy);
      padding: 8px 18px;
      border-radius: var(--radius-sm);
      font-weight: 600;
      font-size: .82rem;
      cursor: pointer;
      transition: background .18s, color .18s;
    }

    .calc-action-btn:hover {
      background: var(--navy);
      color: #fff;
    }

    .result-box {
      margin-top: 18px;
      background: var(--slate);
      border: 1px solid var(--border);
      border-radius: var(--radius-md);
      padding: 18px;
      display: none;
    }

    .result-box.show {
      display: block;
    }

    .calc-chart {
      margin-top: 18px;
    }

    .sticky-cta {
      position: fixed;
      left: 16px;
      right: 16px;
      bottom: 14px;
      z-index: 1200;
      background: var(--navy);
      color: #fff;
      padding: 14px 18px;
      border-radius: 12px;
      font-weight: 800;
      font-size: .92rem;
      box-shadow: 0 12px 26px rgba(16, 49, 85,0.22);
      display: none;
      align-items: center;
      gap: 12px;
    }

    .sticky-cta-link {
      color: #fff;
      font-weight: 800;
      flex: 1;
      text-align: center;
    }

    .sticky-cta-close {
      background: rgba(255,255,255,0.15);
      border: 1px solid rgba(255,255,255,0.30);
      color: #fff;
      width: 28px;
      height: 28px;
      border-radius: 50%;
      cursor: pointer;
      display: flex;
      align-items: center;
      justify-content: center;
      flex-shrink: 0;
      padding: 0;
      transition: background .2s;
    }

    .sticky-cta-close:hover { background: rgba(255,255,255,0.28); }

    @media (max-width: 767px) {
      .sticky-cta {
        display: flex;
      }
    }

    .rrow {
      display: flex;
      justify-content: space-between;
      align-items: center;
      padding: 7px 0;
      border-bottom: 1px solid var(--border);
    }

    .rrow:last-child {
      border-bottom: none;
    }

    .rl {
      font-size: .8rem;
      color: var(--text);
    }

    .rv {
      font-size: .95rem;
      font-weight: 800;
      color: var(--navy);
      font-variant-numeric: tabular-nums;
    }

    .rv.gold {
      color: var(--gold-text);
    }

    /* TESTIMONIALS */
    #testimonials {
      background: radial-gradient(circle at 20% 20%, rgba(222, 182, 55,0.15), transparent 55%),
        radial-gradient(circle at 80% 10%, rgba(255, 255, 255, 0.12), transparent 50%),
        var(--navy);
      position: relative;
      overflow: hidden;
    }

    #testimonials .section-tag {
      color: var(--gold);
    }

    #testimonials .section-title {
      color: var(--white);
    }

    #testimonials .divider {
      background: var(--gold);
    }

    #testimonials .section-sub {
      color: rgba(255, 255, 255, 0.72);
    }

    .t-trust {
      display: flex;
      flex-wrap: wrap;
      gap: 10px;
      margin-top: 18px;
    }

    .t-trust-item {
      font-size: .72rem;
      font-weight: 600;
      letter-spacing: .3px;
      text-transform: uppercase;
      color: rgba(255, 255, 255, 0.9);
      border: 1px solid rgba(255, 255, 255, 0.22);
      background: rgba(255, 255, 255, 0.08);
      padding: 6px 12px;
      border-radius: 999px;
    }

    .t-carousel {
      margin: 36px auto 0;
    }

    #t-wrap {
      overflow-x: auto;
      scroll-snap-type: x mandatory;
      scroll-padding: 20px;
      scroll-behavior: smooth;
      padding-bottom: 6px;
      -webkit-overflow-scrolling: touch;
    }

    #t-wrap::-webkit-scrollbar {
      height: 6px;
    }

    #t-wrap::-webkit-scrollbar-thumb {
      background: rgba(255, 255, 255, 0.25);
      border-radius: 999px;
    }

    #t-wrap::-webkit-scrollbar-track {
      background: transparent;
    }

    #t-track {
      display: flex;
      gap: 18px;
      padding: 8px 4px 18px;
    }

    .t-card {
      flex: 0 0 clamp(380px, 44vw, 540px);
      background: rgba(255, 255, 255, 0.98);
      border: 1px solid rgba(255, 255, 255, 0.14);
      border-radius: var(--radius-lg);
      padding: 16px 20px 14px;
      color: var(--dark);
      box-shadow: 0 22px 50px rgba(0, 0, 0, 0.22);
      scroll-snap-align: center;
      transition: transform .25s ease, box-shadow .25s ease, opacity .25s ease, filter .25s ease;
      position: relative;
      min-height: 210px;
      display: flex;
      flex-direction: column;
      justify-content: space-between;
      transform: scale(0.94);
      opacity: 0.75;
      filter: saturate(0.8);
    }

    .t-card.active {
      transform: translateY(-2px) scale(1);
      box-shadow: 0 30px 60px rgba(0, 0, 0, 0.26);
      opacity: 1;
      filter: saturate(1);
    }

    .t-rating {
      display: flex;
      align-items: center;
      gap: 12px;
      margin-bottom: 16px;
      flex-wrap: wrap;
    }

    .t-stars {
      color: #F59E0B;
      font-size: 1.05rem;
      letter-spacing: 2px;
      line-height: 1;
    }

    .t-verified {
      font-size: .75rem;
      font-weight: 700;
      color: var(--navy);
      background: rgba(222, 182, 55,0.22);
      border: 1px solid rgba(222, 182, 55,0.35);
      padding: 4px 10px;
      border-radius: 999px;
      letter-spacing: .04em;
      text-transform: uppercase;
    }

    .t-quote {
      font-size: .92rem;
      color: var(--text);
      line-height: 1.8;
      margin-bottom: 18px;
      padding-top: 10px;
      position: relative;
    }

    .t-quote::before {
      content: '\201C';
      position: absolute;
      top: -18px;
      left: -4px;
      font-family: Georgia, serif;
      font-size: 4.6rem;
      line-height: 1;
      color: var(--gold);
      opacity: 0.18;
      pointer-events: none;
    }

    .t-badges {
      display: flex;
      flex-wrap: wrap;
      gap: 8px;
      margin-bottom: 12px;
    }

    .t-pill {
      font-size: .75rem;
      font-weight: 700;
      color: var(--navy);
      background: rgba(16, 49, 85,0.08);
      border: 1px solid rgba(16, 49, 85,0.18);
      padding: 4px 10px;
      border-radius: 999px;
    }

    .t-person {
      display: flex;
      align-items: center;
      gap: 14px;
      padding-top: 16px;
      border-top: 1px solid rgba(15, 23, 42, 0.08);
    }

    .t-avatar {
      width: 48px;
      height: 48px;
      border-radius: 50%;
      background: linear-gradient(135deg, rgba(16, 49, 85,0.95), rgba(16, 49, 85,0.7));
      color: #fef3c7;
      display: flex;
      align-items: center;
      justify-content: center;
      font-weight: 800;
      font-size: .9rem;
      flex-shrink: 0;
    }

    .t-name {
      font-size: .92rem;
      font-weight: 700;
      color: var(--navy);
    }

    .t-meta {
      font-size: .78rem;
      color: var(--text);
      margin-top: 2px;
    }

    .t-controls {
      display: flex;
      justify-content: center;
      align-items: center;
      gap: 14px;
      max-width: 720px;
      margin: 20px auto 0;
    }

    .t-btn {
      background: rgba(255, 255, 255, 0.1);
      border: 1px solid rgba(255, 255, 255, 0.24);
      border-radius: 50%;
      width: 40px;
      height: 40px;
      display: inline-flex;
      align-items: center;
      justify-content: center;
      cursor: pointer;
      color: var(--white);
      transition: background .2s, border-color .2s;
      flex-shrink: 0;
    }

    .t-btn:hover {
      background: rgba(255, 255, 255, 0.22);
      border-color: rgba(255, 255, 255, 0.45);
    }

    .t-dots {
      display: flex;
      gap: 8px;
      align-items: center;
    }

    .t-dot {
      width: 8px;
      height: 8px;
      border-radius: 4px;
      background: rgba(255, 255, 255, 0.25);
      border: none;
      cursor: pointer;
      transition: all .25s ease;
    }

    .t-dot.active {
      background: var(--gold);
      width: 24px;
    }

    @media (max-width: 1000px) {
      .t-card {
        flex: 0 0 clamp(360px, 76vw, 580px);
        min-height: 200px;
      }
    }

    @media (max-width: 680px) {
      .t-card {
        flex: 0 0 85%;
        min-height: 0;
      }
    }

    /* CALCULATOR COMPACTING (desktop/laptop) */
    @media (min-width: 900px) {
      #tools .tool-tab {
        padding: 7px 14px;
        font-size: .76rem;
      }

      #tools .tool-panel {
        padding: 24px;
      }

      #tools .tool-title {
        font-size: clamp(.92rem, 1.2vw, 1.05rem);
        margin-bottom: 18px;
      }

      #tools .fg label {
        font-size: .75rem;
      }

      #tools .fg input {
        padding: 6px 10px;
        font-size: .82rem;
      }

      #tools .calc-btn {
        padding: 9px 22px;
        font-size: .84rem;
      }

      #tools .rrow {
        padding: 6px 0;
      }

      #tools .rl {
        font-size: .75rem;
      }

      #tools .rv {
        font-size: .9rem;
      }

      #tools .goal-row {
        padding: 14px;
        gap: 12px;
      }

      #tools .gi-item {
        padding: 10px;
      }

      #tools .gi-item-title {
        font-size: .8rem;
      }

      #tools .gi-item-row {
        font-size: .75rem;
      }
    }

    /* CONTACT */
    #contact {
      background: var(--white);
    }

    .contact-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 56px;
      align-items: start;
    }

    .contact-info p {
      font-size: clamp(.9rem, 1.2vw, .98rem);
      color: var(--text);
      line-height: 1.8;
      margin-bottom: 24px;
    }

    .c-items {
      display: flex;
      flex-direction: column;
      gap: 12px;
    }

    .c-item {
      display: flex;
      align-items: center;
      gap: 11px;
      font-size: .86rem;
      color: var(--text);
    }

    .c-icon {
      width: 34px;
      height: 34px;
      background: var(--slate);
      border: 1px solid var(--border);
      border-radius: 8px;
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: .85rem;
      flex-shrink: 0;
      color: var(--navy);
    }

    .lead-form {
      background: var(--slate);
      border: 1px solid var(--border);
      border-radius: var(--radius-md);
      padding: 30px;
    }

    .lead-form h3 {
      font-size: clamp(1rem, 1.4vw, 1.15rem);
      font-weight: 800;
      color: var(--navy);
      margin-bottom: 20px;
    }

    .lf-g {
      display: flex;
      flex-direction: column;
      gap: 5px;
      margin-bottom: 14px;
    }

    .lf-g label {
      font-size: .76rem;
      font-weight: 600;
      color: var(--text);
    }

    .lf-g input,
    .lf-g textarea,
    .lf-g select {
      border: 1.5px solid var(--border);
      border-radius: var(--radius-sm);
      padding: 9px 13px;
      font-size: .86rem;
      color: var(--dark);
      background: var(--white);
      outline: none;
      font-family: inherit;
      width: 100%;
    }

    .lf-g input:focus,
    .lf-g textarea:focus,
    .lf-g select:focus {
      border-color: var(--navy);
    }

    .lf-g textarea {
      resize: vertical;
      min-height: 80px;
    }

    .sub-btn {
      width: 100%;
      background: var(--navy);
      color: #fff;
      border: none;
      padding: 12px;
      border-radius: var(--radius-sm);
      font-weight: 700;
      font-size: .92rem;
      cursor: pointer;
      transition: transform .2s ease, box-shadow .2s ease, background-color .2s ease;
    }

    .sub-btn:hover {
      transform: translateY(-2px);
      box-shadow: var(--shadow-md);
    }

    .btn-primary:focus-visible,
    .btn-outline:focus-visible,
    .nav-cta:focus-visible,
    .calc-btn:focus-visible,
    .sub-btn:focus-visible {
      outline: 2px solid rgba(222, 182, 55,0.6);
      outline-offset: 3px;
    }

    .success-msg {
      display: none;
      margin-top: 14px;
      background: #ecfdf5;
      border: 1px solid #6ee7b7;
      border-radius: 8px;
      padding: 13px;
      font-size: .83rem;
      color: #065f46;
      text-align: center;
      font-weight: 600;
    }

    /* FOOTER */
    footer {
      background: var(--navy);
      color: #fff;
      padding: 28px 5%;
      text-align: center;
    }

    .f-name {
      font-size: .98rem;
      font-weight: 700;
      color: var(--gold);
      margin-bottom: 6px;
    }

    .toast {
      position: fixed;
      bottom: 24px;
      right: 24px;
      background: #1E293B;
      color: #fff;
      padding: 12px 18px;
      border-radius: 8px;
      font-size: 0.85rem;
      opacity: 0;
      transform: translateY(20px);
      transition: all 0.3s ease;
      z-index: 9999;
      pointer-events: none;
    }

    .toast.show {
      opacity: 1;
      transform: translateY(0);
    }

    .toast.success {
      background: #065f46;
    }

    .toast.error {
      background: #7f1d1d;
    }



    footer > p {
      font-size: .78rem;
      opacity: .65;
      margin-top: 4px;
    }

    .footer-links {
      margin-top: 18px;
      display: flex;
      justify-content: center;
      gap: 16px;
      flex-wrap: wrap;
      font-size: .78rem;
      opacity: .85;
    }

    .footer-links a:hover {
      text-decoration: underline;
    }

    /* MOBILE FIRST RESPONSIVE DESIGN */

    /* Base styles (Mobile - up to 767px) */
    .nav-links {
      display: none;
      position: absolute;
      top: 100%;
      left: 0;
      right: 0;
      background: var(--white);
      border-bottom: 1px solid var(--border);
      flex-direction: column;
      padding: 16px 5%;
      gap: 12px;
    }

    .nav-links.mobile-menu {
      display: flex;
    }

    .nav-cta {
      background: var(--navy);
      color: #fff !important;
      padding: 10px 20px;
      border-radius: var(--radius-sm);
      font-size: .85rem;
      font-weight: 600;
      cursor: pointer;
      text-align: center;
      display: block;
    }

    .mobile-menu-toggle {
      display: block;
      background: none;
      border: none;
      font-size: 1.5rem;
      cursor: pointer;
      color: var(--navy);
      padding: 8px;
    }

    .services-grid {
      grid-template-columns: 1fr;
      gap: 20px;
    }

    .tools-nav {
      flex-wrap: wrap;
      gap: 8px;
    }

    .tool-tab {
      padding: 8px 14px;
      font-size: .75rem;
    }

    .btn-primary,
    .btn-outline {
      padding: 14px 24px;
      font-size: .9rem;
      min-height: 48px;
      display: inline-flex;
      align-items: center;
      justify-content: center;
    }

    .btn-primary {
      background: var(--navy);
      color: #fff;
      border-radius: var(--radius-sm);
      font-weight: 700;
      cursor: pointer;
      border: none;
    }

    .btn-outline {
      border: 2px solid var(--navy);
      color: var(--navy);
      border-radius: var(--radius-sm);
      font-weight: 700;
      cursor: pointer;
      background: transparent;
    }

    .svc-card {
      padding: 24px;
    }

    .tool-panel {
      padding: 24px;
    }

    .lead-form {
      padding: 24px;
    }

    .c-item {
      font-size: .8rem;
    }

    #sip-chart {
      width: 100% !important;
      max-width: 100%;
      display: block;
    }

    @media (max-width: 900px) {

      .hero-grid,
      .about-grid,
      .contact-grid {
        grid-template-columns: 1fr;
        gap: 32px;
      }

      .hero-card {
        margin-top: 24px;
      }

      .services-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 20px;
      }

      .t-card {
        padding: 24px 24px 22px;
      }

      .form-grid {
        grid-template-columns: 1fr;
      }

      .goal-row {
        grid-template-columns: 1fr 1fr;
      }

      .gi-breakdown {
        grid-template-columns: 1fr;
      }
    }

    @media (max-width: 640px) {
      .services-grid {
        grid-template-columns: 1fr;
      }

      .t-card {
        padding: 22px 20px;
      }

      .t-quote::before {
        font-size: 3.8rem;
        top: -14px;
      }

      .tools-nav {
        gap: 8px;
      }

      .tool-tab {
        flex: 1 1 160px;
      }

      .goal-row {
        grid-template-columns: 1fr;
      }
    }

    @media (max-width: 767px) {
      .hero-btns {
        flex-direction: column;
        gap: 16px;
        align-items: stretch;
      }

      .hero-btns a {
        text-align: center;
      }
    }

    /* Tablet styles (768px and up) */
    @media (min-width: 768px) {
      .nav-links {
        display: flex;
        position: static;
        background: transparent;
        border-bottom: none;
        flex-direction: row;
        padding: 0;
        gap: 24px;
      }

      .mobile-menu-toggle {
        display: none;
      }

      .nav-cta {
        padding: 8px 18px;
      }

      .hero-grid {
        grid-template-columns: 1fr 1fr;
        gap: 60px;
      }

      .hero-title {
        font-size: 2.5rem;
      }

      .hero-desc {
        font-size: .95rem;
      }

      .about-grid,
      .contact-grid {
        grid-template-columns: 1fr 1fr;
        gap: 56px;
      }

      .services-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 24px;
      }

      .form-grid {
        grid-template-columns: 1fr 1fr;
      }

      .tool-tab {
        padding: 8px 18px;
        font-size: .8rem;
      }

      .section-title {
        font-size: 1.9rem;
      }
    }

    /* Laptop styles (1024px and up) */
    @media (min-width: 1024px) {
      body {
        font-size: 17px;
      }

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

      .hero-title {
        font-size: 2.8rem;
      }

      .section-title {
        font-size: 2.1rem;
      }

      .container {
        max-width: 1200px;
      }

      .svc-card {
        padding: 28px;
      }
    }

    /* Large monitor styles (1440px and up) */
    @media (min-width: 1440px) {
      body {
        font-size: 18px;
      }

      .container {
        max-width: 1400px;
      }

      .hero-title {
        font-size: 3.2rem;
      }

      .section-title {
        font-size: 2.3rem;
      }

      .services-grid {
        gap: 32px;
      }
    }

    /* Ultra-wide monitor styles (1920px and up) */
    @media (min-width: 1920px) {
      body {
        font-size: 19px;
      }

      .container {
        max-width: 1600px;
      }

      .hero-title {
        font-size: 3.5rem;
      }

      .section-title {
        font-size: 2.5rem;
      }
    }

    /* ── Newsletter ── */
    .newsletter-section {
      background: var(--slate);
      border-top: 1px solid var(--border);
      padding: 64px 5%;
      text-align: center;
    }

    .newsletter-inner {
      max-width: 420px;
      margin: 0 auto;
    }

    .newsletter-title {
      font-size: 1.4rem;
      font-weight: 800;
      color: var(--navy);
      margin-bottom: 8px;
    }

    .newsletter-sub {
      font-size: .88rem;
      color: var(--text);
      margin-bottom: 24px;
      line-height: 1.6;
    }

    .newsletter-form {
      display: flex;
      flex-direction: column;
      gap: 10px;
    }

    .newsletter-form input[type="email"] {
      width: 100%;
      border: 1.5px solid var(--border);
      border-radius: var(--radius-sm);
      padding: 10px 14px;
      font-size: .9rem;
      font-family: inherit;
      color: var(--dark);
      background: var(--white);
      outline: none;
      transition: border-color .2s;
    }

    .newsletter-form input[type="email"]:focus {
      border-color: var(--navy);
    }

    .newsletter-form button {
      width: 100%;
      background: var(--navy);
      color: #fff;
      border: none;
      padding: 11px;
      border-radius: var(--radius-sm);
      font-weight: 700;
      font-size: .92rem;
      font-family: inherit;
      cursor: pointer;
      transition: transform .2s ease, box-shadow .2s ease;
    }

    .newsletter-form button:hover {
      transform: translateY(-2px);
      box-shadow: 0 10px 22px rgba(16, 49, 85,.18);
    }

    .newsletter-form button:disabled {
      opacity: .6;
      cursor: not-allowed;
      transform: none;
      box-shadow: none;
    }

    .newsletter-msg {
      font-size: .83rem;
      min-height: 18px;
    }

    .newsletter-msg.success {
      color: #15803d;
    }

    .newsletter-msg.error {
      color: #dc2626;
    }

    .hp-field {
      position: absolute;
      left: -9999px;
      width: 0;
      height: 0;
      opacity: 0;
      pointer-events: none;
    }

    /* ── Founder Photo ── */
    .hc-photo-wrap {
      display: flex;
      align-items: center;
      gap: 14px;
      margin-bottom: 16px;
    }

    .hc-photo {
      width: 72px;
      height: 72px;
      border-radius: 50%;
      object-fit: cover;
      border: 2.5px solid var(--gold);
      flex-shrink: 0;
      box-shadow: 0 4px 12px rgba(16, 49, 85,0.15);
    }

    .hc-info {
      flex: 1;
      min-width: 0;
    }

    /* ── Process Timeline ── */
    .process-timeline {
      display: flex;
      align-items: flex-start;
      gap: 0;
      margin-top: 36px;
      position: relative;
    }

    .process-timeline::before {
      content: '';
      position: absolute;
      top: 24px;
      left: calc(12.5% + 0px);
      right: calc(12.5% + 0px);
      height: 2px;
      background: linear-gradient(90deg, var(--navy), var(--gold), var(--navy));
      z-index: 0;
    }

    .pt-step {
      flex: 1;
      display: flex;
      flex-direction: column;
      align-items: center;
      text-align: center;
      position: relative;
      z-index: 1;
      padding: 0 8px;
    }

    .pt-circle {
      width: 48px;
      height: 48px;
      border-radius: 50%;
      background: var(--navy);
      color: #fff;
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 1rem;
      font-weight: 800;
      margin-bottom: 16px;
      border: 3px solid var(--white);
      box-shadow: 0 0 0 2px var(--navy), var(--shadow-md);
      flex-shrink: 0;
    }

    .pt-step:nth-child(2) .pt-circle {
      background: linear-gradient(135deg, var(--navy), #1a3a6e);
    }

    .pt-step:nth-child(3) .pt-circle {
      background: linear-gradient(135deg, #1a3a6e, var(--navy));
    }

    .pt-step:nth-child(4) .pt-circle {
      background: linear-gradient(135deg, var(--navy), #0d2a5a);
    }

    .pt-title {
      font-size: .88rem;
      font-weight: 800;
      color: var(--navy);
      margin-bottom: 6px;
    }

    .pt-desc {
      font-size: .78rem;
      color: var(--text);
      line-height: 1.6;
    }

    @media (max-width: 640px) {
      .process-timeline {
        flex-direction: column;
        gap: 0;
        align-items: stretch;
      }

      .process-timeline::before {
        display: none;
      }

      .pt-step {
        flex-direction: row;
        text-align: left;
        align-items: flex-start;
        padding: 0 0 24px 0;
        position: relative;
      }

      .pt-step::after {
        content: '';
        position: absolute;
        left: 23px;
        top: 48px;
        bottom: 0;
        width: 2px;
        background: linear-gradient(180deg, var(--navy), var(--gold));
      }

      .pt-step:last-child::after {
        display: none;
      }

      .pt-circle {
        margin-bottom: 0;
        margin-right: 16px;
        flex-shrink: 0;
      }

      .pt-content {
        flex: 1;
        padding-top: 10px;
      }
    }

    /* ═══ Process Timeline — WOW Animations ═══ */

    /* Line draws from left to right when .pt-live is added */
    .process-timeline::before {
      transform-origin: left center;
      transform: scaleX(0);
      transition: transform 1.2s cubic-bezier(0.4, 0, 0.2, 1) 0.15s;
    }

    .process-timeline.pt-live::before {
      transform: scaleX(1);
    }

    /* Steps start hidden */
    .pt-step {
      opacity: 0;
      transform: translateY(28px);
      transition: opacity 0.5s ease, transform 0.5s cubic-bezier(0.34, 1.2, 0.64, 1);
    }

    .pt-step.pt-in {
      opacity: 1;
      transform: translateY(0);
    }

    /* Circle: spring-pop entrance */
    @keyframes pt-circle-pop {
      0% {
        transform: scale(0);
        opacity: 0;
      }

      55% {
        transform: scale(1.3);
        opacity: 1;
      }

      75% {
        transform: scale(0.88);
      }

      100% {
        transform: scale(1);
        opacity: 1;
      }
    }

    /* Gold sonar ring that expands and fades */
    @keyframes pt-sonar {
      0% {
        box-shadow: 0 0 0 0 rgba(222, 182, 55,0.75), 0 0 0 0 rgba(222, 182, 55,0.4);
      }

      60% {
        box-shadow: 0 0 0 12px rgba(222, 182, 55,0), 0 0 0 24px rgba(222, 182, 55,0);
      }

      100% {
        box-shadow: 0 0 0 0 rgba(222, 182, 55,0), 0 0 0 0 rgba(222, 182, 55,0);
      }
    }

    /* Number shimmer sweep */
    @keyframes pt-number-shine {
      0% {
        background-position: -200% center;
      }

      100% {
        background-position: 200% center;
      }
    }

    .pt-circle {
      opacity: 0;
      transform: scale(0);
    }

    .pt-step.pt-in .pt-circle {
      animation:
        pt-circle-pop 0.65s cubic-bezier(0.34, 1.56, 0.64, 1) 0.15s both,
        pt-sonar 1.4s ease-out 0.7s both;
    }

    /* Content rises up after circle */
    .pt-content {
      opacity: 0;
      transform: translateY(14px);
      transition: opacity 0.45s ease 0.42s, transform 0.45s cubic-bezier(0.22, 1, 0.36, 1) 0.42s;
    }

    .pt-step.pt-in .pt-content {
      opacity: 1;
      transform: translateY(0);
    }

    /* Shimmer effect on circle number when visible */
    .pt-step.pt-in .pt-circle {
      background: linear-gradient(100deg,
          var(--navy) 30%,
          #4a6fa5 50%,
          var(--navy) 70%);
      background-size: 200% 100%;
      animation:
        pt-circle-pop 0.65s cubic-bezier(0.34, 1.56, 0.64, 1) 0.15s both,
        pt-sonar 1.4s ease-out 0.7s both,
        pt-number-shine 1.8s ease 1.1s both;
    }

    /* Reduced motion overrides */
    @media (prefers-reduced-motion: reduce) {
      .process-timeline::before {
        transition: none;
      }

      .pt-step {
        transition: none;
        opacity: 1;
        transform: none;
      }

      .pt-step .pt-circle {
        opacity: 1;
        transform: none;
      }

      .pt-step.pt-in .pt-circle {
        animation: none;
        background: var(--navy);
      }

      .pt-step .pt-content {
        opacity: 1;
        transform: none;
        transition: none;
      }
    }

    /* ── Blog Preview ── */
    #blog-preview {
      background: var(--white);
      border-top: 1px solid var(--border);
    }

    .bp-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 24px;
      margin-top: 32px;
    }

    .bp-card {
      border: 1px solid var(--border);
      border-radius: var(--radius-md);
      padding: 24px;
      background: var(--white);
      transition: box-shadow .2s, transform .2s;
      display: flex;
      flex-direction: column;
    }

    .bp-card:hover {
      box-shadow: var(--shadow-lg);
      transform: translateY(-2px);
    }

    .bp-cat {
      font-size: .68rem;
      font-weight: 700;
      letter-spacing: .08em;
      text-transform: uppercase;
      color: var(--gold-text);
      margin-bottom: 8px;
    }

    .bp-title {
      font-family: var(--font-heading);
      font-size: 1rem;
      font-weight: 700;
      color: var(--navy);
      line-height: 1.4;
      margin-bottom: 10px;
      flex: 1;
    }

    .bp-meta {
      margin-top: 16px;
      font-size: .74rem;
      color: var(--text);
      border-top: 1px solid var(--border);
      padding-top: 12px;
      display: flex;
      justify-content: space-between;
      align-items: center;
    }

    .bp-read {
      font-size: .8rem;
      font-weight: 600;
      color: var(--navy);
      display: inline-flex;
      align-items: center;
      gap: 4px;
    }

    .bp-read:hover {
      color: var(--gold-text);
    }

    .bp-cta {
      text-align: center;
      margin-top: 32px;
    }

    .bp-cta-link {
      display: inline-flex;
      align-items: center;
      gap: 6px;
      font-size: .88rem;
      font-weight: 700;
      color: var(--navy);
      border: 2px solid var(--navy);
      padding: 10px 22px;
      border-radius: var(--radius-sm);
      transition: background .2s, color .2s;
    }

    .bp-cta-link:hover {
      background: var(--navy);
      color: #fff;
    }

    @media (max-width: 900px) {
      .bp-grid {
        grid-template-columns: 1fr 1fr;
      }
    }

    @media (max-width: 600px) {
      .bp-grid {
        grid-template-columns: 1fr;
      }
    }

    /* ── WhatsApp Floating Button ── */
    .wa-fab {
      position: fixed;
      bottom: 24px;
      right: 24px;
      width: 56px;
      height: 56px;
      border-radius: 50%;
      background: #25D366;
      color: #fff;
      display: flex;
      align-items: center;
      justify-content: center;
      box-shadow: 0 4px 16px rgba(37, 211, 102, 0.45);
      z-index: 1100;
      transition: transform .2s ease, box-shadow .2s ease;
    }

    .wa-fab:hover {
      transform: translateY(-3px) scale(1.06);
      box-shadow: 0 8px 24px rgba(37, 211, 102, 0.55);
    }

    .wa-fab svg {
      width: 28px;
      height: 28px;
    }

    @media (max-width: 767px) {
      .wa-fab {
        bottom: 70px;
      }
    }

    /* ── Scroll Reveal ── */
    .reveal {
      opacity: 0;
      transform: translateY(28px);
      transition: opacity .55s ease, transform .55s ease;
    }

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

    .reveal-stagger>* {
      opacity: 0;
      transform: translateY(22px);
      transition: opacity .5s ease, transform .5s ease;
    }

    .reveal-stagger>*.visible {
      opacity: 1;
      transform: translateY(0);
    }

    @media (prefers-reduced-motion: reduce) {

      .reveal,
      .reveal-stagger>* {
        opacity: 1 !important;
        transform: none !important;
        transition: none !important;
      }
    }

    /* ── :active states ── */
    .btn-primary:active {
      transform: translateY(0);
      box-shadow: none;
    }

    .btn-outline:active {
      transform: translateY(0);
      box-shadow: none;
      background: var(--navy);
      color: #fff;
    }

    .nav-cta:active {
      transform: scale(0.97);
    }

    .calc-btn:active {
      transform: translateY(0);
      box-shadow: none;
    }

    .sub-btn:active {
      transform: translateY(0);
      box-shadow: none;
    }

    .stat:active {
      transform: translateY(-1px);
      box-shadow: 0 4px 10px rgba(16, 49, 85,0.1);
    }

    .hi:active {
      transform: translateY(-1px);
      box-shadow: 0 5px 12px rgba(16, 49, 85,0.1);
    }

    .svc-card:active {
      transform: translateY(-2px) scale(1.005);
    }

    .bp-card:active {
      transform: translateY(-1px);
    }

    .hero-card:active {
      transform: translateY(-2px) scale(1.005);
    }

    /* ── touch-action: manipulation ── */
    button,
    a,
    .tool-tab,
    .filter-btn,
    .t-btn,
    .t-dot,
    .af-node,
    .calc-btn,
    .sub-btn,
    .nav-cta,
    .btn-primary,
    .btn-outline,
    .bp-card,
    .svc-card,
    .stat {
      touch-action: manipulation;
    }

/* ── FAQ ── */
#faq {
  background: var(--slate);
}

.faq-list {
  max-width: 720px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 32px;
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: border-color .2s ease;
}

.faq-item:hover {
  border-color: rgba(16,49,85,0.22);
}

.faq-q {
  padding: 18px 22px;
  font-size: .92rem;
  font-weight: 700;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  list-style: none;
  gap: 16px;
  user-select: none;
}

.faq-q::-webkit-details-marker { display: none; }

.faq-q::after {
  content: '+';
  font-size: 1.25rem;
  font-weight: 400;
  color: var(--gold-text);
  flex-shrink: 0;
  transition: transform .22s ease;
  line-height: 1;
}

details[open] .faq-q::after {
  transform: rotate(45deg);
}

.faq-a {
  padding: 0 22px 18px;
  font-size: .88rem;
  color: var(--text);
  line-height: 1.75;
  border-top: 1px solid var(--border);
  margin: 0 22px;
  padding-top: 14px;
}

@media (prefers-reduced-motion: reduce) {
  .faq-q::after { transition: none; }
}