/* ========================================
   FamilyVest - Main Stylesheet
   ======================================== */

:root {
  --navy-deep: #0A1628;
  --navy: #0F2140;
  --navy-mid: #162d50;
  --accent: #21A0DB;
  --accent-hover: #1B8ABF;
  --accent-muted: rgba(33, 160, 219, 0.12);
  --cream: #FFFEF4;
  --white: #FFFFFF;
  --off-white: #F8F7F4;
  --sand: #F0EDE6;
  --sand-dark: #E3DED3;
  --warm-gray: #A89F91;
  --text: #1E1E1E;
  --text-muted: #6B6560;
  --text-light: rgba(255, 255, 255, 0.75);

  --font-display: 'ABC Arizona Text', Georgia, serif;
  --font-body: 'Fakt', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --section-pad: clamp(3rem, 5vw, 4.5rem);
  --content-max: 1200px;
  --content-narrow: 780px;
  --radius: 6px;
}

@font-face {
  font-family: 'ABC Arizona Text';
  src: url('fonts/ABCArizonaText-Light.woff2') format('woff2'),
    url('fonts/ABCArizonaText-Light.woff') format('woff'),
    url('fonts/ABCArizonaText-Light.otf') format('opentype');
  font-weight: 300;
  font-style: normal;
  font-display: swap;
}

@font-face {
  font-family: 'ABC Arizona Text';
  src: url('fonts/ABCArizonaText-LightItalic.woff2') format('woff2'),
    url('fonts/ABCArizonaText-LightItalic.woff') format('woff'),
    url('fonts/ABCArizonaText-LightItalic.otf') format('opentype');
  font-weight: 300;
  font-style: italic;
  font-display: swap;
}

@font-face {
  font-family: 'Fakt';
  src: url('fonts/Fakt-Light.ttf') format('truetype');
  font-weight: 300;
  font-style: normal;
  font-display: swap;
}

@font-face {
  font-family: 'Fakt';
  src: url('fonts/Fakt-Normal.ttf') format('truetype');
  font-weight: 400;
  font-style: normal;
  font-display: swap;
}

@font-face {
  font-family: 'Fakt';
  src: url('fonts/Fakt-NormalItalic.ttf') format('truetype');
  font-weight: 400;
  font-style: italic;
  font-display: swap;
}

@font-face {
  font-family: 'Fakt';
  src: url('fonts/Fakt-Medium.ttf') format('truetype');
  font-weight: 500;
  font-style: normal;
  font-display: swap;
}

@font-face {
  font-family: 'Fakt';
  src: url('fonts/Fakt-SemiBold.ttf') format('truetype');
  font-weight: 600;
  font-style: normal;
  font-display: swap;
}

@font-face {
  font-family: 'Fakt';
  src: url('fonts/Fakt-SemiBoldItalic.ttf') format('truetype');
  font-weight: 600;
  font-style: italic;
  font-display: swap;
}

@font-face {
  font-family: 'Fakt';
  src: url('fonts/Fakt-Bold.ttf') format('truetype');
  font-weight: 700;
  font-style: normal;
  font-display: swap;
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-body);
  font-weight: 400;
  color: var(--text);
  line-height: 1.6;
  letter-spacing: 0;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  font-weight: 300;
  line-height: 1.05;
  letter-spacing: -0.02em;
}

h1 {
  font-size: clamp(2.5rem, 6vw, 3.5rem);
}

h2 {
  font-size: clamp(2rem, 4.5vw, 2.8rem);
}

h3 {
  font-size: clamp(1.4rem, 3vw, 1.8rem);
}

p {
  line-height: 1.7;
}

a {
  color: var(--accent);
  text-decoration: none;
  transition: color 0.3s ease;
}

a:hover {
  color: var(--accent-hover);
}

/* ========================================
   Typography & Utility Classes
   ======================================== */

.eyebrow {
  font-family: var(--font-body);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  font-size: 0.7rem;
  color: var(--accent);
  margin-bottom: 0.75rem;
  display: inline-block;
}

.btn,
.btn-primary,
.btn-ghost {
  font-family: var(--font-body);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  font-size: 0.85rem;
  padding: 0.9rem 1.8rem;
  border-radius: var(--radius);
  text-decoration: none;
  display: inline-block;
  cursor: pointer;
  border: none;
  transition: all 0.3s ease;
}

.btn-primary {
  background-color: var(--accent);
  color: var(--white);
}

.btn-primary:hover {
  background-color: var(--accent-hover);
}

.btn-ghost {
  background-color: transparent;
  color: var(--white);
  border: 1px solid var(--white);
}

.btn-ghost:hover {
  background-color: rgba(255, 255, 255, 0.1);
}

/* ========================================
   Navigation
   ======================================== */

nav.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  padding: 1.25rem 2rem;
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  background-color: rgba(10, 22, 40, 0.96);
  backdrop-filter: blur(10px);
  transition: all 0.3s ease;
}

nav.navbar.scrolled {
  background-color: rgba(10, 22, 40, 0.96);
  backdrop-filter: blur(10px);
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.1);
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}

.navbar .logo {
  display: flex;
  align-items: center;
  text-decoration: none;
  color: var(--white);
  font-weight: 600;
  z-index: 1001;
}

.navbar .logo img {
  height: 48px;
  width: auto;
  transition: filter 0.3s ease;
}

.navbar .nav-links {
  display: flex;
  gap: 2rem;
  align-items: center;
  justify-content: center;
  list-style: none;
}

.navbar .nav-links a,
.navbar .nav-links a:visited,
.navbar .nav-links a:active,
.navbar .nav-links a:focus {
  color: var(--white) !important;
}

.navbar .nav-links a:hover {
  color: var(--accent) !important;
}

.navbar .dropdown {
  position: relative;
}

.navbar .dropdown > a,
.navbar .dropdown > a:visited,
.navbar .dropdown > a:active,
.navbar .dropdown > a:focus {
  color: var(--white) !important;
  font-size: 0.99rem;
  transition: color 0.3s ease;
}

.navbar .dropdown > a:hover {
  color: var(--accent) !important;
}

.navbar .dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  background-color: rgba(10, 22, 40, 0.98);
  min-width: 220px;
  list-style: none;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-10px);
  transition: all 0.3s ease;
  border-radius: var(--radius);
  margin-top: 0.5rem;
  padding: 1rem 0;
  backdrop-filter: blur(10px);
}

.navbar .dropdown:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.navbar .dropdown-menu li a,
.navbar .dropdown-menu li a:visited,
.navbar .dropdown-menu li a:active,
.navbar .dropdown-menu li a:focus {
  display: block;
  padding: 0.75rem 1.5rem;
  color: var(--white) !important;
  font-size: 0.935rem;
  transition: color 0.3s ease;
}

.navbar .dropdown-menu li a:hover {
  color: var(--accent) !important;
}

.mobile-only {
  display: none;
}

.navbar .nav-cta,
.navbar .nav-cta:visited {
  background-color: var(--accent);
  color: var(--white) !important;
  padding: 0.75rem 1.5rem;
  border-radius: var(--radius);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  font-size: 0.88rem;
  text-decoration: none;
  white-space: nowrap;
  justify-self: end;
  transition: background-color 0.3s ease;
}

.navbar .nav-cta:hover {
  background-color: var(--accent-hover);
}

.hamburger {
  display: none;
  flex-direction: column;
  background: none;
  border: none;
  cursor: pointer;
  gap: 5px;
  z-index: 1001;
}

.hamburger span {
  width: 25px;
  height: 2px;
  background-color: var(--white);
  transition: all 0.3s ease;
}

.hamburger.active span:nth-child(1) {
  transform: rotate(45deg) translate(10px, 10px);
}

.hamburger.active span:nth-child(2) {
  opacity: 0;
}

.hamburger.active span:nth-child(3) {
  transform: rotate(-45deg) translate(7px, -7px);
}

@media (max-width: 768px) {
  .hamburger {
    display: flex;
    grid-column: 3;
    justify-self: end;
  }

  .navbar .nav-links {
    position: absolute;
    top: 70px;
    left: 0;
    right: 0;
    flex-direction: column;
    gap: 0;
    background-color: rgba(10, 22, 40, 0.98);
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease;
  }

  .navbar .nav-links.active {
    max-height: 600px;
  }

  .navbar .dropdown {
    width: 100%;
  }

  .navbar .dropdown > a {
    display: block;
    padding: 1rem 2rem;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  }

  .navbar .dropdown-menu {
    position: static;
    opacity: 0;
    visibility: hidden;
    max-height: 0;
    overflow: hidden;
    transform: none;
    background-color: rgba(33, 160, 219, 0.1);
  }

  .navbar .dropdown:hover .dropdown-menu {
    opacity: 1;
    visibility: visible;
    max-height: 500px;
  }

  .navbar .dropdown-menu li a {
    padding: 0.75rem 2rem 0.75rem 3rem;
  }

  .navbar > .nav-cta {
    display: none;
  }

  .mobile-only {
    display: list-item;
  }

  .mobile-only .nav-cta {
    margin: 1rem 2rem;
    display: block;
    text-align: center;
  }
}

/* ========================================
   Animations
   ======================================== */

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

.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.8s ease-out, transform 0.8s ease-out;
}

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

.reveal[data-delay='1'] {
  transition-delay: 0.1s;
}

.reveal[data-delay='2'] {
  transition-delay: 0.2s;
}

.reveal[data-delay='3'] {
  transition-delay: 0.3s;
}

/* ========================================
   Page Hero
   ======================================== */

.page-hero {
  position: relative;
  min-height: 500px;
  height: 60vh;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  color: var(--white);
  overflow: hidden;
  background-color: #0F2140;
  background-image: linear-gradient(135deg, #0F2140 0%, #1A3158 100%);
  margin-top: 0;
}

.page-hero h1 {
  font-size: clamp(2.2rem, 5.5vw, 3rem);
  line-height: 1.1;
  margin-bottom: 1.25rem;
  font-weight: 300;
}

.page-hero .subtitle {
  font-size: clamp(0.95rem, 2vw, 1.1rem);
  line-height: 1.7;
  margin-bottom: 2rem;
  max-width: 700px;
  margin-left: auto;
  margin-right: auto;
  color: var(--text-light);
}

.page-hero .ctas {
  display: flex;
  gap: 1.5rem;
  justify-content: center;
  flex-wrap: wrap;
}

@media (max-width: 600px) {
  .page-hero .ctas {
    flex-direction: column;
    gap: 1rem;
  }

  .page-hero .ctas .btn {
    width: 100%;
  }
}

/* ========================================
   Sections & Content
   ======================================== */

section {
  padding: var(--section-pad);
  overflow: hidden;
}

.section-content {
  max-width: var(--content-max);
  margin: 0 auto;
}

.section-header {
  text-align: center;
  margin-bottom: clamp(2rem, 4vw, 3rem);
}

/* Accent line above section headers */
.section-header .eyebrow::before {
  content: '';
  display: block;
  width: 40px;
  height: 3px;
  background: var(--accent);
  margin: 0 auto 0.75rem;
  border-radius: 2px;
}

.section-header h2 {
  margin-bottom: 1rem;
}

.section-header-subtitle {
  font-size: clamp(1rem, 2vw, 1.15rem);
  color: var(--text-muted);
  max-width: 700px;
  margin: 0 auto;
  line-height: 1.6;
}

.bg-navy {
  background-color: var(--navy-deep);
  color: var(--white);
}

.bg-cream {
  background-color: var(--cream);
}

.bg-white {
  background-color: var(--white);
}

/* ========================================
   Cards & Grids
   ======================================== */

.card {
  background-color: var(--white);
  padding: 2rem;
  border-radius: var(--radius);
  border: 1px solid var(--sand-dark);
  transition: all 0.3s ease;
}

.card:hover {
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.08);
  transform: translateY(-4px);
}

.card-icon {
  font-size: 2rem;
  margin-bottom: 1rem;
  display: inline-block;
}

.card h3 {
  font-size: 1.1rem;
  margin-bottom: 0.75rem;
}

.card p {
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.5;
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 2rem;
}

/* ========================================
   Footer
   ======================================== */

/* ── Footer ── */
footer {
  background: linear-gradient(180deg, #0d1f38 0%, var(--navy-deep) 100%);
  color: var(--text-light);
  padding: clamp(3rem, 5vw, 4.5rem) 2rem clamp(2rem, 3vw, 2.5rem);
}

.footer-grid {
  max-width: var(--content-max);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.6fr repeat(3, 1fr);
  gap: clamp(2rem, 4vw, 3.5rem);
  padding-bottom: 2.5rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  margin-bottom: 2rem;
}

.footer-brand img {
  height: 28px;
  margin-bottom: 0.75rem;
  opacity: 0.9;
}

.footer-brand p {
  font-size: 0.85rem;
  line-height: 1.7;
  margin: 0;
}

.footer-brand p + p { margin-top: 0.25rem; }

.footer-brand a {
  color: var(--text-light);
  transition: color 0.3s ease;
}
.footer-brand a:hover { color: var(--accent); }

.footer-tagline {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.5);
  margin-top: 1rem;
  line-height: 1.6;
  max-width: 28ch;
}

.footer-section h4 {
  color: var(--white);
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  margin-bottom: 1.1rem;
  font-weight: 600;
  opacity: 0.6;
}

.footer-section a {
  display: block;
  color: var(--text-light);
  font-size: 0.88rem;
  transition: color 0.25s ease, padding-left 0.25s ease;
  margin-bottom: 0.6rem;
}

.footer-section a:hover {
  color: var(--accent);
  padding-left: 3px;
}

.footer-bottom {
  max-width: var(--content-max);
  margin: 0 auto;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: flex-start;
  gap: 1rem;
}

.footer-links {
  display: flex;
  gap: 1.5rem;
  flex-wrap: wrap;
}

.footer-links a {
  color: rgba(255,255,255,0.6);
  font-size: 0.78rem;
  transition: color 0.25s ease;
}

.footer-links a:hover {
  color: var(--accent);
}

.footer-disclosure {
  font-size: 0.72rem;
  line-height: 1.6;
  color: rgba(255,255,255,0.3);
  max-width: 72ch;
}

.footer-social {
  display: flex;
  gap: 1rem;
  margin-top: 0.75rem;
}

.footer-social a {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
  transition: background 0.25s ease;
}

.footer-social a:hover {
  background: var(--accent);
}

.footer-social svg {
  width: 16px;
  height: 16px;
  fill: rgba(255,255,255,0.6);
  transition: fill 0.25s ease;
}

.footer-social a:hover svg {
  fill: #fff;
}

.footer-copyright {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.3);
  text-align: center;
  margin-top: 1.5rem;
  max-width: var(--content-max);
  margin-left: auto;
  margin-right: auto;
}

@media (max-width: 768px) {
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
  .footer-bottom {
    flex-direction: column;
    align-items: center;
    text-align: center;
  }
  .footer-links {
    justify-content: center;
  }
  .footer-disclosure {
    max-width: 100%;
  }
}

@media (max-width: 480px) {
  .footer-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
}

/* ========================================
   Floating Contact
   ======================================== */

.floating-contact {
  position: fixed;
  bottom: 2rem;
  right: 2rem;
  z-index: 999;
}

.floating-contact a {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 56px;
  height: 56px;
  background-color: var(--accent);
  color: var(--white);
  border-radius: 50%;
  box-shadow: 0 4px 12px rgba(33, 160, 219, 0.4);
  transition: all 0.3s ease;
  text-decoration: none;
  font-size: 1.5rem;
}

.floating-contact a:hover {
  background-color: var(--accent-hover);
  box-shadow: 0 6px 20px rgba(33, 160, 219, 0.6);
  transform: scale(1.1);
}

.floating-contact svg {
  width: 24px;
  height: 24px;
}

@media (max-width: 768px) {
  .floating-contact {
    bottom: 1rem;
    right: 1rem;
  }

  .floating-contact a {
    width: 50px;
    height: 50px;
    font-size: 1.2rem;
  }
}

/* ========================================
   Responsive
   ======================================== */

@media (max-width: 768px) {
  section {
    padding: clamp(2rem, 5vw, 4rem);
  }

  .grid-2,
  .grid-3 {
    grid-template-columns: 1fr;
  }
}

/* ========================================
   1. HOMEPAGE HERO (with video background)
   ======================================== */

.hero {
  position: relative;
  min-height: 85vh;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  background-color: var(--navy-deep, #0A1628);
  padding-top: 80px; /* offset for fixed navbar so content centers in visible area */
}

/* CSS-only hero overlay via ::after (fallback when .hero-overlay div is missing) */
.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(10, 22, 40, 0.55) 0%, rgba(15, 33, 64, 0.60) 100%);
  z-index: 1;
  pointer-events: none;
}

.hero-video {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  z-index: 0;
}

.hero-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(135deg, rgba(10, 22, 40, 0.8) 0%, rgba(15, 33, 64, 0.85) 100%);
  z-index: 1;
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 800px;
  width: 100%;
  margin: 0 auto;
  text-align: center;
  color: var(--white);
  padding: 2rem;
  text-shadow: 0 2px 12px rgba(10, 22, 40, 0.6), 0 1px 3px rgba(0, 0, 0, 0.4);
}

.hero .eyebrow {
  color: #4BB8E8;
  text-align: center;
  font-size: 1.35rem;
  font-weight: 700;
  letter-spacing: 0.02em;
}

.hero-subtitle {
  color: var(--text-light);
  font-size: clamp(1.35rem, 2.7vw, 1.62rem);
  font-style: italic;
  max-width: 600px;
  margin: 24px auto 2rem;
  line-height: 1.6;
}

.hero-ctas {
  display: flex;
  gap: 1.5rem;
  justify-content: center;
  flex-wrap: wrap;
}

/* ========================================
   2. TRUST BAR (below hero)
   ======================================== */

.trust-bar {
  width: 100%;
  background-color: var(--navy-deep);
  border-top: 1px solid rgba(33, 160, 219, 0.2);
  padding: 3rem var(--section-pad);
}

.trust-items {
  max-width: var(--content-max);
  margin: 0 auto;
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 3rem;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.trust-icon {
  width: 28px;
  height: 28px;
  color: var(--accent);
  flex-shrink: 0;
}

.trust-label {
  font-weight: 600;
  color: var(--white);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.75rem;
  white-space: nowrap;
}

.trust-detail {
  color: var(--text-muted);
  font-size: 0.8rem;
  white-space: nowrap;
}

/* ========================================
   3. ANNOUNCEMENT BAND
   ======================================== */

.band {
  width: 100%;
  background-color: var(--accent-muted);
  color: var(--text);
  text-align: center;
  padding: 1.25rem 2rem;
  font-size: 0.95rem;
  line-height: 1.5;
}

/* ========================================
   4. SECTION VARIANTS
   ======================================== */

.section-subtitle {
  font-size: clamp(1rem, 2vw, 1.15rem);
  color: var(--text-muted);
  max-width: 700px;
  margin: 0 auto;
  line-height: 1.6;
  text-align: center;
}

.section-narrow {
  max-width: var(--content-narrow);
  margin: 0 auto;
}

.section-inner {
  max-width: var(--content-max);
  margin: 0 auto;
}

/* ========================================
   5. STATS
   ======================================== */

.stat {
  text-align: center;
  padding: 2rem 1rem;
}

.stat-number,
.stat-num {
  font-family: var(--font-display);
  font-size: 2.5rem;
  font-weight: 300;
  color: var(--accent);
  margin-bottom: 0.75rem;
  line-height: 1;
}

.stat-label {
  text-transform: uppercase;
  font-size: 0.8rem;
  color: var(--text-muted);
  letter-spacing: 0.1em;
  font-weight: 600;
}

.stat-card {
  background-color: var(--white);
  padding: 2rem;
  border-radius: var(--radius);
  border: 1px solid var(--sand-dark);
  text-align: center;
  transition: all 0.3s ease;
}

.stat-card:hover {
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.08);
  transform: translateY(-4px);
}

/* ========================================
   6. QUOTES/TESTIMONIALS
   ======================================== */

.quote {
  border-left: 4px solid var(--accent);
  padding-left: 1.5rem;
  margin: 2rem 0;
}

.quote-text {
  font-family: var(--font-display);
  font-style: italic;
  font-size: clamp(1.1rem, 2vw, 1.4rem);
  line-height: 1.6;
  margin-bottom: 1rem;
  color: var(--text);
}

.quote-author {
  font-size: 0.85rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 600;
}

/* ========================================
   7. SERVICES TABS (homepage)
   ======================================== */

.services-tabs {
  display: flex;
  gap: 0;
  border-bottom: 1px solid var(--sand-dark);
  margin-bottom: 2rem;
  overflow-x: auto;
  overflow-y: hidden;
}

.tab-btn {
  background-color: transparent;
  color: var(--white);
  border: none;
  border-bottom: 2px solid transparent;
  padding: 1rem 1.5rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.85rem;
  cursor: pointer;
  transition: all 0.3s ease;
  white-space: nowrap;
}

.tab-btn:hover {
  color: var(--accent);
}

.tab-btn.active {
  border-bottom-color: var(--accent);
  color: var(--accent);
}

.tab-panel {
  display: none;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  padding: 2rem 0;
  align-items: center;
}

.tab-panel.active {
  display: grid;
}

.tab-panel-text h3 {
  margin-bottom: 1rem;
}

.tab-panel-text p {
  color: var(--text-muted);
  margin-bottom: 1.5rem;
  line-height: 1.7;
}

/* ========================================
   8. CHIPS/TAGS
   ======================================== */

.chips {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
  margin-bottom: 1.25rem;
}

.chip,
.tag {
  background-color: var(--accent-muted);
  color: var(--accent);
  padding: 0.5rem 1rem;
  border-radius: 999px;
  font-size: 0.8rem;
  font-weight: 500;
  display: inline-block;
}

/* ========================================
   8b. SERVICE CHIPS + CARD (homepage)
   ======================================== */

.service-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  justify-content: center;
  max-width: 900px;
  margin: 0 auto 2.5rem;
}

.service-chip {
  background: transparent;
  border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.7);
  padding: 0.6rem 1.4rem;
  border-radius: 100px;
  font-family: var(--font-body);
  font-size: 0.92rem;
  font-weight: 500;
  cursor: pointer;
  transition: all 0.25s ease;
  white-space: nowrap;
}

.service-chip:hover {
  border-color: var(--accent);
  color: #fff;
}

.service-chip.active {
  background: var(--accent);
  border-color: var(--accent);
  color: #fff;
  font-weight: 600;
}

.service-card {
  max-width: 720px;
  margin: 0 auto;
}

.service-card-inner {
  background: var(--navy-mid);
  border-radius: 16px;
  padding: 2.5rem 3rem;
  border: 1px solid rgba(255,255,255,0.06);
  transition: opacity 0.2s ease, transform 0.2s ease;
}

.service-card-inner h3 {
  color: #fff;
  font-family: var(--font-heading);
  font-size: 1.5rem;
  margin-bottom: 1rem;
}

.service-card-inner p {
  color: var(--text-light);
  font-size: 1.05rem;
  line-height: 1.7;
  margin-bottom: 1.5rem;
}

.service-card-inner .btn-ghost {
  display: inline-block;
  padding: 0.65rem 1.5rem;
  font-size: 0.88rem;
}

@media (max-width: 768px) {
  .service-chips {
    gap: 0.5rem;
  }
  .service-chip {
    font-size: 0.82rem;
    padding: 0.5rem 1rem;
  }
  .service-card-inner {
    padding: 1.75rem 1.5rem;
  }
}

/* 35% size bump for What We Do section */
#what-we-do {
  padding-top: calc(var(--section-pad) * 1.35);
  padding-bottom: calc(var(--section-pad) * 1.35);
}

#what-we-do .section-header h2 {
  font-size: clamp(1.8rem, 4vw, 2.7rem);
}

#what-we-do .section-subtitle {
  font-size: clamp(1rem, 2vw, 1.2rem);
}

/* ========================================
   9. BUTTONS (additional)
   ======================================== */

.btn-outline {
  background-color: transparent;
  border: 1px solid var(--white);
  color: var(--white);
  padding: 0.9rem 1.8rem;
  border-radius: var(--radius);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  font-size: 0.85rem;
  cursor: pointer;
  transition: all 0.3s ease;
}

.btn-outline:hover {
  background-color: rgba(255, 255, 255, 0.1);
}

.btn-outline-dark {
  background-color: transparent;
  border: 1px solid var(--text);
  color: var(--text);
  padding: 0.9rem 1.8rem;
  border-radius: var(--radius);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  font-size: 0.85rem;
  cursor: pointer;
  transition: all 0.3s ease;
}

.btn-outline-dark:hover {
  background-color: rgba(30, 30, 30, 0.05);
}

.btn-secondary {
  background-color: var(--sand);
  color: var(--text);
  padding: 0.9rem 1.8rem;
  border-radius: var(--radius);
  border: none;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  font-size: 0.85rem;
  cursor: pointer;
  transition: all 0.3s ease;
}

.btn-secondary:hover {
  background-color: var(--sand-dark);
}

.btn-accent {
  background-color: var(--accent);
  color: var(--white);
  padding: 0.9rem 1.8rem;
  border-radius: var(--radius);
  border: none;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  font-size: 0.85rem;
  cursor: pointer;
  transition: all 0.3s ease;
}

.btn-accent:hover {
  background-color: var(--accent-hover);
}


.btn-group {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

/* ========================================
   10. CARD VARIANTS
   ======================================== */

.card-link {
  font-size: 0.85rem;
  color: var(--accent);
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-top: 1rem;
  transition: gap 0.3s ease;
}

.card-link:hover {
  gap: 0.75rem;
}

.card-link::after {
  content: '';
  width: 1em;
  height: 1em;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2321A0DB' stroke-width='2'%3E%3Cline x1='5' y1='12' x2='19' y2='12'/%3E%3Cpolyline points='12 5 19 12 12 19'/%3E%3C/svg%3E") no-repeat center;
  background-size: contain;
}

.card-meta {
  font-size: 0.8rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 0.5rem;
}

.card-tags {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
  margin-top: 1rem;
}

.card-desc {
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.6;
  margin: 1rem 0;
}

.card-label {
  font-size: 0.85rem;
  color: var(--text);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 0.5rem;
}

.card-actions {
  display: flex;
  gap: 0.75rem;
  margin-top: 1.5rem;
  flex-wrap: wrap;
}

/* ========================================
   11. GRID VARIANTS
   ======================================== */

.grid-4 {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.5rem;
}

.grid-5 {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1.5rem;
}

/* ========================================
   12. TEXT UTILITIES
   ======================================== */

.text-large {
  font-size: 1.15rem;
  line-height: 1.7;
}

.text-center {
  text-align: center;
}

.text-white {
  color: var(--white);
}

.text-accent {
  color: var(--accent);
}

/* ========================================
   13. SPACING UTILITIES
   ======================================== */

.mt-3 {
  margin-top: 1.5rem;
}

.mt-4 {
  margin-top: 2rem;
}

.mt-6 {
  margin-top: 3rem;
}

.mb-3 {
  margin-bottom: 1.5rem;
}

.mb-4 {
  margin-bottom: 2rem;
}

.mx-auto {
  margin-left: auto;
  margin-right: auto;
}

/* ========================================
   14. FORMS
   ======================================== */

.form-group {
  margin-bottom: 1.5rem;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
}

.form-label {
  display: block;
  font-weight: 500;
  margin-bottom: 0.5rem;
  font-size: 0.9rem;
  color: var(--text);
}

.form-input {
  width: 100%;
  padding: 0.9rem;
  border: 1px solid var(--sand-dark);
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 1rem;
  transition: all 0.3s ease;
  background-color: var(--white);
}

.form-input:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px var(--accent-muted);
}

.form-textarea {
  width: 100%;
  padding: 0.9rem;
  border: 1px solid var(--sand-dark);
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 1rem;
  min-height: 150px;
  resize: vertical;
  transition: all 0.3s ease;
  background-color: var(--white);
}

.form-textarea:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px var(--accent-muted);
}

.form-actions {
  display: flex;
  gap: 1rem;
  margin-top: 2rem;
  flex-wrap: wrap;
}

/* ========================================
   15. LEGAL/CONTENT PAGES
   ======================================== */

.legal-content {
  max-width: var(--content-narrow);
  margin: 0 auto;
  line-height: 1.8;
  color: var(--text);
}

.legal-content h2 {
  margin-top: 2rem;
  margin-bottom: 1rem;
}

.legal-content h3 {
  margin-top: 1.5rem;
  margin-bottom: 0.75rem;
}

.legal-content p {
  margin-bottom: 1rem;
}

.legal-content ul,
.legal-content ol {
  margin-bottom: 1rem;
  padding-left: 1.5rem;
}

.legal-content ul li,
.legal-content ol li {
  margin-bottom: 0.5rem;
}

.legal-date {
  color: var(--text-muted);
  font-size: 0.9rem;
  margin-bottom: 2rem;
}

/* ========================================
   16. LOGIN/AUTH PAGES
   ======================================== */

.reset-card,
.welcome-card {
  max-width: 480px;
  margin: 0 auto;
  padding: 3rem;
  background-color: var(--white);
  border: 1px solid var(--sand-dark);
  border-radius: var(--radius);
}

.reset-header {
  text-align: center;
  margin-bottom: 2rem;
}

.reset-header h2 {
  margin-bottom: 0.75rem;
}

.reset-header p {
  color: var(--text-muted);
  font-size: 0.95rem;
}

.reset-form {
  display: flex;
  flex-direction: column;
}

.back-to-login {
  text-align: center;
  margin-top: 1rem;
  font-size: 0.9rem;
}

.forgot-password-link {
  font-size: 0.85rem;
  color: var(--accent);
  display: inline-block;
  margin-top: 0.75rem;
}

/* ========================================
   17. 404 PAGE
   ======================================== */

.not-found-content {
  max-width: 600px;
  margin: 0 auto;
  text-align: center;
  padding: 3rem 2rem;
}

.not-found-code {
  font-family: var(--font-display);
  font-size: 8rem;
  color: var(--accent);
  opacity: 0.3;
  margin-bottom: 1rem;
  line-height: 1;
}

.not-found-title {
  font-size: clamp(2rem, 4vw, 2.8rem);
  margin-bottom: 1rem;
}

.not-found-text {
  color: var(--text-muted);
  font-size: 1.05rem;
  line-height: 1.6;
}

/* ========================================
   18. FAQ
   ======================================== */

.faq-item {
  border-bottom: 1px solid var(--sand-dark);
  padding: 1.5rem 0;
}

.faq-item:last-child {
  border-bottom: none;
}

.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  font-weight: 500;
  color: var(--text);
  transition: color 0.3s ease;
}

.faq-question:hover {
  color: var(--accent);
}

.faq-toggle {
  width: 24px;
  height: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  color: var(--accent);
  transition: transform 0.3s ease;
  flex-shrink: 0;
}

.faq-item.active .faq-toggle {
  transform: rotate(180deg);
}

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

.faq-answer-content {
  padding: 1rem 0;
  color: var(--text-muted);
  line-height: 1.7;
}

.faq-item.active .faq-answer {
  max-height: 500px;
}

/* ========================================
   19. PROOF/SOCIAL PROOF
   ======================================== */

.proof-section {
  padding: var(--section-pad);
}

.proof-content {
  max-width: var(--content-max);
  margin: 0 auto;
}

.proof-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 2rem;
}

.proof-logo-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 1.5rem;
  align-items: center;
  justify-items: center;
}

.proof-logo {
  max-width: 160px;
  height: auto;
  filter: grayscale(100%);
  opacity: 0.7;
  transition: all 0.3s ease;
}

.proof-logo:hover {
  filter: grayscale(0%);
  opacity: 1;
}

.proof-quote {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 1.15rem;
  line-height: 1.6;
  margin-bottom: 1rem;
  color: var(--text);
}

.proof-quote-attr {
  font-size: 0.85rem;
  color: var(--text-muted);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

/* ========================================
   20. SERVICES WIDGET
   ======================================== */

.services-section {
  padding: var(--section-pad);
}

.services-header {
  text-align: center;
  margin-bottom: 1rem;
}

.services-header h2 {
  margin-bottom: 0.75rem;
}

.services-header-sub {
  font-size: clamp(1rem, 2vw, 1.15rem);
  color: var(--text-muted);
  max-width: 700px;
  margin: 0 auto;
  line-height: 1.6;
}

.services-content {
  max-width: var(--content-max);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2.5rem;
  align-items: start;
}

.services-detail {
  padding: 1.5rem 0;
}

.services-widget {
  background-color: var(--off-white);
  border-radius: var(--radius);
  overflow: hidden;
}

.service-tab {
  padding: 1.25rem 1.5rem;
  border-bottom: 1px solid var(--sand-dark);
  cursor: pointer;
  font-weight: 500;
  color: var(--text);
  transition: all 0.3s ease;
}

.service-tab:last-child {
  border-bottom: none;
}

.service-tab:hover {
  background-color: var(--sand);
  color: var(--accent);
}

.service-tab.active {
  background-color: var(--white);
  color: var(--accent);
  border-left: 4px solid var(--accent);
  padding-left: calc(1.5rem - 4px);
}

.service-panel {
  display: none;
  padding: 1.5rem;
  background-color: var(--white);
}

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

/* ========================================
   21. WHO WE SERVE CARDS
   ======================================== */

.who-section {
  padding: var(--section-pad);
}

.who-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 2rem;
  max-width: var(--content-max);
  margin: 0 auto;
}

.who-card {
  background-color: var(--white);
  padding: 2rem;
  border-radius: var(--radius);
  border: 1px solid var(--sand-dark);
  transition: all 0.3s ease;
}

.who-card:hover {
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.08);
  transform: translateY(-4px);
}

.who-card h3 {
  margin-bottom: 1rem;
}

.who-card p {
  color: var(--text-muted);
  line-height: 1.7;
}

/* ========================================
   22. MILESTONE GRID
   ======================================== */

.milestone-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
}

.milestone-card {
  text-align: center;
  padding: 2rem;
  background-color: var(--off-white);
  border-radius: var(--radius);
  transition: all 0.3s ease;
}

.milestone-card:hover {
  background-color: var(--sand);
  transform: translateY(-4px);
}

.milestone-card h3 {
  color: var(--accent);
  margin-bottom: 0.75rem;
}

.milestone-card p {
  color: var(--text-muted);
  font-size: 0.95rem;
}

/* (Footer variants removed -- consolidated into main footer block) */

/* ========================================
   24. CLOSING CTA
   ======================================== */

.closing-cta {
  width: 100%;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  color: var(--white);
  padding: var(--section-pad);
  text-align: center;
}

.closing-cta-inner {
  max-width: var(--content-max);
  margin: 0 auto;
}

.closing-cta h2 {
  margin-bottom: 1.5rem;
}

.closing-cta p {
  font-size: 1.05rem;
  margin-bottom: 2rem;
  color: var(--text-light);
  max-width: 700px;
  margin-left: auto;
  margin-right: auto;
}

.closing-cta-actions {
  display: flex;
  gap: 1.5rem;
  justify-content: center;
  flex-wrap: wrap;
}

/* ========================================
   25. MISC
   ======================================== */

.skip-link {
  position: absolute;
  top: -40px;
  left: 0;
  background-color: var(--accent);
  color: var(--white);
  padding: 0.5rem 1rem;
  z-index: 100;
  text-decoration: none;
  border-radius: var(--radius);
}

.skip-link:focus {
  top: 0;
}

.back-to-top {
  position: fixed;
  bottom: 2rem;
  left: 2rem;
  width: 48px;
  height: 48px;
  background-color: var(--accent);
  color: var(--white);
  border: none;
  border-radius: 50%;
  cursor: pointer;
  display: none;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  transition: all 0.3s ease;
  box-shadow: 0 4px 12px rgba(33, 160, 219, 0.4);
  z-index: 900;
}

.back-to-top.show {
  display: flex;
}

.back-to-top:hover {
  background-color: var(--accent-hover);
  box-shadow: 0 6px 20px rgba(33, 160, 219, 0.6);
  transform: scale(1.1);
}

.note {
  background-color: var(--accent-muted);
  color: var(--text);
  padding: 1rem 1.5rem;
  border-radius: var(--radius);
  font-size: 0.9rem;
  margin: 1.5rem 0;
}

.center {
  text-align: center;
}

.detail {
  font-size: 0.9rem;
  color: var(--text-muted);
}

.value {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 300;
  color: var(--accent);
}

.fade-in {
  animation: fadeInUp 0.8s ease-out forwards;
  opacity: 0;
}

.featured {
  position: relative;
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.12);
}

.featured::before {
  content: '';
  position: absolute;
  top: -12px;
  left: 50%;
  transform: translateX(-50%);
  background-color: var(--accent);
  color: var(--white);
  padding: 0.25rem 0.75rem;
  border-radius: 999px;
  font-size: 0.7rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.preview-card {
  background-color: var(--off-white);
  padding: 1.5rem;
  border-radius: var(--radius);
  border: 1px solid var(--sand-dark);
}

.preview-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
}

/* ========================================
   26. RESPONSIVE OVERRIDES
   ======================================== */

@media (max-width: 768px) {
  .hero-ctas {
    flex-direction: column;
  }

  .hero-ctas .btn {
    width: 100%;
  }

  .trust-items {
    gap: 1.5rem;
  }

  .trust-item {
    width: 100%;
    justify-content: center;
  }

  .services-tabs {
    overflow-x: auto;
    white-space: nowrap;
    margin-bottom: 1rem;
  }

  .tab-panel {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .grid-4,
  .grid-5 {
    grid-template-columns: 1fr;
  }

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

  .stat {
    padding: 1.5rem 0.5rem;
  }

  .services-content {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

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

  .proof-logo-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
  }

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

  .footer-top {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .closing-cta-actions {
    flex-direction: column;
  }

  .closing-cta-actions .btn {
    width: 100%;
  }

  .btn-group {
    flex-direction: column;
  }

  .btn-group .btn,
  .btn-group .btn-primary,
  .btn-group .btn-secondary,
  .btn-group .btn-outline,
  .btn-group .btn-outline-dark {
    width: 100%;
  }

  .hero-subtitle {
    font-size: 1rem;
  }

  .not-found-code {
    font-size: 6rem;
  }

  .milestone-grid {
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  }
}

/* ========================================
   Page Hero - Background Images
   ======================================== */

.page-hero {
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(10,22,40,0.82) 0%, rgba(0,81,117,0.65) 100%);
  z-index: 1;
}

.page-hero .section-content,
.page-hero .section-narrow,
.page-hero > div {
  position: relative;
  z-index: 2;
}

/* Hero image per page */
.page-hero.hero-bg-home       { background-image: url('images/hero-home.jpg'); }
.page-hero.hero-bg-families   { background-image: url('images/hero-families.jpg'); }
.page-hero.hero-bg-about      { background-image: url('images/hero-about.jpg'); }
.page-hero.hero-bg-planning   { background-image: url('images/hero-planning.jpg'); }
.page-hero.hero-bg-special    { background-image: url('images/hero-special-needs.jpg'); }
.page-hero.hero-bg-retirement { background-image: url('images/hero-retirement.jpg'); }
.page-hero.hero-bg-business   { background-image: url('images/todd-son-goat.jpeg'); }
.page-hero.hero-bg-veterans   { background-image: url('images/hero-veterans.jpg'); }
.page-hero.hero-bg-investments { background-image: url('images/bg-circle-of-wisdom.jpg'); }
.page-hero.hero-bg-blog       { background-image: url('images/hero-blog.jpg'); }
.page-hero.hero-bg-contact    { background-image: url('images/hero-contact.jpg'); }
.page-hero.hero-bg-getstarted { background-image: url('images/hero-get-started.jpg'); }
.page-hero.hero-bg-generic    { background-image: url('images/beach-sunset.jpg'); }

/* ========================================
   Card - No Icon (typography-only)
   ======================================== */

.card-no-icon {
  padding: 1.75rem;
  border-left: 3px solid var(--accent);
}

.card-no-icon h3 {
  font-size: 1.05rem;
  margin-bottom: 0.5rem;
}

.card-no-icon p {
  font-size: 0.9rem;
  line-height: 1.5;
}

.card-no-icon .card-link {
  margin-top: 0.75rem;
  display: inline-block;
  font-size: 0.85rem;
  color: var(--accent);
  font-weight: 500;
}

/* Grid-5 compact for Who We Serve */
.grid-5 {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.25rem;
}

@media (min-width: 900px) {
  .grid-5 {
    grid-template-columns: repeat(5, 1fr);
    gap: 1rem;
  }
}

/* ========================================
   Testimonial Carousel
   ======================================== */

.testimonial-carousel {
  position: relative;
  max-width: 900px;
  margin: 0 auto;
  overflow: hidden;
}

.testimonial-track {
  display: flex;
  transition: transform 0.5s ease;
}

.testimonial-slide {
  min-width: 100%;
  padding: 2rem;
}

.testimonial-quote {
  font-size: 1.1rem;
  line-height: 1.7;
  font-style: italic;
  color: var(--text-main);
  margin-bottom: 1.25rem;
  position: relative;
  padding-left: 1.5rem;
  border-left: 3px solid var(--accent);
}

.testimonial-author {
  font-size: 0.9rem;
  color: var(--text-muted);
  font-weight: 500;
}

.testimonial-nav {
  display: flex;
  justify-content: center;
  gap: 0.5rem;
  margin-top: 1.5rem;
}

.testimonial-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--sand-dark);
  border: none;
  cursor: pointer;
  padding: 0;
  transition: background 0.3s;
}

.testimonial-dot.active {
  background: var(--accent);
}

.testimonial-arrows {
  display: flex;
  justify-content: space-between;
  position: absolute;
  top: 50%;
  left: 0;
  right: 0;
  transform: translateY(-50%);
  pointer-events: none;
  padding: 0 0.5rem;
}

.testimonial-arrow {
  pointer-events: auto;
  background: var(--white);
  border: 1px solid var(--sand-dark);
  border-radius: 50%;
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  font-size: 1.2rem;
  color: var(--text-main);
  transition: all 0.3s;
  box-shadow: 0 2px 8px rgba(0,0,0,0.08);
}

.testimonial-arrow:hover {
  background: var(--accent);
  color: var(--white);
  border-color: var(--accent);
}

/* Video testimonial placeholder */
.testimonial-video {
  background: var(--navy-deep);
  border-radius: var(--radius);
  aspect-ratio: 16/9;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 0.9rem;
  cursor: pointer;
  position: relative;
  overflow: hidden;
}

.testimonial-video .play-btn {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: rgba(255,255,255,0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.3s;
}

.testimonial-video:hover .play-btn {
  background: var(--accent);
}

/* Tab panel without icon - full width text */
.tab-panel-full {
  display: none;
  padding: 2rem;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius);
}

.tab-panel-full.active {
  display: block;
}

/* Branded graphic section */
.branded-graphic {
  max-width: 100%;
  border-radius: var(--radius);
}

.branded-graphic.sketch {
  box-shadow: none;
  max-width: 360px;
}

.branded-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2.5rem;
  align-items: center;
}

@media (max-width: 768px) {
  .branded-section {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
}


/* ========================================
   Behavior Gap Sketch Sections
   ======================================== */

.bg-sketch {
  max-width: 340px;
  width: 100%;
  filter: none;
}

.sketch-band {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2.5rem;
  align-items: center;
  max-width: var(--content-max);
  margin: 0 auto;
}

.sketch-band.reverse {
  direction: rtl;
}

.sketch-band.reverse > * {
  direction: ltr;
}

.sketch-band-text {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.sketch-band-text h3 {
  font-size: 1.4rem;
  line-height: 1.3;
}

.sketch-band-text p {
  line-height: 1.7;
  color: var(--text-muted);
}

.sketch-band-img {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 2rem;
}

@media (max-width: 768px) {
  .sketch-band,
  .sketch-band.reverse {
    grid-template-columns: 1fr;
    gap: 2rem;
    direction: ltr;
  }
  .sketch-band-img {
    order: -1;
    padding: 1rem;
  }
  .bg-sketch {
    max-width: 260px;
  }
}

/* Full-width callout band */
.callout-band {
  text-align: center;
  padding: 3rem 2rem;
}

.callout-band .callout-number {
  font-family: var(--font-display);
  font-size: 3.5rem;
  font-weight: 700;
  line-height: 1.1;
  margin-bottom: 0.75rem;
}

.callout-band .callout-text {
  font-size: 1.05rem;
  line-height: 1.7;
  max-width: 650px;
  margin: 0 auto;
}

/* Alternating content rows */
.alt-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2.5rem;
  align-items: start;
  padding: 2rem 0;
  border-bottom: 1px solid var(--sand-dark);
}

.alt-row:last-child {
  border-bottom: none;
}

.alt-row.reverse {
  direction: rtl;
}

.alt-row.reverse > * {
  direction: ltr;
}

@media (max-width: 768px) {
  .alt-row,
  .alt-row.reverse {
    grid-template-columns: 1fr;
    direction: ltr;
  }
}

/* Duplicate .service-chips/.service-chip rules removed —
   primary definitions (dark-background) are in the What We Do section above. */

/* ========================================
   Accessibility
   ======================================== */

.skip-link {
  position: absolute;
  top: -100%;
  left: 50%;
  transform: translateX(-50%);
  background: var(--accent);
  color: var(--white);
  padding: 0.75rem 1.5rem;
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.9rem;
  z-index: 10000;
  text-decoration: none;
  transition: top 0.2s ease;
}
.skip-link:focus {
  top: 1rem;
  outline: 3px solid var(--accent);
  outline-offset: 2px;
}

:focus-visible {
  outline: 3px solid var(--accent);
  outline-offset: 2px;
}

:focus:not(:focus-visible) {
  outline: none;
}

.hamburger,
.nav-cta,
.btn,
.btn-primary,
.btn-ghost,
.btn-outline,
.btn-secondary,
.faq-question,
.tab-btn,
.floating-contact a {
  min-height: 48px;
  min-width: 48px;
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
  .reveal {
    opacity: 1;
    transform: none;
  }
}

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

@media (forced-colors: active) {
  .btn,
  .btn-primary,
  .btn-ghost,
  .btn-outline {
    border: 2px solid ButtonText;
  }
  .card {
    border: 1px solid CanvasText;
  }
}

@media print {
  .navbar,
  .hamburger,
  .floating-contact,
  .skip-link,
  footer {
    display: none !important;
  }
  body {
    background: white;
    color: black;
  }
  main {
    padding: 0;
  }
  a[href]::after {
    content: " (" attr(href) ")";
    font-size: 0.8em;
    color: #666;
  }
}

/* ========================================
   Special Needs Planning Page
   ======================================== */

.snp-keyword-strip {
  padding: clamp(2.5rem, 4vw, 3.5rem) var(--section-pad);
}

.snp-keywords {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.75rem 1.5rem;
  margin-top: 1.5rem;
}

.snp-keywords h3 {
  font-size: 0.85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--accent);
  margin: 0;
  padding: 0.5rem 1rem;
  border: 1px solid var(--accent-muted);
  border-radius: var(--radius);
  background: rgba(33, 160, 219, 0.04);
}

.navigator-callout,
.snp-ecosystem,
.snp-phases,
.snp-cta {
  padding: var(--section-pad);
}

.navigator-callout-inner {
  display: flex;
  align-items: center;
  gap: 2rem;
  background: var(--off-white);
  border-left: 4px solid var(--accent);
  border-radius: var(--radius);
  padding: 2rem 2.5rem;
  box-shadow: 0 8px 20px rgba(19, 35, 59, 0.06);
}

.navigator-callout-text {
  flex: 1;
}

.navigator-callout-text h2 {
  margin-top: 0.5rem;
}

.navigator-callout-text p {
  color: var(--text-muted);
}

.navigator-callout-cta {
  flex-shrink: 0;
}

@media (max-width: 640px) {
  .navigator-callout-inner {
    flex-direction: column;
    align-items: flex-start;
    padding: 1.5rem;
  }

  .navigator-callout-cta .btn {
    width: 100%;
    text-align: center;
  }
}

.ecosystem-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  align-items: start;
  margin-top: 1.5rem;
}

.ecosystem-text p {
  color: var(--text-muted);
}

.ecosystem-stat-card {
  background: var(--white);
  border: 1px solid var(--sand-dark);
  border-radius: var(--radius);
  padding: 1.75rem;
  box-shadow: 0 8px 20px rgba(19, 35, 59, 0.05);
}

.ecosystem-stat-card .stat-label {
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--accent);
  margin-bottom: 0.4rem;
}

.ecosystem-stat-card .stat-value {
  font-size: 1.25rem;
  font-weight: 700;
  margin-bottom: 0.75rem;
  color: var(--text);
}

.ecosystem-stat-card .stat-subtext {
  font-size: 0.92rem;
  color: var(--text-muted);
  line-height: 1.5;
}

@media (max-width: 768px) {
  .ecosystem-grid {
    grid-template-columns: 1fr;
  }
}

.snp-phases .section-subhead {
  color: var(--text-muted);
  font-size: 1.05rem;
  max-width: 68ch;
  margin-bottom: 2rem;
}

.phase-accordion {
  display: grid;
  gap: 0.75rem;
  margin-top: 2rem;
}

.phase-item {
  border: 1px solid var(--sand-dark);
  border-radius: var(--radius);
  background: var(--white);
  overflow: hidden;
  transition: border-color 180ms ease, box-shadow 180ms ease;
}

.phase-item[data-open="true"] {
  border-color: rgba(33, 160, 219, 0.4);
  box-shadow: 0 12px 28px rgba(19, 35, 59, 0.08);
}

.phase-trigger {
  width: 100%;
  text-align: left;
  padding: 1.25rem 1.5rem;
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 1rem;
  align-items: center;
  background: none;
  border: none;
  cursor: pointer;
}

.phase-trigger:hover .phase-title {
  color: var(--navy);
}

.phase-num {
  width: 2.2rem;
  height: 2.2rem;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--accent-muted);
  color: var(--accent);
  font-weight: 800;
  font-size: 0.85rem;
  flex-shrink: 0;
}

.phase-summary {
  display: grid;
  gap: 0.2rem;
}

.phase-label {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--warm-gray);
}

.phase-title {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text);
  line-height: 1.3;
}

.phase-chevron {
  font-size: 1.4rem;
  color: var(--warm-gray);
  transition: transform 180ms ease, color 180ms ease;
  line-height: 1;
}

.phase-item[data-open="true"] .phase-chevron {
  transform: rotate(45deg);
  color: var(--accent);
}

.phase-panel {
  max-height: 0;
  overflow: hidden;
  transition: max-height 240ms ease;
  border-top: 1px solid transparent;
}

.phase-item[data-open="true"] .phase-panel {
  border-top-color: var(--sand-dark);
}

.phase-panel-inner {
  padding: 1.25rem 1.5rem 1.5rem 4rem;
}

.phase-panel-inner p {
  color: var(--text-muted);
  font-size: 0.97rem;
  line-height: 1.6;
  margin-bottom: 1rem;
}

.phase-covers {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 0.5rem;
}

.phase-covers li {
  font-size: 0.9rem;
  color: var(--text-muted);
  padding-left: 1.2rem;
  position: relative;
}

.phase-covers li::before {
  content: "\2192";
  position: absolute;
  left: 0;
  color: var(--accent);
  font-size: 0.85rem;
}

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

  .phase-chevron {
    display: none;
  }

  .phase-panel-inner {
    padding-left: 1.5rem;
  }

  .snp-keywords {
    gap: 0.5rem;
  }

  .snp-keywords h3 {
    font-size: 0.75rem;
    padding: 0.4rem 0.75rem;
  }
}

.snp-cta .cta-inner {
  max-width: 72ch;
  background: var(--navy-deep);
  color: var(--white);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius);
  padding: clamp(1.6rem, 3vw, 2.4rem);
  box-shadow: 0 10px 24px rgba(10, 22, 40, 0.18);
}

.snp-cta .cta-inner p {
  color: var(--text-light);
}

.snp-cta .cta-actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-top: 1.75rem;
}

/* ========================================
   UMA Horizontal Tab Switcher
   ======================================== */

.uma-h {
  border: 1px solid var(--sand-dark);
  border-radius: var(--radius);
  overflow: hidden;
  background: var(--off-white);
}

.uma-h-tabs {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border-bottom: 1px solid var(--sand-dark);
  background: var(--sand);
}

.uma-h-tab {
  padding: 1rem 0.5rem;
  background: transparent;
  border: none;
  border-right: 1px solid var(--sand-dark);
  cursor: pointer;
  text-align: center;
  transition: background 0.2s ease, color 0.2s ease;
  font-family: var(--font-body);
}

.uma-h-tab:last-child {
  border-right: none;
}

.uma-h-tab:hover {
  background: rgba(0, 0, 0, 0.03);
}

.uma-h-tab.active {
  background: var(--navy);
}

.uma-h-tab-tag {
  display: block;
  font-size: 0.6rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 0.2rem;
}

.uma-h-tab-label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text);
  transition: color 0.2s ease;
}

.uma-h-tab.active .uma-h-tab-label {
  color: white;
}

.uma-h-panels {
  padding: 2.5rem 3rem;
}

.uma-h-panel {
  display: none;
}

.uma-h-panel.active {
  display: block;
}

.uma-h-panel h3 {
  font-size: 1.3rem;
  color: var(--navy);
  margin-bottom: 0.75rem;
  font-family: var(--font-display);
}

.uma-h-panel p {
  font-size: 0.9rem;
  line-height: 1.75;
  color: var(--text-muted);
  margin-bottom: 1.5rem;
  max-width: 680px;
}

.uma-details {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.6rem 1.5rem;
}

.uma-detail {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.5;
}

.uma-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--accent);
  margin-top: 0.35rem;
  flex-shrink: 0;
}

@media (max-width: 768px) {
  .uma-h-tabs {
    grid-template-columns: repeat(2, 1fr);
  }
  .uma-h-panels {
    padding: 1.5rem 1.25rem;
  }
  .uma-details {
    grid-template-columns: 1fr;
  }
}

/* ========================================
   IPS Ribbon
   ======================================== */

.ips-ribbon {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.85);
  padding: 1rem 2rem;
  font-size: 0.85rem;
  text-align: center;
  line-height: 1.5;
  font-family: var(--font-body);
}

.ips-ribbon strong {
  color: white;
  font-weight: 600;
}

/* ========================================
   Platform Stats (Farther section)
   ======================================== */

.platform-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  background: var(--navy);
  border-radius: var(--radius);
  overflow: hidden;
  text-align: center;
}

.platform-stat {
  padding: 1.75rem 1rem;
  border-right: 1px solid rgba(255, 255, 255, 0.08);
}

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

.platform-stat-value {
  font-family: var(--font-display);
  font-size: 2rem;
  color: var(--accent);
  margin-bottom: 0.25rem;
}

.platform-stat-label {
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.65);
  line-height: 1.4;
}

@media (max-width: 768px) {
  .platform-stats {
    grid-template-columns: repeat(2, 1fr);
  }
  .platform-stat:nth-child(2) {
    border-right: none;
  }
  .platform-stat:nth-child(1),
  .platform-stat:nth-child(2) {
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  }
}

/* ========================================
   FAQ Accordion (Investment Management)
   ======================================== */

.faq-item {
  border-bottom: 1px solid var(--sand-dark);
}

.faq-item:first-child {
  border-top: 1px solid var(--sand-dark);
}

.faq-toggle {
  display: flex;
  justify-content: space-between;
  align-items: center;
  width: 100%;
  padding: 1.25rem 0;
  background: transparent;
  border: none;
  cursor: pointer;
  text-align: left;
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
  transition: color 0.2s ease;
}

.faq-toggle:hover {
  color: var(--accent);
}

.faq-icon {
  font-size: 1.4rem;
  color: var(--accent);
  font-weight: 300;
  flex-shrink: 0;
  margin-left: 1rem;
  transition: transform 0.2s ease;
}

.faq-item.open .faq-icon {
  transform: rotate(45deg);
}

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

.faq-item.open .faq-answer {
  max-height: 300px;
  padding-bottom: 1.25rem;
}

.faq-answer p {
  font-size: 0.9rem;
  line-height: 1.7;
  color: var(--text-muted);
}