/* =============================================
   TOKENS
   ============================================= */
:root {
  --navy:       #0A1628;
  --navy-mid:   #112040;
  --navy-light: #1A2F50;
  --gold:       #C8A96E;
  --gold-dark:  #A88444;
  --gold-pale:  #EFE0C0;
  --white:      #FFFFFF;
  --off-white:  #F7F5F1;
  --stone:      #EEEBE4;
  --text:       #1C1C2E;
  --muted:      #6B7280;
  --border:     #E2DDD5;

  --font-head: 'Cormorant Garamond', Georgia, serif;
  --font-body: 'Inter', system-ui, sans-serif;

  --r-sm: 4px;
  --r-md: 8px;
  --r-lg: 16px;

  --shadow-sm: 0 1px 3px rgba(10,22,40,0.08);
  --shadow-md: 0 4px 20px rgba(10,22,40,0.10);
  --shadow-lg: 0 12px 48px rgba(10,22,40,0.16);

  --ease: cubic-bezier(0.22, 0.61, 0.36, 1);
}

/* =============================================
   RESET
   ============================================= */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.7;
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
input, button { font-family: inherit; font-size: inherit; }

/* =============================================
   UTILITIES
   ============================================= */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 2rem;
}

/* =============================================
   BUTTONS
   ============================================= */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.75rem 1.75rem;
  border-radius: var(--r-sm);
  font-family: var(--font-body);
  font-size: 0.875rem;
  font-weight: 500;
  letter-spacing: 0.03em;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all 0.2s var(--ease);
  white-space: nowrap;
}
.btn--lg { padding: 1rem 2.25rem; font-size: 0.9375rem; }
.btn--full { width: 100%; justify-content: center; }

.btn--gold {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.btn--gold:hover { background: var(--gold-dark); border-color: var(--gold-dark); }

.btn--ghost {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.35);
}
.btn--ghost:hover { background: rgba(255,255,255,0.08); border-color: rgba(255,255,255,0.6); }

.btn--outline-light {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.5);
}
.btn--outline-light:hover { background: rgba(255,255,255,0.1); border-color: var(--white); }

.btn--outline-dark {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn--outline-dark:hover { background: var(--navy); color: var(--white); }

.btn--outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--border);
}
.btn--outline:hover { border-color: var(--gold); color: var(--gold-dark); }

.btn--nav {
  background: transparent;
  color: var(--gold);
  border: 1.5px solid var(--gold);
  padding: 0.5rem 1.25rem;
  font-size: 0.8125rem;
}
.btn--nav:hover { background: var(--gold); color: var(--navy); }

/* =============================================
   TYPE HELPERS
   ============================================= */
.eyebrow {
  display: block;
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.75rem;
}
.eyebrow--light { color: var(--gold-pale); }

.section-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 4rem;
}
.section-header h2 {
  font-family: var(--font-head);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 600;
  line-height: 1.2;
  color: var(--navy);
  margin-bottom: 1rem;
}
.section-header p {
  font-size: 1.0625rem;
  color: var(--muted);
  line-height: 1.75;
}
.section-header--row {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  text-align: left;
  max-width: none;
  margin-bottom: 3rem;
}
.section-header--row h2 { margin-bottom: 0; }
.section-header--light h2 { color: var(--white); }
.section-header--light p { color: rgba(255,255,255,0.55); }

/* =============================================
   NAV
   ============================================= */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  transition: background 0.3s var(--ease), box-shadow 0.3s var(--ease);
}
.nav--scrolled {
  background: rgba(10, 22, 40, 0.88);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  box-shadow: 0 1px 0 rgba(200,169,110,0.12), 0 4px 32px rgba(10,22,40,0.3);
}
.nav__inner {
  display: flex;
  align-items: center;
  gap: 2rem;
  max-width: 1200px;
  margin: 0 auto;
  padding: 1.25rem 2rem;
}
.nav__logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-shrink: 0;
}
.nav__logo-mark {
  width: 38px; height: 38px;
  background: var(--gold);
  color: var(--navy);
  border-radius: var(--r-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-head);
  font-size: 1rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  flex-shrink: 0;
}
.nav__logo-name {
  font-family: var(--font-body);
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--white);
  line-height: 1.3;
  display: flex;
  flex-direction: column;
}
.nav__logo-name em {
  font-style: normal;
  color: var(--gold-pale);
  font-size: 0.7rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.nav__links {
  display: flex;
  align-items: center;
  gap: 0.25rem;
  margin-left: auto;
}
.nav__links li a:not(.btn) {
  color: rgba(255,255,255,0.78);
  font-size: 0.875rem;
  padding: 0.5rem 0.875rem;
  border-radius: var(--r-sm);
  transition: color 0.15s, background 0.15s;
}
.nav__links li a:not(.btn):hover { color: var(--white); background: rgba(255,255,255,0.07); }

.nav__toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  margin-left: auto;
}
.nav__toggle span {
  display: block;
  width: 24px; height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all 0.2s;
}

/* =============================================
   HERO
   ============================================= */
.hero__bg-img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.22;
  mix-blend-mode: luminosity;
  z-index: 0;
  pointer-events: none;
}

/* Step images */
.step__img {
  height: 160px;
  margin: -2.5rem -1.75rem 1.75rem;
  overflow: hidden;
  border-radius: var(--r-lg) var(--r-lg) 0 0;
}
.step__img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s var(--ease);
}
.step:hover .step__img img { transform: scale(1.05); }

/* Article cover image */
.art-cover {
  height: 420px;
  overflow: hidden;
  position: relative;
}
.art-cover img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.art-cover::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 120px;
  background: linear-gradient(to bottom, transparent, var(--white));
  pointer-events: none;
}

/* Photo credit */
.photo-credit {
  font-size: 0.7rem;
  color: rgba(255,255,255,0.25);
  text-align: right;
  padding: 0.25rem 0;
}
.photo-credit a { color: inherit; text-decoration: underline; }

.hero {
  min-height: 62vh;
  background: var(--navy);
  display: flex;
  flex-direction: column;
  justify-content: center;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 80% 60% at 70% 40%, rgba(200,169,110,0.07) 0%, transparent 60%),
    radial-gradient(ellipse 60% 80% at 20% 80%, rgba(26,47,80,0.8) 0%, transparent 50%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  top: -200px; right: -200px;
  width: 700px; height: 700px;
  border-radius: 50%;
  border: 1px solid rgba(200,169,110,0.08);
  pointer-events: none;
}
.hero__inner {
  position: relative;
  z-index: 1;
  max-width: 1200px;
  margin: 0 auto;
  padding: 6rem 2rem 3rem;
  max-width: 820px;
  padding-left: max(2rem, calc((100vw - 1200px) / 2 + 2rem));
}
.hero__eyebrow {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.5rem;
  display: flex;
  align-items: center;
  gap: 0.75rem;
}
.hero__eyebrow::before {
  content: '';
  display: block;
  width: 32px; height: 1px;
  background: var(--gold);
}
.hero__heading {
  font-family: var(--font-head);
  font-size: clamp(3rem, 7vw, 5.5rem);
  font-weight: 600;
  line-height: 1.08;
  color: var(--white);
  margin-bottom: 1.75rem;
  letter-spacing: -0.01em;
}
.hero__heading em {
  font-style: italic;
  color: var(--gold);
}
.hero__sub {
  font-size: clamp(1rem, 1.8vw, 1.125rem);
  color: rgba(255,255,255,0.65);
  line-height: 1.8;
  max-width: 580px;
  margin-bottom: 2.5rem;
}
.hero__actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 3rem;
}
.hero__trust {
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem;
}
.hero__trust-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.55);
}
.hero__trust-item svg { color: var(--gold); flex-shrink: 0; }

.hero__scroll {
  position: absolute;
  bottom: 2.5rem;
  left: max(2rem, calc((100vw - 1200px) / 2 + 2rem));
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 0.75rem;
  z-index: 1;
}
.hero__scroll span {
  font-size: 0.65rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.3);
  writing-mode: vertical-rl;
}
.hero__scroll-line {
  width: 1px;
  height: 48px;
  background: linear-gradient(to bottom, rgba(200,169,110,0.5), transparent);
  animation: scrollPulse 2s ease-in-out infinite;
}
@keyframes scrollPulse {
  0%, 100% { opacity: 0.3; transform: scaleY(1); }
  50% { opacity: 1; transform: scaleY(0.6); }
}

/* =============================================
   STATS
   ============================================= */
.stats {
  background: var(--navy-mid);
  border-top: 1px solid rgba(200,169,110,0.15);
  border-bottom: 1px solid rgba(200,169,110,0.15);
  padding: 3rem 0;
}
.stats__grid {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 2rem;
}
.stats__item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  flex: 1;
  min-width: 140px;
}
.stats__num {
  font-family: var(--font-head);
  font-size: clamp(2rem, 4vw, 2.75rem);
  font-weight: 600;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 0.5rem;
}
.stats__label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.5);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.stats__divider {
  width: 1px;
  height: 48px;
  background: rgba(200,169,110,0.2);
  flex-shrink: 0;
}

/* =============================================
   PROCESS
   ============================================= */
.process {
  padding: 6rem 0;
  background: var(--off-white);
}
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
}
.step {
  position: relative;
  padding: 2.5rem 1.75rem;
  background: var(--white);
  border-radius: var(--r-lg);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.25s var(--ease), transform 0.25s var(--ease);
}
.step:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.step::before {
  content: '';
  position: absolute;
  top: 0; left: 2rem;
  right: 2rem;
  height: 2px;
  background: linear-gradient(90deg, var(--gold), transparent);
  border-radius: 0 0 2px 2px;
}
.step__num {
  font-family: var(--font-head);
  font-size: 3.5rem;
  font-weight: 700;
  color: var(--stone);
  line-height: 1;
  margin-bottom: 1rem;
}
.step h3 {
  font-family: var(--font-head);
  font-size: 1.5rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.75rem;
}
.step p { font-size: 0.9375rem; color: var(--muted); line-height: 1.75; }

/* =============================================
   VALUE PROPS SPLIT
   ============================================= */
.split { display: grid; grid-template-columns: 1fr 1fr; }
.split__panel {
  padding: 6rem 4rem;
}
.split__panel--left { background: var(--navy); }
.split__panel--right { background: var(--navy-light); }
.split__content { max-width: 520px; }
.split__content h2 {
  font-family: var(--font-head);
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  font-weight: 600;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 1.75rem;
}
.split__content h2 em { font-style: italic; color: var(--gold); }
.check-list { margin-bottom: 2.5rem; display: flex; flex-direction: column; gap: 0.875rem; }
.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.9375rem;
  color: rgba(255,255,255,0.72);
  line-height: 1.6;
}
.check-list li::before {
  content: '';
  flex-shrink: 0;
  width: 18px; height: 18px;
  margin-top: 2px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23C8A96E' stroke-width='2.5'%3E%3Cpolyline points='20 6 9 17 4 12'%3E%3C/polyline%3E%3C/svg%3E") center/contain no-repeat;
}

/* =============================================
   CALCULATOR
   ============================================= */
.calc-section {
  padding: 6rem 0;
  background: var(--white);
}
.calc-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: start;
}
.calc-inputs {
  background: var(--off-white);
  border-radius: var(--r-lg);
  border: 1px solid var(--border);
  padding: 2.5rem;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}
.field { display: flex; flex-direction: column; gap: 0.5rem; }
.field label {
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--navy);
  letter-spacing: 0.01em;
}
.field input {
  height: 48px;
  padding: 0 1rem;
  border: 1.5px solid var(--border);
  border-radius: var(--r-md);
  background: var(--white);
  color: var(--text);
  font-size: 0.9375rem;
  transition: border-color 0.15s;
  outline: none;
  width: 100%;
}
.field input:focus { border-color: var(--gold); }
.field input::placeholder { color: var(--muted); }
.calc-disclaimer {
  font-size: 0.75rem;
  color: var(--muted);
  text-align: center;
  line-height: 1.5;
}

/* Calculator tabs */
.calc-tabs {
  display: flex;
  gap: 0.5rem;
  margin-bottom: 2.5rem;
  border-bottom: 2px solid var(--border);
  padding-bottom: 0;
}
.calc-tab {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.875rem 1.5rem;
  border: none;
  background: none;
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--muted);
  cursor: pointer;
  border-bottom: 2px solid transparent;
  margin-bottom: -2px;
  transition: color 0.15s, border-color 0.15s;
}
.calc-tab:hover { color: var(--navy); }
.calc-tab.active { color: var(--navy); border-bottom-color: var(--gold); }
.calc-panel { display: block; }
.calc-panel.hidden { display: none; }

.field-hint {
  font-size: 0.75rem;
  color: var(--muted);
  margin-top: 0.25rem;
}

/* Results panel */
.calc-results { min-height: 400px; }
.calc-placeholder {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  gap: 1.25rem;
  padding: 4rem 2rem;
  background: var(--off-white);
  border-radius: var(--r-lg);
  border: 2px dashed var(--border);
  height: 100%;
  color: var(--muted);
}
.calc-placeholder__icon { color: var(--gold); opacity: 0.5; }
.calc-placeholder p { font-size: 0.9375rem; max-width: 280px; line-height: 1.65; }
.calc-placeholder strong { color: var(--navy); }
.calc-placeholder.hidden { display: none; }

.results-inner {
  position: relative;
  border-radius: var(--r-lg);
  overflow: hidden;
  border: 1px solid var(--border);
}
.results-inner.hidden { display: none; }

.results-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  filter: blur(8px);
  transition: filter 0.5s var(--ease);
}
.results-grid.revealed { filter: none; }

.result-card {
  padding: 1.75rem;
  border-bottom: 1px solid var(--border);
  border-right: 1px solid var(--border);
  display: flex;
  flex-direction: column;
  gap: 0.375rem;
}
.result-card:nth-child(even) { border-right: none; }
.result-card:nth-last-child(-n+2) { border-bottom: none; }
.result-card--highlight { background: var(--navy); }
.result-card--highlight .result-label { color: rgba(255,255,255,0.5); }
.result-card--highlight .result-value { color: var(--gold); }
.result-label {
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--muted);
}
.result-value {
  font-family: var(--font-head);
  font-size: 2rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1;
}

/* Email gate */
.email-gate {
  position: absolute;
  inset: 0;
  background: rgba(10,22,40,0.82);
  backdrop-filter: blur(3px);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 2rem;
  transition: opacity 0.3s var(--ease);
}
.email-gate.hidden { display: none; }
.email-gate__inner {
  text-align: center;
  color: var(--white);
  max-width: 360px;
}
.email-gate__lock {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 56px; height: 56px;
  background: rgba(200,169,110,0.15);
  border-radius: 50%;
  color: var(--gold);
  margin: 0 auto 1.25rem;
}
.email-gate__inner h3 {
  font-family: var(--font-head);
  font-size: 1.625rem;
  font-weight: 600;
  margin-bottom: 0.5rem;
}
.email-gate__inner p {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.65);
  line-height: 1.65;
  margin-bottom: 1.5rem;
}
.email-gate__form {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  margin-bottom: 0.75rem;
}
.email-gate__form input {
  height: 48px;
  padding: 0 1rem;
  border-radius: var(--r-md);
  border: 1.5px solid rgba(255,255,255,0.2);
  background: rgba(255,255,255,0.07);
  color: var(--white);
  font-size: 0.9375rem;
  outline: none;
  transition: border-color 0.15s;
  width: 100%;
}
.email-gate__form input::placeholder { color: rgba(255,255,255,0.4); }
.email-gate__form input:focus { border-color: var(--gold); }
.email-gate__form .btn { width: 100%; justify-content: center; }
.email-gate__note { font-size: 0.75rem; color: rgba(255,255,255,0.35); }

/* =============================================
   INSIGHTS
   ============================================= */
.insights {
  padding: 6rem 0;
  background: var(--off-white);
}
.articles {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
}
.article-card {
  background: var(--white);
  border-radius: var(--r-lg);
  border: 1px solid var(--border);
  padding: 2.25rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  transition: box-shadow 0.25s var(--ease), transform 0.25s var(--ease);
  cursor: pointer;
}
.article-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.article-tag {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold-dark);
  background: var(--gold-pale);
  padding: 0.25rem 0.625rem;
  border-radius: 100px;
  align-self: flex-start;
}
.article-card h3 {
  font-family: var(--font-head);
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.35;
}
.article-card p { font-size: 0.9rem; color: var(--muted); line-height: 1.7; flex: 1; }
.article-read {
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--gold-dark);
  margin-top: 0.5rem;
  transition: gap 0.15s;
}
.article-card:hover .article-read { letter-spacing: 0.02em; }

/* =============================================
   CTA BAND
   ============================================= */
.cta-band {
  background: var(--navy);
  padding: 6rem 0;
  position: relative;
  overflow: hidden;
}
.cta-band::before {
  content: '';
  position: absolute;
  top: -150px; right: -150px;
  width: 500px; height: 500px;
  border-radius: 50%;
  border: 1px solid rgba(200,169,110,0.06);
  pointer-events: none;
}
.cta-band__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 4rem;
  flex-wrap: wrap;
}
.cta-band__text { flex: 1; min-width: 280px; }
.cta-band__text h2 {
  font-family: var(--font-head);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 600;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 1rem;
}
.cta-band__text p { font-size: 1rem; color: rgba(255,255,255,0.6); max-width: 520px; line-height: 1.75; }
.cta-band__actions { display: flex; flex-direction: column; gap: 0.875rem; flex-shrink: 0; }

/* =============================================
   FOOTER
   ============================================= */
.footer {
  background: #060E1A;
  padding: 5rem 0 3rem;
  border-top: 1px solid rgba(200,169,110,0.12);
}
.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 4rem;
}
.footer__brand .nav__logo { margin-bottom: 1rem; }
.footer__brand p { font-size: 0.875rem; color: rgba(255,255,255,0.4); line-height: 1.7; max-width: 280px; margin-bottom: 1rem; }
.footer__email { font-size: 0.875rem; color: var(--gold); }
.footer__email:hover { color: var(--white); }
.footer__col h4 {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  margin-bottom: 1.25rem;
}
.footer__col ul { display: flex; flex-direction: column; gap: 0.625rem; }
.footer__col ul li a {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.5);
  transition: color 0.15s;
}
.footer__col ul li a:hover { color: var(--white); }
.footer__bottom {
  padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,0.06);
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}
.footer__bottom > p:first-child { font-size: 0.8125rem; color: rgba(255,255,255,0.3); }
.footer__legal { font-size: 0.75rem; color: rgba(255,255,255,0.2); line-height: 1.7; max-width: 780px; }

/* Logo on dark bg */
.nav__logo--footer .nav__logo-name { color: var(--white); }

/* =============================================
   GRAIN TEXTURE OVERLAY
   ============================================= */
body::before {
  content: '';
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: 9999;
  opacity: 0.028;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
  background-repeat: repeat;
  background-size: 200px 200px;
}

/* =============================================
   SCROLL REVEAL
   ============================================= */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.7s var(--ease), transform 0.7s var(--ease);
}
.reveal.visible {
  opacity: 1;
  transform: none;
}
.reveal-d1 { transition-delay: 0.12s; }
.reveal-d2 { transition-delay: 0.24s; }
.reveal-d3 { transition-delay: 0.36s; }

/* =============================================
   INVESTMENT TYPES
   ============================================= */
.inv-types {
  background: var(--navy);
  padding: 6rem 0;
  position: relative;
  overflow: hidden;
}
.inv-types::before {
  content: '';
  position: absolute;
  bottom: -150px; left: -150px;
  width: 500px; height: 500px;
  border-radius: 50%;
  border: 1px solid rgba(200,169,110,0.06);
  pointer-events: none;
}
.inv-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.inv-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(200,169,110,0.18);
  border-radius: var(--r-lg);
  padding: 2.25rem;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  transition: border-color 0.25s var(--ease), background 0.25s var(--ease);
  position: relative;
  overflow: hidden;
}
.inv-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 2px;
  background: linear-gradient(90deg, var(--gold), transparent);
}
.inv-card:hover {
  border-color: rgba(200,169,110,0.4);
  background: rgba(255,255,255,0.06);
}
.inv-card__icon {
  width: 48px; height: 48px;
  border-radius: var(--r-md);
  background: rgba(200,169,110,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  flex-shrink: 0;
}
.inv-card h3 {
  font-family: var(--font-head);
  font-size: 1.5rem;
  font-weight: 600;
  color: var(--white);
  line-height: 1.2;
}
.inv-card p {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.75;
  flex: 1;
}
.inv-card__metrics {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  border: 1px solid rgba(200,169,110,0.15);
  border-radius: var(--r-md);
  overflow: hidden;
}
.inv-card__metric {
  padding: 0.875rem 0.5rem;
  text-align: center;
  border-right: 1px solid rgba(200,169,110,0.15);
}
.inv-card__metric:last-child { border-right: none; }
.inv-card__metric-val {
  display: block;
  font-family: var(--font-head);
  font-size: 1.125rem;
  font-weight: 600;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 0.25rem;
}
.inv-card__metric-label {
  font-size: 0.65rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.4);
}

/* =============================================
   TESTIMONIALS
   ============================================= */
.testimonials {
  padding: 6rem 0;
  background: var(--off-white);
}
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
}
.testimonial-card {
  background: var(--white);
  border-radius: var(--r-lg);
  border: 1px solid var(--border);
  padding: 2.25rem;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  transition: box-shadow 0.25s var(--ease), transform 0.25s var(--ease);
}
.testimonial-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.testimonial-stars { color: var(--gold); font-size: 1rem; letter-spacing: 0.1em; }
.testimonial-quote {
  font-family: var(--font-head);
  font-size: 1.0625rem;
  font-style: italic;
  color: var(--navy);
  line-height: 1.7;
  flex: 1;
  position: relative;
  padding-left: 1.5rem;
}
.testimonial-quote::before {
  content: '\201C';
  position: absolute;
  left: 0; top: -0.5rem;
  font-size: 3rem;
  color: var(--gold);
  line-height: 1;
  font-style: normal;
  opacity: 0.6;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 0.875rem;
  padding-top: 1.25rem;
  border-top: 1px solid var(--border);
}
.testimonial-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-head);
  font-size: 1rem;
  font-weight: 600;
  flex-shrink: 0;
}
.testimonial-name {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.3;
}
.testimonial-role { font-size: 0.8rem; color: var(--muted); }

/* =============================================
   FAQ
   ============================================= */
.faq {
  padding: 6rem 0;
  background: var(--white);
}
.faq__inner {
  max-width: 800px;
  margin: 0 auto;
}
.faq__item { border-bottom: 1px solid var(--border); }
.faq__item:first-of-type { border-top: 1px solid var(--border); }
.faq__item summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  padding: 1.5rem 0;
  cursor: pointer;
  list-style: none;
  font-family: var(--font-head);
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--navy);
  transition: color 0.15s;
}
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary::marker { display: none; }
.faq__item summary:hover { color: var(--gold-dark); }
.faq__icon {
  flex-shrink: 0;
  width: 28px; height: 28px;
  border-radius: 50%;
  border: 1.5px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 1.25rem;
  font-weight: 300;
  line-height: 1;
  transition: all 0.2s var(--ease);
  user-select: none;
}
.faq__item[open] > summary .faq__icon {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
  transform: rotate(45deg);
}
.faq__body {
  padding: 0 2rem 1.75rem 0;
  font-size: 0.9375rem;
  color: var(--muted);
  line-height: 1.8;
}

/* =============================================
   RESPONSIVE
   ============================================= */
@media (max-width: 1024px) {
  .steps { grid-template-columns: repeat(2, 1fr); }
  .footer__grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .nav__links {
    display: none;
    position: fixed;
    top: 0; left: 0; right: 0; bottom: 0;
    background: var(--navy);
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 1.5rem;
    z-index: 99;
  }
  .nav__links.open { display: flex; }
  .nav__links li a:not(.btn) { font-size: 1.25rem; }
  .nav__toggle { display: flex; z-index: 100; }

  .section-header--row { flex-direction: column; align-items: flex-start; gap: 1rem; }

  .split { grid-template-columns: 1fr; }
  .split__panel { padding: 4rem 2rem; }

  .calc-wrap { grid-template-columns: 1fr; }

  .articles { grid-template-columns: 1fr; }
  .inv-cards { grid-template-columns: 1fr; }
  .testimonial-grid { grid-template-columns: 1fr; }

  .cta-band__inner { flex-direction: column; text-align: center; }
  .cta-band__actions { width: 100%; }
  .cta-band__actions .btn { width: 100%; justify-content: center; }

  .footer__grid { grid-template-columns: 1fr 1fr; }
  .footer__brand { grid-column: 1 / -1; }

  .hero__inner { padding-top: 8rem; padding-bottom: 4rem; padding-left: 2rem; }
  .hero__scroll { display: none; }

  .stats__divider { display: none; }
  .stats__grid { justify-content: center; gap: 2.5rem; }
}

@media (max-width: 480px) {
  .steps { grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr; }
  .results-grid { grid-template-columns: 1fr; }
  .result-card { border-right: none !important; }
  .result-card:last-child { border-bottom: none !important; }
  .result-card:nth-last-child(-n+2) { border-bottom: 1px solid var(--border) !important; }
  .result-card:last-child { border-bottom: none !important; }
}