/* AMS Capital Solutions, shared styles. */

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

:root {
  --navy: #1B3A5C;
  --navy-dark: #0E1F38;
  --navy-deep: #091628;
  --gold: #C9A84C;
  --gold-light: #D4B96A;
  --gold-pale: #F5EDD6;
  --white: #FFFFFF;
  --off-white: #F8F7F4;
  --warm-gray: #F2F0EB;
  --light-gray: #E8E6E1;
  --text-dark: #1A1A1A;
  --text-medium: #4A4A4A;
  --text-light: #6B6B6B;
  --blue-accent: #6B9CC3;
  --success: #2E7D32;
  --warning: #E67E22;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

/* UTILITY */
.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
.section-label {
  font-size: 0.75rem; font-weight: 700;
  letter-spacing: 0.15em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 12px;
}
.section-title {
  font-family: 'Playfair Display', serif;
  font-size: 2.5rem; font-weight: 700;
  color: var(--navy); line-height: 1.15; margin-bottom: 18px;
  letter-spacing: -0.01em;
}
.section-subtitle {
  font-size: 1.05rem; color: var(--text-medium);
  max-width: 620px; line-height: 1.7;
}

/* Scroll reveal */
.reveal {
  opacity: 0; transform: translateY(28px);
  transition: opacity 0.7s cubic-bezier(0.22, 1, 0.36, 1), transform 0.7s cubic-bezier(0.22, 1, 0.36, 1);
}
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-delay-1 { transition-delay: 0.08s; }
.reveal-delay-2 { transition-delay: 0.16s; }
.reveal-delay-3 { transition-delay: 0.24s; }
.reveal-delay-4 { transition-delay: 0.32s; }

/* NAV with mega-menu */
.nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: rgba(14, 31, 56, 0.97);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  transition: box-shadow 0.3s, background 0.3s;
}
.nav.scrolled {
  box-shadow: 0 2px 32px rgba(0,0,0,0.25);
  background: rgba(9, 22, 40, 0.99);
}
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  max-width: 1160px; margin: 0 auto; padding: 0 24px;
  height: 70px;
}
.nav-logo {
  font-family: 'Playfair Display', serif;
  font-size: 1.2rem; font-weight: 700; color: var(--white);
  text-decoration: none; display: flex; align-items: center; gap: 10px;
}
.nav-logo .logo-icon { width: 34px; height: 34px; }
.nav-logo .logo-icon svg { width: 100%; height: 100%; }
.nav-logo span em { font-style: normal; color: var(--gold); }
.nav-links { display: flex; align-items: center; gap: 30px; list-style: none; }
.nav-links > li { position: relative; }
.nav-links a {
  color: rgba(255,255,255,0.72); text-decoration: none;
  font-size: 0.82rem; font-weight: 500; letter-spacing: 0.02em;
  transition: color 0.2s; position: relative;
  display: inline-flex; align-items: center; gap: 5px;
}
.nav-links > li > a::after {
  content: ''; position: absolute; bottom: -5px; left: 0;
  width: 0; height: 1.5px; background: var(--gold);
  transition: width 0.25s;
}
.nav-links > li > a:hover { color: var(--white); }
.nav-links > li > a:hover::after { width: 100%; }
.nav-cta {
  background: var(--gold) !important; color: var(--navy-dark) !important;
  padding: 10px 22px !important; border-radius: 6px; font-weight: 700 !important;
  transition: background 0.2s, transform 0.15s;
}
.nav-cta::after { display: none !important; }
.nav-cta:hover { background: var(--gold-light) !important; transform: translateY(-1px); }

.nav-caret {
  width: 10px; height: 10px;
  stroke: currentColor; fill: none; stroke-width: 2.4;
  stroke-linecap: round; stroke-linejoin: round;
  transition: transform 0.2s;
}
.has-megamenu:hover .nav-caret { transform: rotate(180deg); }

/* Mega-menu dropdown */
.megamenu {
  position: absolute; top: calc(100% + 12px); left: 50%;
  transform: translateX(-50%) translateY(8px);
  width: min(900px, calc(100vw - 48px));
  background: var(--white);
  border-radius: 14px;
  box-shadow: 0 20px 60px rgba(9, 22, 40, 0.25);
  border: 1px solid var(--light-gray);
  padding: 32px;
  display: grid; grid-template-columns: 1.1fr 1fr 1fr 1.1fr; gap: 32px;
  opacity: 0; pointer-events: none;
  transition: opacity 0.25s, transform 0.25s;
}
.has-megamenu:hover .megamenu,
.has-megamenu:focus-within .megamenu {
  opacity: 1; pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}
.megamenu::before {
  content: ''; position: absolute; top: -8px;
  left: 50%; transform: translateX(-50%);
  width: 16px; height: 16px; background: var(--white);
  border-left: 1px solid var(--light-gray);
  border-top: 1px solid var(--light-gray);
  rotate: 45deg;
}
.megamenu-col h4 {
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--gold);
  margin-bottom: 14px;
}
.megamenu-col ul { list-style: none; }
.megamenu-col li { margin-bottom: 8px; }
.megamenu-col a {
  color: var(--navy) !important;
  font-size: 0.88rem !important; font-weight: 500 !important;
  display: block !important; padding: 6px 0;
  letter-spacing: 0 !important;
}
.megamenu-col a::after { display: none !important; }
.megamenu-col a:hover { color: var(--gold) !important; }
.megamenu-promo {
  background: linear-gradient(135deg, var(--navy), var(--navy-dark));
  border-radius: 10px; padding: 22px; color: var(--white);
}
.megamenu-promo .promo-label {
  font-size: 0.7rem; font-weight: 700; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--gold); margin-bottom: 10px;
}
.megamenu-promo h5 {
  font-family: 'Playfair Display', serif;
  font-size: 1.1rem; font-weight: 700; color: var(--white);
  margin-bottom: 8px; line-height: 1.3;
}
.megamenu-promo p {
  font-size: 0.82rem; color: rgba(255,255,255,0.6);
  margin-bottom: 14px; line-height: 1.55;
}
.megamenu-promo a {
  display: inline-flex !important; align-items: center; gap: 6px;
  background: var(--gold) !important; color: var(--navy-dark) !important;
  padding: 8px 16px !important; border-radius: 6px;
  font-size: 0.82rem !important; font-weight: 700 !important;
}
.megamenu-promo a:hover { background: var(--gold-light) !important; color: var(--navy-dark) !important; }
.megamenu-promo a svg { width: 12px; height: 12px; }

.mobile-toggle {
  display: none; background: none; border: none; cursor: pointer;
  width: 28px; height: 20px; position: relative; z-index: 110;
}
.mobile-toggle span {
  display: block; position: absolute; height: 2px; width: 100%; background: var(--white);
  border-radius: 2px; transition: 0.3s; left: 0;
}
.mobile-toggle span:nth-child(1) { top: 0; }
.mobile-toggle span:nth-child(2) { top: 9px; }
.mobile-toggle span:nth-child(3) { top: 18px; }
.mobile-toggle.active span:nth-child(1) { top: 9px; transform: rotate(45deg); }
.mobile-toggle.active span:nth-child(2) { opacity: 0; }
.mobile-toggle.active span:nth-child(3) { top: 9px; transform: rotate(-45deg); }

/* Buttons (shared) */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 15px 30px; border-radius: 8px;
  font-size: 0.95rem; font-weight: 700;
  text-decoration: none; border: none; cursor: pointer;
  transition: all 0.25s;
  font-family: 'Inter', sans-serif;
}
.btn-gold {
  background: var(--gold); color: var(--navy-dark);
  box-shadow: 0 4px 20px rgba(201,168,76,0.28);
}
.btn-gold:hover { background: var(--gold-light); transform: translateY(-2px); box-shadow: 0 8px 32px rgba(201,168,76,0.38); }
.btn-outline {
  background: transparent; color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.28);
}
.btn-outline:hover { border-color: rgba(255,255,255,0.55); background: rgba(255,255,255,0.04); }
.btn-outline-dark {
  background: transparent; color: var(--navy);
  border: 1.5px solid var(--light-gray);
}
.btn-outline-dark:hover { border-color: var(--navy); background: var(--off-white); }
.btn svg { width: 16px; height: 16px; }

/* HERO */
.hero {
  position: relative; min-height: 100vh;
  display: flex; align-items: center;
  background: linear-gradient(160deg, var(--navy-deep) 0%, var(--navy) 40%, #264D73 100%);
  overflow: hidden; padding-top: 70px;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 70% 50% at 75% 35%, rgba(201,168,76,0.08) 0%, transparent 70%),
    radial-gradient(ellipse 40% 70% at 15% 75%, rgba(107,156,195,0.06) 0%, transparent 60%);
}
.hero-grid {
  position: absolute; inset: 0; opacity: 0.025;
  background-image:
    linear-gradient(rgba(255,255,255,0.4) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.4) 1px, transparent 1px);
  background-size: 72px 72px;
}
.hero-accent {
  position: absolute; right: -10%; top: 10%;
  width: 600px; height: 600px; border-radius: 50%;
  border: 1px solid rgba(201,168,76,0.06);
  animation: float 22s ease-in-out infinite;
}
.hero-accent:nth-child(2) {
  right: -5%; top: 20%; width: 400px; height: 400px;
  border-color: rgba(107,156,195,0.05);
  animation-delay: -7s; animation-duration: 26s;
}
@keyframes float {
  0%, 100% { transform: translate(0, 0); }
  50% { transform: translate(-22px, 22px); }
}
.hero .container { position: relative; z-index: 2; }
.hero-layout {
  display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 64px; align-items: center;
}
.hero-content { max-width: 580px; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(201,168,76,0.1); border: 1px solid rgba(201,168,76,0.2);
  border-radius: 100px; padding: 6px 16px; margin-bottom: 26px;
  font-size: 0.78rem; font-weight: 600; color: var(--gold);
  letter-spacing: 0.04em;
}
.hero-badge::before {
  content: ''; width: 6px; height: 6px; border-radius: 50%;
  background: var(--gold); animation: pulse 2s ease-in-out infinite;
}
@keyframes pulse { 0%, 100% { opacity: 1; } 50% { opacity: 0.35; } }
.hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.4rem, 4.8vw, 3.8rem);
  font-weight: 800; color: var(--white);
  line-height: 1.08; margin-bottom: 22px;
  letter-spacing: -0.015em;
}
.hero h1 .gold { color: var(--gold); }
.hero-sub {
  font-size: 1.12rem; color: rgba(255,255,255,0.68);
  line-height: 1.7; margin-bottom: 38px; max-width: 510px;
}
.hero-buttons { display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }

/* Hero capability card */
.hero-right { display: flex; justify-content: center; }
.hero-card {
  background: rgba(255,255,255,0.04);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 20px; padding: 38px 36px;
  max-width: 400px; width: 100%;
}
.hero-card-title {
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.15em;
  text-transform: uppercase; color: var(--gold); margin-bottom: 8px;
}
.hero-card-heading {
  font-family: 'Playfair Display', serif;
  font-size: 1.35rem; font-weight: 700; color: var(--white);
  margin-bottom: 22px; line-height: 1.3;
}
.hero-fund-row {
  display: flex; align-items: center; gap: 16px;
  padding: 14px 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.hero-fund-row:last-of-type { border-bottom: none; padding-bottom: 0; }
.hero-fund-row:first-of-type { padding-top: 4px; }
.fund-icon {
  width: 40px; height: 40px; border-radius: 10px;
  background: rgba(201,168,76,0.1);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.fund-icon svg { width: 20px; height: 20px; stroke: var(--gold); fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.fund-label {
  font-size: 0.95rem; color: var(--white); font-weight: 600; line-height: 1.3;
}
.fund-sub {
  font-size: 0.78rem; color: rgba(255,255,255,0.5);
  margin-top: 2px; font-weight: 400;
}
.hero-card-footer {
  margin-top: 24px; padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,0.08);
  font-size: 0.82rem; color: rgba(255,255,255,0.5);
  text-align: center;
}
.hero-card-footer strong { color: var(--gold); }

/* TRUST BAR */
.trust-bar {
  background: var(--navy-dark);
  padding: 22px 0;
  border-top: 1px solid rgba(201,168,76,0.1);
  border-bottom: 1px solid rgba(201,168,76,0.1);
}
.trust-items {
  display: flex; justify-content: space-around; gap: 32px; flex-wrap: wrap;
}
.trust-item {
  display: flex; align-items: center; gap: 12px;
  font-size: 0.92rem; font-weight: 600; color: rgba(255,255,255,0.8);
}
.trust-item svg { width: 20px; height: 20px; stroke: var(--gold); fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }

/* VALUE PROPS */
.value { padding: 110px 0; background: var(--white); }
.value-header { text-align: center; margin-bottom: 64px; }
.value-header .section-subtitle { margin: 0 auto; }
.value-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.value-card {
  background: var(--off-white); border-radius: 16px; padding: 34px 26px;
  border: 1px solid transparent;
  transition: all 0.35s cubic-bezier(0.22, 1, 0.36, 1);
  position: relative; overflow: hidden;
}
.value-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  opacity: 0; transition: opacity 0.3s;
}
.value-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 48px rgba(27,58,92,0.1);
  border-color: var(--light-gray);
}
.value-card:hover::before { opacity: 1; }
.value-icon {
  width: 52px; height: 52px; border-radius: 12px;
  background: linear-gradient(135deg, var(--navy), var(--navy-dark));
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 22px;
}
.value-icon svg { width: 22px; height: 22px; stroke: var(--gold); fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.value-card h3 {
  font-size: 1.05rem; font-weight: 700;
  color: var(--navy); margin-bottom: 10px;
}
.value-card p { font-size: 0.88rem; color: var(--text-medium); line-height: 1.65; }

/* WHO WE LEND TO */
.borrowers { padding: 110px 0; background: var(--off-white); }
.borrowers-header { text-align: center; margin-bottom: 60px; }
.borrowers-header .section-subtitle { margin: 0 auto; }
.borrowers-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.borrower-card {
  background: var(--white); border-radius: 16px; padding: 38px 28px;
  border: 1px solid var(--light-gray);
  transition: all 0.3s; text-align: center;
}
.borrower-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 40px rgba(27,58,92,0.08);
  border-color: var(--gold);
}
.borrower-icon {
  width: 66px; height: 66px; border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-dark));
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 22px;
}
.borrower-icon svg { width: 28px; height: 28px; stroke: var(--gold); fill: none; stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; }
.borrower-card h3 { font-size: 1.08rem; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.borrower-card p { font-size: 0.9rem; color: var(--text-medium); line-height: 1.65; }

/* HOW IT WORKS */
.how { padding: 110px 0; background: var(--white); }
.how-header { text-align: center; margin-bottom: 70px; }
.how-header .section-subtitle { margin: 0 auto; }
.how-steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; position: relative; }
.how-steps::before {
  content: ''; position: absolute;
  top: 48px; left: calc(16.66% + 24px); right: calc(16.66% + 24px);
  height: 2px;
  background: linear-gradient(90deg, var(--gold), var(--blue-accent), var(--gold));
  opacity: 0.2;
}
.how-step { text-align: center; position: relative; }
.step-num {
  width: 96px; height: 96px; border-radius: 50%;
  background: linear-gradient(150deg, var(--navy), var(--navy-dark));
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 26px; position: relative; z-index: 2;
  box-shadow: 0 8px 28px rgba(27,58,92,0.18);
}
.step-num-inner {
  font-family: 'Playfair Display', serif;
  font-size: 2rem; font-weight: 700; color: var(--gold);
}
.how-step h3 { font-size: 1.08rem; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.how-step p { font-size: 0.9rem; color: var(--text-medium); line-height: 1.65; max-width: 290px; margin: 0 auto; }

/* LOAN PRODUCTS GRID */
.products { padding: 110px 0; background: var(--navy-dark); color: var(--white); position: relative; overflow: hidden; }
.products::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 60% 50% at 50% 100%, rgba(201,168,76,0.04) 0%, transparent 70%);
}
.products .container { position: relative; z-index: 2; }
.products-header { text-align: center; margin-bottom: 60px; }
.products .section-title { color: var(--white); }
.products .section-subtitle { color: rgba(255,255,255,0.6); margin: 0 auto; }
.products-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.product-item {
  display: flex; align-items: flex-start; gap: 16px;
  padding: 22px 24px; border-radius: 12px;
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.05);
  transition: all 0.3s;
  text-decoration: none; color: inherit;
}
.product-item:hover {
  background: rgba(201,168,76,0.06);
  border-color: rgba(201,168,76,0.2);
  transform: translateX(4px);
}
.product-icon {
  width: 42px; height: 42px; border-radius: 10px;
  background: rgba(201,168,76,0.1);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.product-icon svg { width: 20px; height: 20px; stroke: var(--gold); fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.product-item h4 { font-size: 0.96rem; font-weight: 700; color: var(--white); margin-bottom: 5px; }
.product-item p { font-size: 0.82rem; color: rgba(255,255,255,0.55); line-height: 1.55; }
.product-item .arrow {
  margin-left: auto; align-self: center; opacity: 0; transform: translateX(-4px);
  transition: all 0.25s; color: var(--gold); flex-shrink: 0;
}
.product-item:hover .arrow { opacity: 1; transform: translateX(0); }
.products-note {
  text-align: center; margin-top: 44px;
  font-size: 0.88rem; color: rgba(255,255,255,0.45);
}
.products-note strong { color: var(--gold); }

/* ABOUT */
.about { padding: 110px 0; background: var(--white); }
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.about-content .section-subtitle { margin-bottom: 22px; }
.about-text { font-size: 0.96rem; color: var(--text-medium); line-height: 1.75; margin-bottom: 28px; }
.about-highlights { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.about-highlight {
  padding: 22px; background: var(--off-white);
  border-radius: 12px; border: 1px solid var(--light-gray);
  transition: border-color 0.2s;
}
.about-highlight:hover { border-color: var(--gold); }
.about-highlight .num {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem; font-weight: 700; color: var(--gold);
}
.about-highlight .label {
  font-size: 0.8rem; color: var(--text-light);
  margin-top: 3px; font-weight: 500;
}
.about-visual {
  background: linear-gradient(150deg, var(--navy), var(--navy-dark));
  border-radius: 20px; padding: 44px 40px; color: var(--white);
  position: relative; overflow: hidden;
}
.about-visual::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(circle at 85% 15%, rgba(201,168,76,0.1) 0%, transparent 55%);
}
.about-visual blockquote {
  position: relative; z-index: 2;
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem; line-height: 1.5; font-weight: 600;
  margin-bottom: 16px; padding-left: 24px;
  border-left: 3px solid var(--gold);
}
.about-visual cite {
  position: relative; z-index: 2;
  display: block; font-style: normal; font-family: 'Inter', sans-serif;
  font-size: 0.82rem; color: rgba(255,255,255,0.55); padding-left: 24px;
}
.about-visual cite strong { color: var(--gold); font-weight: 600; }
.about-divider {
  width: 48px; height: 3px; background: var(--gold);
  border-radius: 2px; margin: 28px 0 22px 24px;
  position: relative; z-index: 2;
}
.about-standards-title {
  position: relative; z-index: 2;
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.15em;
  text-transform: uppercase; color: var(--gold);
  padding-left: 24px; margin-bottom: 14px;
}
.about-standards {
  position: relative; z-index: 2;
  list-style: none; padding-left: 24px;
}
.about-standards li {
  display: flex; align-items: flex-start; gap: 10px;
  padding: 7px 0;
  font-size: 0.88rem; color: rgba(255,255,255,0.72); line-height: 1.55;
}
.about-standards li svg {
  width: 16px; height: 16px; stroke: var(--gold); fill: none;
  stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round;
  flex-shrink: 0; margin-top: 3px;
}

/* FAQ */
.faq { padding: 110px 0; background: var(--off-white); }
.faq-layout { display: grid; grid-template-columns: 0.4fr 0.6fr; gap: 60px; align-items: start; }
.faq-left .section-subtitle { margin-bottom: 26px; }
.faq-cta-box {
  background: linear-gradient(135deg, var(--navy), var(--navy-dark));
  border-radius: 14px; padding: 28px; color: var(--white);
}
.faq-cta-box p { font-size: 0.9rem; color: rgba(255,255,255,0.65); line-height: 1.6; margin-bottom: 18px; }
.faq-cta-box .btn { font-size: 0.88rem; padding: 12px 24px; }
.faq-items { display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  background: var(--white); border-radius: 12px;
  border: 1px solid var(--light-gray);
  overflow: hidden; transition: border-color 0.2s;
}
.faq-item.open { border-color: var(--gold); }
.faq-question {
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 22px; cursor: pointer; gap: 16px;
  font-size: 0.94rem; font-weight: 600; color: var(--navy);
  background: none; border: none; width: 100%; text-align: left;
  font-family: 'Inter', sans-serif;
}
.faq-question:hover { color: var(--gold); }
.faq-chevron {
  width: 20px; height: 20px; stroke: var(--text-light); fill: none;
  stroke-width: 2; stroke-linecap: round; stroke-linejoin: round;
  transition: transform 0.3s; flex-shrink: 0;
}
.faq-item.open .faq-chevron { transform: rotate(180deg); stroke: var(--gold); }
.faq-answer {
  max-height: 0; overflow: hidden; transition: max-height 0.35s ease, padding 0.35s ease;
  padding: 0 22px;
}
.faq-item.open .faq-answer { max-height: 360px; padding: 0 22px 18px; }
.faq-answer p { font-size: 0.9rem; color: var(--text-medium); line-height: 1.7; }

/* CONTACT */
.contact { padding: 110px 0; background: var(--white); }
.contact-grid { display: grid; grid-template-columns: 1fr 1.15fr; gap: 60px; align-items: start; }
.contact-left .section-subtitle { margin-bottom: 30px; }
.contact-info { list-style: none; display: flex; flex-direction: column; gap: 18px; }
.contact-info li {
  display: flex; align-items: center; gap: 14px;
  font-size: 0.94rem; color: var(--text-medium);
}
.contact-info .icon {
  width: 44px; height: 44px; border-radius: 10px;
  background: var(--off-white); display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; border: 1px solid var(--light-gray);
}
.contact-info .icon svg { width: 18px; height: 18px; stroke: var(--navy); fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.contact-info a { color: var(--text-medium); text-decoration: none; transition: color 0.2s; }
.contact-info a:hover { color: var(--gold); }
.contact-guarantee {
  margin-top: 30px; padding: 22px;
  background: var(--off-white); border-radius: 12px;
  border-left: 3px solid var(--gold);
  font-size: 0.9rem; color: var(--text-medium); line-height: 1.65;
}
.contact-guarantee strong { color: var(--navy); }

.contact-form {
  background: var(--off-white); border-radius: 18px; padding: 38px;
  border: 1px solid var(--light-gray);
  box-shadow: 0 4px 24px rgba(0,0,0,0.04);
}
.contact-form h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.35rem; font-weight: 700; color: var(--navy);
  margin-bottom: 6px;
}
.contact-form .form-desc {
  font-size: 0.88rem; color: var(--text-light); margin-bottom: 26px;
}

/* 5-step wizard */
.step-indicator {
  display: flex; align-items: center;
  margin-bottom: 26px; padding-bottom: 20px;
  border-bottom: 1px solid var(--light-gray);
}
.step-dot {
  width: 28px; height: 28px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.72rem; font-weight: 700;
  background: var(--light-gray); color: var(--text-light);
  transition: all 0.3s; flex-shrink: 0;
}
.step-dot.active { background: var(--gold); color: var(--navy-dark); transform: scale(1.1); }
.step-dot.done { background: var(--navy); color: var(--white); }
.step-line { flex: 1; height: 2px; background: var(--light-gray); margin: 0 4px; transition: background 0.3s; }
.step-line.active { background: var(--navy); }

.form-steps { position: relative; }
.form-step { display: none; animation: fadeStep 0.4s ease; }
.form-step.active { display: block; }
@keyframes fadeStep { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: translateY(0); } }

.step-heading {
  font-size: 0.78rem; font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--gold); margin-bottom: 6px;
}
.step-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.15rem; font-weight: 700; color: var(--navy);
  margin-bottom: 18px;
}

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-group { margin-bottom: 16px; }
.form-group label {
  display: block; font-size: 0.78rem; font-weight: 600;
  color: var(--text-dark); margin-bottom: 6px; letter-spacing: 0.02em;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%; padding: 12px 14px;
  border: 1.5px solid var(--light-gray);
  border-radius: 8px; font-size: 0.9rem;
  font-family: 'Inter', sans-serif;
  color: var(--text-dark); background: var(--white);
  transition: border-color 0.2s, box-shadow 0.2s;
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.1);
}
.form-group input::placeholder,
.form-group textarea::placeholder { color: #B0AEA8; }
.form-group textarea { resize: vertical; min-height: 100px; }
.form-group select {
  cursor: pointer; appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%234A4A4A' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 14px center;
}

.step-buttons { display: flex; gap: 10px; margin-top: 6px; }
.btn-next, .btn-submit {
  flex: 1; padding: 14px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy-dark);
  border: none; border-radius: 8px;
  font-size: 0.95rem; font-weight: 700;
  font-family: 'Inter', sans-serif;
  cursor: pointer; transition: all 0.25s;
  letter-spacing: 0.01em;
  box-shadow: 0 4px 16px rgba(201,168,76,0.2);
}
.btn-next:hover, .btn-submit:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(201,168,76,0.3);
}
.btn-back {
  padding: 14px 22px;
  background: var(--white); color: var(--text-medium);
  border: 1.5px solid var(--light-gray);
  border-radius: 8px;
  font-size: 0.9rem; font-weight: 600;
  font-family: 'Inter', sans-serif;
  cursor: pointer; transition: all 0.2s;
}
.btn-back:hover { border-color: var(--text-medium); color: var(--text-dark); }

/* Thank-you */
.thank-you { text-align: center; padding: 36px 16px; display: none; }
.thank-you.active { display: block; animation: fadeStep 0.4s ease; }
.thank-you .ty-icon {
  width: 64px; height: 64px; border-radius: 50%;
  background: #E8F5E9; display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
}
.thank-you .ty-icon svg { width: 32px; height: 32px; stroke: var(--success); fill: none; stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; }
.thank-you h4 {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem; font-weight: 700; color: var(--navy); margin-bottom: 10px;
}
.thank-you p { font-size: 0.95rem; color: var(--text-medium); line-height: 1.65; max-width: 380px; margin: 0 auto; }

/* CTA BANNER */
.cta-banner {
  padding: 90px 0;
  background: linear-gradient(160deg, var(--navy-deep) 0%, var(--navy) 50%, #264D73 100%);
  text-align: center; position: relative; overflow: hidden;
}
.cta-banner::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(circle at 50% 50%, rgba(201,168,76,0.08) 0%, transparent 60%);
}
.cta-banner .container { position: relative; z-index: 2; }
.cta-banner h2 {
  font-family: 'Playfair Display', serif;
  font-size: 2.3rem; font-weight: 700; color: var(--white);
  margin-bottom: 14px; letter-spacing: -0.01em;
}
.cta-banner p {
  font-size: 1.08rem; color: rgba(255,255,255,0.6);
  max-width: 540px; margin: 0 auto 30px; line-height: 1.7;
}
.cta-banner .btn { font-size: 1rem; padding: 16px 36px; }

/* FOOTER */
.footer { background: var(--navy-deep); padding: 60px 0 32px; }
.footer-inner {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px;
  margin-bottom: 40px;
}
.footer-brand { max-width: 340px; }
.footer-brand .nav-logo { display: inline-flex; margin-bottom: 14px; }
.footer-brand p { font-size: 0.86rem; color: rgba(255,255,255,0.4); line-height: 1.7; }
.footer-links h4 {
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--gold); margin-bottom: 16px;
}
.footer-links ul { list-style: none; }
.footer-links li { margin-bottom: 10px; }
.footer-links a {
  font-size: 0.86rem; color: rgba(255,255,255,0.48);
  text-decoration: none; transition: color 0.2s;
}
.footer-links a:hover { color: var(--gold); }
.footer-bottom {
  padding-top: 28px; border-top: 1px solid rgba(255,255,255,0.06);
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 12px;
}
.footer-bottom p { font-size: 0.76rem; color: rgba(255,255,255,0.3); }
.footer-bottom a { color: var(--gold); text-decoration: none; }

/* ============================================ */
/* PRODUCT LANDING PAGES                         */
/* ============================================ */

.product-hero {
  position: relative;
  padding: 130px 0 70px;
  background: linear-gradient(160deg, var(--navy-deep) 0%, var(--navy) 60%, #264D73 100%);
  overflow: hidden;
}
.product-hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 60% 50% at 80% 30%, rgba(201,168,76,0.08) 0%, transparent 65%);
}
.product-hero .container { position: relative; z-index: 2; }

.breadcrumb {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.82rem; color: rgba(255,255,255,0.45);
  margin-bottom: 26px;
}
.breadcrumb a {
  color: rgba(255,255,255,0.55); text-decoration: none;
  transition: color 0.2s;
}
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb span.current { color: var(--gold); }
.breadcrumb-sep { color: rgba(255,255,255,0.3); font-weight: 300; }

.product-hero-content { max-width: 760px; }
.product-hero-label {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(201,168,76,0.1); border: 1px solid rgba(201,168,76,0.2);
  border-radius: 100px; padding: 6px 16px; margin-bottom: 22px;
  font-size: 0.74rem; font-weight: 700; color: var(--gold);
  letter-spacing: 0.1em; text-transform: uppercase;
}
.product-hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2rem, 4vw, 3.2rem);
  font-weight: 800; color: var(--white);
  line-height: 1.1; margin-bottom: 20px;
  letter-spacing: -0.015em;
}
.product-hero p.lede {
  font-size: 1.1rem; color: rgba(255,255,255,0.72);
  line-height: 1.65; margin-bottom: 32px; max-width: 620px;
}
.product-hero-buttons { display: flex; gap: 14px; flex-wrap: wrap; }

/* Product detail body */
.product-detail { padding: 90px 0; background: var(--white); }
.product-detail-grid {
  display: grid; grid-template-columns: 1.6fr 0.9fr; gap: 64px; align-items: start;
}
.product-main h2 {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem; font-weight: 700;
  color: var(--navy); margin: 0 0 14px;
}
.product-main h2:not(:first-child) { margin-top: 44px; }
.product-main p {
  font-size: 1rem; color: var(--text-medium);
  line-height: 1.75; margin-bottom: 14px;
}
.product-main ul.use-cases {
  list-style: none; margin-top: 14px;
}
.product-main ul.use-cases li {
  display: flex; align-items: flex-start; gap: 12px;
  padding: 10px 0;
  font-size: 0.95rem; color: var(--text-medium); line-height: 1.6;
  border-bottom: 1px solid var(--light-gray);
}
.product-main ul.use-cases li:last-child { border-bottom: none; }
.product-main ul.use-cases li svg {
  width: 18px; height: 18px; stroke: var(--gold); fill: none;
  stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round;
  flex-shrink: 0; margin-top: 3px;
}
.product-main .typical-structure {
  background: var(--off-white); border-radius: 12px;
  padding: 24px 26px; border-left: 3px solid var(--gold);
  margin-top: 18px;
}
.product-main .typical-structure dl {
  display: grid; grid-template-columns: max-content 1fr; gap: 8px 18px;
  margin: 0;
}
.product-main .typical-structure dt {
  font-size: 0.82rem; font-weight: 700; color: var(--navy);
  text-transform: uppercase; letter-spacing: 0.06em;
}
.product-main .typical-structure dd {
  font-size: 0.95rem; color: var(--text-medium); line-height: 1.55;
  margin: 0;
}

/* Sidebar */
.product-sidebar {
  position: sticky; top: 90px;
  display: flex; flex-direction: column; gap: 20px;
}
.sidebar-card {
  border-radius: 14px; padding: 26px;
  border: 1px solid var(--light-gray); background: var(--white);
}
.sidebar-card.cta {
  background: linear-gradient(135deg, var(--navy), var(--navy-dark));
  color: var(--white); border-color: transparent;
}
.sidebar-card.cta h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.2rem; font-weight: 700; color: var(--white);
  margin-bottom: 8px;
}
.sidebar-card.cta p {
  font-size: 0.88rem; color: rgba(255,255,255,0.65);
  line-height: 1.6; margin-bottom: 18px;
}
.sidebar-card.cta .btn {
  width: 100%; justify-content: center; padding: 13px 20px;
  font-size: 0.92rem;
}
.sidebar-card h3 {
  font-size: 0.74rem; font-weight: 700; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--gold); margin-bottom: 14px;
}
.sidebar-card ul { list-style: none; }
.sidebar-card ul li { margin-bottom: 8px; }
.sidebar-card ul a {
  font-size: 0.92rem; color: var(--navy); text-decoration: none;
  display: flex; align-items: center; justify-content: space-between;
  padding: 6px 0; transition: color 0.2s;
}
.sidebar-card ul a:hover { color: var(--gold); }
.sidebar-card ul a svg {
  width: 14px; height: 14px; stroke: var(--text-light); fill: none;
  stroke-width: 2; opacity: 0.5; transition: all 0.2s;
}
.sidebar-card ul a:hover svg { stroke: var(--gold); opacity: 1; transform: translateX(2px); }

/* RESPONSIVE */
@media (max-width: 960px) {
  .hero-layout { grid-template-columns: 1fr; gap: 44px; }
  .hero-right { display: none; }
  .value-grid { grid-template-columns: repeat(2, 1fr); }
  .borrowers-grid { grid-template-columns: repeat(2, 1fr); }
  .about-grid { grid-template-columns: 1fr; gap: 40px; }
  .contact-grid { grid-template-columns: 1fr; gap: 40px; }
  .products-grid { grid-template-columns: 1fr; }
  .faq-layout { grid-template-columns: 1fr; gap: 40px; }
  .how-steps::before { display: none; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .megamenu { grid-template-columns: 1fr 1fr; gap: 22px; padding: 24px; }
  .megamenu-promo { display: none; }
  .product-detail-grid { grid-template-columns: 1fr; gap: 44px; }
  .product-sidebar { position: static; }
}
@media (max-width: 640px) {
  .nav-links { display: none; }
  .mobile-toggle { display: block; }
  .nav-links.open {
    display: flex; flex-direction: column;
    position: absolute; top: 70px; left: 0; right: 0;
    background: var(--navy-deep); padding: 22px 24px;
    border-bottom: 1px solid rgba(201,168,76,0.1);
    gap: 18px; max-height: calc(100vh - 70px); overflow-y: auto;
  }
  .nav-links.open .has-megamenu .megamenu {
    position: static; transform: none; opacity: 1; pointer-events: auto;
    box-shadow: none; border: none; padding: 14px 0 0; width: 100%;
    background: transparent; grid-template-columns: 1fr; gap: 14px;
  }
  .nav-links.open .megamenu::before { display: none; }
  .nav-links.open .megamenu-col h4 { color: var(--gold); }
  .nav-links.open .megamenu-col a { color: rgba(255,255,255,0.8) !important; }
  .nav-links.open .megamenu-promo { display: none; }
  .value-grid { grid-template-columns: 1fr; }
  .borrowers-grid { grid-template-columns: 1fr; }
  .how-steps { grid-template-columns: 1fr; gap: 40px; }
  .hero h1 { font-size: 2.2rem; }
  .form-row { grid-template-columns: 1fr; }
  .about-highlights { grid-template-columns: 1fr; }
  .section-title { font-size: 1.85rem; }
  .contact-form { padding: 26px 20px; }
  .footer-inner { grid-template-columns: 1fr; }
  .trust-items { gap: 18px; flex-direction: column; align-items: center; }
  .cta-banner h2 { font-size: 1.7rem; }
  .product-hero { padding: 110px 0 50px; }
  .product-hero h1 { font-size: 2rem; }
  .product-main .typical-structure dl { grid-template-columns: 1fr; gap: 4px 0; }
  .product-main .typical-structure dt { margin-top: 12px; }
  .product-main .typical-structure dt:first-child { margin-top: 0; }
}

/* ============================================ */
/* PHASE 1: VISUAL ELEVATION                     */
/* ============================================ */

/* Hero architectural skyline silhouette */
.hero-skyline {
  position: absolute; bottom: 0; left: 0; right: 0;
  height: 220px; pointer-events: none; z-index: 1;
  opacity: 0.13;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1600 220' preserveAspectRatio='xMidYMax slice'%3E%3Cpath fill='%23C9A84C' d='M0 220V160h40v-30h25v-40h35v50h30V90h45v25h28v45h40v-65h60v90h25v-105h50v75h35V60h55v100h30v-50h45v70h30V90h40v60h25v-95h60v110h30v-40h35v45h45V70h50v90h25v-55h40v75h35V100h55v85h30v-60h45v75h35V40h60v140h35v-50h40v60h25v-85h55v90h35v-50h40v60h25v-30h50v40h45v-60h40v70h30v-100h45v95h35v-40h40v45h25v-70h55v80h30v-50h35v55h45V90h50v110h30v-40h35v50h40v-70h50v75h30v-30h40v40h25v-55h50v60h35v-70h40v75h25v-45h45v50H0Z'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-size: cover; background-position: bottom center;
  mask-image: linear-gradient(to bottom, transparent 0%, black 50%);
  -webkit-mask-image: linear-gradient(to bottom, transparent 0%, black 50%);
}

/* Hero card depth, layered shadow */
.hero-card {
  position: relative;
  box-shadow: 0 30px 80px -20px rgba(0,0,0,0.5), 0 0 0 1px rgba(255,255,255,0.06);
}
.hero-card::after {
  content: ''; position: absolute; inset: -2px;
  border-radius: 22px; z-index: -1;
  background: linear-gradient(135deg, rgba(201,168,76,0.15), transparent 60%);
  filter: blur(20px); opacity: 0.6;
}
.hero-card::before {
  content: ''; position: absolute; left: 14px; right: 14px; bottom: -14px;
  height: 30px; border-radius: 18px;
  background: linear-gradient(to bottom, rgba(255,255,255,0.06), transparent);
  z-index: -1; filter: blur(8px);
}

/* Section dividers (subtle gradient bands between sections) */
.section-divider {
  height: 1px; width: 100%;
  background: linear-gradient(90deg, transparent 0%, var(--light-gray) 20%, var(--light-gray) 80%, transparent 100%);
}

/* Process timeline (replaces .how-steps default) */
.timeline {
  position: relative;
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px;
  margin-top: 16px;
}
.timeline::before {
  content: ''; position: absolute;
  top: 38px; left: 80px; right: 80px;
  height: 2px;
  background: linear-gradient(90deg, var(--gold) 0%, var(--blue-accent) 50%, var(--gold) 100%);
  opacity: 0.25; z-index: 0;
}
.timeline-step {
  text-align: center; position: relative; z-index: 2;
}
.timeline-marker {
  width: 78px; height: 78px;
  margin: 0 auto 26px;
  border-radius: 50%;
  background: var(--white);
  border: 2px solid var(--gold);
  display: flex; align-items: center; justify-content: center;
  position: relative;
  box-shadow: 0 6px 24px rgba(201,168,76,0.18);
  transition: all 0.3s;
}
.timeline-marker svg {
  width: 32px; height: 32px;
  stroke: var(--gold); fill: none;
  stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round;
}
.timeline-marker .marker-num {
  position: absolute; top: -8px; right: -8px;
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--navy); color: var(--gold);
  font-family: 'Playfair Display', serif;
  font-size: 0.9rem; font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  border: 2px solid var(--white);
}
.timeline-step h3 {
  font-size: 1.08rem; font-weight: 700; color: var(--navy);
  margin-bottom: 10px;
}
.timeline-step .timeline-meta {
  display: inline-block;
  font-size: 0.72rem; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 10px;
}
.timeline-step p {
  font-size: 0.9rem; color: var(--text-medium);
  line-height: 1.65; max-width: 290px; margin: 0 auto;
}

/* Product page hero geometric accent */
.product-hero { position: relative; }
.product-hero-accent {
  position: absolute; right: -40px; top: 50%;
  transform: translateY(-50%);
  width: 320px; height: 320px;
  pointer-events: none; opacity: 0.55;
  z-index: 1;
}
.product-hero-accent svg {
  width: 100%; height: 100%;
}
.product-hero .container { position: relative; z-index: 2; }

/* Section heading flourish */
.section-title-flourish {
  display: inline-block; position: relative;
}
.section-title-flourish::after {
  content: ''; position: absolute;
  bottom: -8px; left: 0; right: 0;
  height: 3px; width: 60px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  border-radius: 2px;
}
.section-title-flourish.centered::after {
  left: 50%; transform: translateX(-50%);
}

/* Refined hero typography accent */
.hero h1 .accent-italic {
  font-style: italic;
  font-weight: 700;
}

/* RESPONSIVE for Phase 1 additions */
@media (max-width: 960px) {
  .timeline { grid-template-columns: 1fr; gap: 40px; }
  .timeline::before { display: none; }
  .product-hero-accent { display: none; }
}
@media (max-width: 640px) {
  .hero-skyline { height: 140px; opacity: 0.1; }
  .timeline-marker { width: 64px; height: 64px; }
  .timeline-marker svg { width: 26px; height: 26px; }
}

/* ============================================ */
/* PHASE 2: CONVERSION MECHANICS                 */
/* ============================================ */

/* Sticky mobile CTA bar */
.mobile-cta-bar {
  display: none;
  position: fixed; bottom: 0; left: 0; right: 0;
  z-index: 95;
  background: rgba(9, 22, 40, 0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  padding: 12px 16px 14px;
  border-top: 1px solid rgba(201,168,76,0.2);
  box-shadow: 0 -8px 24px rgba(0,0,0,0.25);
  transform: translateY(100%);
  transition: transform 0.3s cubic-bezier(0.22, 1, 0.36, 1);
}
.mobile-cta-bar.visible { transform: translateY(0); }
.mobile-cta-bar .btn {
  width: 100%; justify-content: center;
  padding: 14px; font-size: 0.95rem;
}
@media (max-width: 640px) {
  .mobile-cta-bar { display: block; }
  body { padding-bottom: 72px; }
}

/* Example deals (replaces testimonials, clearly labeled as illustrations) */
.examples { padding: 100px 0; background: var(--off-white); }
.examples-header { text-align: center; margin-bottom: 56px; }
.examples-header .section-subtitle { margin: 0 auto; }
.examples-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
.example-card {
  background: var(--white); border-radius: 16px;
  padding: 32px; border: 1px solid var(--light-gray);
  transition: all 0.3s cubic-bezier(0.22, 1, 0.36, 1);
  display: flex; flex-direction: column; gap: 18px;
  position: relative;
}
.example-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 40px rgba(27,58,92,0.08);
  border-color: var(--gold);
}
.example-card .example-tag {
  position: absolute; top: 22px; right: 22px;
  font-size: 0.62rem; font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--text-light);
  background: var(--off-white);
  padding: 4px 10px; border-radius: 100px;
  border: 1px solid var(--light-gray);
}
.example-card .example-meta {
  font-size: 0.74rem; font-weight: 700; letter-spacing: 0.1em;
  text-transform: uppercase; color: var(--gold);
}
.example-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem; font-weight: 700; color: var(--navy);
  line-height: 1.2;
  padding-right: 110px;
}
.example-card .example-details {
  display: flex; gap: 16px; flex-wrap: wrap;
  padding: 14px 0; border-top: 1px solid var(--light-gray);
  border-bottom: 1px solid var(--light-gray);
}
.example-detail {
  flex: 1; min-width: 110px;
}
.example-detail .label {
  font-size: 0.7rem; font-weight: 600; letter-spacing: 0.08em;
  text-transform: uppercase; color: var(--text-light);
  margin-bottom: 4px;
}
.example-detail .val {
  font-size: 0.92rem; font-weight: 700; color: var(--navy);
}
.example-card .example-narrative {
  font-size: 0.92rem; color: var(--text-medium); line-height: 1.65;
}
.examples-footnote {
  text-align: center; margin-top: 32px;
  font-size: 0.8rem; color: var(--text-light);
  font-style: italic;
}

/* LTV Calculator widget */
.calculator { padding: 100px 0; background: var(--white); }
.calculator-card {
  max-width: 760px; margin: 0 auto;
  background: linear-gradient(150deg, var(--navy), var(--navy-dark));
  border-radius: 22px; padding: 48px;
  position: relative; overflow: hidden;
  box-shadow: 0 30px 80px -20px rgba(9,22,40,0.4);
}
.calculator-card::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 60% 50% at 80% 20%, rgba(201,168,76,0.12) 0%, transparent 60%);
  pointer-events: none;
}
.calculator-grid {
  position: relative; z-index: 2;
  display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: center;
}
.calculator-intro .section-label { color: var(--gold); }
.calculator-intro h2 {
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem; font-weight: 700; color: var(--white);
  line-height: 1.2; margin-bottom: 14px; letter-spacing: -0.01em;
}
.calculator-intro p {
  font-size: 0.94rem; color: rgba(255,255,255,0.65); line-height: 1.65;
}
.calculator-fields { display: flex; flex-direction: column; gap: 16px; }
.calc-field label {
  display: block; font-size: 0.74rem; font-weight: 700;
  letter-spacing: 0.08em; text-transform: uppercase;
  color: rgba(255,255,255,0.7); margin-bottom: 8px;
}
.calc-input-wrapper {
  position: relative;
}
.calc-input-wrapper::before {
  content: '$'; position: absolute; left: 14px; top: 50%;
  transform: translateY(-50%);
  color: var(--gold); font-weight: 700; font-size: 0.95rem;
}
.calc-field input {
  width: 100%; padding: 13px 14px 13px 26px;
  background: rgba(255,255,255,0.06);
  border: 1.5px solid rgba(255,255,255,0.1);
  border-radius: 8px;
  font-size: 0.98rem; font-weight: 600;
  font-family: 'Inter', sans-serif;
  color: var(--white);
  transition: border-color 0.2s, background 0.2s;
  outline: none;
}
.calc-field input:focus {
  border-color: var(--gold);
  background: rgba(255,255,255,0.1);
}
.calc-field input::placeholder { color: rgba(255,255,255,0.3); }
.calc-result {
  margin-top: 8px; padding: 18px 20px;
  background: rgba(201,168,76,0.08);
  border: 1px solid rgba(201,168,76,0.18);
  border-radius: 10px;
  opacity: 0; transform: translateY(8px);
  transition: all 0.3s;
}
.calc-result.visible { opacity: 1; transform: translateY(0); }
.calc-result-row {
  display: flex; justify-content: space-between; align-items: baseline;
  margin-bottom: 10px;
}
.calc-result-label {
  font-size: 0.74rem; font-weight: 700; letter-spacing: 0.1em;
  text-transform: uppercase; color: rgba(255,255,255,0.6);
}
.calc-result-value {
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem; font-weight: 700; color: var(--gold);
  line-height: 1;
}
.calc-result-message {
  font-size: 0.86rem; color: rgba(255,255,255,0.75);
  line-height: 1.55;
}
.calc-cta {
  margin-top: 18px; width: 100%;
  padding: 13px; background: var(--gold); color: var(--navy-dark);
  border: none; border-radius: 8px;
  font-size: 0.92rem; font-weight: 700;
  font-family: 'Inter', sans-serif;
  cursor: pointer; transition: all 0.2s;
  display: flex; align-items: center; justify-content: center; gap: 8px;
}
.calc-cta:hover { background: var(--gold-light); transform: translateY(-2px); }
.calc-cta svg { width: 14px; height: 14px; }

@media (max-width: 960px) {
  .examples-grid { grid-template-columns: 1fr; }
  .calculator-grid { grid-template-columns: 1fr; gap: 28px; }
  .calculator-card { padding: 36px 28px; }
}
@media (max-width: 640px) {
  .example-card { padding: 26px; }
  .example-card h3 { font-size: 1.25rem; padding-right: 0; }
  .example-card .example-tag { position: static; align-self: flex-start; margin-bottom: -10px; }
}

/* ============================================ */
/* PHASE 5: ACCESSIBILITY + PERFORMANCE          */
/* ============================================ */

/* Skip to content link (visible on focus only) */
.skip-link {
  position: absolute; top: -100px; left: 16px;
  z-index: 1000;
  background: var(--gold); color: var(--navy-dark);
  padding: 12px 22px; border-radius: 8px;
  font-weight: 700; text-decoration: none;
  font-size: 0.9rem;
  transition: top 0.2s;
}
.skip-link:focus { top: 16px; }

/* Strong focus-visible states across interactive elements */
:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 2px;
  border-radius: 4px;
}
.btn:focus-visible,
.btn-next:focus-visible,
.btn-back:focus-visible,
.btn-submit:focus-visible,
.calc-cta:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
}
.faq-question:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: -2px;
}
.nav-links a:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 4px;
  border-radius: 2px;
}
.product-item:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 2px;
}

/* Respect prefers-reduced-motion */
@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 !important;
    transform: none !important;
  }
  .hero-accent { animation: none !important; }
  .hero-badge::before { animation: none !important; }
}

/* Screen-reader-only utility */
.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;
}

/* Ensure sufficient text contrast on dark backgrounds */
.hero-sub { color: rgba(255,255,255,0.78); }
.about-visual cite { color: rgba(255,255,255,0.7); }
.faq-cta-box p { color: rgba(255,255,255,0.78); }
.cta-banner p { color: rgba(255,255,255,0.75); }
.products .section-subtitle { color: rgba(255,255,255,0.75); }
.footer-brand p { color: rgba(255,255,255,0.55); }
.footer-links a { color: rgba(255,255,255,0.65); }
.footer-bottom p { color: rgba(255,255,255,0.55); }
.calculator-intro p { color: rgba(255,255,255,0.78); }
.calc-field input::placeholder { color: rgba(255,255,255,0.4); }

/* Stronger underline / decoration for body text links */
.contact-info a, .footer-links a, .footer-brand a {
  text-decoration: none;
}
.contact-info a:hover, .contact-info a:focus-visible,
.footer-links a:hover, .footer-links a:focus-visible {
  text-decoration: underline;
  text-underline-offset: 3px;
}

/* Font display optimization */
@font-face {
  font-family: 'Inter';
  font-display: swap;
}
@font-face {
  font-family: 'Playfair Display';
  font-display: swap;
}

/* ============================================ */
/* PHASE 6: RESOURCES + ARTICLES                 */
/* ============================================ */

/* Resources hub */
.resources-hero {
  position: relative;
  padding: 130px 0 70px;
  background: linear-gradient(160deg, var(--navy-deep) 0%, var(--navy) 60%, #264D73 100%);
  color: var(--white);
  overflow: hidden;
}
.resources-hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 60% 50% at 80% 30%, rgba(201,168,76,0.08) 0%, transparent 65%);
}
.resources-hero .container { position: relative; z-index: 2; }
.resources-hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2rem, 4vw, 3rem); font-weight: 800;
  margin-bottom: 18px; letter-spacing: -0.01em;
  line-height: 1.1;
}
.resources-hero .lede {
  font-size: 1.1rem; color: rgba(255,255,255,0.72);
  line-height: 1.65; max-width: 640px;
}

.resources-body { padding: 80px 0 110px; background: var(--white); }
.resources-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 26px;
  max-width: 1160px; margin: 0 auto;
}
.resource-card {
  display: flex; flex-direction: column;
  background: var(--off-white); border-radius: 16px;
  padding: 32px;
  border: 1px solid var(--light-gray);
  transition: all 0.3s cubic-bezier(0.22, 1, 0.36, 1);
  text-decoration: none; color: inherit;
  position: relative;
}
.resource-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 24px 56px rgba(27,58,92,0.1);
  border-color: var(--gold);
}
.resource-card .resource-meta {
  display: flex; align-items: center; gap: 10px;
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.1em;
  text-transform: uppercase; color: var(--gold);
  margin-bottom: 14px;
}
.resource-card .resource-meta::after {
  content: ''; flex: 1; height: 1px;
  background: linear-gradient(90deg, var(--gold), transparent);
  opacity: 0.4;
}
.resource-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem; font-weight: 700; color: var(--navy);
  line-height: 1.25; margin-bottom: 14px;
}
.resource-card p {
  font-size: 0.92rem; color: var(--text-medium);
  line-height: 1.65; margin-bottom: 22px; flex: 1;
}
.resource-card .resource-cta {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 0.85rem; font-weight: 700; color: var(--navy);
  margin-top: auto;
}
.resource-card .resource-cta svg {
  width: 16px; height: 16px;
  transition: transform 0.25s;
}
.resource-card:hover .resource-cta { color: var(--gold); }
.resource-card:hover .resource-cta svg { transform: translateX(3px); }

/* Article page (per-article styling) */
.article-hero {
  position: relative;
  padding: 130px 0 60px;
  background: linear-gradient(160deg, var(--navy-deep) 0%, var(--navy) 60%, #264D73 100%);
  color: var(--white);
  overflow: hidden;
}
.article-hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 60% 50% at 75% 30%, rgba(201,168,76,0.08) 0%, transparent 65%);
}
.article-hero .container { position: relative; z-index: 2; }
.article-hero .article-category {
  display: inline-block;
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--gold);
  margin-bottom: 16px;
}
.article-hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.9rem, 4vw, 2.8rem); font-weight: 800;
  line-height: 1.15; margin-bottom: 18px;
  letter-spacing: -0.01em; max-width: 800px;
}
.article-hero .article-meta {
  font-size: 0.86rem; color: rgba(255,255,255,0.5);
  display: flex; gap: 14px; align-items: center; flex-wrap: wrap;
}
.article-hero .article-meta span { display: flex; align-items: center; gap: 6px; }
.article-hero .article-meta svg {
  width: 14px; height: 14px; stroke: var(--gold); fill: none;
  stroke-width: 2; stroke-linecap: round; stroke-linejoin: round;
}

.article-body { padding: 70px 0 90px; background: var(--white); }
.article-layout {
  display: grid; grid-template-columns: 1.6fr 0.9fr; gap: 64px;
  max-width: 1160px; margin: 0 auto; padding: 0 24px; align-items: start;
}
.article-content h2 {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem; font-weight: 700; color: var(--navy);
  margin: 44px 0 16px; line-height: 1.25;
}
.article-content h2:first-child { margin-top: 0; }
.article-content p {
  font-size: 1.02rem; color: var(--text-medium);
  line-height: 1.8; margin-bottom: 18px;
}
.article-content p strong { color: var(--navy); font-weight: 700; }
.article-content ul, .article-content ol {
  padding-left: 22px; margin: 16px 0 20px;
}
.article-content li {
  font-size: 1rem; color: var(--text-medium);
  line-height: 1.75; margin-bottom: 10px;
}
.article-content blockquote {
  border-left: 3px solid var(--gold);
  padding-left: 20px; margin: 24px 0;
  font-family: 'Playfair Display', serif;
  font-size: 1.18rem; line-height: 1.55;
  color: var(--navy); font-style: italic;
}
.article-content a { color: var(--navy); text-decoration: underline; text-decoration-color: var(--gold); }
.article-content a:hover { color: var(--gold); }

.article-sidebar {
  position: sticky; top: 90px;
  display: flex; flex-direction: column; gap: 18px;
}
.article-sidebar .sidebar-card { padding: 24px; }
.article-sidebar h3 {
  font-size: 0.74rem; font-weight: 700; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--gold); margin-bottom: 14px;
}
.article-sidebar.cta h3 { color: var(--white); }

@media (max-width: 960px) {
  .resources-grid { grid-template-columns: 1fr; }
  .article-layout { grid-template-columns: 1fr; gap: 44px; }
  .article-sidebar { position: static; }
}