/* ============================================================
   Lunin-Pack Financial Group — Main Stylesheet
   ============================================================ */

/* ---------- Google Fonts (loaded in <head>) ---------- */

/* ---------- Variables ---------- */
:root {
  --navy:       #1B3A6B;
  --navy-dark:  #122850;
  --blue:       #2563EB;
  --blue-mid:   #3B82F6;
  --blue-light: #DBEAFE;
  --gold:       #C9A227;
  --gold-dark:  #A8871C;
  --orange:      #FC842D;  /* brand orange, sampled from logo */
  --orange-dark: #E26E15;
  --brand-gray:  #6C6D70;  /* brand gray, sampled from logo */
  --teal:       #0D9488;
  --teal-light: #CCFBF1;
  --coral:      #E76F51;
  --coral-light:#FDE8E0;
  --gold-light: #FBF0D2;
  --white:      #FFFFFF;
  --gray-50:    #F8FAFC;
  --gray-100:   #F1F5F9;
  --gray-200:   #E2E8F0;
  --gray-600:   #475569;
  --gray-700:   #334155;
  --gray-900:   #0F172A;
  --text:       #1E293B;
  --max-width:  1160px;
  --font-sans:  'Open Sans', sans-serif;
  --font-serif: 'Playfair Display', serif;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html  { scroll-behavior: smooth; font-size: 16px; }
body  { font-family: var(--font-sans); color: var(--text); background: var(--white); line-height: 1.65; }
img   { max-width: 100%; height: auto; display: block; }
a     { color: inherit; text-decoration: none; }
ul    { list-style: none; }
button { font-family: var(--font-sans); }

/* ---------- Layout helpers ---------- */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 1.5rem;
}
.section         { padding: 5rem 0; }
.section--gray   { background: var(--gray-50); }
.section--navy   { background: var(--navy); color: var(--white); }
.section--light  { background: var(--blue-light); }

.section-label {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--blue-mid);
  margin-bottom: 0.6rem;
}
.section-title {
  font-family: var(--font-serif);
  font-size: 2.2rem;
  color: var(--navy);
  line-height: 1.25;
  margin-bottom: 1rem;
}
.section-title--white { color: var(--white); }
.section-body {
  font-size: 1.05rem;
  color: var(--gray-700);
  max-width: 680px;
  line-height: 1.75;
}
.section-body--white { color: rgba(255,255,255,0.85); }
.centered { text-align: center; }
.centered .section-body { margin-left: auto; margin-right: auto; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 0.85rem 2rem;
  border-radius: 4px;
  font-weight: 700;
  font-size: 0.9rem;
  letter-spacing: 0.02em;
  cursor: pointer;
  transition: background 0.18s, color 0.18s, border-color 0.18s;
  text-align: center;
  border: 2px solid transparent;
  white-space: nowrap;
}
.btn--navy    { background: var(--navy);  color: var(--white); border-color: var(--navy); }
.btn--navy:hover { background: var(--navy-dark); border-color: var(--navy-dark); }
.btn--gold    { background: var(--gold);  color: var(--white); border-color: var(--gold); }
.btn--gold:hover { background: var(--gold-dark); border-color: var(--gold-dark); }
.btn--orange  { background: var(--orange); color: var(--white); border-color: var(--orange); }
.btn--orange:hover { background: var(--orange-dark); border-color: var(--orange-dark); }
.btn--outline-white { background: transparent; color: var(--white); border-color: var(--white); }
.btn--outline-white:hover { background: var(--white); color: var(--navy); }
.btn--outline-navy  { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn--outline-navy:hover  { background: var(--navy); color: var(--white); }

/* ============================================================
   TOP BAR
   ============================================================ */
.top-bar {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.85);
  font-size: 0.78rem;
  padding: 0.45rem 0;
}
.top-bar .container {
  display: flex;
  justify-content: flex-end;
  align-items: center;
  gap: 1.75rem;
}
.top-bar a {
  color: rgba(255,255,255,0.85);
  font-weight: 600;
  transition: color 0.15s;
}
.top-bar a:hover { color: var(--white); }
.top-bar__divider { opacity: 0.35; }

/* ============================================================
   HEADER / NAV
   ============================================================ */
.site-header {
  background: var(--white);
  box-shadow: 0 2px 12px rgba(0,0,0,0.07);
  position: sticky;
  top: 0;
  z-index: 200;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 1.5rem;
  max-width: var(--max-width);
  margin: 0 auto;
  gap: 1rem;
}
.site-logo {
  font-family: var(--font-serif);
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.15;
  flex-shrink: 0;
}
.site-logo__sub {
  font-size: 0.7rem;
  font-family: var(--font-sans);
  font-weight: 400;
  color: var(--gray-600);
  letter-spacing: 0.05em;
  display: block;
  text-transform: uppercase;
}
.site-logo img {
  height: 54px;
  width: auto;
}

.main-nav ul {
  display: flex;
  gap: 2rem;
  align-items: center;
}
.main-nav a {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--gray-700);
  transition: color 0.15s;
  padding: 0.2rem 0;
  border-bottom: 2px solid transparent;
}
.main-nav a:hover,
.main-nav a.active { color: var(--navy); border-bottom-color: var(--navy); }

.nav-cta {
  background: var(--orange) !important;
  color: var(--white) !important;
  padding: 0.5rem 1.2rem;
  border-radius: 4px;
  border-bottom: none !important;
  font-size: 0.85rem !important;
}
.nav-cta:hover { background: var(--orange-dark) !important; }

/* Hamburger */
.menu-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  flex-shrink: 0;
}
.menu-toggle span { display: block; width: 24px; height: 2px; background: var(--navy); border-radius: 2px; transition: all 0.25s; }

/* ============================================================
   HERO — HOME
   ============================================================ */
.hero {
  background:
    linear-gradient(rgba(10, 25, 55, 0.55), rgba(10, 25, 55, 0.55)),
    url('../images/bear-mountain-bridge.jpg') center center / cover no-repeat;
  color: var(--white);
  padding: 6rem 0 5rem;
  position: relative;
  overflow: hidden;
}
.hero::before { content: none; }
.hero .container {
  position: relative;
  z-index: 1;
}
.hero-content--centered {
  text-align: center;
  max-width: 780px;
  margin: 0 auto;
}
.hero-title {
  font-family: var(--font-serif);
  font-size: 3.8rem;
  line-height: 1.1;
  margin-bottom: 0.35rem;
}
.hero-subtitle {
  font-family: var(--font-serif);
  font-size: 1.55rem;
  font-weight: 400;
  opacity: 0.92;
  margin-bottom: 2.25rem;
  font-style: italic;
  line-height: 1.4;
}
.hero-note {
  font-size: 1rem;
  color: rgba(255,255,255,0.85);
  max-width: 620px;
  margin: 0 auto 2.25rem;
  line-height: 1.7;
}
.hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; justify-content: center; align-items: stretch; }
.hero-actions .btn {
  flex: 1 1 0;
  max-width: 330px;
  min-width: 260px;
  min-height: 64px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  white-space: normal;
  line-height: 1.35;
}

.hero-eyebrow {
  display: inline-block;
  background: rgba(255,255,255,0.14);
  border: 1px solid rgba(255,255,255,0.35);
  backdrop-filter: blur(4px);
  color: var(--white);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 0.45rem 1.2rem;
  border-radius: 999px;
  margin-bottom: 1.5rem;
}

/* ============================================================
   STATS BAR
   ============================================================ */
.stats-bar {
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  box-shadow: 0 8px 24px rgba(15,23,42,0.06);
  position: relative;
  z-index: 2;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  padding-top: 1.75rem;
  padding-bottom: 1.75rem;
}
.stat { text-align: center; padding: 0.5rem 1rem; }
.stat-number {
  display: block;
  font-family: var(--font-serif);
  font-size: 2rem;
  font-weight: 700;
  line-height: 1.1;
  margin-bottom: 0.3rem;
}
.stat-accent--gold  { color: var(--gold-dark); }
.stat-accent--teal  { color: var(--teal); }
.stat-accent--blue  { color: var(--blue); }
.stat-accent--coral { color: var(--coral); }
.stat-label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--gray-600);
  line-height: 1.4;
}

/* ============================================================
   THREE QUESTIONS — CARD GRID
   ============================================================ */
.questions-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}
.question-card {
  background: var(--white);
  border-radius: 14px;
  overflow: hidden;
  box-shadow: 0 4px 24px rgba(15,23,42,0.08);
  display: flex;
  flex-direction: column;
  transition: transform 0.2s, box-shadow 0.2s;
}
.question-card:hover { transform: translateY(-5px); box-shadow: 0 16px 44px rgba(15,23,42,0.14); }
.question-card-image {
  background: var(--gray-100);
  border-bottom: 1px solid var(--gray-200);
  padding: 1.25rem;
}
.question-card-image img { width: 100%; height: 190px; object-fit: contain; }
.question-card-body { padding: 1.75rem; display: flex; flex-direction: column; gap: 0.75rem; }
.question-card-body p { color: var(--gray-700); font-size: 0.93rem; line-height: 1.7; }
.question-card-title {
  font-family: var(--font-serif);
  font-size: 1.2rem;
  color: var(--navy);
  line-height: 1.35;
}
.question-chip {
  align-self: flex-start;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 0.3rem 0.85rem;
  border-radius: 999px;
}
/* Chips muted to navy tones so brand orange stays the only "action" color */
.question-chip--teal  { background: var(--blue-light); color: var(--navy); }
.question-chip--gold  { background: var(--blue-light); color: var(--navy); }
.question-chip--coral { background: var(--blue-light); color: var(--navy); }

/* ============================================================
   PODCAST SECTION
   ============================================================ */
.podcast-section { background: var(--white); }
.podcast-card {
  background: linear-gradient(135deg, var(--navy) 0%, #254C8F 60%, #2D6A4F 100%);
  border-radius: 18px;
  padding: 3.5rem;
  display: flex;
  gap: 2.5rem;
  align-items: flex-start;
  color: var(--white);
  box-shadow: 0 20px 56px rgba(27,58,107,0.3);
}
.podcast-icon {
  flex-shrink: 0;
  width: 96px;
  height: 96px;
  border-radius: 50%;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
}
.podcast-info .section-title--white { margin-bottom: 0.75rem; }


.hero-image-wrap {
  border-radius: 14px;
  overflow: hidden;
  box-shadow: 0 24px 64px rgba(0,0,0,0.35);
}
.hero-image-wrap img { width: 100%; height: 420px; object-fit: cover; }
.hero-image-placeholder {
  width: 100%;
  height: 420px;
  background: rgba(255,255,255,0.08);
  border: 2px dashed rgba(255,255,255,0.25);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.4);
  font-size: 0.85rem;
  text-align: center;
  padding: 2rem;
}

/* ============================================================
   ADVISOR INTRO / SOCIAL PROOF
   ============================================================ */
.advisor-intro { }

/* Outer row: identity group on left, badges on right */
.social-proof-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 3rem;
  flex-wrap: wrap;
}

/* Center group: circular photo + text side by side */
.social-proof-identity {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 2rem;
  flex: 1 1 auto;
}

.advisor-photo-wrap {
  width: 160px;
  height: 160px;
  border-radius: 50%;
  overflow: hidden;
  flex-shrink: 0;
  border: 4px solid var(--navy);
  box-shadow: 0 8px 24px rgba(27,58,107,0.18);
  background: var(--gray-100);
}
.advisor-photo-wrap img { width: 100%; height: 100%; object-fit: cover; }

.social-proof-text { }
.advisor-name { font-family: var(--font-serif); font-size: 2rem; color: var(--navy); line-height: 1.1; }
.advisor-credential { color: var(--blue-mid); font-weight: 700; font-size: 0.9rem; margin: 0.3rem 0 0.6rem; }
.advisor-tagline { font-size: 1rem; color: var(--gray-600); font-style: italic; max-width: 380px; }

/* Right group: Forbes + book, side by side, large */
.social-proof-badges {
  display: flex;
  align-items: center;
  gap: 2.5rem;
  flex-shrink: 0;
}
.social-proof-badge {
  display: block;
  transition: transform 0.15s, box-shadow 0.15s;
  border-radius: 6px;
}
.social-proof-badge:hover { transform: translateY(-3px); box-shadow: 0 8px 24px rgba(0,0,0,0.12); }
.social-proof-badge img {
  display: block;
  height: 140px;
  width: auto;
  border-radius: 6px;
}

/* Book-specific badge: stacks label → cover → cta vertically */
.social-proof-badge--book {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.4rem;
  text-align: center;
}
.book-label {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--navy);
}
.book-cta {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--blue);
  text-decoration: underline;
  text-underline-offset: 2px;
}

/* ============================================================
   SERVICE SECTIONS
   ============================================================ */
.services-section { padding: 0; }
.service-item {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
  padding: 5rem 0;
  border-bottom: 1px solid var(--gray-200);
}
.service-item:last-child { border-bottom: none; }
.service-item--alt .service-image { order: -1; }

.service-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-size: 0.85rem;
  font-weight: 700;
  margin-bottom: 1rem;
}
.service-question {
  font-family: var(--font-serif);
  font-size: 1.65rem;
  color: var(--navy);
  line-height: 1.3;
  margin-bottom: 1rem;
}
.service-body { color: var(--gray-700); line-height: 1.75; font-size: 1rem; }

.service-image-box {
  border-radius: 10px;
  overflow: hidden;
  box-shadow: 0 10px 36px rgba(0,0,0,0.1);
}
.service-image-box img { width: 100%; height: auto; }
.service-image-placeholder {
  width: 100%;
  height: 280px;
  background: var(--blue-light);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  font-weight: 600;
  font-size: 0.88rem;
  text-align: center;
  padding: 2rem;
  border: 2px dashed rgba(27,58,107,0.2);
}

/* ============================================================
   ASSESSMENT CTA BOX
   ============================================================ */
.assessment-box {
  background: var(--blue-light);
  border-radius: 12px;
  border-left: 6px solid var(--navy);
  padding: 3rem;
  text-align: center;
  max-width: 800px;
  margin: 0 auto;
}
.assessment-box .section-title { margin-bottom: 0.75rem; }
.assessment-box p { color: var(--gray-700); margin-bottom: 2rem; font-size: 1.05rem; }

/* ============================================================
   NEWSLETTER
   ============================================================ */
.newsletter { background: var(--navy); color: var(--white); text-align: center; padding: 5rem 0; }
.newsletter .section-title { color: var(--white); }
.newsletter-body { color: rgba(255,255,255,0.82); max-width: 560px; margin: 0 auto 2.25rem; font-size: 1.05rem; }
.newsletter-form {
  display: flex;
  gap: 0.75rem;
  justify-content: center;
  flex-wrap: wrap;
  max-width: 640px;
  margin: 0 auto;
}
.newsletter-form input[type="email"],
.newsletter-form input[type="text"] {
  flex: 1 1 200px;
  min-width: 0;
  padding: 0.85rem 1.2rem;
  border-radius: 4px;
  border: none;
  font-size: 0.95rem;
  font-family: var(--font-sans);
}
.newsletter-form input:focus { outline: 2px solid var(--orange); }
.newsletter-form .formkit-alert {
  list-style: none;
  width: 100%;
  margin: 0.5rem 0 0;
  padding: 0;
  color: var(--white);
  font-weight: 600;
}
.newsletter-form .formkit-alert:empty { display: none; }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer { background: var(--gray-900); color: #94A3B8; }

.footer-main {
  padding: 3.5rem 0 2.5rem;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 3rem;
  border-bottom: 1px solid #1E293B;
}
.footer-brand .site-logo { color: var(--white); margin-bottom: 1rem; }
.footer-brand p { font-size: 0.85rem; line-height: 1.7; color: #94A3B8; }
.footer-col h4 {
  color: var(--white);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 1rem;
}
.footer-col ul li { margin-bottom: 0.5rem; }
.footer-col a { font-size: 0.85rem; color: #94A3B8; transition: color 0.15s; }
.footer-col a:hover { color: var(--white); }

.footer-social { display: flex; gap: 0.7rem; margin-top: 1.25rem; }
.footer-social a {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(255,255,255,0.08);
  color: #94A3B8;
  transition: background 0.15s, color 0.15s, transform 0.15s;
}
.footer-social a:hover { background: var(--orange); color: var(--white); transform: translateY(-2px); }

.footer-disclaimer {
  padding: 2rem 0;
  border-bottom: 1px solid #1E293B;
}
.footer-disclaimer p {
  font-size: 0.75rem;
  line-height: 1.75;
  color: #64748B;
  margin-bottom: 0.75rem;
}
.footer-disclaimer a { color: #94A3B8; text-decoration: underline; }
.footer-disclaimer a:hover { color: var(--white); }

.footer-copyright {
  padding: 1.25rem 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.78rem;
  color: #475569;
  flex-wrap: wrap;
  gap: 0.5rem;
}
.footer-copyright a { color: #64748B; }
.footer-copyright a:hover { color: var(--white); }

/* ============================================================
   PAGE HERO (inner pages)
   ============================================================ */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, #254C8F 100%);
  color: var(--white);
  padding: 4rem 0;
  text-align: center;
}
.page-hero h1 {
  font-family: var(--font-serif);
  font-size: 2.8rem;
  margin-bottom: 0.5rem;
}
.page-hero p { opacity: 0.82; font-size: 1.1rem; }

/* ============================================================
   ABOUT PAGE
   ============================================================ */
.guiding-principles { max-width: 720px; margin: 0 auto 4rem; text-align: center; }
.guiding-principles p { font-size: 1.1rem; color: var(--gray-700); line-height: 1.8; }

.team-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(340px, 1fr)); gap: 2.5rem; }

.team-card {
  background: var(--white);
  border-radius: 14px;
  box-shadow: 0 4px 24px rgba(0,0,0,0.08);
  overflow: hidden;
  transition: transform 0.2s, box-shadow 0.2s;
}
.team-card:hover { transform: translateY(-4px); box-shadow: 0 12px 40px rgba(0,0,0,0.12); }

.team-photo-wrap {
  background: var(--gray-100);
  padding: 2rem 1rem 0;
  display: flex;
  align-items: flex-end;
  justify-content: center;
  color: var(--gray-600);
  font-size: 0.85rem;
}
.team-photo-wrap img {
  width: 240px;
  height: 300px;
  object-fit: cover;
  object-position: top center;
  border-radius: 12px 12px 0 0;
}

.team-card-body { padding: 2rem; }
.team-card-name { font-family: var(--font-serif); font-size: 1.6rem; color: var(--navy); margin-bottom: 0.2rem; }
.team-card-role { color: var(--blue-mid); font-weight: 700; font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 1.25rem; }
.team-card-body p { color: var(--gray-700); font-size: 0.95rem; line-height: 1.75; margin-bottom: 0.75rem; }
.team-card-body p:last-child { margin-bottom: 0; }
.team-detail-label { font-weight: 700; color: var(--navy); }

/* About page — "good fit" list + philosophy box */
.fit-list { list-style: none; max-width: 600px; margin: 0 auto; padding: 0; text-align: left; }
.fit-list li {
  position: relative;
  padding-left: 2.25rem;
  margin-bottom: 1.1rem;
  font-size: 1.05rem;
  line-height: 1.6;
  color: var(--gray-700);
}
.fit-list li::before {
  content: '\2713';
  position: absolute;
  left: 0;
  top: -0.05rem;
  color: var(--orange);
  font-weight: 700;
  font-size: 1.2rem;
}
.philosophy-box {
  max-width: 780px;
  margin: 0 auto;
  background: var(--navy);
  border-radius: 16px;
  padding: 2.75rem 3rem;
  box-shadow: 0 16px 44px rgba(27,58,107,0.25);
}
.philosophy-box p { color: rgba(255,255,255,0.92); font-size: 1.15rem; line-height: 1.85; margin: 0; }

/* Credential chips (About — team card) */
.cred-chips { display: flex; flex-wrap: wrap; gap: 0.45rem; margin: 0.25rem 0 1.25rem; }
.cred-chip {
  display: inline-block;
  background: var(--blue-light);
  color: var(--navy);
  font-size: 0.76rem;
  font-weight: 700;
  padding: 0.35rem 0.8rem;
  border-radius: 6px;
  letter-spacing: 0.02em;
  line-height: 1.4;
}
.cred-chip em { font-style: italic; }

/* Pull-quote (About — origin story) */
.pull-quote {
  font-family: var(--font-serif);
  font-size: 1.55rem;
  line-height: 1.4;
  color: var(--navy);
  text-align: center;
  max-width: 640px;
  margin: 2.25rem auto;
  padding: 1.5rem 0;
  border-top: 2px solid var(--blue-light);
  border-bottom: 2px solid var(--blue-light);
  font-style: italic;
}
@media (max-width: 640px) { .pull-quote { font-size: 1.3rem; } }

/* Two-column "Why I Do This" — story + side quotes */
.why-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 3.5rem; align-items: center; }
.why-text .section-title { margin-bottom: 1rem; }
.pull-quote--side {
  text-align: left;
  border: none;
  border-left: 4px solid var(--orange);
  padding: 0.25rem 0 0.25rem 1.4rem;
  margin: 0 0 1.75rem;
  max-width: none;
  font-size: 1.4rem;
}
.pull-quote--side:last-child { margin-bottom: 0; }
.pull-quote-cite {
  display: block;
  margin-top: 0.9rem;
  font-family: var(--font-sans);
  font-style: normal;
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--gray-600);
}
@media (max-width: 860px) { .why-grid { grid-template-columns: 1fr; gap: 2rem; } }
@media (max-width: 640px) { .pull-quote--side { font-size: 1.2rem; } }
.belief-list { list-style: none; margin: 0; padding: 0; }
.belief-list li {
  position: relative;
  color: rgba(255,255,255,0.94);
  font-size: 1.1rem;
  line-height: 1.6;
  padding: 1.1rem 0 1.1rem 2rem;
  border-bottom: 1px solid rgba(255,255,255,0.15);
}
.belief-list li:first-child { padding-top: 0; }
.belief-list li:last-child { border-bottom: none; padding-bottom: 0; }
.belief-list li::before {
  content: '\2014';
  position: absolute;
  left: 0;
  color: var(--orange);
  font-weight: 700;
}
@media (max-width: 640px) {
  .philosophy-box { padding: 2rem 1.5rem; }
  .philosophy-box p { font-size: 1.05rem; }
}

/* ============================================================
   CONTACT PAGE
   ============================================================ */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 3.5rem;
  align-items: start;
}
.contact-info h3 {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  color: var(--navy);
  margin-bottom: 1.5rem;
}
.contact-detail {
  display: flex;
  gap: 0.9rem;
  align-items: flex-start;
  margin-bottom: 1.25rem;
}
.contact-icon {
  min-width: 20px;
  color: var(--navy);
  margin-top: 0.1rem;
}
.contact-detail-text { color: var(--gray-700); font-size: 0.97rem; }
.contact-detail-text strong { display: block; color: var(--navy); margin-bottom: 0.15rem; }
.contact-detail-text a { color: var(--blue); }
.contact-detail-text a:hover { text-decoration: underline; }

.social-row { display: flex; gap: 0.75rem; margin-top: 1.75rem; }
.social-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  padding: 0.5rem 1rem;
  border-radius: 4px;
  background: var(--navy);
  color: var(--white);
  font-size: 0.82rem;
  font-weight: 600;
  transition: background 0.15s;
}
.social-btn:hover { background: var(--navy-dark); }
.social-btn svg { flex-shrink: 0; }
.social-row .social-btn { flex: 1 1 0; justify-content: center; }
.social-btn--fb { background: #1877F2; }
.social-btn--fb:hover { background: #0E5FD8; }
.social-btn--li { background: #0A66C2; }
.social-btn--li:hover { background: #08518F; }

.contact-form-card {
  background: var(--white);
  border-radius: 14px;
  box-shadow: 0 4px 24px rgba(0,0,0,0.08);
  padding: 2.5rem;
}
.contact-form-card h3 {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  color: var(--navy);
  margin-bottom: 1.75rem;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
.form-group { margin-bottom: 1.25rem; }
.form-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--gray-700);
  margin-bottom: 0.4rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1.5px solid var(--gray-200);
  border-radius: 4px;
  font-size: 0.95rem;
  font-family: var(--font-sans);
  color: var(--text);
  background: var(--white);
  transition: border-color 0.15s;
}
.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus { outline: none; border-color: var(--navy); }
.form-group textarea { resize: vertical; min-height: 130px; }
.form-note { font-size: 0.78rem; color: var(--gray-600); margin-top: 0.75rem; }

/* ============================================================
   BLOG PAGE
   ============================================================ */
.blog-categories {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
  margin-bottom: 2.5rem;
}
.cat-btn {
  padding: 0.4rem 1.1rem;
  border-radius: 20px;
  border: 2px solid var(--gray-200);
  font-size: 0.82rem;
  font-weight: 700;
  cursor: pointer;
  color: var(--gray-700);
  background: var(--white);
  transition: all 0.15s;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.cat-btn.active,
.cat-btn:hover { border-color: var(--navy); color: var(--navy); background: var(--blue-light); }

.blog-list { display: grid; gap: 1.75rem; }
.blog-card {
  background: var(--white);
  border-radius: 12px;
  box-shadow: 0 4px 20px rgba(0,0,0,0.07);
  padding: 2rem 2.5rem;
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 2.5rem;
  align-items: start;
  transition: box-shadow 0.2s;
}
.blog-card:hover { box-shadow: 0 10px 36px rgba(0,0,0,0.12); }
.blog-card-date {
  text-align: center;
  min-width: 70px;
}
.blog-card-date .month {
  display: block;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--blue-mid);
}
.blog-card-date .day {
  display: block;
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
}
.blog-card-date .year {
  display: block;
  font-size: 0.75rem;
  color: var(--gray-600);
}
.blog-card-tag {
  display: inline-block;
  background: var(--blue-light);
  color: var(--navy);
  font-size: 0.72rem;
  font-weight: 700;
  padding: 0.2rem 0.65rem;
  border-radius: 20px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0.5rem;
}
.blog-card-title {
  font-family: var(--font-serif);
  font-size: 1.3rem;
  color: var(--navy);
  line-height: 1.35;
  margin-bottom: 0.5rem;
}
.blog-card-title a:hover { text-decoration: underline; }
.blog-card-excerpt { font-size: 0.95rem; color: var(--gray-700); }
.blog-read-more { color: var(--blue); font-weight: 600; font-size: 0.88rem; display: inline-block; margin-top: 0.75rem; }
.blog-read-more:hover { text-decoration: underline; }

/* ============================================================
   FORM CRS PAGE
   ============================================================ */
.form-crs-intro { max-width: 720px; }
.form-crs-intro p { color: var(--gray-700); margin-bottom: 1rem; font-size: 1rem; line-height: 1.75; }
.doc-viewer {
  background: var(--gray-100);
  border-radius: 10px;
  border: 2px dashed var(--gray-200);
  padding: 3rem;
  text-align: center;
  margin: 2.5rem 0;
}
.doc-viewer h3 {
  font-family: var(--font-serif);
  font-size: 1.4rem;
  color: var(--navy);
  margin-bottom: 0.5rem;
}
.doc-viewer p { color: var(--gray-600); font-size: 0.95rem; margin-bottom: 1.5rem; }

/* ============================================================
   RETIREMENT INSIGHT ASSESSMENT LANDING PAGE
   ============================================================ */
.process-pills {
  display: flex;
  gap: 0.75rem;
  justify-content: center;
  flex-wrap: wrap;
  margin-top: 1.75rem;
}
.process-pill {
  background: rgba(255,255,255,0.14);
  border: 1px solid rgba(255,255,255,0.35);
  color: var(--white);
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  padding: 0.5rem 1.3rem;
  border-radius: 999px;
}

.ideal-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}
.ideal-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 14px;
  padding: 2.5rem 2rem;
  text-align: center;
  box-shadow: 0 4px 20px rgba(15,23,42,0.06);
  transition: transform 0.2s, box-shadow 0.2s;
}
.ideal-card:hover { transform: translateY(-4px); box-shadow: 0 12px 36px rgba(15,23,42,0.12); }
.ideal-icon {
  width: 76px;
  height: 76px;
  border-radius: 50%;
  background: var(--blue-light);
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.25rem;
}
.ideal-card h3 {
  font-family: var(--font-serif);
  font-size: 1.45rem;
  color: var(--navy);
  margin-bottom: 0.6rem;
}
.ideal-card p { color: var(--gray-700); font-size: 0.95rem; line-height: 1.65; }

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}
.step-card {
  background: var(--white);
  border-radius: 14px;
  padding: 2.25rem 2rem;
  box-shadow: 0 4px 20px rgba(15,23,42,0.07);
  position: relative;
}
.step-number {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-family: var(--font-serif);
  font-size: 1.3rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}
.step-card h3 {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  color: var(--navy);
  margin-bottom: 0.75rem;
}
.step-card p { color: var(--gray-700); font-size: 0.93rem; line-height: 1.7; }

.assessment-note {
  text-align: center;
  max-width: 640px;
  margin: 3rem auto 0;
}
.assessment-note p { color: var(--gray-700); font-size: 1rem; line-height: 1.75; margin-bottom: 1.75rem; }

.faq-item {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 10px;
  margin-bottom: 1rem;
  overflow: hidden;
}
.faq-item summary {
  cursor: pointer;
  padding: 1.25rem 1.5rem;
  font-weight: 700;
  font-size: 1.02rem;
  color: var(--navy);
  list-style: none;
  position: relative;
  padding-right: 3rem;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  position: absolute;
  right: 1.5rem;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1.5rem;
  font-weight: 400;
  color: var(--orange);
  transition: transform 0.2s;
}
.faq-item[open] summary::after { content: '\2212'; }
.faq-item summary:hover { background: var(--gray-50); }
.faq-body { padding: 0 1.5rem 1.5rem; color: var(--gray-700); font-size: 0.95rem; line-height: 1.75; }
.faq-body ul { list-style: disc; padding-left: 1.5rem; margin-top: 0.5rem; }
.faq-body li { margin-bottom: 0.4rem; }

.fee-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: 1rem;
  font-size: 0.93rem;
}
.fee-table th, .fee-table td {
  text-align: left;
  padding: 0.65rem 1rem;
  border-bottom: 1px solid var(--gray-200);
}
.fee-table th {
  background: var(--gray-100);
  color: var(--navy);
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.fee-table td:last-child { font-weight: 700; color: var(--navy); }

/* CTA microcopy — small reassurance line under buttons */
.cta-micro {
  display: block;
  margin-top: 0.85rem;
  font-size: 0.82rem;
  opacity: 0.85;
}

/* "Yours to keep" line under deliverable cards */
.deliverables-note {
  text-align: center;
  font-style: italic;
  font-weight: 600;
  color: var(--navy);
  margin-top: 2.25rem;
  font-size: 1.05rem;
}

/* Meet the advisor block */
.meet-advisor {
  display: flex;
  align-items: center;
  gap: 3rem;
  max-width: 880px;
  margin: 0 auto;
}
.meet-advisor-photo {
  width: 180px;
  height: 180px;
  border-radius: 50%;
  overflow: hidden;
  flex-shrink: 0;
  border: 4px solid var(--navy);
  box-shadow: 0 8px 24px rgba(27,58,107,0.18);
}
.meet-advisor-photo img { width: 100%; height: 100%; object-fit: cover; }
.meet-advisor-text .section-title { margin-bottom: 0.75rem; }
.meet-advisor-text p { color: var(--gray-700); font-size: 1rem; line-height: 1.8; }

/* ============================================================
   FORM CRS DOCUMENT
   ============================================================ */
.doc-download-row {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  flex-wrap: wrap;
  margin-top: 1.75rem;
}
.doc-meta { font-size: 0.85rem; color: var(--gray-600); }

.crs-doc { color: var(--gray-700); }
.crs-lede {
  font-size: 0.95rem;
  line-height: 1.75;
  color: var(--gray-700);
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: 8px;
  padding: 1.25rem 1.5rem;
  margin-bottom: 2rem;
}
.crs-heading {
  font-family: var(--font-serif);
  font-size: 1.3rem;
  color: var(--navy);
  line-height: 1.35;
  margin: 2.25rem 0 0.9rem;
  padding-bottom: 0.5rem;
  border-bottom: 2px solid var(--blue-light);
}
.crs-doc p { font-size: 0.95rem; line-height: 1.8; margin-bottom: 1rem; }
.crs-more { font-size: 0.88rem; color: var(--gray-600); font-style: italic; }
.crs-bullets { list-style: disc; padding-left: 1.5rem; margin: 0 0 1rem; }
.crs-bullets li { font-size: 0.95rem; line-height: 1.75; margin-bottom: 0.85rem; }

.crs-discuss {
  background: var(--blue-light);
  border-left: 4px solid var(--navy);
  border-radius: 0 8px 8px 0;
  padding: 1.1rem 1.5rem;
  margin: 1.25rem 0 1.5rem;
}
.crs-discuss-label {
  display: block;
  font-weight: 700;
  color: var(--navy);
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 0.5rem;
}
.crs-discuss ul { list-style: none; padding: 0; }
.crs-discuss li {
  font-size: 0.93rem;
  line-height: 1.7;
  color: var(--gray-700);
  font-style: italic;
  padding-left: 1.25rem;
  position: relative;
  margin-bottom: 0.5rem;
}
.crs-discuss li::before {
  content: '\201C';
  position: absolute;
  left: 0;
  color: var(--navy);
  font-weight: 700;
  font-style: normal;
}
.crs-footer-note {
  margin-top: 2.5rem;
  padding-top: 1.25rem;
  border-top: 1px solid var(--gray-200);
  font-size: 0.82rem !important;
  color: var(--gray-600);
  text-align: center;
}

/* ============================================================
   PRIVACY POLICY PAGE
   ============================================================ */
.privacy-rev { color: var(--gray-600); font-size: 0.85rem; margin-bottom: 1.5rem; }
.privacy-facts {
  font-family: var(--font-serif);
  font-size: 1.6rem;
  color: var(--white);
  background: var(--navy);
  display: inline-block;
  padding: 0.35rem 1.4rem;
  border-radius: 4px;
  letter-spacing: 0.05em;
}
.privacy-q {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  color: var(--navy);
  margin: 1rem 0 2rem;
  line-height: 1.3;
}
.privacy-section-heading {
  font-family: var(--font-serif);
  font-size: 1.35rem;
  color: var(--navy);
  margin: 2.5rem 0 1rem;
}

.privacy-table, .privacy-sharing {
  width: 100%;
  border-collapse: collapse;
  margin-bottom: 1.5rem;
  font-size: 0.93rem;
}
.privacy-table th, .privacy-table td,
.privacy-sharing th, .privacy-sharing td {
  border: 1px solid var(--gray-200);
  padding: 0.9rem 1rem;
  text-align: left;
  vertical-align: top;
  line-height: 1.6;
  color: var(--gray-700);
}
.privacy-table th {
  width: 32%;
  background: var(--gray-50);
  color: var(--navy);
  font-weight: 700;
}
.privacy-sharing th {
  background: var(--navy);
  color: var(--white);
  font-weight: 700;
  font-size: 0.85rem;
}
.privacy-sharing td:nth-child(2),
.privacy-sharing td:nth-child(3) {
  text-align: center;
  font-weight: 700;
  color: var(--navy);
  white-space: nowrap;
  width: 18%;
}
.privacy-table ul, .privacy-sharing ul {
  list-style: disc;
  padding-left: 1.4rem;
  margin-top: 0.5rem;
}
.privacy-table li { margin-bottom: 0.3rem; }

.privacy-callout {
  background: var(--blue-light);
  border-left: 4px solid var(--navy);
  border-radius: 0 8px 8px 0;
  padding: 1.5rem;
  margin: 2rem 0;
  font-size: 0.9rem;
  line-height: 1.7;
  color: var(--gray-700);
}
.privacy-callout p { margin-bottom: 0.75rem; }
.privacy-callout p:last-child { margin-bottom: 0; }
.privacy-callout a { color: var(--blue); word-break: break-all; }

.privacy-questions { font-size: 1rem; color: var(--navy); margin: 1.5rem 0; }
.privacy-divider { border: none; border-top: 2px solid var(--gray-200); margin: 3rem 0; }

@media (max-width: 640px) {
  .privacy-table th { width: 40%; }
  .privacy-sharing th, .privacy-sharing td { font-size: 0.8rem; padding: 0.6rem; }
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .hero-title { font-size: 3rem; }
  .service-item { gap: 2.5rem; }
}

@media (max-width: 1024px) {
  .questions-grid { grid-template-columns: 1fr; max-width: 620px; margin: 0 auto; }
  .question-card-image img { height: 230px; }
  .ideal-grid, .steps-grid { grid-template-columns: 1fr; max-width: 560px; margin: 0 auto; }
}

@media (max-width: 860px) {
  .hero .container { grid-template-columns: 1fr; text-align: center; }
  .hero-title { font-size: 2.6rem; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .podcast-card { flex-direction: column; align-items: center; text-align: center; padding: 2.5rem 1.75rem; }
  .meet-advisor { flex-direction: column; text-align: center; gap: 1.75rem; }
  .social-proof-row { flex-direction: column; text-align: center; }
  .social-proof-identity { flex-direction: column; text-align: center; }
  .advisor-tagline { max-width: none; }
  .hero-subtitle { font-size: 1.5rem; }
  .hero-actions { justify-content: center; }
  .hero-image-wrap, .hero-image-placeholder { max-width: 480px; margin: 0 auto; }

  .service-item { grid-template-columns: 1fr; gap: 2rem; }
  .service-item--alt .service-image { order: 0; }

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

  .footer-main { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }

  .blog-card { grid-template-columns: 1fr; gap: 0.75rem; }
  .blog-card-date { display: flex; gap: 0.5rem; align-items: baseline; }
  .blog-card-date .day { font-size: 1.4rem; }
}

@media (max-width: 640px) {
  .main-nav { display: none; position: absolute; top: 100%; left: 0; right: 0; background: var(--white); box-shadow: 0 8px 24px rgba(0,0,0,0.1); padding: 1rem 1.5rem 1.5rem; }
  .main-nav.open { display: block; }
  .main-nav ul { flex-direction: column; gap: 0; }
  .main-nav a { display: block; padding: 0.75rem 0; border-bottom: 1px solid var(--gray-100); border-right: none; font-size: 1rem; }
  .nav-cta { text-align: center; margin-top: 0.5rem; border-radius: 4px; }
  .menu-toggle { display: flex; }
  .site-header { position: relative; }
  .header-inner { position: relative; flex-wrap: wrap; }

  .hero { padding: 4rem 0; }
  .hero-title { font-size: 2.2rem; }
  .hero-subtitle { font-size: 1.3rem; }
  .section { padding: 3.5rem 0; }

  .form-row { grid-template-columns: 1fr; }
  .footer-main { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; gap: 0.5rem; }
  .stat-number { font-size: 1.5rem; }
  .hero-eyebrow { font-size: 0.68rem; padding: 0.4rem 0.9rem; }
  .top-bar .container { justify-content: center; flex-wrap: wrap; gap: 0.75rem; }
  .footer-copyright { justify-content: center; text-align: center; }
}
