@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,500;0,600;0,700;1,400;1,500&family=Cormorant+Garamond:ital,wght@0,300;0,400;0,500;1,300;1,400&family=DM+Sans:wght@300;400;500&display=swap');

:root {
  --navy:       #0d1b2a;
  --navy-mid:   #162840;
  --navy-light: #1e3a52;
  --gold:       #c9a84c;
  --gold-light: #e2c47a;
  --gold-pale:  #f5e9c8;
  --cream:      #faf6ef;
  --cream-dark: #f0e9dd;
  --sage:       #7a9e87;
  --white:      #ffffff;
  --text-dark:  #1a1a2e;
  --text-mid:   #4a5568;
  --text-light: #8a9ab0;
  --font-display: 'Playfair Display', Georgia, serif;
  --font-serif:   'Cormorant Garamond', Georgia, serif;
  --font-sans:    'DM Sans', system-ui, sans-serif;
  --transition: 0.35s cubic-bezier(0.4, 0, 0.2, 1);
  --radius: 4px;
  --shadow-sm: 0 2px 12px rgba(13,27,42,0.08);
  --shadow-md: 0 8px 32px rgba(13,27,42,0.14);
  --shadow-lg: 0 24px 64px rgba(13,27,42,0.2);
}

*,*::before,*::after { box-sizing:border-box; margin:0; padding:0; }
html { scroll-behavior:smooth; font-size:16px; }
body { font-family:var(--font-sans); background-color:var(--cream); color:var(--text-dark); line-height:1.6; overflow-x:hidden; }
::selection { background:var(--gold-pale); color:var(--navy); }
img { max-width:100%; display:block; }
a   { color:inherit; text-decoration:none; }

.container { width:100%; max-width:1180px; margin:0 auto; padding:0 2rem; }

.gold-line { display:block; width:56px; height:2px; background:linear-gradient(90deg,var(--gold),var(--gold-light)); margin:0 auto 1.5rem; }
.gold-line--left { margin-left:0; }

@keyframes fadeUp {
  from { opacity:0; transform:translateY(28px); }
  to   { opacity:1; transform:translateY(0); }
}
@keyframes fadeIn { from{opacity:0;} to{opacity:1;} }
@keyframes scrollPulse {
  0%,100%{opacity:.4;transform:scaleY(1);}
  50%{opacity:.9;transform:scaleY(1.15);}
}

.fade-up { opacity:0; animation:fadeUp 0.8s var(--transition) forwards; }
.fade-up--delay-1 { animation-delay:.15s; }
.fade-up--delay-2 { animation-delay:.30s; }
.fade-up--delay-3 { animation-delay:.45s; }

/* ── Nav ── */
.nav { position:fixed; top:0; left:0; right:0; z-index:100; padding:1.25rem 0; transition:background var(--transition),box-shadow var(--transition),padding var(--transition); }
.nav.scrolled { background:rgba(13,27,42,0.97); backdrop-filter:blur(12px); box-shadow:0 2px 20px rgba(0,0,0,.25); padding:.85rem 0; }
.nav__inner { display:flex; align-items:center; justify-content:space-between; }
.nav__logo { display:flex; flex-direction:column; line-height:1; }
.nav__logo-name { font-family:var(--font-display); font-size:1.2rem; font-weight:600; color:var(--white); letter-spacing:.02em; }
.nav__logo-tagline { font-family:var(--font-sans); font-size:.6rem; font-weight:300; color:var(--gold-light); letter-spacing:.22em; text-transform:uppercase; margin-top:2px; }
.nav__links { display:flex; gap:1.75rem; list-style:none; }
.nav__links a { font-family:var(--font-sans); font-size:.72rem; font-weight:400; letter-spacing:.1em; text-transform:uppercase; color:rgba(255,255,255,.8); transition:color var(--transition); position:relative; }
.nav__links a::after { content:''; position:absolute; bottom:-3px; left:0; width:0; height:1px; background:var(--gold); transition:width var(--transition); }
.nav__links a:hover { color:var(--gold-light); }
.nav__links a:hover::after { width:100%; }
.nav__cta { font-family:var(--font-sans); font-size:.68rem!important; font-weight:500; letter-spacing:.1em!important; text-transform:uppercase; color:var(--navy)!important; background:linear-gradient(135deg,var(--gold),var(--gold-light)); padding:.5rem 1.1rem; border-radius:var(--radius); transition:opacity var(--transition),transform var(--transition)!important; white-space:nowrap; }
.nav__cta::after { display:none!important; }
.nav__cta:hover { opacity:.88; transform:translateY(-1px); }
.nav__hamburger { display:none; flex-direction:column; gap:5px; cursor:pointer; padding:4px; background:none; border:none; }
.nav__hamburger span { display:block; width:24px; height:2px; background:var(--white); border-radius:2px; }

/* ── Mobile Menu ── */
.mobile-menu { position:fixed; inset:0; background:var(--navy); z-index:200; display:flex; flex-direction:column; align-items:center; justify-content:center; gap:2rem; opacity:0; pointer-events:none; transition:opacity .3s ease; }
.mobile-menu.open { opacity:1; pointer-events:all; }
.mobile-menu a { font-family:var(--font-display); font-size:1.8rem; font-weight:500; color:var(--white); transition:color var(--transition); }
.mobile-menu a:hover { color:var(--gold); }
.mobile-menu__close { position:absolute; top:1.5rem; right:2rem; font-size:2rem; color:var(--white); background:none; border:none; cursor:pointer; }

/* ── Hero ── */
.hero { position:relative; min-height:100vh; display:flex; align-items:center; overflow:hidden; background:var(--navy); }
.hero__bg { position:absolute; inset:0; background: radial-gradient(ellipse 80% 60% at 65% 40%,rgba(201,168,76,.12) 0%,transparent 60%), radial-gradient(ellipse 60% 80% at 20% 70%,rgba(122,158,135,.1) 0%,transparent 50%), linear-gradient(160deg,#0d1b2a 0%,#162840 50%,#0a1520 100%); }
.hero__bg::before { content:''; position:absolute; top:-10%; right:-5%; width:55vw; height:110vh; border:1px solid rgba(201,168,76,.12); border-radius:50%; transform:rotate(-15deg); }
.hero__bg::after { content:''; position:absolute; bottom:-15%; right:5%; width:40vw; height:90vh; border:1px solid rgba(201,168,76,.07); border-radius:50%; transform:rotate(20deg); }
.hero__noise { position:absolute; inset:0; opacity:.025; background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noise'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noise)'/%3E%3C/svg%3E"); background-size:200px; }
.hero__content { position:relative; z-index:2; padding:9rem 0 5rem; max-width:680px; }
.hero__eyebrow { display:inline-flex; align-items:center; gap:.75rem; font-family:var(--font-sans); font-size:.7rem; font-weight:500; letter-spacing:.28em; text-transform:uppercase; color:var(--gold); margin-bottom:1.75rem; }
.hero__eyebrow::before { content:''; display:block; width:32px; height:1px; background:var(--gold); }
.hero__headline { font-family:var(--font-display); font-size:clamp(2.8rem,6vw,4.8rem); font-weight:500; line-height:1.1; color:var(--white); margin-bottom:1.75rem; }
.hero__headline em { font-style:italic; color:var(--gold-light); }
.hero__break-mobile { display:none; }
.hero__sub { font-family:var(--font-serif); font-size:clamp(1.05rem,2vw,1.25rem); font-weight:300; color:rgba(255,255,255,.72); line-height:1.7; margin-bottom:2.5rem; max-width:520px; }
.hero__actions { display:flex; gap:1rem; flex-wrap:wrap; }
.hero__brand-mark { position:absolute; z-index:1; right:clamp(1.25rem,6vw,7.5rem); top:52%; width:clamp(380px,33vw,520px); transform:translateY(-50%); opacity:.16; pointer-events:none; filter:drop-shadow(0 16px 42px rgba(0,0,0,.14)) saturate(.96); }
.hero__brand-mark img { width:100%; height:auto; }
.hero__scroll { position:absolute; bottom:2.5rem; left:50%; transform:translateX(-50%); z-index:2; display:flex; flex-direction:column; align-items:center; gap:.5rem; animation:fadeIn 1s 1.2s ease forwards; opacity:0; }
.hero__scroll span { font-size:.6rem; letter-spacing:.2em; text-transform:uppercase; color:rgba(255,255,255,.4); }
.hero__scroll-line { width:1px; height:40px; background:linear-gradient(to bottom,rgba(255,255,255,.4),transparent); animation:scrollPulse 2s ease-in-out infinite; }

/* ── Buttons ── */
.btn { display:inline-flex; align-items:center; gap:.5rem; font-family:var(--font-sans); font-size:.78rem; font-weight:500; letter-spacing:.14em; text-transform:uppercase; border:none; cursor:pointer; padding:.9rem 2rem; border-radius:var(--radius); transition:all var(--transition); white-space:nowrap; }
.btn svg { width:16px; height:16px; flex-shrink:0; }
.btn--gold { background:linear-gradient(135deg,var(--gold) 0%,var(--gold-light) 100%); color:var(--navy); }
.btn--gold:hover { transform:translateY(-2px); box-shadow:0 8px 24px rgba(201,168,76,.35); }
.btn--outline { background:transparent; border:1px solid rgba(255,255,255,.3); color:var(--white); }
.btn--outline:hover { border-color:var(--gold); color:var(--gold-light); transform:translateY(-2px); }
.btn--navy { background:var(--navy); color:var(--white); }
.btn--navy:hover { background:var(--navy-mid); transform:translateY(-2px); box-shadow:var(--shadow-md); }

/* ── Trust Bar ── */
.trust-bar { background:var(--navy-mid); border-top:1px solid rgba(201,168,76,.15); border-bottom:1px solid rgba(201,168,76,.15); padding:1.4rem 0; }
.trust-bar__inner { display:flex; align-items:center; justify-content:center; gap:3rem; flex-wrap:wrap; }
.trust-bar__item { display:flex; align-items:center; gap:.65rem; font-family:var(--font-sans); font-size:.75rem; letter-spacing:.12em; text-transform:uppercase; color:rgba(255,255,255,.6); }
.trust-bar__item svg { width:16px; height:16px; flex-shrink:0; }

/* ── Section Base ── */
section { padding:7rem 0; }
.section-label { font-family:var(--font-sans); font-size:.68rem; font-weight:500; letter-spacing:.28em; text-transform:uppercase; color:var(--gold); margin-bottom:1rem; }
.section-title { font-family:var(--font-display); font-size:clamp(2rem,4vw,3rem); font-weight:500; line-height:1.2; color:var(--navy); margin-bottom:1.25rem; }
.section-title--light { color:var(--white); }
.section-sub { font-family:var(--font-serif); font-size:1.1rem; font-weight:300; color:var(--text-mid); line-height:1.75; max-width:560px; }
.section-sub--light { color:rgba(255,255,255,.7); }

/* ── About ── */
.about { background:var(--white); overflow:hidden; }
.about__grid { display:grid; grid-template-columns:1fr 1fr; gap:5rem; align-items:center; }
.about__image-wrap { position:relative; }
.about__image-frame { position:relative; border-radius:2px; overflow:hidden; aspect-ratio:4/5; background:var(--cream-dark); }
.about__image-frame img { width:100%; height:100%; object-fit:cover; }
.about__image-frame.has-photo img { filter:saturate(1.02) contrast(1.02); }
.about__image-frame::before { content:''; position:absolute; inset:0; background:linear-gradient(135deg,rgba(201,168,76,.12),transparent 60%); z-index:1; pointer-events:none; }
.about__placeholder { width:100%; height:100%; display:flex; flex-direction:column; align-items:center; justify-content:center; background:linear-gradient(160deg,var(--navy-light),var(--navy)); color:rgba(255,255,255,.6); font-family:var(--font-serif); font-size:1.1rem; letter-spacing:.05em; gap:1rem; }
.about__placeholder svg { width:48px; height:48px; opacity:.7; }
.about__accent-box { position:absolute; bottom:-1.5rem; right:-1.5rem; background:linear-gradient(135deg,var(--gold),var(--gold-light)); padding:1.5rem 2rem; border-radius:2px; z-index:2; box-shadow:var(--shadow-md); }
.about__accent-number { font-family:var(--font-display); font-size:2.5rem; font-weight:700; color:var(--navy); line-height:1; }
.about__accent-label { font-family:var(--font-sans); font-size:.68rem; letter-spacing:.14em; text-transform:uppercase; color:var(--navy-mid); margin-top:4px; }
.about__corner-line { position:absolute; top:-1rem; left:-1rem; width:60px; height:60px; border-top:2px solid var(--gold); border-left:2px solid var(--gold); border-radius:1px; }
.about__quote { font-family:var(--font-display); font-size:1.4rem; font-style:italic; font-weight:400; color:var(--navy); line-height:1.5; margin:1.5rem 0; padding-left:1.5rem; border-left:3px solid var(--gold); }
.about__body { font-family:var(--font-sans); font-size:.95rem; color:var(--text-mid); line-height:1.85; margin-bottom:1rem; }
.about__sig { font-family:var(--font-display); font-size:1.8rem; font-style:italic; color:var(--gold); margin-top:1.75rem; }

/* ── Services ── */
.services { background:var(--cream); }
.services__header { text-align:center; margin-bottom:4rem; }
.services__grid { display:grid; grid-template-columns:repeat(6,1fr); gap:1.5rem; }
.service-card { grid-column:span 2; background:var(--white); border:1px solid rgba(201,168,76,.15); border-radius:2px; padding:2.5rem 2rem; position:relative; overflow:hidden; transition:transform var(--transition),box-shadow var(--transition),border-color var(--transition); }
.service-card:nth-last-child(2) { grid-column:2 / span 2; }
.service-card:last-child { grid-column:4 / span 2; }
.service-card::before { content:''; position:absolute; top:0; left:0; right:0; height:3px; background:linear-gradient(90deg,var(--gold),var(--gold-light)); transform:scaleX(0); transform-origin:left; transition:transform var(--transition); }
.service-card:hover { transform:translateY(-6px); box-shadow:var(--shadow-md); border-color:rgba(201,168,76,.35); }
.service-card:hover::before { transform:scaleX(1); }
.service-card__icon { width:52px; height:52px; background:linear-gradient(135deg,rgba(201,168,76,.15),rgba(201,168,76,.05)); border:1px solid rgba(201,168,76,.25); border-radius:50%; display:flex; align-items:center; justify-content:center; margin-bottom:1.5rem; }
.service-card__icon svg { width:22px; height:22px; }
.service-card__title { font-family:var(--font-display); font-size:1.25rem; font-weight:600; color:var(--navy); margin-bottom:.75rem; }
.service-card__body { font-family:var(--font-sans); font-size:.88rem; color:var(--text-mid); line-height:1.8; margin-bottom:1.5rem; }
.service-card__link { font-family:var(--font-sans); font-size:.72rem; font-weight:500; letter-spacing:.14em; text-transform:uppercase; color:var(--gold); display:inline-flex; align-items:center; gap:.4rem; transition:gap var(--transition); }
.service-card__link:hover { gap:.7rem; }
.service-card__link svg { width:14px; height:14px; }

/* ── Process ── */
.process { background:var(--navy); position:relative; overflow:hidden; }
.process::before { content:''; position:absolute; top:-20%; right:-10%; width:50vw; height:140%; background:radial-gradient(ellipse,rgba(201,168,76,.06) 0%,transparent 70%); pointer-events:none; }
.process__header { text-align:center; margin-bottom:4.5rem; }
.process__steps { display:grid; grid-template-columns:repeat(4,1fr); position:relative; }
.process__steps::before { content:''; position:absolute; top:2.5rem; left:calc(12.5% + 1.5rem); right:calc(12.5% + 1.5rem); height:1px; background:linear-gradient(90deg,transparent,var(--gold),transparent); opacity:.4; }
.process-step { text-align:center; padding:0 1.5rem; }
.process-step__num { width:5rem; height:5rem; border:1px solid rgba(201,168,76,.4); border-radius:50%; display:flex; align-items:center; justify-content:center; margin:0 auto 1.5rem; font-family:var(--font-display); font-size:1.5rem; font-weight:500; color:var(--gold); background:rgba(201,168,76,.05); position:relative; z-index:1; }
.process-step__title { font-family:var(--font-display); font-size:1.1rem; font-weight:600; color:var(--white); margin-bottom:.75rem; }
.process-step__body { font-family:var(--font-sans); font-size:.85rem; color:rgba(255,255,255,.55); line-height:1.8; }

/* ── Benefits / IUL ── */
.benefits { background:var(--white); }
.benefits__grid { display:grid; grid-template-columns:1fr 1fr; gap:5rem; align-items:center; }
.benefits__list { list-style:none; display:flex; flex-direction:column; gap:1.5rem; margin-top:2rem; }
.benefit-item { display:flex; gap:1.25rem; align-items:flex-start; }
.benefit-item__icon { flex-shrink:0; width:40px; height:40px; background:linear-gradient(135deg,var(--gold),var(--gold-light)); border-radius:50%; display:flex; align-items:center; justify-content:center; margin-top:2px; }
.benefit-item__icon svg { width:18px; height:18px; }
.benefit-item__text strong { display:block; font-family:var(--font-display); font-size:1.05rem; font-weight:600; color:var(--navy); margin-bottom:.3rem; }
.benefit-item__text span { font-size:.88rem; color:var(--text-mid); line-height:1.7; }
.benefits__visual { position:relative; }
.benefits__card-stack { position:relative; height:480px; }
.stat-card { position:absolute; background:var(--white); border:1px solid rgba(201,168,76,.2); border-radius:4px; padding:1.75rem; box-shadow:var(--shadow-md); }
.stat-card--main { top:0; left:0; right:0; background:linear-gradient(145deg,var(--navy),var(--navy-light)); border-color:rgba(201,168,76,.3); }
.stat-card--overlay1 { bottom:3rem; right:-1.5rem; width:220px; }
.stat-card--overlay2 { bottom:0; left:-1rem; width:200px; }
.stat-card__label { font-size:.65rem; letter-spacing:.18em; text-transform:uppercase; color:var(--gold); margin-bottom:.5rem; }
.stat-card__value { font-family:var(--font-display); font-size:2.2rem; font-weight:600; color:var(--white); line-height:1; }
.stat-card--main .stat-card__sub { font-family:var(--font-sans); font-size:.82rem; color:rgba(255,255,255,.6); margin-top:.5rem; line-height:1.5; }
.stat-card--overlay1 .stat-card__value,.stat-card--overlay2 .stat-card__value { color:var(--navy); font-size:1.6rem; }
.stat-card--overlay1 .stat-card__sub,.stat-card--overlay2 .stat-card__sub { font-size:.78rem; color:var(--text-mid); margin-top:.35rem; }

/* ── Annuity ── */
.annuity { background:var(--cream-dark); position:relative; overflow:hidden; }
.annuity::before { content:''; position:absolute; top:0; right:0; width:40%; height:100%; background:linear-gradient(to left,rgba(201,168,76,.05),transparent); pointer-events:none; }
.annuity__grid { display:grid; grid-template-columns:1fr 1fr; gap:5rem; align-items:start; }
.annuity__types { display:flex; flex-direction:column; gap:1.25rem; margin-top:2.5rem; }
.annuity-type { background:var(--white); border:1px solid rgba(201,168,76,.18); border-radius:2px; padding:1.5rem; transition:box-shadow var(--transition),border-color var(--transition); }
.annuity-type:hover { box-shadow:var(--shadow-sm); border-color:rgba(201,168,76,.4); }
.annuity-type__badge { display:inline-block; font-size:.62rem; font-weight:500; letter-spacing:.16em; text-transform:uppercase; color:var(--navy); background:linear-gradient(135deg,var(--gold),var(--gold-light)); padding:.25rem .7rem; border-radius:2px; margin-bottom:.75rem; }
.annuity-type__title { font-family:var(--font-display); font-size:1.1rem; font-weight:600; color:var(--navy); margin-bottom:.5rem; }
.annuity-type__body { font-size:.86rem; color:var(--text-mid); line-height:1.75; }
.annuity__benefits-title { font-family:var(--font-display); font-size:1.5rem; font-weight:600; color:var(--navy); margin-bottom:1.5rem; }
.annuity__benefits-title em { font-style:italic; color:var(--gold); }
.annuity__benefit-list { list-style:none; display:flex; flex-direction:column; gap:1.25rem; }
.annuity__benefit-item { display:flex; gap:1rem; align-items:flex-start; }
.annuity__benefit-icon { flex-shrink:0; width:36px; height:36px; background:linear-gradient(135deg,rgba(201,168,76,.18),rgba(201,168,76,.06)); border:1px solid rgba(201,168,76,.28); border-radius:50%; display:flex; align-items:center; justify-content:center; }
.annuity__benefit-icon svg { width:16px; height:16px; }
.annuity__benefit-text strong { display:block; font-family:var(--font-sans); font-size:.9rem; font-weight:500; color:var(--navy); margin-bottom:.2rem; }
.annuity__benefit-text span { font-size:.84rem; color:var(--text-mid); line-height:1.7; }
.annuity__callout { margin-top:2.5rem; background:linear-gradient(135deg,var(--navy),var(--navy-light)); border-radius:4px; padding:1.75rem; position:relative; overflow:hidden; }
.annuity__callout::before { content:'"'; position:absolute; top:-.5rem; right:1rem; font-family:var(--font-display); font-size:8rem; color:rgba(201,168,76,.12); line-height:1; pointer-events:none; }
.annuity__callout p { font-family:var(--font-serif); font-size:1rem; font-style:italic; color:rgba(255,255,255,.85); line-height:1.75; position:relative; z-index:1; }
.annuity__callout-sig { font-family:var(--font-sans); font-size:.72rem; letter-spacing:.14em; text-transform:uppercase; color:var(--gold); margin-top:.75rem; position:relative; z-index:1; }

/* ── Legacy Path Page ── */
.opportunity-hero { position:relative; min-height:88vh; display:flex; align-items:center; overflow:hidden; background:var(--navy); padding:8rem 0 5rem; }
.opportunity-hero__grid { position:relative; z-index:2; display:grid; grid-template-columns:1.05fr .75fr; gap:4rem; align-items:center; }
.opportunity-hero__content { max-width:680px; }
.opportunity-hero__panel { position:relative; background:rgba(13,27,42,.58); border:1px solid rgba(201,168,76,.24); border-radius:4px; padding:2rem; box-shadow:var(--shadow-lg); overflow:hidden; backdrop-filter:blur(14px); }
.opportunity-hero__panel::before { content:''; position:absolute; inset:0; background:linear-gradient(135deg,rgba(201,168,76,.1),transparent 52%); pointer-events:none; }
.opportunity-hero__mark { width:min(220px,70%); margin:0 auto 1.5rem; opacity:.2; filter:drop-shadow(0 16px 42px rgba(0,0,0,.24)); }
.opportunity-hero__panel-label { position:relative; font-family:var(--font-sans); font-size:.68rem; font-weight:500; letter-spacing:.2em; text-transform:uppercase; color:var(--gold); margin-bottom:1.25rem; }
.opportunity-hero__list { position:relative; list-style:none; display:flex; flex-direction:column; gap:1rem; }
.opportunity-hero__list li { color:rgba(255,255,255,.72); font-family:var(--font-serif); font-size:1.08rem; line-height:1.65; padding-left:1.35rem; position:relative; }
.opportunity-hero__list li::before { content:''; position:absolute; left:0; top:.75rem; width:6px; height:6px; border-radius:50%; background:var(--gold); box-shadow:0 0 0 4px rgba(201,168,76,.12); }
.opportunity-values { background:var(--cream); }
.opportunity-values__grid { display:grid; grid-template-columns:repeat(3,1fr); gap:1.5rem; }
.opportunity-card { background:var(--white); border:1px solid rgba(201,168,76,.15); border-radius:2px; padding:2rem; box-shadow:var(--shadow-sm); transition:transform var(--transition),box-shadow var(--transition),border-color var(--transition); }
.opportunity-card:hover { transform:translateY(-5px); box-shadow:var(--shadow-md); border-color:rgba(201,168,76,.34); }
.opportunity-card__num { display:inline-flex; align-items:center; justify-content:center; width:3.25rem; height:3.25rem; border:1px solid rgba(201,168,76,.4); border-radius:50%; font-family:var(--font-display); font-size:1.1rem; color:var(--gold); margin-bottom:1.25rem; }
.opportunity-card h3 { font-family:var(--font-display); font-size:1.25rem; font-weight:600; color:var(--navy); margin-bottom:.7rem; }
.opportunity-card p { font-size:.9rem; color:var(--text-mid); line-height:1.8; }
.opportunity-fit { background:linear-gradient(135deg,var(--navy) 0%,var(--navy-light) 100%); position:relative; overflow:hidden; }
.opportunity-fit::before { content:''; position:absolute; top:-45%; right:-15%; width:60vw; height:150%; background:radial-gradient(ellipse,rgba(201,168,76,.08),transparent 68%); pointer-events:none; }
.opportunity-fit__grid { position:relative; z-index:1; display:grid; grid-template-columns:.85fr 1fr; gap:4rem; align-items:start; }
.opportunity-fit__list { display:flex; flex-direction:column; gap:1rem; }
.opportunity-fit__item { background:rgba(255,255,255,.05); border:1px solid rgba(201,168,76,.16); border-radius:4px; padding:1.35rem 1.5rem; }
.opportunity-fit__item strong { display:block; font-family:var(--font-display); font-size:1.1rem; font-weight:600; color:var(--white); margin-bottom:.35rem; }
.opportunity-fit__item span { display:block; font-size:.88rem; color:rgba(255,255,255,.62); line-height:1.75; }
.opportunity-contact { background:var(--white); }

/* ── Testimonials ── */
.testimonials { background:var(--white); }
.testimonials__header { text-align:center; margin-bottom:4rem; }
.testimonials__grid { display:grid; grid-template-columns:repeat(3,1fr); gap:1.5rem; }
.testimonial-card { background:var(--cream); border-radius:2px; padding:2rem; border:1px solid rgba(201,168,76,.12); }
.testimonial-card__stars { color:var(--gold); font-size:.75rem; letter-spacing:.1em; margin-bottom:.25rem; }
.testimonial-card__quote-mark { font-family:var(--font-display); font-size:4rem; line-height:1; color:var(--gold); opacity:.25; margin-bottom:-.75rem; }
.testimonial-card__text { font-family:var(--font-serif); font-size:1rem; font-style:italic; color:var(--text-dark); line-height:1.8; margin-bottom:1.5rem; }
.testimonial-card__author { display:flex; align-items:center; gap:.85rem; }
.testimonial-card__avatar { width:40px; height:40px; border-radius:50%; background:linear-gradient(135deg,var(--navy),var(--navy-light)); display:flex; align-items:center; justify-content:center; font-family:var(--font-display); font-size:.9rem; font-weight:600; color:var(--gold); flex-shrink:0; }
.testimonial-card__name { font-family:var(--font-sans); font-size:.85rem; font-weight:500; color:var(--navy); }
.testimonial-card__detail { font-size:.75rem; color:var(--text-light); margin-top:1px; }

/* ── CTA Banner ── */
.cta-banner { background:linear-gradient(135deg,var(--navy) 0%,var(--navy-light) 100%); position:relative; overflow:hidden; text-align:center; padding:6rem 0; }
.cta-banner::before { content:''; position:absolute; top:-50%; left:-10%; width:50%; height:200%; background:radial-gradient(ellipse,rgba(201,168,76,.1) 0%,transparent 70%); }
.cta-banner__title { font-family:var(--font-display); font-size:clamp(2rem,4vw,3.2rem); font-weight:500; color:var(--white); line-height:1.2; margin-bottom:1.25rem; }
.cta-banner__title em { font-style:italic; color:var(--gold-light); }
.cta-banner__sub { font-family:var(--font-serif); font-size:1.1rem; color:rgba(255,255,255,.65); margin:0 auto 2.5rem; max-width:500px; line-height:1.7; }
.cta-banner__actions { display:flex; justify-content:center; gap:1rem; flex-wrap:wrap; }

/* ── Contact ── */
.contact { background:var(--cream); }
.contact__grid { display:grid; grid-template-columns:1fr 1.4fr; gap:5rem; align-items:start; }
.contact__detail { display:flex; align-items:flex-start; gap:1rem; margin-top:1.5rem; }
.contact__detail-icon { width:44px; height:44px; background:linear-gradient(135deg,rgba(201,168,76,.15),rgba(201,168,76,.05)); border:1px solid rgba(201,168,76,.3); border-radius:50%; display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.contact__detail-icon svg { width:18px; height:18px; }
.contact__detail-label { font-size:.68rem; letter-spacing:.14em; text-transform:uppercase; color:var(--gold); margin-bottom:.25rem; }
.contact__detail-value { font-family:var(--font-sans); font-size:.92rem; color:var(--text-dark); }
.contact-form { background:var(--white); border:1px solid rgba(201,168,76,.15); border-radius:2px; padding:2.5rem; box-shadow:var(--shadow-sm); position:relative; }
.contact-form__title { font-family:var(--font-display); font-size:1.4rem; font-weight:600; color:var(--navy); margin-bottom:1.75rem; }
.form-row { display:grid; grid-template-columns:1fr 1fr; gap:1rem; }
.form-group { margin-bottom:1.25rem; }
.form-group label { display:block; font-size:.72rem; font-weight:500; letter-spacing:.1em; text-transform:uppercase; color:var(--text-mid); margin-bottom:.45rem; }
.form-group input,.form-group select,.form-group textarea { width:100%; font-family:var(--font-sans); font-size:.92rem; color:var(--text-dark); background:var(--cream); border:1px solid rgba(201,168,76,.2); border-radius:var(--radius); padding:.75rem 1rem; transition:border-color var(--transition),box-shadow var(--transition); outline:none; appearance: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,.1); background:var(--white); }
.form-group textarea { min-height:110px; resize:vertical; }
.form-group select { 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='%23c9a84c' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); background-repeat:no-repeat; background-position:right 1rem center; padding-right:2.5rem; cursor:pointer; }
.turnstile-field { margin-bottom:1rem; min-height:65px; display:flex; align-items:center; overflow:hidden; }
.form-submit { width:100%; justify-content:center; font-size:.8rem; padding:1rem; }
.form-submit:disabled { cursor:wait; opacity:.76; transform:none; }
.form-note { font-size:.72rem; color:var(--text-light); text-align:center; margin-top:.75rem; }
.form-honey { position:absolute; left:-9999px; width:1px; height:1px; opacity:0; pointer-events:none; }

/* ── Footer ── */
.footer { background:var(--navy); padding:4rem 0 2rem; border-top:1px solid rgba(201,168,76,.12); }
.footer__grid { display:grid; grid-template-columns:1.5fr 1fr 1fr 1fr; gap:3rem; margin-bottom:3rem; }
.footer__logo { display:inline-flex; width:min(180px,100%); margin-bottom:1.15rem; opacity:.96; transition:opacity var(--transition),transform var(--transition); }
.footer__logo:hover { opacity:1; transform:translateY(-1px); }
.footer__logo img { width:100%; height:auto; filter:drop-shadow(0 12px 28px rgba(0,0,0,.22)); }
.footer__brand-name { font-family:var(--font-display); font-size:1.3rem; font-weight:600; color:var(--white); margin-bottom:.5rem; }
.footer__brand-tag { font-size:.65rem; letter-spacing:.2em; text-transform:uppercase; color:var(--gold); margin-bottom:1rem; }
.footer__brand-desc { font-size:.83rem; color:rgba(255,255,255,.45); line-height:1.8; }
.footer__col-title { font-family:var(--font-sans); font-size:.68rem; font-weight:500; letter-spacing:.2em; text-transform:uppercase; color:var(--gold); margin-bottom:1.25rem; }
.footer__links { list-style:none; display:flex; flex-direction:column; gap:.65rem; }
.footer__links a { font-size:.85rem; color:rgba(255,255,255,.5); transition:color var(--transition); }
.footer__links a:hover { color:var(--gold-light); }
.footer__bottom { border-top:1px solid rgba(255,255,255,.08); padding-top:1.75rem; display:flex; align-items:center; justify-content:space-between; flex-wrap:wrap; gap:1rem; }
.footer__copy { font-size:.78rem; color:rgba(255,255,255,.3); }
.footer__disclaimer { font-size:.72rem; color:rgba(255,255,255,.25); max-width:500px; text-align:right; line-height:1.6; }

/* ── Scroll Reveal ── */
.reveal { opacity:0; transform:translateY(24px); transition:opacity .7s ease,transform .7s ease; }
.reveal.visible { opacity:1; transform:translateY(0); }

/* ── 404 Page ── */
.not-found-page { min-height:100vh; background:var(--navy); }
.not-found { position:relative; min-height:100vh; display:grid; place-items:center; padding:4rem 1.25rem; overflow:hidden; }
.not-found__bg { position:absolute; inset:0; background:radial-gradient(ellipse 70% 60% at 72% 30%,rgba(201,168,76,.14),transparent 62%),radial-gradient(ellipse 55% 70% at 18% 75%,rgba(122,158,135,.11),transparent 58%),linear-gradient(145deg,#07111c 0%,var(--navy) 52%,#142741 100%); }
.not-found__bg::before { content:''; position:absolute; top:-18%; right:-8%; width:min(680px,70vw); aspect-ratio:1; border:1px solid rgba(201,168,76,.13); border-radius:50%; transform:rotate(-12deg); }
.not-found__bg::after { content:''; position:absolute; bottom:-28%; left:-8%; width:min(560px,68vw); aspect-ratio:1; border:1px solid rgba(201,168,76,.08); border-radius:50%; }
.not-found__noise { position:absolute; inset:0; opacity:.025; background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noise'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noise)'/%3E%3C/svg%3E"); background-size:200px; }
.not-found__card { position:relative; z-index:1; width:min(100%,760px); background:rgba(13,27,42,.78); border:1px solid rgba(201,168,76,.25); border-radius:4px; box-shadow:var(--shadow-lg); padding:clamp(2rem,5vw,4rem); text-align:center; backdrop-filter:blur(16px); }
.not-found__brand { display:inline-flex; flex-direction:column; align-items:center; line-height:1; margin-bottom:2.5rem; }
.not-found__brand-name { font-family:var(--font-display); font-size:1.25rem; font-weight:600; color:var(--white); letter-spacing:.02em; }
.not-found__brand-tag { font-size:.58rem; letter-spacing:.22em; text-transform:uppercase; color:var(--gold-light); margin-top:.35rem; }
.not-found__eyebrow { font-size:.7rem; font-weight:500; letter-spacing:.26em; text-transform:uppercase; color:var(--gold); margin-bottom:1rem; }
.not-found__title { font-family:var(--font-display); font-size:clamp(2.35rem,6vw,4.4rem); font-weight:500; line-height:1.08; color:var(--white); margin-bottom:1.25rem; }
.not-found__copy { font-family:var(--font-serif); font-size:clamp(1.05rem,2.4vw,1.25rem); font-weight:300; color:rgba(255,255,255,.72); line-height:1.75; max-width:620px; margin:0 auto 2rem; }
.not-found__actions { display:flex; justify-content:center; gap:1rem; flex-wrap:wrap; margin-bottom:2rem; }
.not-found__quick-links { display:flex; justify-content:center; gap:.75rem; flex-wrap:wrap; padding-top:1.5rem; border-top:1px solid rgba(255,255,255,.08); }
.not-found__quick-links a { border:1px solid rgba(201,168,76,.28); border-radius:999px; color:rgba(255,255,255,.72); font-size:.7rem; letter-spacing:.12em; text-transform:uppercase; padding:.55rem .9rem; transition:border-color var(--transition),color var(--transition),background var(--transition); }
.not-found__quick-links a:hover { border-color:var(--gold); color:var(--gold-light); background:rgba(201,168,76,.08); }
.not-found__note { color:rgba(255,255,255,.48); font-size:.84rem; margin-top:1.25rem; }
.not-found__note a { color:var(--gold-light); }

/* ── Responsive ── */
@media(max-width:1024px){
  .hero__brand-mark { right:-2rem; width:min(48vw,480px); opacity:.16; }
  .opportunity-hero__grid { grid-template-columns:1fr; gap:2.5rem; }
  .opportunity-hero__panel { max-width:620px; }
  .opportunity-values__grid { grid-template-columns:1fr 1fr; }
  .opportunity-fit__grid { grid-template-columns:1fr; gap:2.5rem; }
  .services__grid { grid-template-columns:repeat(2,1fr); }
  .service-card,.service-card:nth-last-child(2),.service-card:last-child { grid-column:auto; }
  .process__steps { grid-template-columns:repeat(2,1fr); gap:2rem; }
  .process__steps::before { display:none; }
  .footer__grid { grid-template-columns:1fr 1fr; }
  .annuity__grid { grid-template-columns:1fr; gap:3rem; }
}
@media(max-width:768px){
  section { padding:5rem 0; }
  .nav__links,.nav__cta { display:none; }
  .nav__hamburger { display:flex; }
  .fade-up { opacity:1; animation:none; transform:none; }
  .hero__brand-mark { display:block; top:5.6rem; left:50%; right:auto; width:min(40vw,160px); transform:translateX(-50%); opacity:.3; filter:drop-shadow(0 18px 42px rgba(0,0,0,.2)) saturate(1.04); }
  .hero__break-mobile { display:inline; }
  .hero__headline { font-size:2.55rem; }
  .hero__sub { width:min(100%,300px); max-width:100%; font-size:1rem; margin-bottom:1.75rem; overflow-wrap:break-word; }
  .hero__actions { gap:.75rem; }
  .hero__content { padding:15.5rem 0 4rem; }
  .about__grid,.benefits__grid,.contact__grid { grid-template-columns:1fr; gap:3rem; }
  .opportunity-hero { min-height:auto; padding:9rem 0 4rem; }
  .opportunity-hero__mark { width:150px; }
  .opportunity-values__grid { grid-template-columns:1fr; }
  .about__accent-box { right:0; bottom:-1rem; }
  .services__grid { grid-template-columns:1fr; }
  .process__steps { grid-template-columns:1fr 1fr; }
  .testimonials__grid { grid-template-columns:1fr; }
  .form-row { grid-template-columns:1fr; }
  .footer__grid { grid-template-columns:1fr; gap:2rem; }
  .footer__bottom { flex-direction:column; align-items:flex-start; }
  .footer__disclaimer { text-align:left; }
  .trust-bar__inner { gap:1.5rem; }
  .benefits__card-stack { height:320px; }
  .stat-card--overlay1 { right:0; }
  .stat-card--overlay2 { left:0; }
}
@media(max-width:480px){
  .container { padding:0 1.25rem; }
  .hero__headline { font-size:2.5rem; }
  .hero__actions { flex-direction:column; }
  .btn { justify-content:center; }
  .process__steps { grid-template-columns:1fr; }
  .not-found { padding:2rem 1rem; }
  .not-found__actions { flex-direction:column; }
  .not-found__quick-links { flex-direction:column; }
}