/* ============================================================
   ARIB - Adams Risk and Investment Brokers
   Master Stylesheet | CraftConnect SA
   ------------------------------------------------------------
   Structure:
   1.  Design tokens (:root)
   2.  Reset & base
   3.  Typography
   4.  Buttons
   5.  Animation system
   6.  Layout utilities
   7.  Navigation
   8.  Footer
   9.  WhatsApp float
   10. Hero
   11. Home - persona gateway / difference / services / team
       / testimonials / partners / cta strip
   12. Individuals - service cards / life stages
   13. Professionals - pain points / numbers
   14. Businesses - value prop / process
   15. About - story / profile / values
   16. Resources - articles / lead magnet
   17. Accreditation - compliance blocks
   18. Contact - calendly / offices / form
   19. Interactive - life events / calculator / health quiz
   20. 404
   ============================================================ */

/* ============================================================
   1. DESIGN TOKENS
   ============================================================ */
:root {
  /* === COLOURS === */
  --navy:           #1A2B3C;
  --navy-dark:      #0E1A26;
  --navy-mid:       #253850;
  --navy-light:     #344F6B;
  --gold:           #C9973A;
  --gold-light:     #D9AC55;
  --gold-pale:      #F0E4C8;
  --gold-muted:     rgba(201, 151, 58, 0.15);
  --warm-white:     #F7F4EF;
  --cream:          #EDE9E0;
  --sage:           #4A6741;
  --text-dark:      #1C1C1C;
  --text-mid:       #3D3D3D;
  --text-muted:     #6B7280;
  --text-light:     #9CA3AF;
  --white:          #FFFFFF;
  --border:         rgba(26, 43, 60, 0.10);
  --border-gold:    rgba(201, 151, 58, 0.25);
  --overlay-dark:   rgba(14, 26, 38, 0.72);
  --overlay-navy:   rgba(14, 26, 38, 0.88);

  /* === TYPOGRAPHY === */
  --font-display:   'Cormorant Garamond', Georgia, serif;
  --font-body:      'Jost', system-ui, -apple-system, sans-serif;
  --font-mono:      'Roboto Mono', 'Courier New', monospace;

  /* === FONT SIZES === */
  --text-xs:        0.75rem;     /* 12px */
  --text-sm:        0.875rem;    /* 14px */
  --text-base:      1rem;        /* 16px */
  --text-lg:        1.125rem;    /* 18px */
  --text-xl:        1.375rem;    /* 22px */
  --text-2xl:       1.75rem;     /* 28px */
  --text-3xl:       2.25rem;     /* 36px */
  --text-4xl:       3rem;        /* 48px */
  --text-hero:      clamp(2.8rem, 6vw, 5.5rem);
  --text-section:   clamp(2rem, 3.5vw, 3.25rem);
  --text-sub:       clamp(1rem, 1.5vw, 1.2rem);

  /* === FONT WEIGHTS === */
  --weight-light:   300;
  --weight-regular: 400;
  --weight-medium:  500;
  --weight-semi:    600;
  --weight-bold:    700;

  /* === LINE HEIGHTS === */
  --leading-tight:  1.1;
  --leading-snug:   1.3;
  --leading-normal: 1.6;
  --leading-relaxed:1.75;

  /* === LETTER SPACING === */
  --tracking-tight: -0.02em;
  --tracking-normal: 0;
  --tracking-wide:  0.04em;
  --tracking-wider: 0.08em;
  --tracking-caps:  0.12em;

  /* === SPACING === */
  --space-1:  0.25rem;
  --space-2:  0.5rem;
  --space-3:  0.75rem;
  --space-4:  1rem;
  --space-5:  1.25rem;
  --space-6:  1.5rem;
  --space-8:  2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  --space-24: 6rem;
  --space-32: 8rem;

  /* === SECTION PADDING === */
  --section-pad:    clamp(4rem, 8vw, 8rem);
  --section-pad-sm: clamp(2.5rem, 5vw, 5rem);

  /* === LAYOUT === */
  --container-max:  1260px;
  --container-text: 780px;
  --gutter:         clamp(1.25rem, 4vw, 3rem);

  /* === BORDERS === */
  --radius-xs:  3px;
  --radius-sm:  6px;
  --radius-md:  10px;
  --radius-lg:  16px;
  --radius-xl:  24px;
  --radius-full:9999px;

  /* === SHADOWS === */
  --shadow-xs:  0 1px 3px rgba(0,0,0,0.07);
  --shadow-sm:  0 2px 8px rgba(26,43,60,0.07);
  --shadow-md:  0 4px 20px rgba(26,43,60,0.09);
  --shadow-lg:  0 8px 40px rgba(26,43,60,0.12);
  --shadow-gold:0 4px 24px rgba(201,151,58,0.22);

  /* === TRANSITIONS === */
  --ease-fast:  150ms ease;
  --ease-base:  260ms ease;
  --ease-slow:  420ms ease;
  --ease-spring:600ms cubic-bezier(0.16, 1, 0.3, 1);

  /* === NAV === */
  --nav-height: 80px;
  --nav-height-mobile: 68px;
}

/* ============================================================
   2. RESET & BASE
   ============================================================ */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; padding: 0; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  font-family: var(--font-body);
  font-size: var(--text-base);
  font-weight: var(--weight-regular);
  line-height: var(--leading-relaxed);
  color: var(--text-mid);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

img { display: block; max-width: 100%; height: auto; }
a { color: inherit; }
button { font-family: inherit; }
ul { list-style: none; }

::selection { background: var(--gold); color: var(--navy-dark); }

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

.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 2000;
  background: var(--navy); color: var(--white);
  padding: var(--space-3) var(--space-5); border-radius: 0 0 var(--radius-sm) 0;
}
.skip-link:focus { left: 0; }

/* ============================================================
   3. TYPOGRAPHY
   ============================================================ */
h1, .h1, .display {
  font-family: var(--font-display);
  font-weight: var(--weight-semi);
  line-height: var(--leading-tight);
  letter-spacing: var(--tracking-tight);
  color: var(--navy);
}

.bg-navy h1, .bg-navy h2, .hero h1 { color: var(--white); }

h1 { font-size: var(--text-hero); }

h2 {
  font-family: var(--font-display);
  font-size: var(--text-section);
  font-weight: var(--weight-semi);
  line-height: var(--leading-snug);
  letter-spacing: var(--tracking-tight);
  color: var(--navy);
}

h3 {
  font-family: var(--font-body);
  font-size: var(--text-xl);
  font-weight: var(--weight-semi);
  line-height: var(--leading-snug);
  color: var(--navy);
}

h4 {
  font-family: var(--font-body);
  font-size: var(--text-lg);
  font-weight: var(--weight-medium);
}

p, li, td {
  font-family: var(--font-body);
  font-size: var(--text-base);
  font-weight: var(--weight-regular);
  line-height: var(--leading-relaxed);
  color: var(--text-mid);
}

.section-label {
  font-family: var(--font-body);
  font-size: var(--text-xs);
  font-weight: var(--weight-semi);
  letter-spacing: var(--tracking-caps);
  text-transform: uppercase;
  color: var(--gold);
}

.stat-number {
  font-family: var(--font-display);
  font-size: clamp(3rem, 5vw, 5rem);
  font-weight: var(--weight-bold);
  color: var(--gold);
  line-height: 1;
}

.lead {
  font-size: var(--text-sub);
  line-height: var(--leading-relaxed);
  color: var(--text-mid);
  max-width: 65ch;
}

.fine-print {
  font-family: var(--font-body);
  font-size: var(--text-xs);
  color: var(--text-muted);
  line-height: var(--leading-normal);
}

/* ============================================================
   4. BUTTON SYSTEM
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-family: var(--font-body);
  font-size: var(--text-sm);
  font-weight: var(--weight-medium);
  letter-spacing: var(--tracking-wide);
  text-decoration: none;
  padding: 0.875rem 2rem;
  border-radius: var(--radius-xs);
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: background var(--ease-base), color var(--ease-base),
              border-color var(--ease-base), transform var(--ease-fast),
              box-shadow var(--ease-base);
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }

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

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

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

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

.btn-sm { padding: 0.625rem 1.25rem; font-size: var(--text-xs); }
.btn-lg { padding: 1.125rem 2.5rem; font-size: var(--text-base); }

/* ============================================================
   5. ANIMATION SYSTEM
   ============================================================ */
[data-reveal] {
  opacity: 0;
  transition: opacity var(--ease-slow), transform var(--ease-spring);
  will-change: opacity, transform;
}
[data-reveal].revealed { opacity: 1; transform: none !important; }

[data-reveal="up"]    { transform: translateY(40px); }
[data-reveal="down"]  { transform: translateY(-24px); }
[data-reveal="left"]  { transform: translateX(40px); }
[data-reveal="right"] { transform: translateX(-40px); }
[data-reveal="scale"] { transform: scale(0.94); }
[data-reveal="fade"]  { transform: none; }

[data-delay="1"] { transition-delay: 100ms; }
[data-delay="2"] { transition-delay: 200ms; }
[data-delay="3"] { transition-delay: 300ms; }
[data-delay="4"] { transition-delay: 400ms; }
[data-delay="5"] { transition-delay: 500ms; }
[data-delay="6"] { transition-delay: 600ms; }

.gold-line {
  display: block;
  height: 2px;
  background: var(--gold);
  width: 0;
  transition: width 600ms cubic-bezier(0.16, 1, 0.3, 1);
}
.gold-line.revealed { width: 60px; }
.gold-line.full.revealed { width: 100%; }

.counter { font-variant-numeric: tabular-nums; }

.hover-lift {
  transition: transform var(--ease-base), box-shadow var(--ease-base);
}
.hover-lift:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

/* Respect 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;
  }
  [data-reveal] { opacity: 1; transform: none !important; }
}

/* ============================================================
   6. LAYOUT UTILITIES
   ============================================================ */
.container {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--gutter);
}
.container-narrow {
  max-width: var(--container-text);
  margin: 0 auto;
  padding: 0 var(--gutter);
}

.section { padding: var(--section-pad) 0; }
.section-sm { padding: var(--section-pad-sm) 0; }

.bg-white      { background: var(--white); }
.bg-warm       { background: var(--warm-white); }
.bg-cream      { background: var(--cream); }
.bg-navy       { background: var(--navy); }
.bg-navy-dark  { background: var(--navy-dark); }
.bg-gold-pale  { background: var(--gold-pale); }

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

.section-intro {
  text-align: center;
  max-width: 680px;
  margin: 0 auto var(--space-16);
}
.section-intro .section-label { display: block; margin-bottom: var(--space-4); }
.section-intro h2 { margin-bottom: var(--space-5); }
.section-intro p { color: var(--text-muted); }

.gold-bar {
  display: block;
  width: 48px; height: 2px;
  background: var(--gold);
  margin: var(--space-5) auto;
}
.gold-bar.left { margin-left: 0; }

.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  padding: var(--space-8) var(--space-8);
  box-shadow: var(--shadow-sm);
  transition: border-color var(--ease-base), box-shadow var(--ease-base), transform var(--ease-base);
}
.card:hover {
  border-color: var(--border-gold);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}
.card-icon {
  width: 48px; height: 48px;
  color: var(--gold);
  margin-bottom: var(--space-5);
}
.card h3 { margin-bottom: var(--space-3); }
.card p  { color: var(--text-muted); font-size: var(--text-sm); }

/* ============================================================
   7. NAVIGATION
   ============================================================ */
.nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  height: var(--nav-height);
  transition: background var(--ease-base), box-shadow var(--ease-base);
  background: transparent;
}
.nav.scrolled {
  background: var(--navy);
  box-shadow: 0 2px 20px rgba(0,0,0,0.2);
}
.nav-container {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--gutter);
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav-logo {
  display: flex; align-items: center; gap: var(--space-3);
  text-decoration: none;
}
.logo-img { height: 38px; width: auto; }
.logo-lockup { display: flex; flex-direction: column; line-height: 1.2; }
.logo-name {
  font-family: var(--font-body);
  font-size: var(--text-sm);
  font-weight: var(--weight-semi);
  color: var(--white);
  display: block;
}
.logo-fsp {
  font-size: var(--text-xs);
  color: var(--gold);
  letter-spacing: var(--tracking-wide);
}
.nav-link {
  font-family: var(--font-body);
  font-size: var(--text-sm);
  font-weight: var(--weight-medium);
  color: rgba(255,255,255,0.85);
  text-decoration: none;
  padding: 0.25rem 0;
  position: relative;
  transition: color var(--ease-fast);
}
.nav-link::after {
  content: '';
  position: absolute; bottom: -2px; left: 0;
  width: 0; height: 1.5px;
  background: var(--gold);
  transition: width var(--ease-base);
}
.nav-link:hover, .nav-link.active { color: var(--white); }
.nav-link:hover::after, .nav-link.active::after { width: 100%; }
.nav-cta.nav-link::after { display: none; }
.nav-menu {
  display: flex; align-items: center; gap: var(--space-8);
}
.nav-burger {
  display: none;
  flex-direction: column; gap: 5px;
  background: none; border: none; cursor: pointer;
  padding: var(--space-2);
}
.nav-burger span {
  display: block; width: 24px; height: 1.5px;
  background: var(--white);
  transition: transform var(--ease-base), opacity var(--ease-base);
}
.nav-burger[aria-expanded="true"] span:nth-child(1) { transform: translateY(6.5px) rotate(45deg); }
.nav-burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-burger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6.5px) rotate(-45deg); }

@media (max-width: 900px) {
  .nav { height: var(--nav-height-mobile); }
  .nav-burger { display: flex; z-index: 1100; position: relative; }
  .nav-menu {
    position: fixed; inset: 0;
    background: var(--navy-dark);
    flex-direction: column; justify-content: center; align-items: center;
    gap: var(--space-8);
    opacity: 0; pointer-events: none;
    transition: opacity var(--ease-base);
  }
  .nav-menu.open { opacity: 1; pointer-events: all; }
  .nav-link { font-size: var(--text-2xl); color: var(--white); }
  .nav-cta { margin-top: var(--space-4); }
}

/* ============================================================
   8. FOOTER
   ============================================================ */
.footer { background: var(--navy-dark); color: var(--white); }
.footer-main { padding: var(--space-24) 0 var(--space-16); }
.footer-container {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--gutter);
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: var(--space-16);
}
.footer-logo { height: 40px; margin-bottom: var(--space-6); }
.footer-tagline {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-style: italic;
  color: var(--gold-pale);
  margin-bottom: var(--space-6);
  line-height: var(--leading-snug);
}
.footer-fsp, .footer-disclosure { color: rgba(255,255,255,0.4); }
.footer-heading {
  font-family: var(--font-body);
  font-size: var(--text-xs);
  font-weight: var(--weight-semi);
  letter-spacing: var(--tracking-caps);
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: var(--space-5);
}
.footer-links { list-style: none; display: flex; flex-direction: column; gap: var(--space-3); }
.footer-links a, .footer-col a {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.65);
  text-decoration: none;
  transition: color var(--ease-fast);
}
.footer-links a:hover, .footer-col a:hover { color: var(--gold); }
.footer-city {
  font-family: var(--font-body);
  font-size: var(--text-sm);
  font-weight: var(--weight-semi);
  color: var(--white);
  margin-bottom: var(--space-1);
}
.footer-contact-item p { color: rgba(255,255,255,0.65); font-size: var(--text-sm); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: var(--space-6) 0;
}
.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-4);
}
.footer-bottom-links { display: flex; gap: var(--space-8); }
.footer-bottom-links a { color: rgba(255,255,255,0.5); text-decoration: none; transition: color var(--ease-fast); }
.footer-bottom-links a:hover { color: var(--gold); }
@media (max-width: 768px) {
  .footer-container { grid-template-columns: 1fr; gap: var(--space-10); }
  .footer-bottom-inner { flex-direction: column; text-align: center; }
}

/* ============================================================
   9. WHATSAPP FLOAT
   ============================================================ */
.whatsapp-float {
  position: fixed; bottom: 2rem; right: 2rem; z-index: 900;
}
.whatsapp-btn {
  width: 60px; height: 60px;
  background: #25D366; color: white;
  border-radius: 50%; border: none; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 20px rgba(37,211,102,0.4);
  transition: transform var(--ease-base), box-shadow var(--ease-base);
}
.whatsapp-btn:hover { transform: scale(1.08); box-shadow: 0 6px 28px rgba(37,211,102,0.5); }
.whatsapp-menu {
  position: absolute; bottom: 72px; right: 0;
  background: var(--white); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: var(--space-4);
  width: 240px; opacity: 0; pointer-events: none;
  transform: translateY(8px) scale(0.97);
  transition: opacity var(--ease-base), transform var(--ease-base);
  transform-origin: bottom right;
}
.whatsapp-menu.open { opacity: 1; pointer-events: all; transform: none; }
.whatsapp-menu-label {
  font-size: var(--text-xs); font-weight: var(--weight-semi);
  text-transform: uppercase; letter-spacing: var(--tracking-caps);
  color: var(--text-muted); margin-bottom: var(--space-3);
}
.whatsapp-contact {
  display: flex; align-items: center; gap: var(--space-3);
  padding: var(--space-3); border-radius: var(--radius-sm);
  text-decoration: none; color: var(--text-dark);
  transition: background var(--ease-fast);
}
.whatsapp-contact:hover { background: var(--warm-white); }
.whatsapp-contact strong { display: block; font-size: var(--text-sm); }
.whatsapp-contact span { font-size: var(--text-xs); color: var(--text-muted); }
.whatsapp-avatar {
  width: 36px; height: 36px; border-radius: 50%;
  background: var(--navy); color: var(--gold);
  font-size: var(--text-xs); font-weight: var(--weight-bold);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
@media (max-width: 600px) {
  .whatsapp-float { bottom: 1.25rem; right: 1.25rem; }
}

/* ============================================================
   10. HERO
   ============================================================ */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding-top: var(--nav-height);
  overflow: hidden;
}
.hero-bg { position: absolute; inset: 0; z-index: 0; }
.hero-img {
  width: 100%; height: 100%;
  object-fit: cover; object-position: center 30%;
}
.hero-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(
    135deg,
    rgba(14, 26, 38, 0.85) 0%,
    rgba(26, 43, 60, 0.70) 50%,
    rgba(14, 26, 38, 0.55) 100%
  );
}
.hero .container { position: relative; z-index: 1; }
.hero-content {
  max-width: 760px;
  padding: var(--space-24) 0;
}
.hero h1 {
  color: var(--white);
  margin: var(--space-5) 0 var(--space-6);
}
.hero h1 em { font-style: italic; color: var(--gold-pale); }
.hero-cta {
  display: flex; gap: var(--space-4); flex-wrap: wrap;
  margin-top: var(--space-8);
}
.hero-scroll {
  position: absolute; bottom: 2rem; left: 50%; transform: translateX(-50%);
  display: flex; flex-direction: column; align-items: center; gap: 6px;
  z-index: 1;
}
.hero-scroll span {
  width: 1.5px; height: 48px;
  background: linear-gradient(to bottom, transparent, rgba(255,255,255,0.5));
  animation: scrollPulse 2s ease-in-out infinite;
}
@keyframes scrollPulse {
  0%, 100% { opacity: 0; transform: scaleY(0.5); transform-origin: top; }
  50% { opacity: 1; transform: scaleY(1); }
}

/* Short hero variant - navy with geometric texture, no full image */
.hero-short {
  position: relative;
  min-height: 60vh;
  display: flex;
  align-items: center;
  padding-top: var(--nav-height);
  background: var(--navy-dark);
  overflow: hidden;
}
.hero-short.hero-50 { min-height: 50vh; }
.hero-short::before {
  content: '';
  position: absolute; inset: 0;
  background-image:
    radial-gradient(circle at 18% 30%, rgba(201,151,58,0.14), transparent 40%),
    radial-gradient(circle at 82% 75%, rgba(52,79,107,0.45), transparent 45%),
    linear-gradient(135deg, transparent 0%, rgba(255,255,255,0.02) 100%);
  z-index: 0;
}
.hero-short::after {
  content: '';
  position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 64px 64px;
  z-index: 0;
  -webkit-mask-image: radial-gradient(circle at 50% 50%, black, transparent 75%);
          mask-image: radial-gradient(circle at 50% 50%, black, transparent 75%);
}
.hero-short .container { position: relative; z-index: 1; }
.hero-short .hero-content { padding: var(--space-16) 0; }
.hero-short h1 { color: var(--white); margin: var(--space-5) 0 var(--space-6); }
.hero-short h1 em { font-style: italic; color: var(--gold-pale); }
.hero-short .lead { color: rgba(255,255,255,0.8); }
.hero-short .section-label { color: var(--gold-pale); }

/* ============================================================
   11. HOME SECTIONS
   ============================================================ */

/* --- Persona gateway --- */
.persona-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-6);
}
.persona-card {
  position: relative;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: var(--space-10) var(--space-8);
  text-decoration: none;
  color: var(--text-dark);
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  transition: border-color var(--ease-base), box-shadow var(--ease-base), transform var(--ease-base);
  overflow: hidden;
}
.persona-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: transparent;
  transition: background var(--ease-base);
}
.persona-card:hover::before { background: var(--gold); }
.persona-card:hover {
  border-color: var(--border-gold);
  box-shadow: var(--shadow-lg);
  transform: translateY(-5px);
}
.persona-card--featured {
  border-color: var(--gold);
  background: linear-gradient(160deg, var(--white) 70%, var(--gold-pale));
}
.persona-card--featured::before { background: var(--gold); }
.persona-icon {
  width: 52px; height: 52px;
  background: var(--navy);
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
}
.persona-icon svg { width: 24px; height: 24px; color: var(--gold); }
.persona-badge {
  position: absolute; top: var(--space-5); right: var(--space-5);
  background: var(--gold);
  color: var(--navy-dark);
  font-size: var(--text-xs);
  font-weight: var(--weight-semi);
  letter-spacing: var(--tracking-wide);
  padding: 3px 10px;
  border-radius: var(--radius-full);
}
.persona-card h3 { color: var(--navy); margin: 0; }
.persona-card p { color: var(--text-muted); font-size: var(--text-sm); margin: 0; flex-grow: 1; }
.persona-examples {
  list-style: none;
  display: flex; flex-wrap: wrap; gap: var(--space-2);
  margin: 0; padding: 0;
}
.persona-examples li {
  font-size: var(--text-xs);
  background: var(--warm-white);
  color: var(--navy);
  padding: 3px 10px;
  border-radius: var(--radius-full);
  border: 1px solid var(--border);
}
.persona-cta {
  font-family: var(--font-body);
  font-size: var(--text-sm);
  font-weight: var(--weight-semi);
  color: var(--gold);
  display: flex; align-items: center; gap: var(--space-1);
}
@media (max-width: 900px) {
  .persona-grid { grid-template-columns: 1fr; }
}

/* --- The ARIB difference --- */
.difference-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-8);
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: var(--space-12);
}
.difference-item { padding: var(--space-8) 0; }
.difference-number {
  font-family: var(--font-display);
  font-size: clamp(3.5rem, 5vw, 5.5rem);
  font-weight: var(--weight-semi);
  color: var(--gold);
  line-height: 1;
  letter-spacing: var(--tracking-tight);
  margin-bottom: var(--space-4);
}
.difference-icon svg { width: 48px; height: 48px; color: var(--gold); }
.difference-divider {
  width: 40px; height: 1.5px;
  background: var(--gold);
  margin: var(--space-4) 0 var(--space-5);
}
@media (max-width: 768px) {
  .difference-grid { grid-template-columns: 1fr; gap: var(--space-6); }
}

/* --- Services grid --- */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-5);
}
.services-card .card-link {
  display: inline-flex; align-items: center; gap: var(--space-1);
  font-size: var(--text-sm); font-weight: var(--weight-medium);
  color: var(--gold); text-decoration: none;
  margin-top: var(--space-4);
  transition: gap var(--ease-fast);
}
.services-card .card-link:hover { gap: var(--space-2); }
@media (max-width: 900px) { .services-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 540px) { .services-grid { grid-template-columns: 1fr; } }

/* --- Team --- */
.team-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-8);
}
.team-card {
  display: flex;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.team-photo-wrapper { width: 220px; flex-shrink: 0; }
.team-photo { width: 100%; height: 100%; object-fit: cover; object-position: top center; }
.team-info {
  padding: var(--space-8);
  display: flex; flex-direction: column; gap: var(--space-3);
}
.team-info h3 { margin: 0; }
.team-title { font-size: var(--text-sm); color: var(--text-muted); margin: 0; }
.team-since {
  font-family: var(--font-display);
  font-style: italic;
  font-size: var(--text-lg);
  color: var(--gold);
}
.team-bio { font-size: var(--text-sm); color: var(--text-muted); flex-grow: 1; }
.team-cta { display: flex; gap: var(--space-3); margin-top: var(--space-2); }
@media (max-width: 960px) {
  .team-grid { grid-template-columns: 1fr; }
  .team-card { flex-direction: column; }
  .team-photo-wrapper { width: 100%; height: 260px; }
}

/* --- Testimonials --- */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-6);
}
.testimonial-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  transition: border-color var(--ease-base);
}
.testimonial-card:hover { border-color: var(--border-gold); }
.testimonial-quote {
  font-family: var(--font-display);
  font-style: italic;
  font-size: var(--text-lg);
  color: rgba(255,255,255,0.85);
  line-height: var(--leading-relaxed);
  margin-bottom: var(--space-6);
}
.testimonial-quote::before { content: '\201C'; }
.testimonial-quote::after  { content: '\201D'; }
.testimonial-author { display: flex; align-items: center; gap: var(--space-4); }
.testimonial-initials {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy-dark);
  font-weight: var(--weight-bold);
  font-size: var(--text-sm);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.testimonial-author strong { display: block; color: var(--white); font-size: var(--text-sm); }
.testimonial-author span  { display: block; color: rgba(255,255,255,0.5); font-size: var(--text-xs); }
@media (max-width: 900px) { .testimonials-grid { grid-template-columns: 1fr; } }

/* --- Partner logos --- */
.partners-label {
  text-align: center;
  font-size: var(--text-xs);
  letter-spacing: var(--tracking-caps);
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: var(--space-8);
}
.partners-grid {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: var(--space-10);
}
.partner-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 120px;
  height: 40px;
}
.partner-logo img {
  max-width: 100%;
  max-height: 100%;
  width: auto;
  height: auto;
  object-fit: contain;
  filter: grayscale(100%) opacity(0.5);
  transition: filter var(--ease-base);
}
.partner-logo img:hover { filter: grayscale(0%) opacity(1); }

/* --- CTA strip --- */
.cta-strip { background: var(--gold-pale); }
.cta-strip h2 { margin-bottom: var(--space-5); }

/* ============================================================
   12. INDIVIDUALS
   ============================================================ */
.service-card-detailed { display: flex; flex-direction: column; }
.service-card-icon {
  width: 48px; height: 48px;
  color: var(--gold);
  margin-bottom: var(--space-5);
}
.service-card-icon svg { width: 48px; height: 48px; }
.service-question {
  border-left: 2px solid var(--gold);
  padding-left: var(--space-4);
  font-family: var(--font-display);
  font-style: italic;
  font-size: var(--text-lg);
  color: var(--navy);
  margin: var(--space-4) 0 auto;
  flex-grow: 1;
}
.service-card-detailed .card-link {
  display: inline-flex; align-items: center; gap: var(--space-1);
  font-size: var(--text-sm); font-weight: var(--weight-medium);
  color: var(--gold); text-decoration: none;
  margin-top: var(--space-5);
  transition: gap var(--ease-fast);
}
.service-card-detailed .card-link:hover { gap: var(--space-2); }

.services-grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-6);
}
@media (max-width: 768px) { .services-grid-2 { grid-template-columns: 1fr; } }

/* --- Life stages timeline --- */
.life-stages-timeline {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 0;
  position: relative;
}
.life-stages-timeline::before {
  content: '';
  position: absolute; top: 16px; left: 0; right: 0; height: 1.5px;
  background: rgba(255,255,255,0.15);
  z-index: 0;
}
.stage { padding: var(--space-4); text-align: center; position: relative; }
.stage-dot {
  width: 14px; height: 14px;
  border-radius: 50%;
  background: var(--gold);
  border: 3px solid var(--navy);
  margin: 0 auto var(--space-5);
  position: relative; z-index: 1;
}
.stage h4 { font-size: var(--text-sm); font-weight: var(--weight-semi); margin-bottom: var(--space-2); }
.stage p { font-size: var(--text-xs); }
@media (max-width: 900px) {
  .life-stages-timeline { grid-template-columns: repeat(2, 1fr); }
  .life-stages-timeline::before { display: none; }
}
@media (max-width: 480px) {
  .life-stages-timeline { grid-template-columns: 1fr; }
}

/* ============================================================
   13. PROFESSIONALS
   ============================================================ */
.prof-intro-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-16);
  align-items: start;
}
.prof-intro-grid h2 { margin-top: var(--space-4); }
.pain-list { display: flex; flex-direction: column; gap: var(--space-5); }
.pain-item {
  display: flex; align-items: flex-start; gap: var(--space-4);
  padding: var(--space-5);
  background: var(--white);
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
}
.pain-item svg { width: 20px; height: 20px; color: var(--gold); flex-shrink: 0; margin-top: 2px; }
.pain-item p { margin: 0; font-size: var(--text-sm); color: var(--text-mid); }
@media (max-width: 768px) { .prof-intro-grid { grid-template-columns: 1fr; gap: var(--space-8); } }

/* --- The numbers --- */
.numbers-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-8);
  text-align: center;
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: var(--space-12);
}
.number-stat { padding: var(--space-6); }
.number-stat .stat-number { font-family: var(--font-mono); color: var(--gold); }
.number-stat p { font-size: var(--text-sm); margin-top: var(--space-4); }
@media (max-width: 768px) { .numbers-grid { grid-template-columns: 1fr; } }

/* ============================================================
   14. BUSINESSES
   ============================================================ */
.process-steps {
  display: flex;
  align-items: flex-start;
  gap: 0;
}
.process-step { flex: 1; text-align: center; padding: var(--space-6); }
.process-step h3 { margin-bottom: var(--space-3); }
.process-number {
  font-family: var(--font-display);
  font-size: clamp(2.5rem, 4vw, 4rem);
  font-weight: var(--weight-bold);
  color: var(--gold);
  line-height: 1;
  margin-bottom: var(--space-4);
}
.process-connector {
  flex-shrink: 0;
  width: 60px;
  height: 1.5px;
  background: var(--gold);
  align-self: center;
  margin-top: -2rem;
  opacity: 0.4;
}
@media (max-width: 768px) {
  .process-steps { flex-direction: column; }
  .process-connector { width: 1.5px; height: 30px; align-self: center; margin: 0; }
}

/* ============================================================
   15. ABOUT
   ============================================================ */
.story-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: var(--space-20);
  align-items: start;
}
.story-text h2 { margin-top: var(--space-4); }
.story-text p { margin-bottom: var(--space-5); }
.story-stats { display: flex; flex-direction: column; gap: var(--space-8); padding-top: var(--space-4); }
.story-stat { border-left: 2px solid var(--gold); padding-left: var(--space-5); }
.story-stat .stat-number {
  font-family: var(--font-display);
  font-size: clamp(2rem, 3vw, 3rem);
  font-weight: var(--weight-semi);
  color: var(--navy);
  display: block;
}
.story-stat p { font-size: var(--text-sm); color: var(--text-muted); margin: 0; }
@media (max-width: 768px) { .story-grid { grid-template-columns: 1fr; gap: var(--space-10); } }

/* --- Profile --- */
.profile-grid {
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: var(--space-16);
  align-items: start;
}
.profile-content h2 { margin-top: var(--space-4); }
.profile-photo {
  width: 100%; aspect-ratio: 3/4;
  object-fit: cover; object-position: top;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}
.profile-credential {
  background: var(--navy);
  color: var(--white);
  border-radius: 0 0 var(--radius-lg) var(--radius-lg);
  padding: var(--space-4) var(--space-5);
  text-align: center;
  margin-top: -4px;
}
.profile-credential span:first-child {
  font-family: var(--font-display);
  font-size: var(--text-2xl);
  color: var(--gold);
  display: block;
  font-weight: var(--weight-semi);
}
.profile-credential span:last-child { font-size: var(--text-xs); color: rgba(255,255,255,0.6); }
.profile-content .team-title { color: var(--text-muted); margin: var(--space-2) 0 var(--space-5); }
.profile-content p { margin-bottom: var(--space-5); }
.profile-cta { display: flex; gap: var(--space-4); flex-wrap: wrap; margin-top: var(--space-8); }
@media (max-width: 768px) {
  .profile-grid { grid-template-columns: 1fr; }
}

/* --- Values --- */
.values-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-6);
}
.value-item { padding: var(--space-8) var(--space-6); }
.value-icon { width: 36px; height: 36px; color: var(--gold); margin-bottom: var(--space-5); }
.value-item h3 { margin-bottom: var(--space-3); }
@media (max-width: 900px) { .values-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .values-grid { grid-template-columns: 1fr; } }

/* ============================================================
   16. RESOURCES
   ============================================================ */
.articles-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-6);
}
.article-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  text-decoration: none;
  color: var(--text-dark);
  display: flex; flex-direction: column; gap: var(--space-4);
  transition: border-color var(--ease-base), box-shadow var(--ease-base), transform var(--ease-base);
}
.article-card:hover {
  border-color: var(--border-gold);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}
.article-meta { display: flex; align-items: center; justify-content: space-between; }
.article-category {
  font-size: var(--text-xs);
  font-weight: var(--weight-semi);
  letter-spacing: var(--tracking-wide);
  color: var(--gold);
  text-transform: uppercase;
}
.article-read-time { font-size: var(--text-xs); color: var(--text-muted); }
.article-card h3 { font-size: var(--text-xl); color: var(--navy); line-height: var(--leading-snug); }
.article-card p { font-size: var(--text-sm); color: var(--text-muted); flex-grow: 1; }
.article-cta {
  display: inline-flex; align-items: center; gap: var(--space-1);
  font-size: var(--text-sm); font-weight: var(--weight-medium);
  color: var(--gold);
}
@media (max-width: 900px) { .articles-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 540px) { .articles-grid { grid-template-columns: 1fr; } }

/* --- Lead magnet --- */
.lead-magnet-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-16);
  align-items: center;
}
.lead-magnet-inner h2 { margin: var(--space-4) 0 var(--space-5); }
.lead-form { display: flex; flex-direction: column; gap: var(--space-4); }
.form-input {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--radius-sm);
  padding: 0.875rem var(--space-5);
  color: var(--white);
  font-family: var(--font-body);
  font-size: var(--text-base);
  transition: border-color var(--ease-fast), background var(--ease-fast);
}
.form-input::placeholder { color: rgba(255,255,255,0.4); }
.form-input:focus { outline: none; border-color: var(--gold); background: rgba(255,255,255,0.12); }
.lead-success {
  display: flex; align-items: center; gap: var(--space-3);
  padding: var(--space-5);
  background: rgba(74,103,65,0.18);
  border: 1px solid var(--sage);
  border-radius: var(--radius-md);
  color: var(--white);
}
@media (max-width: 768px) { .lead-magnet-inner { grid-template-columns: 1fr; } }

/* ============================================================
   17. ACCREDITATION
   ============================================================ */
.compliance-block { display: flex; gap: var(--space-10); align-items: flex-start; }
.compliance-block h2 { margin: var(--space-4) 0 0; }
.compliance-icon { flex-shrink: 0; }
.compliance-icon svg { width: 56px; height: 56px; color: var(--gold); }
.compliance-details {
  display: grid; grid-template-columns: repeat(2, 1fr);
  gap: var(--space-4); margin-top: var(--space-6);
}
.compliance-detail { border-left: 2px solid var(--gold-pale); padding-left: var(--space-4); }
.compliance-detail span { display: block; font-size: var(--text-xs); color: var(--text-muted); margin-bottom: 2px; }
.compliance-detail strong { font-size: var(--text-sm); color: var(--navy); }
@media (max-width: 600px) {
  .compliance-block { flex-direction: column; }
  .compliance-details { grid-template-columns: 1fr; }
}
.compliance-block a { color: var(--gold); }
#popia p { margin-bottom: var(--space-5); }
#popia a { color: var(--gold); }

/* ============================================================
   18. CONTACT
   ============================================================ */
.calendly-wrapper {
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-md);
  max-width: 900px;
  margin: 0 auto;
}
.calendly-fallback {
  padding: var(--space-10);
  text-align: center;
  background: var(--white);
}
.calendly-fallback p { color: var(--text-muted); margin-bottom: var(--space-5); }

.offices-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--space-6); margin-bottom: var(--space-8); }
.office-card { background: var(--warm-white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: var(--space-8); }
.office-header { display: flex; align-items: center; gap: var(--space-3); margin-bottom: var(--space-3); }
.office-header svg { width: 22px; height: 22px; }
.office-header h3 { margin: 0; }
.office-name { font-size: var(--text-sm); color: var(--text-muted); margin-bottom: var(--space-5); }
.office-contacts { display: flex; flex-direction: column; gap: var(--space-3); }
.office-contact-item { display: flex; align-items: center; gap: var(--space-3); text-decoration: none; color: var(--navy); font-size: var(--text-sm); transition: color var(--ease-fast); }
.office-contact-item:hover { color: var(--gold); }
.office-contact-item svg { width: 16px; height: 16px; flex-shrink: 0; }
.offices-national { text-align: center; font-size: var(--text-sm); color: var(--text-muted); font-style: italic; }
@media (max-width: 600px) { .offices-grid { grid-template-columns: 1fr; } }

/* --- Contact form --- */
.contact-form { display: flex; flex-direction: column; gap: var(--space-5); }
.form-row { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--space-5); }
.form-group { display: flex; flex-direction: column; gap: var(--space-2); }
.form-label { font-size: var(--text-sm); font-weight: var(--weight-medium); color: var(--navy); }
.form-field {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 0.875rem var(--space-5);
  font-family: var(--font-body); font-size: var(--text-base);
  color: var(--text-dark);
  transition: border-color var(--ease-fast), box-shadow var(--ease-fast);
  width: 100%;
}
.form-field:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px var(--gold-muted); }
.form-field::placeholder { color: var(--text-light); }
textarea.form-field { resize: vertical; min-height: 130px; }
select.form-field { cursor: pointer; }
.form-footer { display: flex; align-items: center; gap: var(--space-6); flex-wrap: wrap; }
.form-footer .fine-print a { color: var(--gold); }
.form-success {
  display: flex; align-items: center; gap: var(--space-3);
  padding: var(--space-5); background: #f0faf4;
  border: 1px solid var(--sage); border-radius: var(--radius-md);
}
.form-success p { color: var(--sage); font-weight: var(--weight-medium); margin: 0; }
@media (max-width: 600px) { .form-row { grid-template-columns: 1fr; } }

/* --- Response promise strip --- */
.promise-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-8);
  text-align: center;
}
.promise-item i { color: var(--gold); width: 32px; height: 32px; margin-bottom: var(--space-4); }
.promise-item svg { width: 32px; height: 32px; }
.promise-item h4 { color: var(--white); margin-bottom: var(--space-2); }
.promise-item p { font-size: var(--text-sm); color: rgba(255,255,255,0.6); }
@media (max-width: 768px) { .promise-grid { grid-template-columns: 1fr; gap: var(--space-6); } }

/* ============================================================
   19. INTERACTIVE COMPONENTS
   ============================================================ */

/* --- Life events tabs --- */
.life-events-tabs {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}
.life-events-nav {
  display: flex;
  justify-content: safe center;
  overflow-x: auto;
  border-bottom: 1px solid var(--border);
  scrollbar-width: none;
}
.life-events-nav::-webkit-scrollbar { display: none; }
.life-tab {
  display: flex; flex-direction: column; align-items: center; gap: var(--space-2);
  padding: var(--space-5) var(--space-6);
  background: none; border: none; cursor: pointer;
  border-bottom: 2px solid transparent;
  transition: background var(--ease-fast), border-color var(--ease-fast);
  white-space: nowrap; min-width: fit-content;
}
.life-tab svg { width: 20px; height: 20px; color: var(--text-muted); transition: color var(--ease-fast); }
.life-tab span { font-size: var(--text-xs); font-weight: var(--weight-medium); color: var(--text-muted); }
.life-tab:hover { background: var(--warm-white); }
.life-tab.active { border-bottom-color: var(--gold); }
.life-tab.active svg, .life-tab.active span { color: var(--navy); }
.life-panel { display: none; }
.life-panel.active { display: block; animation: fadeIn 250ms ease; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
.life-panel-inner { padding: var(--space-10) var(--space-10); }
.life-panel-header { display: flex; align-items: center; justify-content: center; gap: var(--space-4); margin-bottom: var(--space-5); }
.life-panel-icon { width: 36px; height: 36px; color: var(--gold); flex-shrink: 0; }
.life-panel-header h3 { margin: 0; color: var(--navy); }
.life-panel-intro { color: var(--text-mid); margin-bottom: var(--space-6); max-width: 680px; }
.life-actions { list-style: none; display: flex; flex-direction: column; gap: var(--space-4); margin-bottom: var(--space-8); }
.life-action { display: flex; align-items: flex-start; gap: var(--space-4); padding: var(--space-4); background: var(--warm-white); border-radius: var(--radius-md); }
.life-action svg { width: 18px; height: 18px; color: var(--gold); flex-shrink: 0; margin-top: 2px; }
.life-action p { margin: 0; font-size: var(--text-sm); color: var(--text-mid); }
@media (max-width: 600px) { .life-panel-inner { padding: var(--space-6); } }

/* --- Retirement calculator --- */
.calculator-widget {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-md);
  overflow: hidden;
  max-width: 900px;
  margin: 0 auto;
}
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; }
.calc-inputs {
  padding: var(--space-10);
  border-right: 1px solid var(--border);
  display: flex; flex-direction: column; gap: var(--space-6);
}
.calc-group { display: flex; flex-direction: column; gap: var(--space-2); }
.calc-group label { font-size: var(--text-sm); font-weight: var(--weight-medium); color: var(--navy); }
.calc-group label strong { color: var(--gold); }
.calc-range { width: 100%; accent-color: var(--gold); height: 4px; cursor: pointer; }
.calc-results {
  padding: var(--space-10);
  display: flex; flex-direction: column; gap: var(--space-6);
  background: var(--navy);
}
.calc-label {
  display: block;
  font-size: var(--text-xs);
  font-weight: var(--weight-semi);
  letter-spacing: var(--tracking-caps);
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  margin-bottom: var(--space-3);
}
.calc-amount {
  font-family: var(--font-display);
  font-size: clamp(2.5rem, 4vw, 4rem);
  font-weight: var(--weight-semi);
  color: var(--gold);
  line-height: 1;
}
.calc-amount-sm {
  font-family: var(--font-display);
  font-size: clamp(1.75rem, 2.5vw, 2.5rem);
  font-weight: var(--weight-semi);
  color: var(--gold-light);
}
.calc-divider { height: 1px; background: rgba(255,255,255,0.1); }
.calc-result-secondary .fine-print { color: rgba(255,255,255,0.4); margin-top: var(--space-2); }
.calc-cta p { font-size: var(--text-sm); color: rgba(255,255,255,0.65); margin-bottom: var(--space-4); }
@media (max-width: 720px) {
  .calc-grid { grid-template-columns: 1fr; }
  .calc-inputs { border-right: none; border-bottom: 1px solid var(--border); }
}

/* --- Financial health quiz --- */
.health-quiz {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-md);
  overflow: hidden;
  max-width: 760px;
  margin: 0 auto;
}
.quiz-inner { padding: var(--space-10); }
.quiz-progress {
  display: flex; align-items: center; justify-content: space-between;
  margin-bottom: var(--space-6);
}
.quiz-progress-label { font-size: var(--text-xs); letter-spacing: var(--tracking-caps); text-transform: uppercase; color: var(--gold); font-weight: var(--weight-semi); }
.quiz-progress-bar { flex: 1; height: 4px; background: var(--cream); border-radius: var(--radius-full); margin-left: var(--space-5); overflow: hidden; }
.quiz-progress-fill { height: 100%; background: var(--gold); width: 0; transition: width var(--ease-base); }
.quiz-question { font-family: var(--font-display); font-size: var(--text-2xl); color: var(--navy); line-height: var(--leading-snug); margin-bottom: var(--space-8); }
.quiz-options { display: flex; flex-direction: column; gap: var(--space-3); }
.quiz-option {
  display: flex; align-items: center; gap: var(--space-3);
  padding: var(--space-5);
  background: var(--warm-white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  cursor: pointer;
  font-size: var(--text-base);
  font-weight: var(--weight-medium);
  color: var(--navy);
  text-align: left;
  transition: border-color var(--ease-fast), background var(--ease-fast), transform var(--ease-fast);
}
.quiz-option:hover { border-color: var(--gold); background: var(--white); transform: translateX(3px); }
.quiz-option i, .quiz-option svg { width: 18px; height: 18px; color: var(--gold); }
/* Quiz result */
.quiz-result { text-align: center; padding: var(--space-6) 0; }
.quiz-result-icon { width: 56px; height: 56px; margin: 0 auto var(--space-5); }
.quiz-result-icon svg { width: 56px; height: 56px; }
.quiz-result-label { font-family: var(--font-display); font-size: var(--text-3xl); margin-bottom: var(--space-4); }
.quiz-result-score { font-family: var(--font-mono); font-size: var(--text-sm); color: var(--text-muted); margin-bottom: var(--space-4); }
.quiz-result p { color: var(--text-mid); max-width: 60ch; margin: 0 auto var(--space-6); }
.quiz-result-cta { font-weight: var(--weight-medium); color: var(--navy); margin-bottom: var(--space-6); }
.quiz-restart { background: none; border: none; color: var(--text-muted); font-size: var(--text-sm); cursor: pointer; text-decoration: underline; margin-top: var(--space-5); }
.quiz-restart:hover { color: var(--gold); }

/* ============================================================
   20. 404
   ============================================================ */
.error-page {
  min-height: 100vh;
  display: flex; align-items: center; justify-content: center;
  text-align: center;
  background: var(--navy-dark);
  padding: var(--gutter);
  position: relative;
  overflow: hidden;
}
.error-page::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(circle at 50% 40%, rgba(201,151,58,0.12), transparent 55%);
}
.error-inner { position: relative; z-index: 1; max-width: 560px; }
.error-code {
  font-family: var(--font-display);
  font-size: clamp(6rem, 18vw, 12rem);
  font-weight: var(--weight-bold);
  color: var(--gold);
  line-height: 0.9;
  letter-spacing: var(--tracking-tight);
}
.error-page h1 { color: var(--white); font-size: var(--text-3xl); margin: var(--space-4) 0 var(--space-4); }
.error-page p { color: rgba(255,255,255,0.7); margin-bottom: var(--space-8); }
.error-cta { display: flex; gap: var(--space-4); justify-content: center; flex-wrap: wrap; }

/* ============================================================
   GENERIC PAGE INTRO (legal pages)
   ============================================================ */
.legal-content h2 { margin: var(--space-10) 0 var(--space-4); }
.legal-content h3 { margin: var(--space-6) 0 var(--space-3); }
.legal-content p, .legal-content li { margin-bottom: var(--space-4); color: var(--text-mid); }
.legal-content ul { padding-left: var(--space-6); list-style: disc; }
.legal-content a { color: var(--gold); }
.legal-updated { font-size: var(--text-sm); color: var(--text-muted); font-style: italic; margin-bottom: var(--space-8); }