/* ============================================================
   FinanceLink — Premium HNW Design System
   ============================================================ */

/* ── Variables ─────────────────────────────────────────────── */
:root {
  --navy:       #001F4D;
  --navy-light: #002766;
  --white:      #FFFFFF;
  --light-gray: #F5F5F5;
  --gold:       #D4AF37;
  --gold-dark:  #B8941F;
  --gold-light: #F0D060;
  --text:       #001F4D;
  --text-muted: #5A6A7E;
  --border:     #E0E6EF;
  --shadow-sm:  0 2px 8px rgba(0,31,77,0.08);
  --shadow-md:  0 8px 32px rgba(0,31,77,0.12);
  --shadow-lg:  0 20px 60px rgba(0,31,77,0.18);
  --radius:     12px;
  --radius-lg:  20px;
  --transition: 0.3s ease;
  --font:       -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', sans-serif;
}

/* ── Reset & Base ───────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; font-size: 17px; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}

body {
  font-family: var(--font);
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { cursor: pointer; font-family: var(--font); }
input, textarea, select { font-family: var(--font); }

/* ── Typography ─────────────────────────────────────────────── */
h1, h2, h3, h4, h5, h6 {
  line-height: 1.2;
  font-weight: 700;
  color: var(--navy);
}
h1 { font-size: clamp(2rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }
h4 { font-size: 1.1rem; }
p  { color: var(--text-muted); }

/* ── Layout ─────────────────────────────────────────────────── */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

section { padding: 80px 0; }

/* ── Buttons ─────────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: 50px;
  font-size: 0.95rem;
  font-weight: 600;
  border: 2px solid transparent;
  transition: all var(--transition);
  white-space: nowrap;
  text-decoration: none;
}

.btn-gold {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--navy);
  border-color: transparent;
  box-shadow: 0 4px 16px rgba(212,175,55,0.35);
}
.btn-gold:hover {
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(212,175,55,0.45);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.6);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.12);
  border-color: var(--white);
  transform: translateY(-2px);
}

.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline-navy:hover {
  background: var(--navy);
  color: var(--white);
  transform: translateY(-2px);
}

.btn-outline-gold {
  background: transparent;
  color: var(--gold-dark);
  border-color: var(--gold);
}
.btn-outline-gold:hover {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--navy);
  transform: translateY(-2px);
}

/* ── Navigation ──────────────────────────────────────────────── */
.nav {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--navy);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(212,175,55,0.12);
  transition: box-shadow var(--transition);
}
.nav.scrolled {
  box-shadow: 0 4px 24px rgba(0,31,77,0.35);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
  gap: 32px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 0;
  flex-shrink: 0;
  text-decoration: none;
}
.nav-logo-mark {
  display: none;
}
.nav-logo-text {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.3px;
}
.nav-logo-text span { color: var(--gold); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 8px;
  flex: 1;
  justify-content: center;
}
.nav-links a {
  color: var(--white);
  font-size: 0.92rem;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: 6px;
  transition: all var(--transition);
}
.nav-links a:hover,
.nav-links a:focus-visible {
  color: var(--white);
  background: rgba(255,255,255,0.12);
}
.nav-links a.active {
  color: var(--gold-light);
  background: rgba(212,175,55,0.14);
  box-shadow: inset 0 -2px 0 rgba(212,175,55,0.65);
}

.nav-cta { flex-shrink: 0; }
.nav-cta .btn { padding: 10px 24px; font-size: 0.88rem; }

.nav-hamburger {
  display: none;
  background: none;
  border: none;
  color: var(--white);
  padding: 6px;
  border-radius: 6px;
}
.nav-hamburger:hover { background: rgba(255,255,255,0.1); }
.nav-hamburger svg { width: 24px; height: 24px; display: block; }

/* ── Hero ─────────────────────────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, #003380 50%, #00214D 100%);
  color: var(--white);
  padding: 120px 0 100px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 70% 60% at 60% 40%, rgba(212,175,55,0.08) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}

.hero-content {
  position: relative;
  z-index: 1;
  max-width: 760px;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(212,175,55,0.15);
  border: 1px solid rgba(212,175,55,0.4);
  color: var(--gold-light);
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 50px;
  margin-bottom: 24px;
}
.hero h1 {
  color: var(--white);
  margin-bottom: 20px;
  letter-spacing: -0.5px;
}
.hero h1 span { color: var(--gold); }
.hero p {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.78);
  margin-bottom: 40px;
  max-width: 600px;
}
.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

/* ── Section Headers ──────────────────────────────────────────── */
.section-header {
  text-align: center;
  margin-bottom: 56px;
}
.section-header .label {
  display: inline-block;
  color: var(--gold-dark);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 12px;
}
.section-header h2 { margin-bottom: 16px; }
.section-header p {
  font-size: 1.05rem;
  max-width: 560px;
  margin: 0 auto;
}

/* ── Cards ────────────────────────────────────────────────────── */
.card {
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--border);
  padding: 32px;
  transition: all var(--transition);
}
.card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: rgba(212,175,55,0.3);
}

/* ── Feature Cards ────────────────────────────────────────────── */
.features-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 20px;
}

.feature-card {
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--border);
  padding: 28px 22px;
  transition: all var(--transition);
  overflow: hidden;
  cursor: pointer;
}
.feature-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: var(--gold);
}

.feature-card .icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: linear-gradient(135deg, rgba(212,175,55,0.12), rgba(212,175,55,0.06));
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  color: var(--gold-dark);
  transition: all var(--transition);
}
.feature-card .icon svg { width: 22px; height: 22px; }
.feature-card:hover .icon {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--navy);
}

.feature-card h3 {
  font-size: 1rem;
  margin-bottom: 10px;
  color: var(--navy);
}
.feature-card .desc {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.55;
  max-height: 0;
  overflow: hidden;
  opacity: 0;
  transition: max-height 0.4s ease, opacity 0.3s ease;
}
.feature-card:hover .desc {
  max-height: 120px;
  opacity: 1;
}

/* ── Benefits Section ─────────────────────────────────────────── */
.benefits-section { background: var(--light-gray); }

.benefits-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.benefit-list { list-style: none; }
.benefit-list li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  margin-bottom: 24px;
  font-size: 0.98rem;
}
.benefit-list li .check-icon {
  width: 28px;
  height: 28px;
  min-width: 28px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  margin-top: 2px;
}
.benefit-list li .check-icon svg { width: 14px; height: 14px; }
.benefit-list li strong { color: var(--navy); display: block; margin-bottom: 2px; }
.benefit-list li p { color: var(--text-muted); font-size: 0.9rem; margin: 0; }

/* ── Dashboard Mockup ─────────────────────────────────────────── */
.dashboard-mockup {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-lg);
  position: relative;
  overflow: hidden;
}
.dashboard-mockup::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-dark));
}
.dash-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 20px;
}
.dash-title {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.5);
  letter-spacing: 1px;
  text-transform: uppercase;
}
.dash-badge {
  font-size: 0.72rem;
  background: rgba(212,175,55,0.15);
  color: var(--gold);
  border: 1px solid rgba(212,175,55,0.3);
  padding: 3px 10px;
  border-radius: 50px;
}
.dash-net-worth {
  margin-bottom: 22px;
}
.dash-amount {
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
  margin-bottom: 6px;
}
.dash-change {
  font-size: 0.82rem;
  color: #4ADE80;
  display: flex;
  align-items: center;
  gap: 4px;
}

/* Sparkline */
.sparkline {
  width: 100%;
  height: 60px;
  margin-bottom: 22px;
}
.sparkline svg { width: 100%; height: 100%; }

.dash-metrics {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.dash-metric {
  background: rgba(255,255,255,0.06);
  border-radius: 8px;
  padding: 12px 14px;
  border: 1px solid rgba(255,255,255,0.06);
}
.dash-metric-label {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.45);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  margin-bottom: 4px;
}
.dash-metric-value {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--white);
}
.dash-metric-sub {
  font-size: 0.72rem;
  color: #4ADE80;
}

/* ── Testimonials ─────────────────────────────────────────────── */
.testimonials-section { background: var(--white); }

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.testimonial-card {
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--border);
  padding: 36px 32px;
  position: relative;
  transition: all var(--transition);
}
.testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.quote-mark {
  color: var(--gold);
  margin-bottom: 16px;
}
.quote-mark svg { width: 40px; height: 40px; }

.testimonial-card p {
  font-size: 0.98rem;
  line-height: 1.7;
  color: var(--text-muted);
  margin-bottom: 24px;
  font-style: italic;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 14px;
}
.author-avatar {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), #003380);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--gold);
  flex-shrink: 0;
}
.author-info strong {
  display: block;
  font-size: 0.92rem;
  color: var(--navy);
}
.author-info span {
  font-size: 0.82rem;
  color: var(--text-muted);
}

/* ── Pricing Section & Cards ──────────────────────────────────── */
.pricing-section { background: var(--light-gray); }

.pricing-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  align-items: start;
}

.pricing-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  padding: 40px 32px;
  position: relative;
  transition: all var(--transition);
}
.pricing-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
}
.pricing-card.featured {
  border-color: var(--gold);
  box-shadow: 0 0 0 2px rgba(212,175,55,0.2), var(--shadow-md);
}

.popular-badge {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--navy);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 5px 18px;
  border-radius: 50px;
  white-space: nowrap;
}

.pricing-card .plan-name {
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 8px;
}
.pricing-card .price-amount {
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 4px;
  transition: transform 0.2s ease;
}
.pricing-card .price-period {
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-bottom: 20px;
}
.yearly-savings {
  display: none;
  background: rgba(212,175,55,0.1);
  color: var(--gold-dark);
  border: 1px solid rgba(212,175,55,0.3);
  font-size: 0.78rem;
  font-weight: 600;
  padding: 4px 12px;
  border-radius: 50px;
  margin-bottom: 20px;
}
.yearly-savings.visible { display: inline-block; }

.pricing-card .plan-desc {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-bottom: 28px;
  padding-bottom: 28px;
  border-bottom: 1px solid var(--border);
}
.pricing-features { margin-bottom: 32px; }
.pricing-features li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-bottom: 12px;
}
.pricing-features li .feat-check {
  width: 18px;
  height: 18px;
  min-width: 18px;
  border-radius: 50%;
  background: rgba(212,175,55,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-dark);
  margin-top: 2px;
}
.pricing-features li .feat-check svg { width: 10px; height: 10px; }

.pricing-card .btn { width: 100%; justify-content: center; }

/* ── Pricing Toggle ───────────────────────────────────────────── */
.pricing-toggle-wrap {
  text-align: center;
  margin-bottom: 48px;
}
.pricing-toggle-wrap p { margin-bottom: 16px; }
.toggle-buttons {
  display: inline-flex;
  background: var(--light-gray);
  border: 1px solid var(--border);
  border-radius: 50px;
  padding: 4px;
  gap: 4px;
}
.toggle-btn {
  background: none;
  border: none;
  padding: 10px 28px;
  border-radius: 50px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-muted);
  transition: all var(--transition);
}
.toggle-btn.active {
  background: var(--navy);
  color: var(--white);
  box-shadow: var(--shadow-sm);
}
.yearly-banner {
  display: none;
  background: linear-gradient(135deg, rgba(212,175,55,0.12), rgba(212,175,55,0.06));
  border: 1px solid rgba(212,175,55,0.3);
  border-radius: 8px;
  padding: 12px 24px;
  margin-bottom: 32px;
  text-align: center;
  font-size: 0.92rem;
  color: var(--gold-dark);
  font-weight: 600;
}
.yearly-banner.visible { display: block; }

/* ── Checkout Modal ───────────────────────────────────────────── */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,15,40,0.82);
  backdrop-filter: blur(6px);
  z-index: 2000;
  align-items: center;
  justify-content: center;
  padding: 20px;
}
.modal-overlay.open { display: flex; }

.modal-box {
  background: linear-gradient(180deg, #ffffff 0%, #f9fbff 100%);
  border-radius: var(--radius-lg);
  width: 100%;
  max-width: 520px;
  max-height: 90vh;
  overflow-y: auto;
  padding: 40px;
  position: relative;
  border: 1px solid rgba(0,31,77,0.08);
  box-shadow: var(--shadow-lg);
}
.modal-close {
  position: absolute;
  top: 16px;
  right: 16px;
  background: var(--light-gray);
  border: none;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-muted);
  transition: all var(--transition);
}
.modal-close:hover { background: var(--border); color: var(--navy); }
.modal-close svg { width: 16px; height: 16px; }

.modal-box h2 { font-size: 1.6rem; margin-bottom: 6px; }
.modal-box .modal-subtitle { color: var(--text-muted); font-size: 0.9rem; margin-bottom: 28px; }

.selected-plan-display {
  background: var(--light-gray);
  border-radius: var(--radius);
  padding: 16px 20px;
  margin-bottom: 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.selected-plan-display .plan-label { font-size: 0.8rem; color: var(--text-muted); }
.selected-plan-display .plan-value { font-weight: 700; color: var(--navy); }
.selected-plan-display .plan-price { font-size: 1.2rem; font-weight: 800; color: var(--gold-dark); }

/* ── Forms ────────────────────────────────────────────────────── */
.form-group { margin-bottom: 20px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
}
input[type="text"],
input[type="email"],
input[type="tel"],
input[type="number"],
textarea,
select {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-size: 0.95rem;
  color: var(--navy);
  background: var(--white);
  transition: all var(--transition);
  outline: none;
}
input:focus, textarea:focus, select:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(212,175,55,0.15);
}
input.error, textarea.error, select.error { border-color: #E53E3E; }
textarea { resize: vertical; min-height: 130px; }

.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.85rem;
  color: var(--text-muted);
  cursor: pointer;
  line-height: 1.5;
}
.checkbox-label input[type="checkbox"] {
  width: 18px;
  height: 18px;
  min-width: 18px;
  margin-top: 2px;
  accent-color: var(--gold-dark);
  cursor: pointer;
}
.checkbox-label a { color: var(--gold-dark); text-decoration: underline; }

.gdpr-notice {
  font-size: 0.78rem;
  color: var(--text-muted);
  line-height: 1.5;
  margin-top: 12px;
  padding: 10px 14px;
  background: var(--light-gray);
  border-radius: 6px;
  border-left: 3px solid var(--gold);
}

/* ── Newsletter Modal ─────────────────────────────────────────── */
#newsletter-modal .modal-box {
  max-width: 520px;
  text-align: center;
  border-top: 4px solid var(--gold);
}
#newsletter-modal .modal-box h2 { margin-bottom: 8px; }
#newsletter-modal .modal-box p {
  margin-bottom: 24px;
  font-size: 0.96rem;
  color: var(--text-muted);
}
#newsletter-modal .form-group { text-align: left; }
#newsletter-modal .checkbox-label {
  background: var(--light-gray);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 12px 14px;
}
#newsletter-modal .gdpr-notice {
  text-align: left;
  background: #fff8e8;
  border: 1px solid rgba(212,175,55,0.22);
  border-left: 3px solid var(--gold);
}
.newsletter-success {
  display: none;
  color: #16A34A;
  font-weight: 600;
  padding: 14px;
  background: #F0FDF4;
  border-radius: 8px;
  margin-top: 16px;
  text-align: center;
}

/* ── Security Page ─────────────────────────────────────────────── */
.security-cards {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}

.security-card {
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--border);
  padding: 36px;
  transition: all var(--transition);
}
.security-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: rgba(212,175,55,0.3);
}
.security-card .sec-icon {
  width: 60px;
  height: 60px;
  border-radius: 16px;
  background: linear-gradient(135deg, var(--navy), #003380);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  margin-bottom: 20px;
}
.security-card .sec-icon svg { width: 28px; height: 28px; }
.security-card h3 { margin-bottom: 12px; }
.security-card p { font-size: 0.93rem; margin-bottom: 16px; }
.security-card ul { padding-left: 0; }
.security-card ul li {
  font-size: 0.88rem;
  color: var(--text-muted);
  padding: 6px 0;
  border-bottom: 1px solid var(--border);
  display: flex;
  align-items: center;
  gap: 8px;
}
.security-card ul li::before {
  content: '';
  width: 6px;
  height: 6px;
  min-width: 6px;
  border-radius: 50%;
  background: var(--gold);
}

/* Vault lock animation */
.vault-illustration {
  text-align: center;
  padding: 48px 0;
}
.lock-svg-wrap {
  display: inline-block;
  color: var(--gold);
  animation: lockPulse 2.5s ease-in-out infinite;
}
.lock-svg-wrap svg { width: 100px; height: 100px; }

@keyframes lockPulse {
  0%, 100% { filter: drop-shadow(0 0 8px rgba(212,175,55,0.3)); transform: scale(1); }
  50% { filter: drop-shadow(0 0 24px rgba(212,175,55,0.7)); transform: scale(1.04); }
}

.security-badges {
  display: flex;
  justify-content: center;
  gap: 20px;
  flex-wrap: wrap;
  margin: 48px 0;
}
.sec-badge {
  display: flex;
  align-items: center;
  gap: 10px;
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 12px;
  padding: 14px 22px;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--navy);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
}
.sec-badge:hover { border-color: var(--gold); box-shadow: var(--shadow-md); }
.sec-badge .badge-icon {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
}
.sec-badge .badge-icon svg { width: 16px; height: 16px; }

/* ── Vault Categories ─────────────────────────────────────────── */
.vault-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.vault-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px 20px;
  text-align: center;
  transition: all var(--transition);
}
.vault-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--gold);
}
.vault-card .vault-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: linear-gradient(135deg, rgba(212,175,55,0.1), rgba(212,175,55,0.05));
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 14px;
  color: var(--gold-dark);
}
.vault-card .vault-icon svg { width: 22px; height: 22px; }
.vault-card h4 { font-size: 0.92rem; margin-bottom: 6px; }
.vault-card p { font-size: 0.82rem; }

/* ── AI Chat Mockup ───────────────────────────────────────────── */
.ai-chat-mockup {
  background: var(--light-gray);
  border-radius: var(--radius-lg);
  padding: 28px;
  max-width: 480px;
}
.chat-header {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 20px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--border);
}
.chat-avatar {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), #003380);
  display: flex; align-items: center; justify-content: center;
  color: var(--gold);
}
.chat-avatar svg { width: 20px; height: 20px; }
.chat-title { font-size: 0.92rem; font-weight: 700; color: var(--navy); }
.chat-status { font-size: 0.78rem; color: #16A34A; }
.chat-messages { display: flex; flex-direction: column; gap: 14px; }
.chat-msg {
  max-width: 85%;
  padding: 12px 16px;
  border-radius: 16px;
  font-size: 0.88rem;
  line-height: 1.5;
}
.chat-msg.ai {
  background: var(--white);
  color: var(--text-muted);
  border: 1px solid var(--border);
  border-bottom-left-radius: 4px;
  align-self: flex-start;
}
.chat-msg.user {
  background: var(--navy);
  color: rgba(255,255,255,0.9);
  border-bottom-right-radius: 4px;
  align-self: flex-end;
}

/* ── Mini Metric Cards ────────────────────────────────────────── */
.metrics-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-bottom: 40px;
}
.metric-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px 20px;
  transition: all var(--transition);
}
.metric-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-sm);
}
.metric-label {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 8px;
}
.metric-value {
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 4px;
}
.metric-change {
  font-size: 0.8rem;
  color: #16A34A;
  font-weight: 600;
}
.metric-change.negative { color: #E53E3E; }

/* ── Chart Containers ─────────────────────────────────────────── */
.chart-container {
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--border);
  padding: 24px;
  margin-bottom: 32px;
  overflow: hidden;
}
.chart-title {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--border);
}

/* ── Values Grid ──────────────────────────────────────────────── */
.values-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.value-card {
  text-align: center;
  padding: 36px 24px;
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--border);
  transition: all var(--transition);
}
.value-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.value-icon {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), #003380);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  color: var(--gold);
}
.value-icon svg { width: 28px; height: 28px; }
.value-card h3 { margin-bottom: 10px; }
.value-card p { font-size: 0.9rem; }

/* ── Team Grid ────────────────────────────────────────────────── */
.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.team-card {
  text-align: center;
  padding: 40px 32px;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  transition: all var(--transition);
}
.team-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.team-avatar {
  width: 90px;
  height: 90px;
  border-radius: 50%;
  margin: 0 auto 20px;
  background: linear-gradient(135deg, var(--navy), #003380);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  font-weight: 700;
  color: var(--gold);
  border: 3px solid rgba(212,175,55,0.3);
}
.team-card h3 { font-size: 1.1rem; margin-bottom: 4px; }
.team-role {
  font-size: 0.82rem;
  color: var(--gold-dark);
  font-weight: 600;
  margin-bottom: 14px;
}
.team-card p { font-size: 0.88rem; }

/* ── Contact Layout ───────────────────────────────────────────── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 56px;
  align-items: start;
}
.contact-info-block {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 40px;
  color: var(--white);
}
.contact-info-block h3 { color: var(--white); margin-bottom: 24px; }
.contact-item {
  display: flex;
  gap: 14px;
  margin-bottom: 22px;
  align-items: flex-start;
}
.contact-item .ci-icon {
  width: 42px;
  height: 42px;
  min-width: 42px;
  border-radius: 10px;
  background: rgba(255,255,255,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
}
.contact-item .ci-icon svg { width: 18px; height: 18px; }
.contact-item .ci-label { font-size: 0.78rem; color: rgba(255,255,255,0.5); margin-bottom: 2px; }
.contact-item .ci-value { font-size: 0.93rem; color: var(--white); font-weight: 500; }
.contact-item a { color: var(--gold-light); text-decoration: underline; }

.form-success {
  display: none;
  background: #F0FDF4;
  border: 1px solid #86EFAC;
  border-radius: var(--radius);
  padding: 20px 24px;
  color: #16A34A;
  font-weight: 600;
  text-align: center;
  margin-top: 16px;
}

/* ── CTA Section ──────────────────────────────────────────────── */
.cta-section {
  background: linear-gradient(135deg, var(--navy), #003380);
  color: var(--white);
  text-align: center;
  padding: 80px 0;
}
.cta-section h2 { color: var(--white); margin-bottom: 16px; }
.cta-section p { color: rgba(255,255,255,0.75); margin-bottom: 36px; font-size: 1.05rem; }
.cta-section .btn-outline { border-color: rgba(255,255,255,0.5); color: var(--white); margin-left: 16px; }

/* ── Footer ───────────────────────────────────────────────────── */
.footer {
  background: var(--navy);
  color: var(--white);
  padding: 64px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr 1fr 1.2fr;
  gap: 36px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer-logo {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 14px;
  letter-spacing: -0.3px;
}
.footer-logo span { color: var(--gold); }
.footer-brand p {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.6;
  margin-bottom: 20px;
}

.footer-contact-list {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.footer-contact-list a,
.footer-contact-list span {
  font-size: 0.86rem;
  color: rgba(255,255,255,0.68);
}

.footer-contact-list a:hover {
  color: var(--gold-light);
}

.social-links { display: flex; gap: 12px; }
.social-link {
  width: 38px;
  height: 38px;
  border-radius: 8px;
  background: rgba(255,255,255,0.07);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.6);
  transition: all var(--transition);
  border: 1px solid rgba(255,255,255,0.06);
}
.social-link:hover {
  background: rgba(212,175,55,0.15);
  color: var(--gold);
  border-color: rgba(212,175,55,0.3);
}
.social-link svg { width: 16px; height: 16px; }

.footer-links h4 {
  color: var(--white);
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.footer-links ul li { margin-bottom: 10px; }
.footer-links ul li a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
  transition: color var(--transition);
}
.footer-links ul li a:hover { color: var(--gold); }

.footer-newsletter h4 {
  color: var(--white);
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 10px;
}
.footer-newsletter p {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.55);
  margin-bottom: 16px;
}
.footer-newsletter {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 16px;
  padding: 24px;
}
.newsletter-form { display: flex; flex-direction: column; gap: 10px; }
.newsletter-form input {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  color: var(--white);
  padding: 10px 14px;
  border-radius: 6px;
  font-size: 0.88rem;
}
.newsletter-form input::placeholder { color: rgba(255,255,255,0.35); }
.newsletter-form input:focus { border-color: var(--gold); background: rgba(255,255,255,0.1); }
.newsletter-form .checkbox-label {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.5);
  align-items: flex-start;
}
.newsletter-form .checkbox-label a { color: var(--gold-light); }
.newsletter-form .btn { margin-top: 4px; }
.newsletter-success {
  font-size: 0.88rem;
  color: #4ADE80;
  padding: 10px 0;
}

.footer-note {
  font-size: 0.77rem;
  color: rgba(255,255,255,0.42);
  margin-top: 10px;
}

.footer-bottom {
  padding: 20px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.footer-bottom p {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.35);
}
.footer-bottom-links {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}
.footer-bottom a {
  color: rgba(255,255,255,0.5);
  text-decoration: underline;
}
.footer-bottom a:hover { color: var(--gold); }

.footer-disclaimer {
  max-width: 420px;
  text-align: right;
}

.footer-disclaimer-text {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.28);
  margin-top: 6px;
  max-width: 400px;
  line-height: 1.5;
}

/* ── Newsletter Modal branded header ────────────────────────── */
.nl-modal-header {
  margin-bottom: 20px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--border);
}
.nl-modal-brand {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.3px;
  line-height: 1.1;
}
.nl-modal-brand span { color: var(--gold-dark); }
.nl-modal-eyebrow {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-top: 5px;
}

/* ── Scroll Animations ────────────────────────────────────────── */
.animate-on-scroll {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.animate-on-scroll.animated {
  opacity: 1;
  transform: translateY(0);
}

/* Stagger delays */
.animate-on-scroll:nth-child(1) { transition-delay: 0.05s; }
.animate-on-scroll:nth-child(2) { transition-delay: 0.10s; }
.animate-on-scroll:nth-child(3) { transition-delay: 0.15s; }
.animate-on-scroll:nth-child(4) { transition-delay: 0.20s; }
.animate-on-scroll:nth-child(5) { transition-delay: 0.25s; }

/* ── Feature Detail Sections ──────────────────────────────────── */
.feature-section { padding: 80px 0; }
.feature-section:nth-child(even) { background: var(--light-gray); }

.feat-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.feat-split.reverse { direction: rtl; }
.feat-split.reverse > * { direction: ltr; }

.feat-list { list-style: none; }
.feat-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 14px 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.93rem;
  color: var(--text-muted);
}
.feat-list li:last-child { border-bottom: none; }
.feat-list li .fl-icon {
  width: 22px;
  height: 22px;
  min-width: 22px;
  border-radius: 50%;
  background: rgba(212,175,55,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-dark);
  margin-top: 2px;
}
.feat-list li .fl-icon svg { width: 11px; height: 11px; }

/* ── Report Types List ────────────────────────────────────────── */
.report-types {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.report-type {
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 16px 20px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--navy);
  transition: all var(--transition);
}
.report-type:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-sm);
}
.report-type .rt-icon {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  flex-shrink: 0;
}
.report-type .rt-icon svg { width: 16px; height: 16px; }

/* ── About Page Sections ──────────────────────────────────────── */
.mission-section {
  background: var(--light-gray);
}
.mission-content {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.mission-stat-block {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-top: 32px;
}
.mission-stat {
  background: var(--white);
  border-radius: var(--radius);
  padding: 24px;
  text-align: center;
  border: 1px solid var(--border);
}
.mission-stat .stat-number {
  font-size: 2rem;
  font-weight: 800;
  color: var(--gold-dark);
  line-height: 1;
  margin-bottom: 6px;
}
.mission-stat p { font-size: 0.85rem; margin: 0; }

/* ── Utilities ────────────────────────────────────────────────── */
.text-center { text-align: center; }
.text-gold { color: var(--gold-dark); }
.mt-8 { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mb-0 { margin-bottom: 0; }
.gap-16 { gap: 16px; }
.bg-light { background: var(--light-gray); }
.bg-navy { background: var(--navy); }

/* ── Responsive — 1024px ──────────────────────────────────────── */
@media (max-width: 1024px) {
  .features-grid { grid-template-columns: repeat(3, 1fr); }
  .pricing-grid { grid-template-columns: repeat(3, 1fr); gap: 20px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  .feat-split { gap: 40px; }
  .contact-grid { grid-template-columns: 1fr; gap: 36px; }
  .contact-info-block { order: -1; }
  .values-grid { grid-template-columns: repeat(2, 1fr); }
  .metrics-row { grid-template-columns: repeat(2, 1fr); }
  .vault-grid { grid-template-columns: repeat(4, 1fr); }
}

/* ── Responsive — 768px ───────────────────────────────────────── */
@media (max-width: 768px) {
  section { padding: 60px 0; }

  .nav-links,
  .nav-cta { display: none; }
  .nav-hamburger { display: flex; }

  .nav-links.open {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: 70px;
    left: 0;
    right: 0;
    bottom: 0;
    background: var(--navy);
    padding: 32px 24px;
    z-index: 999;
    align-items: flex-start;
    gap: 4px;
    overflow-y: auto;
  }
  .nav-links.open a {
    font-size: 1.1rem;
    padding: 12px 16px;
    width: 100%;
  }
  .nav-links.open + .nav-cta {
    display: none;
  }
  .nav-mobile-cta {
    display: block !important;
    margin-top: 16px;
    width: 100%;
  }

  .hero { padding: 80px 0 60px; }
  .hero-actions { flex-direction: column; align-items: flex-start; }

  .features-grid { grid-template-columns: 1fr 1fr; }
  .benefits-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .pricing-grid { grid-template-columns: 1fr; max-width: 420px; margin: 0 auto; }
  .security-cards { grid-template-columns: 1fr; }
  .feat-split { grid-template-columns: 1fr; gap: 32px; }
  .feat-split.reverse { direction: ltr; }
  .team-grid { grid-template-columns: 1fr; max-width: 360px; margin: 0 auto; }
  .values-grid { grid-template-columns: 1fr 1fr; }
  .metrics-row { grid-template-columns: 1fr 1fr; }
  .vault-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-newsletter { padding: 22px 20px; }
  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
  }
  .footer-disclaimer { text-align: left; }
  .form-row { grid-template-columns: 1fr; }
  .report-types { grid-template-columns: 1fr; }
  .mission-content { grid-template-columns: 1fr; }
  .mission-stat-block { grid-template-columns: 1fr 1fr; }
  .cta-section .btn-outline { margin-left: 0; margin-top: 12px; }

  .modal-box { padding: 28px 20px; }
}

@media (max-width: 480px) {
  .features-grid { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: 1fr; }
  .mission-stat-block { grid-template-columns: 1fr; }
  .vault-grid { grid-template-columns: 1fr 1fr; }
}

/* ============================================================
   FinanceLink — Refactored Home Page Styles
   ============================================================ */

/* ── New Buttons ────────────────────────────────────────────── */
.btn-white {
  background: var(--white);
  color: var(--navy);
  border-color: var(--white);
  border-radius: 6px;
}
.btn-white:hover {
  background: var(--light-gray);
  border-color: var(--light-gray);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(255,255,255,0.2);
}

.btn-navy {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
  border-radius: 6px;
}
.btn-navy:hover {
  background: var(--navy-light);
  border-color: var(--navy-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(0,31,77,0.25);
}

/* ── Hero 2-Column Grid ─────────────────────────────────────── */
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.hero-grid .hero-content {
  max-width: none;
}

.hero-visual .dashboard-mockup {
  animation: floatUp 6s ease-in-out infinite;
}

@keyframes floatUp {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-12px); }
}

/* ── Problem Section ────────────────────────────────────────── */
.problem-section { background: var(--white); }

.problem-section .section-header { margin-bottom: 48px; }
.problem-section .section-header h2 { max-width: 640px; margin: 0 auto; }

.problem-columns {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  margin-bottom: 48px;
}

.problem-col {
  padding: 36px;
}
.problem-col:first-child {
  border-right: 1px solid var(--border);
}

.problem-col-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 20px;
  display: block;
}

.problem-list { list-style: none; }
.problem-list li {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.95rem;
  color: var(--text-muted);
}
.problem-list li:last-child { border-bottom: none; }

.problem-dot {
  width: 8px;
  height: 8px;
  min-width: 8px;
  border-radius: 50%;
  background: var(--navy);
  flex-shrink: 0;
}
.problem-dot--muted { background: var(--border); }

.problem-closing {
  text-align: center;
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--navy);
  font-style: italic;
  padding-top: 0;
}

/* ── Solution Section ───────────────────────────────────────── */
.solution-section { background: var(--light-gray); }

.solution-pillars {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.solution-pillar {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 36px 28px;
}

.pillar-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 20px;
  padding-bottom: 14px;
  border-bottom: 2px solid var(--navy);
  display: inline-block;
}

.pillar-items { list-style: none; }
.pillar-items li {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 0;
  font-size: 0.92rem;
  color: var(--text-muted);
  border-bottom: 1px solid var(--border);
}
.pillar-items li:last-child { border-bottom: none; }
.pillar-items li::before {
  content: '';
  width: 4px;
  height: 4px;
  min-width: 4px;
  border-radius: 50%;
  background: var(--navy);
  flex-shrink: 0;
}

/* ── Product Showcase ───────────────────────────────────────── */
.product-showcase { background: var(--white); }

.showcase-block {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
  padding: 60px 0;
}
.showcase-block--reverse .showcase-visual { order: -1; }

.showcase-divider {
  border: none;
  border-top: 1px solid var(--border);
  margin: 0;
}

.showcase-label {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 14px;
}

.showcase-text h3 {
  font-size: clamp(1.4rem, 2.5vw, 2rem);
  color: var(--navy);
  line-height: 1.3;
}

/* Net Worth Mockup Allocation Bars */
.networth-mockup .alloc-list { list-style: none; margin-top: 24px; }
.networth-mockup .alloc-item { margin-bottom: 18px; }
.networth-mockup .alloc-item:last-child { margin-bottom: 0; }

.alloc-label-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 7px;
}
.alloc-name {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 0.8px;
}
.alloc-val {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--white);
}
.alloc-val--neg { color: rgba(255,255,255,0.55); }

.alloc-bar-track {
  height: 4px;
  background: rgba(255,255,255,0.1);
  border-radius: 2px;
  overflow: hidden;
}
.alloc-bar-fill {
  height: 100%;
  background: rgba(255,255,255,0.4);
  border-radius: 2px;
}
.alloc-bar-fill--highlight { background: rgba(255,255,255,0.7); }
.alloc-bar-fill--neg { background: rgba(255,255,255,0.2); }

/* ── Who It's For Section ───────────────────────────────────── */
.who-for-section { background: var(--light-gray); }

.who-for-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.who-for-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 36px;
}
.who-for-card--yes { border-top: 3px solid var(--navy); }
.who-for-card--no  { border-top: 3px solid var(--border); }

.who-for-card h3 {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: 1.5px;
  text-transform: uppercase;
  margin-bottom: 24px;
}

.who-for-list { list-style: none; }
.who-for-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 0;
  font-size: 0.92rem;
  color: var(--text-muted);
  border-bottom: 1px solid var(--border);
}
.who-for-list li:last-child { border-bottom: none; }

.who-for-icon {
  width: 20px;
  height: 20px;
  min-width: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--navy);
}
.who-for-icon--no { color: var(--border); }
.who-for-icon svg { width: 14px; height: 14px; }

/* ── How It Works Section ───────────────────────────────────── */
.how-works-section { background: var(--white); }

.steps-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
  position: relative;
}

.steps-row::before {
  content: '';
  position: absolute;
  top: 23px;
  left: calc(16.67% + 24px);
  right: calc(16.67% + 24px);
  height: 1px;
  background: var(--border);
  z-index: 0;
}

.step { text-align: center; position: relative; z-index: 1; }

.step-number {
  width: 48px;
  height: 48px;
  background: var(--navy);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1rem;
  margin: 0 auto 20px;
}

.step h3 {
  font-size: 1.05rem;
  color: var(--navy);
  margin-bottom: 10px;
}

.step p {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.6;
}

/* ── Responsive — new sections ──────────────────────────────── */
@media (max-width: 1024px) {
  .hero-grid { gap: 40px; }
  .showcase-block { gap: 40px; }
}

@media (max-width: 768px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .hero-grid .hero-content { text-align: center; }
  .hero-grid .hero-actions { justify-content: center; }

  .problem-columns {
    grid-template-columns: 1fr;
  }
  .problem-col:first-child { border-right: none; border-bottom: 1px solid var(--border); }

  .solution-pillars { grid-template-columns: 1fr; }

  .showcase-block {
    grid-template-columns: 1fr;
    gap: 32px;
    padding: 40px 0;
  }
  .showcase-block--reverse .showcase-visual { order: 0; }

  .who-for-grid { grid-template-columns: 1fr; }

  .steps-row {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .steps-row::before { display: none; }
  .step { text-align: left; }
  .step-number { margin: 0 0 16px 0; }
}