/* ═══════════════════════════════════════════════════
   MUBARAK MORTGAGES — v2 Editorial Design
   ═══════════════════════════════════════════════════ */

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

:root {
  --navy:       #0a0f1e;
  --navy-light: #0e1428;
  --navy-dark:  #060b18;
  --navy-card:  #0c1225;
  --gold:       #c9a84c;
  --gold-light: #daa520;
  --gold-dim:   rgba(201,168,76,0.15);
  --gold-border:rgba(201,168,76,0.2);
  --white:      #ffffff;
  --white-85:   rgba(255,255,255,0.85);
  --white-65:   rgba(255,255,255,0.65);
  --white-60:   rgba(255,255,255,0.60);
  --white-55:   rgba(255,255,255,0.55);
  --white-50:   rgba(255,255,255,0.50);
  --white-45:   rgba(255,255,255,0.45);
  --white-40:   rgba(255,255,255,0.40);
  --white-35:   rgba(255,255,255,0.35);
  --white-10:   rgba(255,255,255,0.10);
  --white-05:   rgba(255,255,255,0.04);
  --radius:     6px;
  --ease:       cubic-bezier(0.4, 0, 0.2, 1);
}

html { scroll-behavior: smooth; }

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

/* Film grain overlay — adds organic warmth */
body::after {
  content: '';
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: 1;
  opacity: 0.028;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.75' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='1'/%3E%3C/svg%3E");
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

.container { max-width: 1240px; margin: 0 auto; padding: 0 64px; }

/* Gold gradient text utility */
.gold-grad {
  background: linear-gradient(135deg, #b8860b 0%, #daa520 30%, #ffd700 55%, #c9a84c 80%, #b8860b 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* Islamic geometric pattern overlay */
.geo-pattern::before {
  content: '';
  position: absolute;
  inset: 0;
  pointer-events: none;
  background-image: url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M40 0L80 40L40 80L0 40Z' fill='none' stroke='%23c9a84c' stroke-width='0.4' opacity='0.07'/%3E%3Cpath d='M40 12L68 40L40 68L12 40Z' fill='none' stroke='%23c9a84c' stroke-width='0.3' opacity='0.05'/%3E%3Cpath d='M40 24L56 40L40 56L24 40Z' fill='none' stroke='%23c9a84c' stroke-width='0.2' opacity='0.03'/%3E%3C/svg%3E");
  background-size: 80px 80px;
}

/* ═══════════════════════════════════════════════════
   NAVIGATION
   ═══════════════════════════════════════════════════ */
.nav {
  position: fixed;
  inset: 0 0 auto 0;
  z-index: 999;
  height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 64px;
  background: transparent;
  transition: background 0.5s, backdrop-filter 0.5s, box-shadow 0.5s;
}

.nav--scrolled {
  background: rgba(10, 15, 30, 0.92);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  box-shadow: 0 1px 0 rgba(201,168,76,0.1);
}

.nav__logo {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  font-weight: 700;
  color: var(--white);
  letter-spacing: 0.02em;
  display: inline-flex;
  align-items: center;
  gap: 12px;
  line-height: 1.1;
}
.nav__logo-sub {
  display: block;
  font-family: 'Inter', sans-serif;
  font-size: 8px;
  font-weight: 500;
  color: var(--gold);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-top: 2px;
}
.nav__logo-text {
  display: flex;
  flex-direction: column;
}

.nav__logo::before,
.footer__logo::before {
  content: '';
  display: block;
  flex: 0 0 auto;
  background-image: url('../images/fb78d827a_MubarakmortgagePNG-01.png');
  background-repeat: no-repeat;
  background-position: center;
  background-size: 170% auto;
  filter: drop-shadow(0 10px 18px rgba(11, 100, 255, 0.12));
}

.nav__logo::before {
  width: 34px;
  height: 34px;
}

.nav__links {
  display: flex;
  gap: 40px;
  align-items: center;
}

.nav__links li {
  display: flex;
  align-items: center;
}

.nav__link {
  font-size: 12px;
  font-weight: 400;
  color: var(--white-65);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  transition: color 0.25s;
}

.nav__link:hover,
.nav__link--active { color: var(--white); }

.nav__cta {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--navy);
  background: var(--gold);
  padding: 10px 28px;
  transition: background 0.35s var(--ease), box-shadow 0.35s;
}

.nav__cta:hover {
  background: var(--gold-light);
  box-shadow: 0 4px 20px rgba(201,168,76,0.3);
}

.nav__hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  z-index: 1001;
}

.nav__hamburger span {
  display: block;
  width: 24px;
  height: 1.5px;
  background: var(--gold);
  transition: transform 0.3s, opacity 0.3s;
}

.nav__hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(4px, 5px); }
.nav__hamburger.active span:nth-child(2) { opacity: 0; }
.nav__hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(4px, -5px); }

.mobile-menu {
  position: fixed;
  inset: 0;
  z-index: 998;
  background: #060b18;
  backdrop-filter: blur(40px);
  -webkit-backdrop-filter: blur(40px);
  display: flex;
  align-items: flex-start;
  justify-content: center;
  padding: 96px 24px 40px;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.4s;
  overflow-y: auto;
}

.mobile-menu.open { opacity: 1; pointer-events: all; }

.mobile-menu__panel {
  width: min(100%, 460px);
}

.mobile-menu__links {
  display: flex;
  flex-direction: column;
  gap: 22px;
  width: 100%;
}

.mobile-menu__links > li {
  width: 100%;
}

.mobile-menu__links > li > a,
.mobile-menu__section-toggle {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(28px, 7vw, 36px);
  font-weight: 600;
  color: var(--white-85);
  transition: color 0.25s;
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  text-align: left;
}

.mobile-menu__links > li > a:hover,
.mobile-menu__section-toggle:hover,
.mobile-menu__section.is-open .mobile-menu__section-toggle {
  color: var(--gold);
}

.mobile-menu__section-toggle {
  background: none;
  border: none;
  padding: 0;
  cursor: pointer;
}

.mobile-menu__section-toggle svg {
  width: 14px;
  height: 14px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.8;
  transition: transform 0.3s var(--ease);
}

.mobile-menu__section.is-open .mobile-menu__section-toggle svg {
  transform: rotate(180deg);
}

.mobile-menu__section-panel {
  display: grid;
  gap: 14px;
  max-height: 0;
  overflow: hidden;
  opacity: 0;
  margin-top: 0;
  padding-left: 12px;
  transition: max-height 0.35s var(--ease), opacity 0.25s var(--ease), margin-top 0.35s var(--ease);
}

.mobile-menu__section.is-open .mobile-menu__section-panel {
  max-height: 320px;
  opacity: 1;
  margin-top: 18px;
}

.mobile-menu__section-panel a {
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  font-weight: 500;
  color: var(--white-65);
  letter-spacing: 0.02em;
  line-height: 1.4;
  transition: color 0.25s;
}

.mobile-menu__section-panel a:hover {
  color: var(--gold);
}

.mobile-menu__section-panel small {
  display: block;
  margin-top: 4px;
  font-size: 12px;
  font-weight: 300;
  color: var(--white-40);
}

.mobile-menu__cta {
  color: var(--gold) !important;
  font-family: 'Inter', sans-serif !important;
  font-size: 13px !important;
  font-weight: 600 !important;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  border: 1px solid var(--gold);
  padding: 14px 36px;
  display: inline-block;
  text-align: center !important;
  justify-content: center !important;
}

/* ═══════════════════════════════════════════════════
   BUTTONS
   ═══════════════════════════════════════════════════ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  font-family: 'Inter', sans-serif;
  cursor: pointer;
  border: none;
  transition: all 0.4s var(--ease);
}

.btn--primary {
  padding: 16px 40px;
  background: var(--gold);
  color: var(--navy);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  position: relative;
  overflow: hidden;
}

.btn--primary::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, transparent 0%, rgba(255,255,255,0.2) 50%, transparent 100%);
  transform: translateX(-100%);
  transition: transform 0.6s var(--ease);
}

.btn--primary:hover::after { transform: translateX(100%); }
.btn--primary:hover { box-shadow: 0 8px 32px rgba(201,168,76,0.35); transform: translateY(-2px); }

.btn--outline {
  padding: 16px 40px;
  border: 1px solid var(--gold-border);
  background: transparent;
  color: var(--white);
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.2em;
  text-transform: uppercase;
}

.btn--outline:hover {
  border-color: var(--gold);
  color: var(--gold);
}

.btn--text {
  color: var(--gold);
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.06em;
  padding: 0;
  background: none;
}

.btn--text::after {
  content: '';
  display: block;
  width: 0;
  height: 1px;
  background: var(--gold);
  transition: width 0.35s;
  margin-top: 2px;
}

.btn--text:hover::after { width: 100%; }

.btn--gold-fill {
  padding: 20px 56px;
  background: var(--gold);
  color: var(--navy);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
}

.btn--gold-fill:hover {
  background: var(--gold-light);
  box-shadow: 0 12px 48px rgba(201,168,76,0.4);
  transform: translateY(-3px);
}

.btn__arrow svg {
  width: 18px;
  height: 10px;
  stroke: currentColor;
  fill: none;
  stroke-width: 1.5;
  stroke-linecap: round;
  stroke-linejoin: round;
  transition: transform 0.3s;
}

.btn:hover .btn__arrow svg { transform: translateX(4px); }

/* ═══════════════════════════════════════════════════
   HERO — Editorial split with angled photo
   ═══════════════════════════════════════════════════ */
.hero {
  min-height: 100vh;
  display: flex;
  align-items: stretch;
  position: relative;
  overflow: hidden;
}

.hero__content {
  width: 48%;
  flex-shrink: 0;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 120px 0 80px 64px;
  position: relative;
  z-index: 2;
}

.hero__meta {
  font-size: 10px;
  font-weight: 500;
  color: var(--white-40);
  letter-spacing: 0.3em;
  text-transform: uppercase;
  margin-bottom: 48px;
  opacity: 0;
  animation: fadeUp 0.8s ease 0.2s forwards;
}

.hero__meta span { color: var(--gold); }

.hero__meet {
  position: absolute;
  bottom: 160px;
  left: 60px;
  z-index: 4;
  display: inline-flex;
  align-items: flex-end;
  gap: 4px;
  text-decoration: none;
  opacity: 0;
  animation: fadeUp 0.8s ease 0.6s forwards;
}
.hero__meet-text {
  font-family: 'Caveat', cursive;
  font-size: 30px;
  font-weight: 700;
  color: var(--white);
  line-height: 1.1;
  text-shadow: 0 2px 12px rgba(0,0,0,0.5);
}
.hero__meet-arrow {
  width: 80px;
  height: 28px;
  color: var(--white);
  margin-bottom: 4px;
  filter: drop-shadow(0 2px 4px rgba(0,0,0,0.3));
}

.hero__title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(48px, 5.5vw, 82px);
  font-weight: 700;
  line-height: 1.02;
  letter-spacing: -0.03em;
  margin-bottom: 28px;
  opacity: 0;
  animation: fadeUp 0.9s ease 0.35s forwards;
}

.hero__title em {
  font-style: italic;
  color: var(--gold);
}

.hero__sub {
  font-size: 17px;
  font-weight: 300;
  color: var(--white-65);
  line-height: 1.75;
  max-width: 380px;
  margin-bottom: 40px;
  opacity: 0;
  animation: fadeUp 0.8s ease 0.55s forwards;
}

.hero__ctas {
  display: flex;
  align-items: center;
  gap: 24px;
  opacity: 0;
  animation: fadeUp 0.8s ease 0.7s forwards;
}

/* Photo side — angled edge */
.hero__visual {
  width: 52%;
  position: relative;
  clip-path: polygon(18% 0, 100% 0, 100% 100%, 0% 100%);
}

.hero__photo-wrap {
  position: absolute;
  inset: 0;
  overflow: hidden;
}

.hero__photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 15%;
  animation: kenBurns 24s ease-in-out infinite alternate;
}

.hero__photo-overlay {
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 35%;
  background: linear-gradient(to top, var(--navy) 0%, transparent 100%);
  pointer-events: none;
}

/* Floating credential */
.hero__credential {
  position: absolute;
  bottom: 60px;
  right: 48px;
  z-index: 3;
  background: rgba(10, 15, 30, 0.65);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid var(--gold-border);
  padding: 18px 28px;
  display: flex;
  flex-direction: column;
  gap: 8px;
  opacity: 0;
  animation: fadeUp 0.8s ease 0.9s forwards, floatSlow 7s ease-in-out 1.5s infinite;
}

.hero__credential-stars {
  color: var(--gold);
  font-size: 15px;
  letter-spacing: 4px;
}

.hero__credential-text {
  font-size: 11px;
  font-weight: 400;
  color: var(--white-65);
  letter-spacing: 0.08em;
}

/* Stats bar pinned at bottom of hero */
.hero__stats-bar {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 5;
  display: flex;
  justify-content: center;
  gap: 0;
  padding: 28px 64px;
  background: rgba(10, 15, 30, 0.6);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-top: 1px solid rgba(201,168,76,0.08);
}

.hero__stat {
  display: flex;
  align-items: baseline;
  gap: 10px;
  padding: 0 48px;
  border-right: 1px solid rgba(201,168,76,0.12);
  opacity: 0;
  animation: fadeUp 0.7s ease calc(0.9s + var(--i) * 0.1s) forwards;
}

.hero__stat:last-child { border-right: none; }

.hero__stat-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 32px;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
}

.hero__stat-label {
  font-size: 11px;
  font-weight: 300;
  color: var(--white-40);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

/* ═══════════════════════════════════════════════════
   INTRO — Editorial photo + text
   ═══════════════════════════════════════════════════ */
.intro {
  padding: 140px 0;
  position: relative;
  overflow: hidden;
}

.intro__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  align-items: center;
  min-height: 520px;
}

.intro__image-col {
  position: relative;
  height: 100%;
  min-height: 520px;
}

.intro__image {
  position: absolute;
  inset: 0;
  overflow: hidden;
}

.intro__image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.intro__image::after {
  content: '';
  position: absolute;
  inset: 0;
  border: 1px solid var(--gold-border);
  pointer-events: none;
}

.intro__text-col {
  padding: 60px 0 60px 80px;
}

.intro__label {
  font-size: 10px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.3em;
  text-transform: uppercase;
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 28px;
}

.intro__label::before {
  content: '';
  width: 40px;
  height: 1px;
  background: var(--gold);
}

.intro__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(32px, 3vw, 44px);
  font-weight: 700;
  line-height: 1.15;
  margin-bottom: 28px;
}

.intro__text {
  font-size: 15px;
  font-weight: 300;
  color: var(--white-65);
  line-height: 1.85;
  margin-bottom: 36px;
  max-width: 440px;
}

.intro__badges {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.intro__badge {
  font-size: 10px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.15em;
  text-transform: uppercase;
  padding: 10px 20px;
  border: 1px solid var(--gold-border);
  border-radius: 100px;
  background: rgba(201,168,76,0.06);
  transition: background 0.3s var(--ease), border-color 0.3s var(--ease);
}
.intro__badge:hover {
  background: rgba(201,168,76,0.12);
  border-color: var(--gold);
}

/* ─── Intro Card Grid (deliverables/outcomes) ────── */
.intro__header {
  text-align: center;
  margin-bottom: 56px;
}

.intro__header .intro__heading {
  margin-bottom: 16px;
}

.intro__sub {
  font-size: 15px;
  font-weight: 300;
  color: var(--white-55);
  line-height: 1.7;
  max-width: 560px;
  margin: 0 auto;
}

.intro__card {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.07);
  border-radius: 14px;
  padding: 28px 24px;
  transition: border-color 0.35s var(--ease), background 0.35s var(--ease);
}

.intro__card:hover {
  border-color: rgba(201,168,76,0.2);
  background: rgba(201,168,76,0.03);
}

.intro__card-icon {
  width: 36px;
  height: 36px;
  color: var(--gold);
  margin-bottom: 16px;
}

.intro__card-icon svg {
  width: 100%;
  height: 100%;
}

.intro__card-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 8px;
}

.intro__card-desc {
  font-size: 14px;
  font-weight: 300;
  color: var(--white-55);
  line-height: 1.65;
}

.intro__grid:has(.intro__card) {
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

@media (max-width: 900px) {
  .intro__grid:has(.intro__card) {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 600px) {
  .intro__grid:has(.intro__card) {
    grid-template-columns: 1fr;
    gap: 14px;
  }
  .intro__card {
    padding: 22px 20px;
  }
}

/* ═══════════════════════════════════════════════════
   SERVICES — Bento grid with overlay text
   ═══════════════════════════════════════════════════ */
.services {
  padding: 0 64px 140px;
}

.services__header {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  margin-bottom: 48px;
  max-width: 1240px;
  margin-left: auto;
  margin-right: auto;
}

.services__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(28px, 2.5vw, 38px);
  font-weight: 700;
}

.services__bento {
  display: grid;
  grid-template-columns: 1fr 1fr;
  grid-template-rows: 1fr 1fr;
  gap: 16px;
  max-width: 1240px;
  margin: 0 auto;
  height: 640px;
}

.services__card {
  position: relative;
  overflow: hidden;
  display: block;
  cursor: pointer;
}

.services__card--tall {
  grid-row: 1 / -1;
}

.services__card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.8s var(--ease);
}

.services__card:hover img { transform: scale(1.06); }

.services__card::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(10,15,30,0.85) 0%, rgba(10,15,30,0.1) 55%);
  transition: background 0.5s;
}

.services__card:hover::after {
  background: linear-gradient(to top, rgba(10,15,30,0.9) 0%, rgba(201,168,76,0.06) 55%);
}

.services__overlay {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 1;
  padding: 36px 32px;
}

.services__tag {
  font-size: 9px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.25em;
  text-transform: uppercase;
  margin-bottom: 10px;
}

.services__title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 26px;
  font-weight: 700;
  margin-bottom: 8px;
  line-height: 1.2;
}

.services__desc {
  font-size: 13px;
  font-weight: 300;
  color: var(--white-65);
  line-height: 1.6;
  max-width: 340px;
}

.services__arrow {
  position: absolute;
  top: 24px;
  right: 24px;
  z-index: 1;
  width: 40px;
  height: 40px;
  border: 1px solid var(--white-10);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: border-color 0.35s, background 0.35s;
}

.services__arrow svg {
  width: 16px;
  height: 16px;
  stroke: var(--white-40);
  fill: none;
  stroke-width: 1.5;
  transition: stroke 0.35s, transform 0.35s;
}

.services__card:hover .services__arrow {
  border-color: var(--gold);
  background: rgba(201,168,76,0.1);
}

.services__card:hover .services__arrow svg {
  stroke: var(--gold);
  transform: translate(2px, -2px);
}

/* ═══════════════════════════════════════════════════
   IMPACT NUMBERS — Big display metrics
   ═══════════════════════════════════════════════════ */
.impact {
  padding: 100px 0;
  position: relative;
  overflow: hidden;
  background: var(--navy-light);
}

.impact__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  text-align: center;
  position: relative;
  z-index: 1;
}

.impact__item {
  padding: 40px 20px;
  border-right: 1px solid rgba(201,168,76,0.08);
}

.impact__item:last-child { border-right: none; }

.impact__num {
  display: block;
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(48px, 5vw, 72px);
  font-weight: 700;
  line-height: 1;
  margin-bottom: 12px;
}

.impact__label {
  display: block;
  font-size: 11px;
  font-weight: 400;
  color: var(--white-40);
  letter-spacing: 0.18em;
  text-transform: uppercase;
}

/* Photo strip below numbers */
.impact__strip {
  margin-top: 64px;
  position: relative;
  z-index: 1;
  overflow: hidden;
  height: 280px;
  max-width: 1240px;
  margin-left: auto;
  margin-right: auto;
}

.impact__strip img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 40%;
}

.impact__strip::after {
  content: '';
  position: absolute;
  inset: 0;
  border: 1px solid var(--gold-border);
  pointer-events: none;
}

/* ═══════════════════════════════════════════════════
   ADVISOR — Cinematic full-width
   ═══════════════════════════════════════════════════ */
.advisor {
  position: relative;
  overflow: hidden;
  min-height: 80vh;
  display: flex;
  align-items: center;
}

.advisor__bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.advisor__bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 15%;
  filter: brightness(0.25) saturate(0.7);
}

.advisor__bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(10,15,30,0.7) 0%, rgba(10,15,30,0.3) 100%);
}

.advisor__content {
  position: relative;
  z-index: 1;
  width: 100%;
  padding: 120px 0;
}

.advisor__inner {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 72px;
  align-items: center;
  max-width: 1000px;
  margin: 0 auto;
  padding: 0 64px;
}

.advisor__portrait {
  width: 260px;
  height: 340px;
  position: relative;
  flex-shrink: 0;
}

.advisor__portrait img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 15%;
  position: relative;
  z-index: 1;
}

.advisor__portrait::before {
  content: none;
}

.advisor__text-block {}

.advisor__label {
  font-size: 10px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.3em;
  text-transform: uppercase;
  display: inline-flex;
  align-items: center;
  margin-bottom: 20px;
}

.advisor__label::before {
  content: none;
}

.advisor__name {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(36px, 3.5vw, 52px);
  font-weight: 700;
  margin-bottom: 24px;
  line-height: 1.1;
}

.advisor__quote {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  font-weight: 400;
  font-style: italic;
  color: var(--white-85);
  line-height: 1.6;
  margin-bottom: 24px;
  padding-left: 0;
  border-left: none;
}

.advisor__bio {
  font-size: 14px;
  font-weight: 300;
  color: var(--white-65);
  line-height: 1.8;
  margin-bottom: 28px;
  max-width: 460px;
}

.advisor__creds {
  display: flex;
  gap: 12px;
  margin-bottom: 28px;
  flex-wrap: wrap;
}

.advisor__cred {
  font-size: 10px;
  font-weight: 500;
  color: var(--gold);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 7px 16px;
  border: 1px solid var(--gold-border);
}

/* ═══════════════════════════════════════════════════
   PROCESS — Photo-anchored timeline
   ═══════════════════════════════════════════════════ */
.process {
  padding: 140px 0;
}

.process__header {
  text-align: center;
  margin-bottom: 80px;
}

.process__eyebrow {
  display: block;
  font-family: var(--body);
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.process__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(28px, 2.5vw, 38px);
  font-weight: 700;
  margin-bottom: 12px;
}

.process__sub {
  font-size: 15px;
  font-weight: 300;
  color: var(--white-40);
}

.process__track {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 48px 32px;
  max-width: 1100px;
  margin: 0 auto;
  position: relative;
}

.process__track::before {
  display: none;
}

.process__step {
  text-align: center;
  padding: 32px 16px;
  border-radius: 16px;
  background: rgba(255,255,255,0.02);
  border: 1px solid rgba(201,168,76,0.1);
  transition: border-color 0.3s ease, transform 0.3s ease, background 0.3s ease;
}

.process__step:hover {
  border-color: rgba(201,168,76,0.35);
  background: rgba(201,168,76,0.04);
  transform: translateY(-4px);
}

.process__step-marker {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  border: 2px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  background: var(--navy);
  position: relative;
  z-index: 1;
  transition: background 0.3s ease;
}

.process__step:hover .process__step-marker {
  background: rgba(201,168,76,0.15);
}

.process__step-marker span {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  font-weight: 700;
  color: var(--gold);
}

.process__thumb {
  width: 112px;
  height: 112px;
  border-radius: 50%;
  overflow: hidden;
  margin: 0 auto 28px;
  border: 2px solid var(--gold-border);
  position: relative;
  z-index: 1;
  background: var(--navy);
}

.process__thumb img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.process__step-title {
  font-size: 16px;
  font-weight: 500;
  margin-bottom: 8px;
}

.process__step-desc {
  font-size: 13px;
  font-weight: 300;
  color: var(--white-40);
  line-height: 1.6;
  max-width: 220px;
  margin: 0 auto;
}

/* ═══════════════════════════════════════════════════
   TESTIMONIALS — Asymmetric layout
   ═══════════════════════════════════════════════════ */
.testimonials {
  padding: 0 0 140px;
}

.testimonials__header {
  max-width: 1240px;
  margin: 0 auto 56px;
  padding: 0 64px;
}

.testimonials__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(28px, 2.5vw, 38px);
  font-weight: 700;
}

.testimonials__grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 16px;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 64px;
}

.testimonials__featured {
  background: var(--navy-card);
  padding: 56px 48px;
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  justify-content: center;
  min-height: 380px;
}

.testimonials__featured::before {
  content: '\201C';
  position: absolute;
  top: 20px;
  left: 40px;
  font-family: 'Cormorant Garamond', serif;
  font-size: 160px;
  color: rgba(201,168,76,0.06);
  line-height: 1;
  pointer-events: none;
}

.testimonials__stars {
  color: var(--gold);
  font-size: 14px;
  letter-spacing: 4px;
  margin-bottom: 24px;
}

.testimonials__quote {
  font-family: 'Cormorant Garamond', serif;
  font-size: 24px;
  font-weight: 400;
  font-style: italic;
  color: var(--white-85);
  line-height: 1.6;
  margin-bottom: 32px;
}

.testimonials__name {
  font-size: 14px;
  font-weight: 500;
  color: var(--white);
  margin-bottom: 4px;
}

.testimonials__loc {
  font-size: 12px;
  font-weight: 300;
  color: var(--white-40);
}

.testimonials__side {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.testimonials__card {
  background: var(--white-05);
  padding: 36px 32px;
  flex: 1;
  border-left: 2px solid var(--gold-border);
}

.testimonials__card .testimonials__quote {
  font-size: 16px;
  margin-bottom: 20px;
}

/* ═══════════════════════════════════════════════════
   CTA BANNER — Full-bleed dramatic
   ═══════════════════════════════════════════════════ */
.cta-banner {
  position: relative;
  padding: 140px 0;
  text-align: center;
  overflow: hidden;
  z-index: 0;
}

.cta-banner__bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.cta-banner__bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 60%;
  filter: brightness(0.35) saturate(0.6);
}

.cta-banner__bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to bottom, var(--navy) 0%, transparent 20%, transparent 80%, var(--navy) 100%);
  z-index: 1;
}

.cta-banner__content {
  position: relative;
  z-index: 2;
  max-width: 720px;
  margin: 0 auto;
  padding: 0 32px;
}

.cta-banner__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(40px, 5vw, 64px);
  font-weight: 700;
  margin-bottom: 16px;
  letter-spacing: -0.02em;
}

.cta-banner__sub {
  font-size: 17px;
  font-weight: 300;
  color: var(--white-65);
  margin-bottom: 48px;
}

.cta-banner__phone {
  margin-top: 24px;
  font-size: 14px;
  color: var(--white-40);
}

.cta-banner__phone a {
  color: var(--gold);
  font-weight: 500;
}

/* ═══════════════════════════════════════════════════
   FOOTER
   ═══════════════════════════════════════════════════ */
.footer {
  background:
    radial-gradient(circle at top left, rgba(201,168,76,0.09), transparent 36%),
    linear-gradient(180deg, #09101f 0%, #070d19 100%);
  border-top: 1px solid rgba(201,168,76,0.08);
}

.footer__top { padding: 88px 0 52px; }

.footer__grid {
  display: grid;
  grid-template-columns: 1.3fr 0.95fr 0.95fr 1.2fr;
  gap: 36px;
}

.footer__logo {
  font-family: 'Cormorant Garamond', serif;
  font-size: 20px;
  font-weight: 600;
  color: var(--gold);
  display: inline-flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 12px;
}

.footer__logo::before {
  width: 32px;
  height: 32px;
}

.footer__tagline {
  font-size: 15px;
  font-weight: 300;
  color: var(--white-50);
  line-height: 1.75;
  max-width: 34ch;
}

.footer__col--brand {
  padding-right: 12px;
}

.footer__brand-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 24px;
}

.footer__badge {
  display: inline-flex;
  align-items: center;
  min-height: 34px;
  padding: 8px 14px;
  border-radius: 999px;
  border: 1px solid rgba(201,168,76,0.16);
  background: rgba(255, 255, 255, 0.03);
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--white-65);
}

.footer__heading {
  font-size: 10px;
  font-weight: 600;
  color: var(--white);
  letter-spacing: 0.18em;
  text-transform: uppercase;
  margin-bottom: 24px;
}

.footer__links {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer__links li,
.footer__links a {
  font-size: 14px;
  font-weight: 300;
  color: var(--white-50);
  transition: color 0.25s;
  line-height: 1.55;
}

.footer__links a:hover { color: var(--gold); }

.footer__links--compliance li {
  color: var(--white-60);
}

.footer__social {
  display: flex;
  gap: 12px;
  margin-top: 22px;
}

.footer__social a {
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--white-10);
  transition: border-color 0.3s, background 0.3s;
}

.footer__social a:hover {
  border-color: var(--gold);
  background: rgba(201,168,76,0.08);
}

.footer__social svg {
  width: 15px;
  height: 15px;
  stroke: var(--white-40);
  fill: none;
  stroke-width: 1.5;
  stroke-linecap: round;
  stroke-linejoin: round;
  transition: stroke 0.25s;
}

.footer__social a:hover svg { stroke: var(--gold); }

.footer__compliance-links {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 24px;
}

.footer__compliance-links a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 40px;
  padding: 10px 16px;
  border: 1px solid rgba(201,168,76,0.18);
  background: rgba(201,168,76,0.04);
  font-size: 11px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  transition: border-color 0.25s, background 0.25s, color 0.25s;
}

.footer__compliance-links a:hover {
  border-color: var(--gold);
  background: rgba(201,168,76,0.1);
}

.footer__bottom {
  border-top: 1px solid rgba(201,168,76,0.06);
  padding: 28px 0 34px;
}

.footer__bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  gap: 28px;
}

.footer__disclosures {
  max-width: 760px;
}

.footer__disclosure {
  font-size: 11px;
  font-weight: 300;
  color: var(--white-45);
  line-height: 1.75;
  letter-spacing: 0.03em;
}

.footer__disclosure + .footer__disclosure {
  margin-top: 10px;
}

.footer__copyright {
  font-size: 11px;
  font-weight: 300;
  color: var(--white-35);
  letter-spacing: 0.05em;
  white-space: nowrap;
}

/* ═══════════════════════════════════════════════════
   PAGE HERO — Shared inner-page banner
   ═══════════════════════════════════════════════════ */
.page-hero {
  position: relative;
  height: 56vh;
  min-height: 380px;
  display: flex;
  align-items: flex-end;
  overflow: hidden;
}

.page-hero__bg {
  position: absolute;
  inset: 0;
}

.page-hero__bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 15%;
  filter: brightness(0.35) saturate(0.7);
}

.page-hero__bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to bottom, rgba(10,15,30,0.2) 0%, rgba(10,15,30,0.85) 100%);
}

.page-hero__content {
  position: relative;
  z-index: 1;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 64px 72px;
  width: 100%;
}

.page-hero__label {
  font-size: 10px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.3em;
  text-transform: uppercase;
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 16px;
}

.page-hero__label::before {
  content: '';
  width: 32px;
  height: 1px;
  background: var(--gold);
}

.page-hero__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(36px, 5vw, 64px);
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -0.02em;
}

.page-hero__heading em {
  font-style: italic;
  color: var(--gold);
}

.page-hero__intro {
  font-size: 15px;
  line-height: 1.75;
  color: var(--white-65);
  max-width: 560px;
  margin-bottom: 20px;
}

.page-hero__stats {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 16px;
}

.page-hero__stat {
  display: inline-block;
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.04em;
  color: var(--white-65);
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid var(--white-10);
  border-radius: 100px;
  padding: 8px 18px;
  white-space: nowrap;
}

/* ═══════════════════════════════════════════════════
   BIO — About page editorial layout
   ═══════════════════════════════════════════════════ */
.bio {
  padding: 120px 0;
}

.bio__grid {
  display: grid;
  grid-template-columns: 420px 1fr;
  gap: 80px;
  align-items: start;
}

.bio__portrait {
  margin-bottom: 40px;
  overflow: hidden;
}

.bio__portrait img {
  width: 100%;
  aspect-ratio: 3 / 4;
  object-fit: cover;
  object-position: center 15%;
}

.bio__credentials {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  padding-top: 8px;
}

.bio__cred-item {
  text-align: center;
  padding: 24px 16px;
  border: 1px solid var(--white-10);
}

.bio__cred-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 40px;
  font-weight: 700;
  display: block;
  line-height: 1;
  margin-bottom: 8px;
}

.bio__cred-label {
  font-size: 11px;
  font-weight: 400;
  color: var(--white-40);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  line-height: 1.5;
}

.bio__eyebrow {
  font-size: 10px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.3em;
  text-transform: uppercase;
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 20px;
}

.bio__eyebrow::before {
  content: '';
  width: 32px;
  height: 1px;
  background: var(--gold);
}

.bio__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(32px, 3vw, 48px);
  font-weight: 700;
  line-height: 1.15;
  margin-bottom: 36px;
  letter-spacing: -0.02em;
}

.bio__heading em {
  font-style: italic;
  color: var(--gold);
}

.bio__body p {
  font-size: 15px;
  font-weight: 300;
  color: var(--white-65);
  line-height: 1.9;
  margin-bottom: 20px;
}

.bio__body p:first-child::first-letter {
  font-family: 'Cormorant Garamond', serif;
  font-size: 56px;
  font-weight: 700;
  float: left;
  line-height: 0.8;
  margin-right: 8px;
  margin-top: 4px;
  color: var(--gold);
}

.bio__sig {
  margin-top: 40px;
  padding-top: 32px;
  border-top: 1px solid var(--white-10);
}

.bio__sig-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 24px;
  font-weight: 700;
  display: block;
  margin-bottom: 4px;
}

.bio__sig-title {
  font-size: 12px;
  font-weight: 400;
  color: var(--white-40);
  letter-spacing: 0.08em;
}

/* ═══════════════════════════════════════════════════
   PHOTO GALLERY — Full-width mosaic strip
   ═══════════════════════════════════════════════════ */
.gallery {
  padding: 0;
}

.gallery__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  grid-template-rows: 260px;
  gap: 4px;
}

.gallery__item {
  overflow: hidden;
}

.gallery__item img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.8s var(--ease);
}

.gallery__item:hover img {
  transform: scale(1.05);
}

/* ═══════════════════════════════════════════════════
   VALUES V2 — Photo-backed cards
   ═══════════════════════════════════════════════════ */
.values-v2 {
  padding: 120px 0;
}

.values-v2__header {
  text-align: center;
  margin-bottom: 64px;
}

.values-v2__eyebrow {
  font-size: 10px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.3em;
  text-transform: uppercase;
  display: block;
  margin-bottom: 16px;
}

.values-v2__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(28px, 2.5vw, 40px);
  font-weight: 700;
}

.values-v2__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.values-v2__card {
  display: grid;
  grid-template-columns: 200px 1fr;
  border: 1px solid var(--white-10);
  overflow: hidden;
  transition: border-color 0.4s, transform 0.4s;
}

.values-v2__card:hover {
  border-color: var(--gold-border);
  transform: translateY(-3px);
}

.values-v2__card-img {
  overflow: hidden;
}

.values-v2__card-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  min-height: 200px;
  transition: transform 0.6s var(--ease);
}

.values-v2__card:hover .values-v2__card-img img {
  transform: scale(1.06);
}

.values-v2__card-body {
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.values-v2__card-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 32px;
  font-weight: 700;
  color: var(--gold);
  opacity: 0.25;
  line-height: 1;
  margin-bottom: 8px;
}

.values-v2__card-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 10px;
}

.values-v2__card-desc {
  font-size: 14px;
  font-weight: 300;
  color: var(--white-40);
  line-height: 1.7;
}

/* ═══════════════════════════════════════════════════
   SHARIA — Educational split section
   ═══════════════════════════════════════════════════ */
.sharia {
  position: relative;
  padding: 140px 0;
  overflow: hidden;
}

.sharia__bg {
  position: absolute;
  inset: 0;
}

.sharia__bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  filter: brightness(0.15) saturate(0.5);
}

.sharia__bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(10,15,30,0.85) 0%, rgba(10,15,30,0.6) 100%);
}

.sharia__content {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}

.sharia__eyebrow {
  font-size: 10px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.3em;
  text-transform: uppercase;
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 20px;
}

.sharia__eyebrow::before {
  content: '';
  width: 32px;
  height: 1px;
  background: var(--gold);
}

.sharia__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(28px, 3vw, 44px);
  font-weight: 700;
  line-height: 1.15;
  margin-bottom: 28px;
}

.sharia__heading em {
  font-style: italic;
  color: var(--gold);
}

.sharia__body {
  font-size: 15px;
  font-weight: 300;
  color: var(--white-65);
  line-height: 1.8;
  margin-bottom: 16px;
}

.sharia__features {
  display: flex;
  flex-direction: column;
  gap: 0;
}

.sharia__feature {
  display: flex;
  gap: 24px;
  padding: 28px 0;
  border-bottom: 1px solid var(--white-10);
  align-items: flex-start;
}

.sharia__feature:first-child {
  border-top: 1px solid var(--white-10);
}

.sharia__feature-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 28px;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  flex-shrink: 0;
  width: 36px;
}

.sharia__feature-title {
  font-size: 15px;
  font-weight: 500;
  margin-bottom: 6px;
}

.sharia__feature-desc {
  font-size: 13px;
  font-weight: 300;
  color: var(--white-40);
  line-height: 1.6;
}

/* ═══════════════════════════════════════════════════
   LICENSES — Credentials strip
   ═══════════════════════════════════════════════════ */
.licenses {
  padding: 80px 0;
  border-top: 1px solid rgba(201,168,76,0.08);
}

.licenses__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: 24px;
  font-weight: 700;
  text-align: center;
  margin-bottom: 40px;
}

.licenses__grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 0;
}

.licenses__item {
  text-align: center;
  padding: 24px 16px;
  border-right: 1px solid var(--white-10);
}

.licenses__item:last-child {
  border-right: none;
}

.licenses__label {
  font-size: 10px;
  font-weight: 500;
  color: var(--white-40);
  letter-spacing: 0.15em;
  text-transform: uppercase;
  display: block;
  margin-bottom: 8px;
}

.licenses__value {
  font-family: 'Cormorant Garamond', serif;
  font-size: 16px;
  font-weight: 600;
  color: var(--gold);
}

/* ═══════════════════════════════════════════════════
   ABOUT PAGE RESPONSIVE — TABLET
   ═══════════════════════════════════════════════════ */
@media (max-width: 1024px) {
  .page-hero { height: 44vh; min-height: 300px; }
  .page-hero__content { padding: 0 32px 48px; }

  .bio { padding: 80px 0; }
  .bio__grid { grid-template-columns: 1fr; gap: 48px; }
  .bio__image-col { max-width: 420px; }
  .bio__body p:first-child::first-letter { font-size: 44px; }

  .gallery__grid { grid-template-columns: 1fr 1fr; grid-template-rows: 180px 180px; }

  .values-v2 { padding: 80px 0; }
  .values-v2__grid { grid-template-columns: 1fr; }
  .values-v2__card { grid-template-columns: 160px 1fr; }

  .sharia { padding: 100px 0; }
  .sharia__content { grid-template-columns: 1fr; gap: 48px; }

  .licenses__grid { grid-template-columns: repeat(3, 1fr); }
  .licenses__item:nth-child(3) { border-right: none; }
}

/* ═══════════════════════════════════════════════════
   ABOUT PAGE RESPONSIVE — MOBILE
   ═══════════════════════════════════════════════════ */
@media (max-width: 540px) {
  .page-hero { height: 38vh; min-height: 260px; }
  .page-hero__content { padding: 0 20px 36px; }

  .bio { padding: 60px 0; }
  .bio__credentials { gap: 16px; }
  .bio__cred-num { font-size: 32px; }

  .gallery__grid { grid-template-columns: 1fr 1fr; grid-template-rows: 140px 140px; }

  .values-v2 { padding: 60px 0; }
  .values-v2__card { grid-template-columns: 1fr; }
  .values-v2__card-img img { min-height: 160px; }

  .sharia { padding: 80px 0; }
  .sharia__feature { gap: 16px; padding: 20px 0; }

  .licenses__grid { grid-template-columns: 1fr 1fr; }
  .licenses__item:nth-child(2n) { border-right: none; }
  .licenses__item:nth-child(3) { border-right: 1px solid var(--white-10); }
}

/* ═══════════════════════════════════════════════════
   SERVICE DETAIL — Alternating image/text blocks
   ═══════════════════════════════════════════════════ */
.svc-detail {
  padding: 120px 0;
}

.svc-detail__block {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
  margin-bottom: 120px;
}

.svc-detail__block:last-child {
  margin-bottom: 0;
}

.svc-detail__block--reverse {
  direction: rtl;
}

.svc-detail__block--reverse > * {
  direction: ltr;
}

.svc-detail__image {
  overflow: hidden;
}

.svc-detail__image img {
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
  transition: transform 0.6s var(--ease);
}

.svc-detail__block:hover .svc-detail__image img {
  transform: scale(1.03);
}

.svc-detail__num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 56px;
  font-weight: 700;
  color: var(--gold);
  opacity: 0.2;
  line-height: 1;
  display: block;
  margin-bottom: 8px;
}

.svc-detail__title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(28px, 2.5vw, 40px);
  font-weight: 700;
  margin-bottom: 20px;
}

.svc-detail__desc {
  font-size: 15px;
  font-weight: 300;
  color: var(--white-65);
  line-height: 1.8;
  margin-bottom: 24px;
}

.svc-detail__list {
  margin-bottom: 32px;
  padding-left: 0;
}

.svc-detail__list li {
  font-size: 14px;
  font-weight: 300;
  color: var(--white-65);
  line-height: 1.6;
  padding: 8px 0;
  padding-left: 20px;
  position: relative;
  border-bottom: 1px solid var(--white-05);
}

.svc-detail__list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 15px;
  width: 6px;
  height: 6px;
  border: 1px solid var(--gold);
  transform: rotate(45deg);
}

/* ═══════════════════════════════════════════════════
   CALCULATOR — Loan estimation tool
   ═══════════════════════════════════════════════════ */
.calc {
  padding: 120px 0;
  background: var(--navy-light);
}

.calc__header {
  text-align: center;
  margin-bottom: 56px;
}

.calc__eyebrow {
  font-size: 10px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.3em;
  text-transform: uppercase;
  display: block;
  margin-bottom: 16px;
}

.calc__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(28px, 2.5vw, 40px);
  font-weight: 700;
  margin-bottom: 12px;
}

.calc__sub {
  font-size: 15px;
  font-weight: 300;
  color: var(--white-40);
  max-width: 520px;
  margin: 0 auto;
}

.calc__body {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 48px;
  max-width: 960px;
  margin: 0 auto;
  align-items: start;
}

.calc__inputs {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.calc__field {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.calc__label {
  font-size: 10px;
  font-weight: 600;
  color: var(--white-40);
  letter-spacing: 0.15em;
  text-transform: uppercase;
}

.calc__input-wrap {
  display: flex;
  align-items: center;
  border: 1px solid var(--white-10);
  background: rgba(255,255,255,0.03);
  transition: border-color 0.3s;
}

.calc__input-wrap:focus-within {
  border-color: var(--gold-border);
}

.calc__prefix,
.calc__suffix {
  font-size: 14px;
  font-weight: 400;
  color: var(--white-40);
  padding: 0 12px;
  flex-shrink: 0;
}

.calc__input {
  width: 100%;
  background: transparent;
  border: none;
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  font-weight: 400;
  padding: 14px 16px;
  outline: none;
  -moz-appearance: textfield;
}

.calc__input::-webkit-outer-spin-button,
.calc__input::-webkit-inner-spin-button {
  -webkit-appearance: none;
  margin: 0;
}

.calc__select-wrap {
  border: 1px solid var(--white-10);
  background: rgba(255,255,255,0.03);
  transition: border-color 0.3s;
}

.calc__select-wrap:focus-within {
  border-color: var(--gold-border);
}

.calc__select {
  width: 100%;
  background: transparent;
  border: none;
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  font-weight: 400;
  padding: 14px 16px;
  outline: none;
  cursor: pointer;
  -webkit-appearance: none;
  appearance: none;
}

.calc__select option {
  background: var(--navy);
  color: var(--white);
}

.calc__result {
  background: var(--navy-card);
  border: 1px solid var(--gold-border);
  padding: 48px 36px;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}

.calc__result-label {
  font-size: 10px;
  font-weight: 600;
  color: var(--white-40);
  letter-spacing: 0.18em;
  text-transform: uppercase;
}

.calc__result-amount {
  font-family: 'Cormorant Garamond', serif;
  font-size: 56px;
  font-weight: 700;
  line-height: 1.1;
}

.calc__result-note {
  font-size: 12px;
  font-weight: 300;
  color: var(--white-40);
  margin-bottom: 16px;
}

.calc__result-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  font-family: var(--body);
  font-size: 15px;
  color: var(--muted);
}
.calc__result-row:last-child { border-bottom: none; }
.calc__result-row span { flex: 1; }
.calc__result-row strong {
  color: var(--gold);
  font-size: 18px;
  text-align: right;
}

.calc__result-btn {
  margin-top: 8px;
  width: 100%;
}

.calc__disclaimer {
  font-size: 12px;
  font-weight: 300;
  color: var(--white-40);
  text-align: center;
  max-width: 700px;
  margin: 40px auto 0;
  line-height: 1.6;
}

/* ═══════════════════════════════════════════════════
   SERVICES PAGE RESPONSIVE — TABLET
   ═══════════════════════════════════════════════════ */
@media (max-width: 1024px) {
  .svc-detail { padding: 80px 0; }
  .svc-detail__block {
    grid-template-columns: 1fr;
    gap: 32px;
    margin-bottom: 80px;
  }
  .svc-detail__block--reverse { direction: ltr; }

  .calc { padding: 80px 0; }
  .calc__body {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .calc__result { padding: 36px 28px; }
}

/* ═══════════════════════════════════════════════════
   SERVICES PAGE RESPONSIVE — MOBILE
   ═══════════════════════════════════════════════════ */
@media (max-width: 540px) {
  .svc-detail { padding: 60px 0; }
  .svc-detail__block { margin-bottom: 60px; gap: 24px; }
  .svc-detail__num { font-size: 40px; }

  .calc { padding: 60px 0; }
  .calc__inputs { grid-template-columns: 1fr; }
  .calc__result-amount { font-size: 44px; }
}

/* ═══════════════════════════════════════════════════
   PAGE HERO — Short variant
   ═══════════════════════════════════════════════════ */
.page-hero--short {
  height: 44vh;
  min-height: 320px;
}

/* ═══════════════════════════════════════════════════
   APPLY / CONTACT — Shared form styles
   ═══════════════════════════════════════════════════ */
.apply-section,
.contact-section {
  padding: 100px 0;
}

.apply-section__grid,
.contact-section__grid {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 64px;
  align-items: start;
}

.apply-form__heading,
.contact-form__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(28px, 2.5vw, 38px);
  font-weight: 700;
  margin-bottom: 12px;
}

.apply-form__sub,
.contact-form__sub {
  font-size: 15px;
  font-weight: 300;
  color: var(--white-40);
  margin-bottom: 40px;
  line-height: 1.6;
}

.apply-form__row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 20px;
}

.apply-form__field {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-bottom: 20px;
}

.apply-form__row .apply-form__field {
  margin-bottom: 0;
}

.apply-form__label {
  font-size: 10px;
  font-weight: 600;
  color: var(--white-40);
  letter-spacing: 0.15em;
  text-transform: uppercase;
}

.apply-form__input,
.apply-form__select,
.apply-form__textarea {
  width: 100%;
  background: rgba(255,255,255,0.03);
  border: 1px solid var(--white-10);
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  font-weight: 300;
  padding: 14px 16px;
  outline: none;
  transition: border-color 0.3s;
  -webkit-appearance: none;
  appearance: none;
}

.apply-form__input:focus,
.apply-form__select:focus,
.apply-form__textarea:focus {
  border-color: var(--gold-border);
}

.apply-form__input::placeholder,
.apply-form__textarea::placeholder {
  color: var(--white-40);
  font-weight: 300;
}

.apply-form__select {
  cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg width='10' height='6' viewBox='0 0 10 6' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1l4 4 4-4' stroke='%23666' fill='none' stroke-width='1.2'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 16px center;
  padding-right: 40px;
}

.apply-form__select option {
  background: var(--navy);
  color: var(--white);
}

.apply-form__textarea {
  resize: vertical;
  min-height: 100px;
}

.apply-form__submit {
  margin-top: 12px;
  width: 100%;
  padding: 16px 32px;
}

.apply-form__disclaimer {
  font-size: 12px;
  font-weight: 300;
  color: var(--white-40);
  line-height: 1.6;
  margin-top: 20px;
}

/* ═══════════════════════════════════════════════════
   APPLY SIDEBAR
   ═══════════════════════════════════════════════════ */
.apply-sidebar__photo {
  position: relative;
  overflow: hidden;
  margin-bottom: 20px;
}

.apply-sidebar__photo img {
  width: 100%;
  height: 320px;
  object-fit: cover;
  object-position: center 15%;
}

.apply-sidebar__photo-overlay {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  padding: 24px 20px 16px;
  background: linear-gradient(to top, rgba(10,15,30,0.9) 0%, transparent 100%);
}

.apply-sidebar__photo-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  font-weight: 700;
  display: block;
  margin-bottom: 2px;
}

.apply-sidebar__photo-role {
  font-size: 11px;
  font-weight: 400;
  color: var(--gold);
  letter-spacing: 0.1em;
}

.apply-sidebar__card {
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  padding: 36px 28px;
  margin-bottom: 20px;
}

.apply-sidebar__title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 28px;
}

.apply-sidebar__steps {
  display: flex;
  flex-direction: column;
  gap: 0;
}

.apply-sidebar__step {
  display: flex;
  gap: 16px;
  padding: 16px 0;
  border-bottom: 1px solid var(--white-05);
  align-items: flex-start;
}

.apply-sidebar__step:last-child {
  border-bottom: none;
}

.apply-sidebar__step-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 24px;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  flex-shrink: 0;
  width: 24px;
}

.apply-sidebar__step-title {
  font-size: 14px;
  font-weight: 500;
  margin-bottom: 4px;
}

.apply-sidebar__step-desc {
  font-size: 13px;
  font-weight: 300;
  color: var(--white-40);
  line-height: 1.5;
}

.apply-sidebar__checklist {
  display: flex;
  flex-direction: column;
  gap: 0;
}

.apply-sidebar__checklist li {
  font-size: 14px;
  font-weight: 300;
  color: var(--white-65);
  padding: 10px 0 10px 24px;
  position: relative;
  border-bottom: 1px solid var(--white-05);
}

.apply-sidebar__checklist li:last-child { border-bottom: none; }

.apply-sidebar__checklist li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 16px;
  width: 8px;
  height: 4px;
  border-left: 1.5px solid var(--gold);
  border-bottom: 1.5px solid var(--gold);
  transform: rotate(-45deg);
}

.apply-sidebar__contact {
  text-align: center;
  padding: 32px 0 0;
}

.apply-sidebar__prefer {
  font-size: 14px;
  font-weight: 300;
  color: var(--white-40);
  margin-bottom: 8px;
}

.apply-sidebar__phone {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  font-weight: 700;
  color: var(--gold);
}

/* ═══════════════════════════════════════════════════
   CONTACT DETAILS — Sidebar
   ═══════════════════════════════════════════════════ */
.contact-details__card {
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  padding: 36px 28px;
  margin-bottom: 24px;
}

.contact-details__item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 20px 0;
  border-bottom: 1px solid var(--white-05);
}

.contact-details__item:first-child { padding-top: 0; }
.contact-details__item:last-child { border-bottom: none; padding-bottom: 0; }

.contact-details__icon {
  width: 20px;
  height: 20px;
  color: var(--gold);
  flex-shrink: 0;
  margin-top: 2px;
}

.contact-details__icon svg {
  width: 100%;
  height: 100%;
}

.contact-details__label {
  font-size: 10px;
  font-weight: 600;
  color: var(--white-40);
  letter-spacing: 0.15em;
  text-transform: uppercase;
  margin-bottom: 4px;
}

.contact-details__value {
  font-size: 15px;
  font-weight: 400;
  color: var(--white-85);
  line-height: 1.5;
  display: block;
}

a.contact-details__value:hover { color: var(--gold); }

.contact-details__social-block {
  text-align: center;
  padding: 8px 0;
}

.contact-details__social-title {
  font-size: 10px;
  font-weight: 600;
  color: var(--white-40);
  letter-spacing: 0.18em;
  text-transform: uppercase;
  margin-bottom: 16px;
}

.contact-details__social-block .footer__social {
  justify-content: center;
}

/* ═══════════════════════════════════════════════════
   MAP SECTION
   ═══════════════════════════════════════════════════ */
.map-section {
  line-height: 0;
  border-top: 1px solid rgba(201,168,76,0.08);
}

.map-section iframe {
  filter: grayscale(0.6) brightness(0.8) contrast(1.1);
}

/* ═══════════════════════════════════════════════════
   APPLY / CONTACT RESPONSIVE — TABLET
   ═══════════════════════════════════════════════════ */
@media (max-width: 1024px) {
  .page-hero--short { height: 36vh; min-height: 260px; }

  .apply-section, .contact-section { padding: 72px 0; }
  .apply-section__grid, .contact-section__grid {
    grid-template-columns: 1fr;
    gap: 48px;
  }
}

/* ═══════════════════════════════════════════════════
   APPLY / CONTACT RESPONSIVE — MOBILE
   ═══════════════════════════════════════════════════ */
@media (max-width: 540px) {
  .apply-section, .contact-section { padding: 48px 0; }
  .apply-form__row { grid-template-columns: 1fr; gap: 0; }

  .map-section iframe { height: 280px; }
}

/* ═══════════════════════════════════════════════════
   SCROLL REVEAL & KEYFRAMES
   ═══════════════════════════════════════════════════ */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.9s ease, transform 0.9s ease;
}

.reveal.in-view {
  opacity: 1;
  transform: translateY(0);
}

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(28px); }
  to   { opacity: 1; transform: translateY(0); }
}

@keyframes kenBurns {
  from { transform: scale(1); }
  to   { transform: scale(1.05); }
}

@keyframes floatSlow {
  0%, 100% { transform: translateY(0); }
  50%      { transform: translateY(-10px); }
}

@media (max-width: 768px) {
  html { scroll-behavior: auto; }

  body::after {
    display: none;
  }

  .reveal {
    opacity: 1;
    transform: none;
    transition: none;
  }

  .hero__meta,
  .hero__title,
  .hero__sub,
  .hero__ctas,
  .hero__credential,
  .hero__stat {
    opacity: 1;
    transform: none;
    animation: none;
  }

  .hero__photo {
    animation: none;
  }

  .mobile-menu,
  .nav--scrolled,
  .nav__hamburger,
  .hero__credential,
  .hero__stats-bar,
  .nav__dropdown {
    backdrop-filter: none;
    -webkit-backdrop-filter: none;
  }

  .mobile-menu {
    transition: opacity 0.18s ease;
  }

  .mobile-menu__section-panel {
    transition: max-height 0.18s ease, opacity 0.14s ease, margin-top 0.18s ease;
  }
}

/* ═══════════════════════════════════════════════════
   NAV DROPDOWN (Resources menu)
   ═══════════════════════════════════════════════════ */
.nav__item {
  position: relative;
}

.nav__dropdown-trigger {
  font-size: 12px;
  font-weight: 400;
  color: var(--white-65);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  transition: color 0.25s;
  cursor: pointer;
  background: none;
  border: none;
  font-family: inherit;
  display: flex;
  align-items: center;
  gap: 6px;
}

.nav__dropdown-trigger:hover,
.nav__dropdown-trigger--active,
.nav__item:hover .nav__dropdown-trigger { color: var(--white); }

.nav__dropdown-trigger svg {
  width: 10px;
  height: 10px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  transition: transform 0.3s var(--ease);
}

.nav__item:hover .nav__dropdown-trigger svg { transform: rotate(180deg); }

.nav__dropdown {
  position: absolute;
  top: calc(100% + 12px);
  left: 50%;
  transform: translateX(-50%);
  min-width: 260px;
  background: rgba(10, 15, 30, 0.96);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  border: 1px solid var(--gold-border);
  padding: 16px 0;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s var(--ease), transform 0.3s var(--ease);
  transform: translateX(-50%) translateY(8px);
}

.nav__dropdown::before {
  content: '';
  position: absolute;
  top: -16px;
  left: 0;
  right: 0;
  height: 16px;
}

.nav__item:hover .nav__dropdown {
  opacity: 1;
  pointer-events: all;
  transform: translateX(-50%) translateY(0);
}

.nav__dropdown-link {
  display: block;
  padding: 12px 28px;
  transition: background 0.25s;
}

.nav__dropdown-link:hover {
  background: rgba(201,168,76,0.06);
}

.nav__dropdown-link span {
  display: block;
  font-size: 13px;
  font-weight: 500;
  color: var(--white-85);
  letter-spacing: 0.02em;
  margin-bottom: 2px;
  transition: color 0.25s;
}

.nav__dropdown-link:hover span { color: var(--gold); }

.nav__dropdown-desc {
  font-size: 11px;
  color: var(--white-40);
  font-weight: 300;
}

.mobile-menu__divider {
  font-size: 10px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.3em;
  text-transform: uppercase;
  padding-top: 12px;
  border-top: 1px solid var(--white-10);
}

/* ═══════════════════════════════════════════════════
   GLOSSARY (FAQ page)
   ═══════════════════════════════════════════════════ */
.glossary {
  padding: 120px 0;
}

.glossary__header {
  text-align: center;
  margin-bottom: 64px;
}

.glossary__eyebrow {
  display: block;
  font-size: 10px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.3em;
  text-transform: uppercase;
  margin-bottom: 16px;
}

.glossary__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(32px, 3vw, 44px);
  font-weight: 700;
  line-height: 1.15;
}

.glossary__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  max-width: 960px;
  margin: 0 auto;
}

.glossary__card {
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  padding: 36px 32px;
  transition: border-color 0.4s var(--ease);
}

.glossary__card:hover {
  border-color: var(--gold-border);
}

.glossary__term {
  font-family: 'Cormorant Garamond', serif;
  font-size: 24px;
  font-weight: 700;
  margin-bottom: 4px;
  background: linear-gradient(135deg, #b8860b 0%, #daa520 30%, #ffd700 55%, #c9a84c 80%, #b8860b 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.glossary__arabic {
  font-size: 13px;
  font-style: italic;
  color: var(--white-40);
  margin-bottom: 12px;
}

.glossary__def {
  font-size: 14px;
  font-weight: 300;
  color: var(--white-65);
  line-height: 1.7;
}

/* ═══════════════════════════════════════════════════
   FAQ ACCORDION (FAQ page)
   ═══════════════════════════════════════════════════ */
.faq-section {
  padding: 120px 0;
  background: var(--navy-light);
}

.faq-section__header {
  text-align: center;
  margin-bottom: 64px;
}

.faq-section__eyebrow {
  display: block;
  font-size: 10px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.3em;
  text-transform: uppercase;
  margin-bottom: 16px;
}

.faq-section__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(32px, 3vw, 44px);
  font-weight: 700;
  line-height: 1.15;
}

.faq__group {
  max-width: 840px;
  margin: 0 auto 48px;
}

.faq__group:last-child { margin-bottom: 0; }

.faq__group-title {
  font-size: 10px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.3em;
  text-transform: uppercase;
  margin-bottom: 20px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--gold-border);
}

.faq__item {
  border-bottom: 1px solid var(--white-10);
}

.faq__question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 24px 0;
  cursor: pointer;
  font-size: 16px;
  font-weight: 500;
  color: var(--white-85);
  transition: color 0.3s;
  background: none;
  border: none;
  width: 100%;
  text-align: left;
  font-family: inherit;
}

.faq__question:hover { color: var(--gold); }

.faq__icon {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  color: var(--gold);
  transition: transform 0.3s var(--ease);
}

.faq__item.active .faq__icon { transform: rotate(45deg); }

.faq__answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s var(--ease), padding 0.4s var(--ease);
}

.faq__item.active .faq__answer {
  max-height: 400px;
  padding-bottom: 24px;
}

.faq__answer p {
  font-size: 14px;
  font-weight: 300;
  color: var(--white-65);
  line-height: 1.8;
}

/* ═══════════════════════════════════════════════════
   STORY FEATURE (Testimonials page)
   ═══════════════════════════════════════════════════ */
.story-feature {
  position: relative;
  overflow: hidden;
  padding: 120px 0;
}

.story-feature__bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.story-feature__bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  filter: brightness(0.2) saturate(0.4);
}

.story-feature__bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to right, var(--navy) 0%, transparent 50%, var(--navy) 100%);
  z-index: 1;
}

.story-feature__content {
  position: relative;
  z-index: 2;
}

.story-feature__inner {
  display: grid;
  grid-template-columns: 340px 1fr;
  gap: 64px;
  align-items: center;
  max-width: 1000px;
  margin: 0 auto;
}

.story-feature__photo {
  overflow: hidden;
  border: 1px solid var(--gold-border);
}

.story-feature__photo img {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
}

.story-feature__eyebrow {
  font-size: 10px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.3em;
  text-transform: uppercase;
  margin-bottom: 20px;
  display: block;
}

.story-feature__quote {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(22px, 2.2vw, 30px);
  font-weight: 400;
  font-style: italic;
  line-height: 1.5;
  color: var(--white-85);
  border-left: 2px solid var(--gold);
  padding-left: 28px;
  margin-bottom: 28px;
}

.story-feature__name {
  font-size: 18px;
  font-weight: 500;
  color: var(--white);
  display: block;
  margin-bottom: 4px;
}

.story-feature__detail {
  font-size: 13px;
  color: var(--white-40);
  display: block;
  margin-bottom: 32px;
}

.story-feature__stats {
  display: flex;
  gap: 40px;
}

.story-feature__stat-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 36px;
  font-weight: 700;
  display: block;
}

.story-feature__stat-label {
  font-size: 11px;
  color: var(--white-40);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

/* ═══════════════════════════════════════════════════
   STORIES GRID (Testimonials page)
   ═══════════════════════════════════════════════════ */
.stories-grid {
  padding: 120px 0;
}

.stories-grid__header {
  text-align: center;
  margin-bottom: 64px;
}

.stories-grid__eyebrow {
  display: block;
  font-size: 10px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.3em;
  text-transform: uppercase;
  margin-bottom: 16px;
}

.stories-grid__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(32px, 3vw, 44px);
  font-weight: 700;
  line-height: 1.15;
}

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

.stories-grid__card {
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  padding: 40px 32px;
  transition: border-color 0.4s var(--ease), transform 0.4s var(--ease);
}

.stories-grid__card:hover {
  border-color: var(--gold-border);
  transform: translateY(-4px);
}

.stories-grid__stars {
  color: var(--gold);
  font-size: 14px;
  letter-spacing: 2px;
  margin-bottom: 20px;
  display: block;
}

.stories-grid__quote {
  font-family: 'Cormorant Garamond', serif;
  font-size: 18px;
  font-style: italic;
  line-height: 1.6;
  color: var(--white-85);
  margin-bottom: 24px;
}

.stories-grid__name {
  font-size: 14px;
  font-weight: 500;
  color: var(--white);
  display: block;
  margin-bottom: 2px;
}

.stories-grid__loc {
  font-size: 12px;
  color: var(--white-40);
}

/* ═══════════════════════════════════════════════════
   VIDEO TESTIMONIAL (Testimonials page)
   ═══════════════════════════════════════════════════ */
.video-testimonial {
  padding: 100px 0;
  background: var(--navy-light);
}

.video-testimonial__inner {
  max-width: 840px;
  margin: 0 auto;
  text-align: center;
}

.video-testimonial__eyebrow {
  display: block;
  font-size: 10px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.3em;
  text-transform: uppercase;
  margin-bottom: 16px;
}

.video-testimonial__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(28px, 2.5vw, 38px);
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 48px;
}

.video-testimonial__frame {
  aspect-ratio: 16 / 9;
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
  cursor: pointer;
}

.video-testimonial__frame img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  filter: brightness(0.4) saturate(0.5);
  transition: filter 0.4s var(--ease);
}

.video-testimonial__frame:hover img {
  filter: brightness(0.5) saturate(0.7);
}

.video-testimonial__play {
  position: relative;
  z-index: 1;
  width: 72px;
  height: 72px;
  border: 2px solid var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.3s, transform 0.3s;
}

.video-testimonial__frame:hover .video-testimonial__play {
  background: rgba(201,168,76,0.15);
  transform: scale(1.1);
}

.video-testimonial__play svg {
  width: 24px;
  height: 24px;
  fill: var(--gold);
  margin-left: 3px;
}

/* ═══════════════════════════════════════════════════
   BLOG FEATURE (Blog page)
   ═══════════════════════════════════════════════════ */
.blog-feature {
  padding: 100px 0 0;
}

.blog-feature__card {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 0;
  overflow: hidden;
  border: 1px solid var(--white-10);
  transition: border-color 0.4s var(--ease);
}

.blog-feature__card:hover {
  border-color: var(--gold-border);
}

.blog-feature__image {
  overflow: hidden;
}

.blog-feature__image img {
  width: 100%;
  height: 100%;
  min-height: 400px;
  object-fit: cover;
  transition: transform 0.8s var(--ease);
}

.blog-feature__card:hover .blog-feature__image img {
  transform: scale(1.04);
}

.blog-feature__body {
  padding: 56px 48px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.blog-feature__tag {
  font-size: 9px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
  display: block;
}

.blog-feature__title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(24px, 2.5vw, 32px);
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 16px;
}

.blog-feature__excerpt {
  font-size: 15px;
  font-weight: 300;
  color: var(--white-65);
  line-height: 1.8;
  margin-bottom: 24px;
}

.blog-feature__meta {
  font-size: 12px;
  color: var(--white-40);
  letter-spacing: 0.08em;
}

/* ═══════════════════════════════════════════════════
   BLOG GRID (Blog page)
   ═══════════════════════════════════════════════════ */
.blog-grid {
  padding: 80px 0 120px;
}

.blog-grid__header {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 48px;
  flex-wrap: wrap;
  gap: 20px;
}

.blog-grid__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(28px, 2.5vw, 38px);
  font-weight: 700;
}

.blog-grid__filters {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-bottom: 40px;
}

.blog-grid__filter {
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 8px 20px;
  border: 1px solid var(--white-10);
  color: var(--white-40);
  cursor: pointer;
  transition: all 0.3s var(--ease);
  background: none;
  font-family: inherit;
}

.blog-grid__filter:hover,
.blog-grid__filter--active {
  border-color: var(--gold);
  color: var(--gold);
}

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

.blog-grid__card {
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  overflow: hidden;
  transition: border-color 0.4s var(--ease), transform 0.4s var(--ease);
}

.blog-grid__card:hover {
  border-color: var(--gold-border);
  transform: translateY(-4px);
}

.blog-grid__card.hidden { display: none; }

.blog-grid__card-img {
  overflow: hidden;
  aspect-ratio: 16 / 10;
}

.blog-grid__card-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s var(--ease);
}

.blog-grid__card:hover .blog-grid__card-img img {
  transform: scale(1.05);
}

.blog-grid__card-body {
  padding: 28px 24px;
}

.blog-grid__card-tag {
  font-size: 9px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
  display: block;
}

.blog-grid__card-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  font-weight: 700;
  line-height: 1.25;
  margin-bottom: 10px;
}

.blog-grid__card-excerpt {
  font-size: 14px;
  font-weight: 300;
  color: var(--white-65);
  line-height: 1.6;
  margin-bottom: 16px;
}

.blog-grid__card-meta {
  font-size: 11px;
  color: var(--white-40);
  letter-spacing: 0.08em;
}

/* ═══════════════════════════════════════════════════
   NEWSLETTER (Blog page)
   ═══════════════════════════════════════════════════ */
.newsletter {
  padding: 80px 0;
  background: var(--navy-light);
  border-top: 1px solid rgba(201,168,76,0.08);
  border-bottom: 1px solid rgba(201,168,76,0.08);
}

.newsletter__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 48px;
  max-width: 960px;
  margin: 0 auto;
}

.newsletter__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: 28px;
  font-weight: 700;
  margin-bottom: 8px;
}

.newsletter__sub {
  font-size: 14px;
  font-weight: 300;
  color: var(--white-40);
}

.newsletter__form {
  display: flex;
  gap: 0;
  flex-shrink: 0;
}

.newsletter__input {
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  color: var(--white);
  font-family: inherit;
  font-size: 14px;
  padding: 14px 20px;
  min-width: 260px;
  outline: none;
  transition: border-color 0.3s;
}

.newsletter__input::placeholder { color: var(--white-40); }
.newsletter__input:focus { border-color: var(--gold-border); }

.newsletter__btn {
  background: var(--gold);
  color: var(--navy);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  padding: 14px 28px;
  border: none;
  cursor: pointer;
  font-family: inherit;
  white-space: nowrap;
  transition: background 0.35s var(--ease);
}

.newsletter__btn:hover {
  background: var(--gold-light);
}

/* ═══════════════════════════════════════════════════
   TOOL TABS (Calculators page)
   ═══════════════════════════════════════════════════ */
.tool-tabs {
  background: var(--navy-light);
  border-bottom: 1px solid var(--white-10);
  position: sticky;
  top: 72px;
  z-index: 100;
}

.tool-tabs__inner {
  display: flex;
  justify-content: center;
  gap: 0;
  max-width: 800px;
  margin: 0 auto;
}

.tool-tabs__tab {
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 20px 32px;
  color: var(--white-40);
  cursor: pointer;
  border: none;
  border-bottom: 2px solid transparent;
  transition: color 0.3s, border-color 0.3s;
  background: none;
  font-family: inherit;
}

.tool-tabs__tab:hover { color: var(--white-85); }

.tool-tabs__tab--active {
  color: var(--gold);
  border-bottom-color: var(--gold);
}

.tool-panel { display: none; }
.tool-panel--active { display: block; }

/* Dual result display for refinance/downpayment calcs */
.calc__results-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.calc__result--secondary {
  text-align: center;
  padding: 32px 24px;
  background: var(--navy-card);
  border: 1px solid var(--white-10);
}

.calc__result--secondary .calc__result-amount {
  font-size: 36px;
}

/* ═══════════════════════════════════════════════════
   STRUCTURES COMPARISON (Calculators page)
   ═══════════════════════════════════════════════════ */
.structures {
  padding: 100px 0 80px;
}

.structures__header {
  text-align: center;
  margin-bottom: 56px;
}

.structures__eyebrow {
  display: block;
  font-size: 10px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.3em;
  text-transform: uppercase;
  margin-bottom: 16px;
}

.structures__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(32px, 3vw, 48px);
  font-weight: 700;
  line-height: 1.15;
  margin-bottom: 16px;
}

.structures__sub {
  max-width: 58ch;
  margin: 0 auto;
  font-size: 15px;
  font-weight: 300;
  color: var(--white-65);
  line-height: 1.7;
}

.structures__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  align-items: start;
}

.structures__card {
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  border-radius: 20px;
  overflow: hidden;
  position: relative;
  transition: border-color 0.4s var(--ease), transform 0.4s var(--ease);
}

.structures__card:hover {
  border-color: var(--gold-border);
  transform: translateY(-4px);
}

.structures__card--featured {
  border-color: var(--gold);
  box-shadow: 0 0 40px rgba(201, 168, 76, 0.12);
}

.structures__card--featured:hover {
  border-color: var(--gold);
}

.structures__card-badge {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  text-align: center;
  padding: 8px 16px;
}

.structures__card-head {
  padding: 24px 22px 20px;
  border-bottom: 1px solid var(--white-10);
}

.structures__card-num {
  display: block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.2em;
  color: var(--white-40);
  margin-bottom: 6px;
}

.structures__card-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 26px;
  font-weight: 700;
  line-height: 1.1;
  margin-bottom: 4px;
}

.structures__card--featured .structures__card-name {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.structures__card-type {
  font-size: 12px;
  font-weight: 300;
  color: var(--white-40);
  letter-spacing: 0.05em;
}

.structures__card-body {
  padding: 16px 22px 8px;
}

.structures__feat {
  padding: 12px 0;
  border-bottom: 1px solid var(--white-10);
}

.structures__feat:last-child {
  border-bottom: none;
}

.structures__feat-label {
  display: block;
  font-size: 9px;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 4px;
}

.structures__feat-value {
  display: block;
  font-size: 13px;
  font-weight: 300;
  color: var(--white-65);
  line-height: 1.55;
}

.structures__feat-value--pass {
  color: #7dd6a0;
}

.structures__feat-value--fail {
  color: #e07474;
}

.structures__feat-value--mixed {
  color: #e0c574;
}

.structures__verdict {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 14px 22px;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  border-top: 1px solid var(--white-10);
}

.structures__verdict svg {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
}

.structures__verdict--best {
  color: #7dd6a0;
  background: rgba(125, 214, 160, 0.06);
}

.structures__verdict--fail {
  color: #e07474;
  background: rgba(224, 116, 116, 0.06);
}

.structures__verdict--mixed {
  color: #e0c574;
  background: rgba(224, 197, 116, 0.06);
}

.structures__card-cta {
  display: block;
  text-align: center;
  margin: 0 22px 22px;
  padding: 14px 20px;
}

.structures__disclaimer {
  max-width: 720px;
  margin: 48px auto 0;
  text-align: center;
  font-size: 12px;
  font-weight: 300;
  color: var(--white-40);
  line-height: 1.6;
}

/* ═══════════════════════════════════════════════════
   RESPONSIVE — TABLET (≤1024px)
   ═══════════════════════════════════════════════════ */
@media (max-width: 1024px) {
  .container { padding: 0 32px; }
  .nav { padding: 0 24px; height: 68px; }
  .nav__links, .nav__cta { display: none; }
  .nav__hamburger {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    border: 1px solid var(--gold-border);
    border-radius: 999px;
    background: rgba(10, 15, 30, 0.72);
    backdrop-filter: blur(18px);
    -webkit-backdrop-filter: blur(18px);
  }
  .nav__logo {
    font-size: 18px;
    gap: 10px;
    max-width: calc(100% - 72px);
  }
  .nav__logo::before { width: 30px; height: 30px; }

  .hero { flex-direction: column; }
  .hero__content {
    width: 100%;
    padding: 100px 32px 48px;
    order: 2;
  }
  .hero__visual {
    width: 100%;
    height: 55vh;
    min-height: 380px;
    clip-path: none;
    order: 1;
  }
  .hero__credential { bottom: 30px; right: 20px; }
  .hero__meet { bottom: 130px; left: 24px; }
  .hero__meet-text { font-size: 26px; }
  .hero__meet-arrow { width: 64px; height: 22px; }

  .hero__stats-bar {
    position: relative;
    flex-wrap: wrap;
    gap: 20px;
    padding: 28px 32px;
    order: 3;
  }
  .hero__stat { border-right: none; padding: 0 20px; }

  .footer__grid {
    grid-template-columns: 1.2fr 1fr 1fr;
    gap: 32px;
  }

  .footer__col--compliance {
    grid-column: 1 / -1;
    padding-top: 12px;
    border-top: 1px solid var(--white-10);
  }

  .footer__bottom-inner {
    flex-direction: column;
    align-items: flex-start;
  }

  .intro { padding: 80px 0; }
  .intro__grid { grid-template-columns: 1fr; }
  .intro__image-col { min-height: 360px; }
  .intro__text-col { padding: 48px 32px 0; }

  .services { padding: 0 32px 100px; }
  .services__bento {
    grid-template-columns: 1fr;
    grid-template-rows: auto;
    height: auto;
  }
  .services__card--tall { grid-row: auto; }
  .services__card { min-height: 320px; }
  .services__header { padding: 0; }

  .impact__grid { grid-template-columns: 1fr 1fr; }
  .impact__item:nth-child(2) { border-right: none; }
  .impact__strip { height: 200px; }

  .advisor__inner {
    grid-template-columns: 1fr;
    gap: 40px;
    padding: 0 32px;
    text-align: center;
  }
  .advisor__portrait { margin: 0 auto; width: 200px; height: 260px; }
  .advisor__label { justify-content: center; }
  .advisor__quote { border-left: none; padding-left: 0; border-top: none; padding-top: 0; }
  .advisor__bio { margin: 0 auto 28px; }
  .advisor__creds { justify-content: center; }

  .process { padding: 100px 0; }
  .process__track {
    grid-template-columns: 1fr 1fr;
    gap: 48px 24px;
  }
  .process__track::before { display: none; }

  .testimonials__header { padding: 0 32px; }
  .testimonials__grid {
    grid-template-columns: 1fr;
    padding: 0 32px;
  }

  .cta-banner { padding: 100px 32px; }

  /* V3 new components — tablet */
  .glossary__grid { grid-template-columns: 1fr 1fr; }
  .story-feature__inner { grid-template-columns: 260px 1fr; gap: 40px; padding: 0 32px; }
  .stories-grid__grid { grid-template-columns: 1fr 1fr; }
  .blog-feature__card { grid-template-columns: 1fr; }
  .blog-feature__image img { min-height: 280px; }
  .blog-feature__body { padding: 36px 32px; }
  .blog-grid__grid { grid-template-columns: 1fr 1fr; }
  .newsletter__inner { flex-direction: column; text-align: center; }
  .newsletter__form { width: 100%; max-width: 480px; }
  .newsletter__input { flex: 1; min-width: 0; }
  .tool-tabs { top: 68px; }
  .tool-tabs__tab { padding: 16px 20px; font-size: 10px; }
  .structures__grid { grid-template-columns: 1fr 1fr; }
  .structures__card-name { font-size: 22px; }
  .calc__results-row { grid-template-columns: 1fr; }

  .footer__top { padding: 56px 0; }
  .footer__grid { grid-template-columns: 1fr 1fr; gap: 40px; }
}

/* ═══════════════════════════════════════════════════
   RESPONSIVE — MOBILE (≤540px)
   ═══════════════════════════════════════════════════ */
@media (max-width: 540px) {
  .container { padding: 0 20px; }
  .nav { padding: 0 20px; height: 64px; }
  .nav__logo { font-size: 16px; gap: 8px; }
  .nav__logo::before { width: 28px; height: 28px; }
  .footer__logo::before { width: 28px; height: 28px; }
  .mobile-menu { padding: 88px 20px 32px; }
  .mobile-menu__links { gap: 18px; }
  .mobile-menu__section-panel a { font-size: 14px; }

  .hero__content { padding: 80px 20px 36px; }
  .hero__visual { height: 45vh; min-height: 300px; }
  .hero__stats-bar { padding: 20px; }
  .hero__stat { padding: 0 12px; }
  .hero__stat-num { font-size: 24px; }

  .hero__ctas { flex-direction: column; align-items: stretch; gap: 12px; }
  .hero__ctas .btn { justify-content: center; }

  .intro__text-col { padding: 36px 20px 0; }

  .services { padding: 0 20px 80px; }
  .services__card { min-height: 280px; }

  .impact { padding: 60px 0; }
  .impact__grid { grid-template-columns: 1fr 1fr; gap: 0; }
  .impact__num { font-size: 40px; }
  .impact__strip { height: 160px; margin-top: 40px; }

  .process { padding: 80px 0; }
  .process__track { grid-template-columns: 1fr; gap: 36px; }
  .process__thumb { width: 88px; height: 88px; }

  .testimonials__featured { padding: 40px 28px; min-height: auto; }
  .testimonials__featured .testimonials__quote { font-size: 20px; }

  .cta-banner { padding: 80px 20px; }
  .cta-banner__heading { font-size: clamp(28px, 8vw, 40px); }
  .cta-banner__sub { font-size: 15px; margin-bottom: 36px; }
  .cta-banner__content { padding: 0 12px; }

  /* V3 new components — mobile */
  .glossary { padding: 80px 0; }
  .glossary__grid { grid-template-columns: 1fr; }
  .glossary__card { padding: 28px 24px; }
  .faq-section { padding: 80px 0; }
  .faq__question { font-size: 14px; padding: 20px 0; }
  .story-feature { padding: 80px 0; }
  .story-feature__inner { grid-template-columns: 1fr; gap: 32px; text-align: center; }
  .story-feature__photo { max-width: 280px; margin: 0 auto; }
  .story-feature__quote { border-left: none; padding-left: 0; border-top: 2px solid var(--gold-border); padding-top: 20px; font-size: 20px; }
  .story-feature__stats { justify-content: center; gap: 20px; flex-wrap: wrap; }
  .story-feature__stat-num { font-size: 28px; }
  .story-feature__stat-label { font-size: 10px; }
  .stories-grid { padding: 80px 0; }
  .stories-grid__grid { grid-template-columns: 1fr; }
  .stories-grid__card { padding: 32px 24px; }
  .video-testimonial { padding: 60px 0; }
  .video-testimonial__play { width: 56px; height: 56px; }
  .blog-feature { padding: 60px 0 0; }
  .blog-feature__body { padding: 28px 24px; }
  .blog-grid { padding: 60px 0 80px; }
  .blog-grid__grid { grid-template-columns: 1fr; }
  .blog-grid__header { flex-direction: column; align-items: flex-start; }
  .newsletter__form { flex-direction: column; }
  .newsletter__input { min-width: 0; }
  .tool-tabs { top: 64px; }
  .tool-tabs__inner { flex-wrap: wrap; }
  .tool-tabs__tab { padding: 14px 16px; font-size: 9px; }
  .structures__grid { grid-template-columns: 1fr; }
  .structures__card-name { font-size: 24px; }
  .structures__feat-value { font-size: 14px; }

  .footer__top { padding: 64px 0 40px; }
  .footer__grid { grid-template-columns: 1fr; gap: 30px; }
  .footer__col--brand { padding-right: 0; }
  .footer__brand-badges { gap: 8px; }
  .footer__badge { font-size: 10px; letter-spacing: 0.06em; }
  .footer__compliance-links { flex-direction: column; }
  .footer__compliance-links a { width: 100%; justify-content: center; }
  .footer__bottom { padding: 24px 0 28px; }
  .footer__bottom-inner { flex-direction: column; gap: 14px; text-align: left; }
  .footer__copyright { white-space: normal; }

}

/* ═══════════════════════════════════════════════════
   BLOG POST — Article Pages
   ═══════════════════════════════════════════════════ */
.blog-post__header {
  max-width: 1080px;
  margin: 0 auto;
  padding: 120px 24px 48px;
  text-align: center;
}

.blog-post__tag {
  display: inline-block;
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  background: var(--gold-dim);
  padding: 6px 16px;
  border-radius: 2px;
  margin-bottom: 24px;
}

.blog-post__title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(32px, 5vw, 48px);
  font-weight: 700;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 20px;
}

.blog-post__meta {
  font-size: 13px;
  color: var(--white-40);
  letter-spacing: 0.03em;
}

.blog-post__meta span {
  color: var(--gold);
}

.blog-post__hero-img {
  width: 100%;
  max-width: 1080px;
  margin: 0 auto;
  aspect-ratio: 16/9;
  overflow: hidden;
  border-radius: var(--radius);
}

.blog-post__hero-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.blog-post__body {
  max-width: 1080px;
  margin: 0 auto;
  padding: 56px 24px 80px;
}

.blog-post__body p {
  font-size: 17px;
  line-height: 1.8;
  color: var(--white-85);
  margin-bottom: 28px;
}

.blog-post__body h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 32px;
  font-weight: 700;
  color: var(--white);
  margin: 56px 0 20px;
  line-height: 1.25;
}

.blog-post__body h3 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 24px;
  font-weight: 600;
  color: var(--white-85);
  margin: 40px 0 16px;
  line-height: 1.3;
}

.blog-post__body ul,
.blog-post__body ol {
  margin: 0 0 28px 24px;
  list-style: disc;
}

.blog-post__body ol {
  list-style: decimal;
}

.blog-post__body li {
  font-size: 17px;
  line-height: 1.8;
  color: var(--white-85);
  margin-bottom: 8px;
}

.blog-post__body strong {
  color: var(--white-85);
  font-weight: 600;
}

.blog-post__pullquote {
  border-left: 3px solid var(--gold);
  padding: 32px 36px;
  margin: 40px 0;
  background: var(--gold-dim);
  border-radius: 0 var(--radius) var(--radius) 0;
}

.blog-post__pullquote p {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  font-style: italic;
  color: var(--white-85);
  line-height: 1.5;
  margin: 0;
}

.blog-post__divider {
  width: 60px;
  height: 2px;
  background: var(--gold-border);
  margin: 48px auto;
}

.blog-post__author {
  display: flex;
  align-items: center;
  gap: 24px;
  max-width: 1080px;
  margin: 0 auto;
  padding: 40px 24px;
  border-top: 1px solid var(--white-10);
  border-bottom: 1px solid var(--white-10);
}

.blog-post__author-img {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  overflow: hidden;
  flex-shrink: 0;
  border: 2px solid var(--gold-border);
}

.blog-post__author-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 20%;
}

.blog-post__author-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 4px;
}

.blog-post__author-role {
  font-size: 13px;
  color: var(--white-40);
  margin-bottom: 8px;
}

.blog-post__author-bio {
  font-size: 14px;
  color: var(--white-65);
  line-height: 1.6;
}

.blog-post__related {
  max-width: 1080px;
  margin: 0 auto;
  padding: 80px 24px;
}

.blog-post__related-label {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

.blog-post__related-heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: 32px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 40px;
}

.blog-post__related-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

/* ── Responsive — Blog Post (Tablet) ────────── */
@media (max-width: 1024px) {
  .blog-post__header { padding: 100px 32px 40px; }
  .blog-post__body { padding: 48px 32px 64px; }
  .blog-post__author { padding: 36px 32px; }
  .blog-post__related { padding: 64px 32px; }
  .blog-post__related-grid { grid-template-columns: 1fr 1fr; }
}

/* ── Responsive — Blog Post (Mobile) ─────────── */
@media (max-width: 540px) {
  .blog-post__header { padding: 90px 20px 32px; }
  .blog-post__body { padding: 32px 20px 48px; }
  .blog-post__body h2 { font-size: 22px; }
  .blog-post__body h3 { font-size: 18px; }
  .blog-post__pullquote { padding: 24px; font-size: 18px; }
  .blog-post__author { flex-direction: column; text-align: center; padding: 32px 24px; }
  .blog-post__author-img { margin: 0 auto; }
  .blog-post__related { padding: 48px 20px; }
  .blog-post__related-grid { grid-template-columns: 1fr; }
}

/* ═══════════════════════════════════════════════════
   WIZARD — Multi-Step Apply Flow
   ═══════════════════════════════════════════════════ */
.wizard {
  min-height: 100vh;
  padding: 100px 40px 80px;
  background: linear-gradient(180deg, #0e1428 0%, #121a32 40%, #0e1428 100%);
}

.wizard__inner {
  max-width: 780px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr;
  gap: 0;
  align-items: start;
}

/* ── Progress Bar ──────────────────────────── */
.wizard__progress {
  grid-column: 1 / -1;
  position: relative;
  height: 4px;
  background: var(--white-10);
  border-radius: 4px;
  margin-bottom: 48px;
  transition: opacity 0.5s;
}

.wizard__progress--hidden { opacity: 0; pointer-events: none; }

.wizard__progress-bar {
  position: absolute;
  top: 0;
  left: 0;
  height: 100%;
  background: linear-gradient(90deg, var(--gold) 0%, var(--gold-light) 100%);
  border-radius: 4px;
  transition: width 0.5s var(--ease);
  box-shadow: 0 0 12px rgba(201, 168, 76, 0.35);
}

.wizard__progress-steps {
  position: absolute;
  top: -14px;
  left: 0;
  right: 0;
  display: flex;
  justify-content: space-between;
}

.wizard__progress-dot {
  width: 30px;
  height: 30px;
  border-radius: 50%;
  border: 2px solid var(--white-10);
  background: var(--navy);
  color: var(--white-40);
  font-size: 11px;
  font-weight: 600;
  font-family: inherit;
  cursor: default;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.3s var(--ease);
}

.wizard__progress-dot--active {
  border-color: var(--gold);
  color: var(--gold);
}

.wizard__progress-dot--done {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy);
  cursor: pointer;
}

/* ── Steps ─────────────────────────────────── */
.wizard__step {
  display: none;
  opacity: 0;
  transform: translateY(20px);
}

.wizard__step--active {
  display: block;
  animation: wizardIn 0.4s var(--ease) forwards;
}

.wizard__step--exit {
  display: block;
  animation: wizardOut 0.3s var(--ease) forwards;
}

@keyframes wizardIn {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes wizardOut {
  from { opacity: 1; transform: translateY(0); }
  to { opacity: 0; transform: translateY(-10px); }
}

.wizard__step-header {
  margin-bottom: 48px;
  text-align: center;
}

.wizard__step-label {
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
  background: rgba(201, 168, 76, 0.08);
  padding: 6px 16px;
  border-radius: 20px;
  border: 1px solid rgba(201, 168, 76, 0.15);
}

.wizard__step-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(30px, 4.5vw, 44px);
  font-weight: 700;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 12px;
}

.wizard__step-sub {
  font-size: 16px;
  color: var(--white-40);
  line-height: 1.6;
  max-width: 520px;
  margin: 0 auto;
}

/* ── Cards ─────────────────────────────────── */
.wizard__cards {
  display: grid;
  gap: 16px;
  margin-bottom: 28px;
}

.wizard__cards--2x2 { grid-template-columns: 1fr 1fr; }
.wizard__cards--3col { grid-template-columns: 1fr 1fr 1fr; }
.wizard__cards--4col { grid-template-columns: 1fr 1fr 1fr 1fr; }

.wizard__card {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 36px 24px;
  background: rgba(255, 255, 255, 0.03);
  border: 1.5px solid rgba(255, 255, 255, 0.08);
  border-radius: 16px;
  cursor: pointer;
  transition: all 0.3s var(--ease);
  font-family: inherit;
  color: inherit;
}

.wizard__card:hover {
  border-color: rgba(201, 168, 76, 0.35);
  background: rgba(201, 168, 76, 0.05);
  transform: translateY(-4px);
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.35);
}

.wizard__card--selected {
  border-color: var(--gold) !important;
  background: rgba(201, 168, 76, 0.1) !important;
  box-shadow: 0 0 0 2px var(--gold), 0 12px 40px rgba(201, 168, 76, 0.2) !important;
}

.wizard__card--selected::after {
  content: '';
  position: absolute;
  top: 12px;
  right: 12px;
  width: 24px;
  height: 24px;
  background: var(--gold);
  border-radius: 50%;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' fill='none' stroke='%230a0f1e' stroke-width='3' stroke-linecap='round' stroke-linejoin='round' xmlns='http://www.w3.org/2000/svg'%3E%3Cpolyline points='6,12 10,16 18,8'/%3E%3C/svg%3E");
  background-size: 16px;
  background-position: center;
  background-repeat: no-repeat;
  animation: checkPop 0.3s var(--ease);
}

@keyframes checkPop {
  0% { transform: scale(0); }
  60% { transform: scale(1.2); }
  100% { transform: scale(1); }
}

.wizard__card-icon {
  width: 48px;
  height: 48px;
  margin-bottom: 16px;
}

.wizard__card-icon svg {
  width: 100%;
  height: 100%;
  fill: none;
  stroke: var(--gold);
  stroke-width: 1.5;
}

.wizard__card-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 6px;
}

.wizard__card-desc {
  font-size: 13px;
  color: var(--white-40);
  line-height: 1.4;
}

.wizard__card--compact {
  padding: 32px 24px;
}

.wizard__card--compact .wizard__card-title {
  font-size: 19px;
  margin-bottom: 4px;
}

/* ── Form Fields ───────────────────────────── */
.wizard__form-fields {
  max-width: 520px;
}

.wizard__field {
  margin-bottom: 24px;
}

.wizard__field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 28px;
}

/* Fields inside rows don't need their own bottom margin — the row handles it */
.wizard__field-row > .wizard__field {
  margin-bottom: 0;
}

.wizard__label {
  display: block;
  font-size: 13px;
  font-weight: 500;
  color: var(--white-65);
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 10px;
}

/* Standalone labels (section headers) get top margin for visual separation */
.wizard__step > .wizard__label {
  margin-top: 12px;
}

.wizard__optional {
  text-transform: none;
  letter-spacing: 0;
  color: var(--white-40);
  font-weight: 400;
}

.wizard__input,
.wizard__textarea {
  width: 100%;
  padding: 16px 20px;
  background: rgba(255, 255, 255, 0.04);
  border: 1.5px solid rgba(255, 255, 255, 0.1);
  border-radius: 12px;
  color: var(--white);
  font-family: inherit;
  font-size: 16px;
  transition: border-color 0.25s, box-shadow 0.25s, background 0.25s;
  outline: none;
}

.wizard__input:focus,
.wizard__textarea:focus {
  border-color: var(--gold);
  background: rgba(201, 168, 76, 0.04);
  box-shadow: 0 0 0 3px rgba(201, 168, 76, 0.12);
}

.wizard__input--error {
  border-color: #e74c3c !important;
  box-shadow: 0 0 0 3px rgba(231, 76, 60, 0.15) !important;
  animation: shake 0.4s var(--ease);
}

@keyframes shake {
  0%, 100% { transform: translateX(0); }
  20% { transform: translateX(-6px); }
  40% { transform: translateX(6px); }
  60% { transform: translateX(-4px); }
  80% { transform: translateX(4px); }
}

.wizard__input::placeholder,
.wizard__textarea::placeholder {
  color: var(--white-40);
}

.wizard__textarea {
  resize: vertical;
  min-height: 80px;
}

/* ── Radio Group ───────────────────────────── */
.wizard__radio-group {
  display: flex;
  gap: 12px;
}

.wizard__radio input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}

.wizard__radio-box {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 14px 20px;
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  border-radius: var(--radius);
  font-size: 14px;
  color: var(--white-65);
  cursor: pointer;
  transition: all 0.25s var(--ease);
}

.wizard__radio-box svg {
  width: 18px;
  height: 18px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  flex-shrink: 0;
}

.wizard__radio-box:hover {
  border-color: var(--gold-border);
  color: var(--white);
}

.wizard__radio input:checked + .wizard__radio-box {
  border-color: var(--gold);
  color: var(--gold);
  background: rgba(201, 168, 76, 0.06);
}

/* ── Buttons ───────────────────────────────── */
.wizard__next-btn,
.wizard__submit-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  width: 100%;
  padding: 18px 32px;
  background: linear-gradient(135deg, #b8860b 0%, #daa520 50%, #c9a84c 100%);
  color: var(--navy);
  font-family: inherit;
  font-size: 15px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  border: none;
  border-radius: 14px;
  cursor: pointer;
  transition: all 0.3s var(--ease);
  margin-top: 40px;
  box-shadow: 0 4px 20px rgba(201, 168, 76, 0.2);
}

.wizard__next-btn:hover,
.wizard__submit-btn:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 36px rgba(201, 168, 76, 0.35);
}

.wizard__next-btn:active,
.wizard__submit-btn:active {
  transform: translateY(0);
}

.wizard__submit-btn:disabled {
  opacity: 0.7;
  cursor: wait;
  transform: none;
}

.wizard__submit-loading {
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.wizard__spinner {
  width: 20px;
  height: 20px;
  animation: spin 0.8s linear infinite;
}

@keyframes spin {
  to { transform: rotate(360deg); }
}

.wizard__back {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 32px;
  padding: 8px 0;
  background: none;
  border: none;
  color: var(--white-40);
  font-family: inherit;
  font-size: 13px;
  cursor: pointer;
  transition: color 0.25s;
}

.wizard__back:hover { color: var(--white); }

.wizard__disclaimer {
  font-size: 12px;
  color: var(--white-40);
  line-height: 1.5;
  margin-top: 20px;
}

/* ── Success Screen ────────────────────────── */
.wizard__step--success {
  grid-column: 1 / -1;
}

.wizard--success .wizard__progress {
  display: none;
}

.wizard--success .wizard__inner {
  justify-items: center;
}

.wizard__success {
  text-align: center;
  max-width: 560px;
  margin: 40px auto;
}

.wizard__success-icon {
  width: 80px;
  height: 80px;
  margin: 0 auto 28px;
  color: var(--gold);
  animation: successPop 0.6s var(--ease);
}

@keyframes successPop {
  0% { transform: scale(0) rotate(-30deg); opacity: 0; }
  60% { transform: scale(1.15) rotate(5deg); }
  100% { transform: scale(1) rotate(0); opacity: 1; }
}

.wizard__success-icon svg {
  width: 100%;
  height: 100%;
}

.wizard__success-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 40px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 12px;
}

.wizard__success-sub {
  font-size: 16px;
  color: var(--white-65);
  line-height: 1.6;
  margin-bottom: 36px;
}

.wizard__success-summary {
  text-align: left;
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  border-radius: var(--radius);
  padding: 24px 28px;
  margin-bottom: 36px;
}

.wizard__summary-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid var(--white-05);
}

.wizard__summary-row:last-child { border-bottom: none; }

.wizard__summary-row span {
  font-size: 13px;
  color: var(--white-40);
}

.wizard__summary-row strong {
  font-size: 14px;
  color: var(--white-85);
  font-weight: 500;
}

.wizard__success-actions {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 28px;
}

.wizard__success-link {
  font-size: 14px;
  color: var(--gold);
  transition: opacity 0.25s;
}

.wizard__success-link:hover { opacity: 0.7; }

/* ── Sidebar ───────────────────────────────── */
.wizard__sidebar {
  display: none;
}

.wizard__nav {
  display: flex;
  flex-direction: column;
  gap: 4px;
  margin-bottom: 28px;
}

.wizard__nav-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px 16px;
  background: none;
  border: 1px solid transparent;
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 14px;
  color: var(--white-40);
  cursor: default;
  transition: all 0.25s var(--ease);
  text-align: left;
}

.wizard__nav-icon {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  opacity: 0.4;
  transition: opacity 0.25s;
}

.wizard__nav-icon svg {
  width: 100%;
  height: 100%;
}

.wizard__nav-label {
  flex: 1;
}

.wizard__nav-check {
  width: 16px;
  height: 16px;
  opacity: 0;
  color: var(--gold);
  transition: opacity 0.25s;
}

.wizard__nav-check svg {
  width: 100%;
  height: 100%;
}

.wizard__nav-item--active {
  background: var(--navy-card);
  border-color: var(--white-10);
  color: var(--white);
}

.wizard__nav-item--active .wizard__nav-icon {
  opacity: 1;
  color: var(--gold);
}

.wizard__nav-item--done {
  color: var(--white-65);
  cursor: pointer;
}

.wizard__nav-item--done .wizard__nav-icon { opacity: 0.6; }
.wizard__nav-item--done .wizard__nav-check { opacity: 1; }
.wizard__nav-item--done:hover { background: var(--navy-card); border-color: var(--white-10); }

.wizard__sidebar-contact {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 20px 16px;
  border-top: 1px solid var(--white-10);
}

.wizard__sidebar-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  object-fit: cover;
  object-position: center 20%;
  border: 2px solid var(--gold-border);
}

.wizard__sidebar-contact p {
  font-size: 11px;
  color: var(--white-40);
  margin-bottom: 2px;
}

.wizard__sidebar-contact a {
  font-size: 13px;
  font-weight: 600;
  color: var(--gold);
  transition: opacity 0.25s;
}

.wizard__sidebar-contact a:hover { opacity: 0.7; }

/* ── Contact Strip (replaces sidebar) ─────── */
.wizard__contact-strip {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 14px;
  padding: 24px 0;
  margin-top: 48px;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
}

.wizard__contact-avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  object-fit: cover;
  object-position: center 20%;
  border: 2px solid var(--gold-border);
}

.wizard__contact-info p {
  font-size: 12px;
  color: var(--white-40);
  margin-bottom: 2px;
}

.wizard__contact-info a {
  font-size: 14px;
  font-weight: 600;
  color: var(--gold);
  transition: opacity 0.25s;
}

.wizard__contact-info a:hover { opacity: 0.7; }

/* ── Toggle Buttons (Yes/No) ─────────────── */
.wizard__toggle-group {
  display: flex;
  gap: 12px;
  margin-bottom: 8px;
}

.wizard__toggle {
  flex: 1;
  padding: 16px 24px;
  background: rgba(255, 255, 255, 0.03);
  border: 1.5px solid rgba(255, 255, 255, 0.08);
  border-radius: 12px;
  font-family: inherit;
  font-size: 15px;
  font-weight: 500;
  color: var(--white-65);
  cursor: pointer;
  transition: all 0.25s var(--ease);
}

.wizard__toggle:hover {
  border-color: rgba(201, 168, 76, 0.35);
  color: var(--white);
  background: rgba(201, 168, 76, 0.04);
}

.wizard__toggle--active {
  border-color: var(--gold);
  color: var(--gold);
  background: rgba(201, 168, 76, 0.08);
  box-shadow: 0 0 0 2px var(--gold);
}

/* ── Checkbox Label ──────────────────────── */
.wizard__check-label {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px 0;
  font-size: 14px;
  color: var(--white-65);
  cursor: pointer;
  margin-bottom: 8px;
}

.wizard__checkbox {
  width: 18px;
  height: 18px;
  accent-color: var(--gold);
  cursor: pointer;
}

/* ── Field Note ──────────────────────────── */
.wizard__field-note {
  font-size: 12px;
  color: var(--white-40);
  margin-bottom: 16px;
  padding-top: 4px;
}

/* ── 2-Column Cards ──────────────────────── */
.wizard__cards--2col { grid-template-columns: 1fr 1fr; }

/* ── Review Section ──────────────────────── */
.wizard__review {
  background: rgba(255, 255, 255, 0.03);
  border: 1.5px solid rgba(255, 255, 255, 0.08);
  border-radius: 16px;
  padding: 28px 32px;
  margin-bottom: 28px;
}

.wizard__review-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid var(--white-05);
}

.wizard__review-row:last-child { border-bottom: none; }

.wizard__review-row span {
  font-size: 13px;
  color: var(--white-40);
}

.wizard__review-row strong {
  font-size: 14px;
  color: var(--white-85);
  font-weight: 500;
  text-align: right;
}

/* ── Wizard Responsive — Tablet ────────────── */
@media (max-width: 1024px) {
  .wizard { padding: 90px 28px 60px; }
  .wizard__cards--3col { grid-template-columns: 1fr 1fr; }
  .wizard__cards--4col { grid-template-columns: 1fr 1fr; }
}

/* ── Wizard Responsive — Mobile ────────────── */
@media (max-width: 540px) {
  .wizard { padding: 80px 16px 48px; }
  .wizard__step-title { font-size: 26px; }
  .wizard__step-header { margin-bottom: 32px; }
  .wizard__cards--2x2 { grid-template-columns: 1fr; }
  .wizard__cards--2col { grid-template-columns: 1fr; }
  .wizard__cards--3col { grid-template-columns: 1fr; }
  .wizard__cards--4col { grid-template-columns: 1fr 1fr; }
  .wizard__card { padding: 24px 18px; }
  .wizard__field-row { grid-template-columns: 1fr; }
  .wizard__radio-group { flex-direction: column; }
  .wizard__toggle-group { flex-direction: column; }
  .wizard__success-title { font-size: 30px; }
  .wizard__success-actions { flex-direction: column; gap: 16px; }
  .wizard__review-row { flex-direction: column; align-items: flex-start; gap: 4px; }
  .wizard__review-row strong { text-align: left; }
}

/* ═══════════════════════════════════════════════════
   WIZARD — Additional Styles
   ═══════════════════════════════════════════════════ */
.wizard__field-row--3 { grid-template-columns: 1fr 1fr 1fr; }
.wizard__field-row--4 { grid-template-columns: 1fr 1fr 1fr 1fr; }

.wizard__select {
  cursor: pointer;
  -webkit-appearance: none;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg width='10' height='6' viewBox='0 0 10 6' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1l4 4 4-4' stroke='%23666' fill='none' stroke-width='1.2'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 16px center;
  padding-right: 40px;
}

.wizard__select option {
  background: var(--navy);
  color: var(--white);
}

.wizard__conditional {
  margin-bottom: 24px;
}

.wizard__section-divider {
  display: flex;
  align-items: center;
  gap: 16px;
  margin: 28px 0 20px;
}

.wizard__section-divider::before,
.wizard__section-divider::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--white-10);
}

.wizard__section-divider span {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  white-space: nowrap;
}

.wizard__check-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 6px 24px;
}

.is-hidden { display: none !important; }

/* Additional wizard responsive for 3/4 col rows */
@media (max-width: 1024px) {
  .wizard__field-row--3 { grid-template-columns: 1fr 1fr; }
  .wizard__field-row--4 { grid-template-columns: 1fr 1fr; }
  .wizard__check-grid { grid-template-columns: 1fr; }
}
@media (max-width: 540px) {
  .wizard__field-row--3 { grid-template-columns: 1fr; }
  .wizard__field-row--4 { grid-template-columns: 1fr 1fr; }
}



/* ═══════════════════════════════════════════════════
   BLOG HIGHLIGHTS (Blog index page)
   ═══════════════════════════════════════════════════ */
.blog-highlights {
  padding: 0 0 80px;
}

.blog-highlights__grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 20px;
}

.blog-highlights__panel {
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  border-radius: 24px;
  padding: 40px 36px;
  transition: border-color 0.4s var(--ease);
}

.blog-highlights__panel:hover {
  border-color: var(--gold-border);
}

.blog-highlights__eyebrow {
  display: block;
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

.blog-highlights__title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 34px;
  line-height: 1.05;
  margin-bottom: 12px;
}

.blog-highlights__copy {
  font-size: 14px;
  line-height: 1.75;
  color: var(--white-65);
  margin-bottom: 22px;
}

.blog-highlights__list {
  display: grid;
  gap: 14px;
}

.blog-highlights__item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 14px;
  padding: 16px 18px;
  border: 1px solid var(--white-10);
  border-radius: 12px;
  text-decoration: none;
  color: inherit;
  cursor: pointer;
  transition: all 0.35s var(--ease);
}

.blog-highlights__item:hover {
  border-color: var(--gold-border);
  background: rgba(201, 168, 76, 0.05);
  transform: translateY(-2px);
  box-shadow: 0 4px 20px rgba(201, 168, 76, 0.08);
}

.blog-highlights__item:hover strong {
  color: var(--gold);
  transition: color 0.3s var(--ease);
}

.blog-highlights__item strong {
  display: block;
  font-size: 16px;
  margin-bottom: 4px;
}

.blog-highlights__item span {
  font-size: 13px;
  color: var(--white-40);
}

.blog-highlights__meta {
  white-space: nowrap;
  color: var(--gold);
  font-size: 12px;
  display: flex;
  align-items: center;
  gap: 8px;
  flex-shrink: 0;
}

.blog-highlights__meta::after {
  content: '\2192';
  font-size: 16px;
  opacity: 0.4;
  transition: all 0.35s var(--ease);
}

.blog-highlights__item:hover .blog-highlights__meta::after {
  opacity: 1;
  transform: translateX(4px);
}

/* ═══════════════════════════════════════════════════
   BLOG SEARCH & CONTROLS
   ═══════════════════════════════════════════════════ */
.blog-grid__controls {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  align-items: center;
}

.blog-grid__search {
  min-width: 320px;
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  border-radius: 999px;
  padding: 14px 18px;
  color: var(--white);
  font-family: inherit;
  font-size: 14px;
  outline: none;
  transition: border-color 0.3s;
}

.blog-grid__search::placeholder { color: var(--white-40); }
.blog-grid__search:focus { border-color: var(--gold-border); }

.blog-grid__results {
  font-size: 12px;
  color: var(--white-40);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.blog-grid__empty {
  display: none;
  padding: 24px 0 0;
  color: var(--white-40);
  font-size: 15px;
}

.blog-grid__empty.is-visible {
  display: block;
}

/* ═══════════════════════════════════════════════════
   NEWSLETTER STATUS
   ═══════════════════════════════════════════════════ */
.newsletter__status {
  margin-top: 14px;
  font-size: 13px;
  color: var(--white-40);
}

/* ═══════════════════════════════════════════════════
   BLOG POST — Article Pages
   ═══════════════════════════════════════════════════ */
.blog-post__header {
  text-align: center;
  max-width: 800px;
  margin: 0 auto;
  padding: 140px 24px 40px;
}

.blog-post__tag {
  display: inline-block;
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  background: rgba(201, 168, 76, 0.14);
  color: var(--gold);
  padding: 6px 16px;
  border-radius: 999px;
  margin-bottom: 20px;
}

.blog-post__title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(36px, 5vw, 60px);
  font-weight: 700;
  line-height: 1.08;
  margin-bottom: 16px;
}

.blog-post__meta {
  font-size: 14px;
  color: var(--white-40);
  letter-spacing: 0.05em;
}

.blog-post__meta span {
  color: var(--gold);
}

.blog-post__hero-img {
  max-width: 900px;
  margin: 0 auto 48px;
  padding: 0 24px;
}

.blog-post__hero-img img {
  width: 100%;
  border-radius: 16px;
}

.blog-post__body {
  max-width: 720px;
  margin: 0 auto;
  padding: 0 24px 48px;
}

.blog-post__body p {
  font-size: 17px;
  line-height: 1.85;
  color: var(--white-65);
  margin-bottom: 24px;
}

.blog-post__body h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 34px;
  font-weight: 700;
  line-height: 1.1;
  margin: 56px 0 20px;
}

.blog-post__body h3 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 24px;
  font-weight: 700;
  line-height: 1.2;
  margin: 40px 0 16px;
}

.blog-post__body ul,
.blog-post__body ol {
  margin-left: 24px;
  margin-bottom: 24px;
}

.blog-post__body li {
  font-size: 17px;
  line-height: 1.85;
  color: var(--white-65);
  margin-bottom: 8px;
}

.blog-post__body a {
  color: var(--gold);
}

.blog-post__pullquote {
  border-left: 3px solid var(--gold);
  background: var(--navy-card);
  border-radius: 0 16px 16px 0;
  padding: 28px 30px;
  margin: 40px 0;
}

.blog-post__pullquote p {
  font-family: 'Cormorant Garamond', serif;
  font-size: 24px;
  line-height: 1.35;
  color: var(--white);
  margin-bottom: 0;
}

.blog-post__divider {
  max-width: 720px;
  margin: 0 auto;
  height: 1px;
  background: var(--white-10);
}

.blog-post__author {
  max-width: 720px;
  margin: 0 auto;
  padding: 32px 24px;
  display: flex;
  gap: 20px;
  align-items: center;
  border-top: 1px solid var(--white-10);
  border-bottom: 1px solid var(--white-10);
}

.blog-post__author-img {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  overflow: hidden;
  flex-shrink: 0;
}

.blog-post__author-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 20%;
}

.blog-post__author-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 20px;
  font-weight: 700;
}

.blog-post__author-role {
  font-size: 13px;
  color: var(--gold);
  margin-bottom: 4px;
}

.blog-post__author-bio {
  font-size: 14px;
  color: var(--white-65);
  line-height: 1.6;
}

.blog-post__related {
  max-width: 1100px;
  margin: 0 auto;
  padding: 64px 24px 80px;
}

.blog-post__related-label {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 8px;
}

.blog-post__related-heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: 32px;
  font-weight: 700;
  margin-bottom: 32px;
}

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

.blog-progress {
  position: fixed;
  top: 72px;
  left: 0;
  width: 100%;
  height: 3px;
  z-index: 998;
  background: var(--white-10);
}

.blog-progress__bar {
  width: 0;
  height: 100%;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
}

/* ═══════════════════════════════════════════════════
   BLOG Responsive
   ═══════════════════════════════════════════════════ */
@media (max-width: 1024px) {
  .blog-highlights__grid {
    grid-template-columns: 1fr 1fr;
  }

  .blog-post__related-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 768px) {
  .blog-post__related-grid {
    grid-template-columns: 1fr;
  }

  .blog-grid__header {
    flex-direction: column;
  }
}

@media (max-width: 540px) {
  .blog-highlights__grid,
  .blog-post__related-grid {
    grid-template-columns: 1fr;
  }

  .blog-highlights__title,
  .blog-post__body h2 {
    font-size: 28px;
  }

  .blog-highlights__item {
    flex-direction: column;
  }

  .blog-grid__search {
    min-width: 100%;
  }

  .blog-post__header {
    padding-top: 110px;
  }

  .blog-progress {
    top: 60px;
  }

  .blog-grid__grid {
    grid-template-columns: 1fr;
  }

  .blog-feature__card {
    grid-template-columns: 1fr;
  }

  .blog-feature__body {
    padding: 32px 24px;
  }

  .newsletter__inner {
    flex-direction: column;
    text-align: center;
  }

  .newsletter__form {
    flex-direction: column;
    width: 100%;
  }

  .newsletter__input {
    min-width: 100%;
  }
}

/* ═══════════════════════════════════════════════════
   BLOG ARTICLE — JS-Generated Layout & Components
   ═══════════════════════════════════════════════════ */

/* Stage wraps the header */
.blog-post__stage {
  text-align: center;
  max-width: 1100px;
  margin: 0 auto;
}

.blog-post__stage .blog-post__header {
  max-width: 800px;
  margin: 0 auto;
}

/* Two-column grid: main + rail */
.blog-post__content {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 48px;
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
}

.blog-post__main {
  min-width: 0;
}

/* Override element padding/margin when inside the grid */
.blog-post__content .blog-post__body {
  padding-left: 0;
  padding-right: 0;
  max-width: none;
}

.blog-post__content .blog-post__hero-img {
  padding: 0;
  margin: 0 0 48px;
  max-width: none;
}

.blog-post__content .blog-post__divider {
  max-width: none;
}

.blog-post__content .blog-post__author {
  max-width: none;
  padding-left: 0;
  padding-right: 0;
}

.blog-post__content .blog-post__related {
  max-width: none;
  padding-left: 0;
  padding-right: 0;
}

/* Sidebar Rail */
.blog-post__rail {
  position: sticky;
  top: 100px;
  align-self: start;
  display: flex;
  flex-direction: column;
  gap: 20px;
  padding-top: 24px;
}

.blog-post__rail-card {
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  border-radius: 16px;
  padding: 24px;
}

.blog-post__rail-title {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
}

/* Rail — title override inside rail cards */
.blog-post__rail-card .blog-post__title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  font-weight: 700;
  line-height: 1.1;
  margin-bottom: 10px;
  text-align: left;
}

/* Table of Contents */
.blog-post__toc {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.blog-post__toc a {
  font-size: 13px;
  color: var(--white-40);
  text-decoration: none;
  padding: 5px 0 5px 14px;
  border-left: 2px solid transparent;
  transition: all 0.3s var(--ease);
  line-height: 1.4;
}

.blog-post__toc a:hover {
  color: var(--white);
}

.blog-post__toc a.is-active {
  color: var(--gold);
  border-left-color: var(--gold);
}

/* Share Section */
.blog-post__share {
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  border-radius: 16px;
  padding: 24px;
}

.blog-post__share-buttons {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.blog-post__share-button {
  display: block;
  padding: 11px 16px;
  background: rgba(201, 168, 76, 0.06);
  border: 1px solid var(--white-10);
  border-radius: 10px;
  font-family: inherit;
  font-size: 13px;
  font-weight: 500;
  color: var(--white-85);
  text-align: center;
  text-decoration: none;
  cursor: pointer;
  transition: all 0.3s var(--ease);
}

.blog-post__share-button:hover {
  border-color: var(--gold-border);
  color: var(--gold);
  background: rgba(201, 168, 76, 0.10);
}

/* Inline CTA (injected into article body by JS) */
.blog-post__inline-cta {
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  border-left: 3px solid var(--gold);
  border-radius: 0 16px 16px 0;
  padding: 28px 30px;
  margin: 40px 0;
}

.blog-post__inline-cta h3 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  font-weight: 700;
  line-height: 1.15;
  margin-bottom: 10px;
  color: var(--white);
}

.blog-post__inline-cta > p {
  font-size: 14px !important;
  line-height: 1.65 !important;
  color: var(--white-65) !important;
  font-style: italic;
  margin-bottom: 18px !important;
}

.blog-post__inline-cta-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.blog-post__inline-cta-actions .btn--gold-fill {
  padding: 12px 24px;
  font-size: 13px;
  color: var(--navy) !important;
}

.blog-post__inline-cta-actions .blog-post__share-button {
  color: var(--white-85) !important;
}

/* Helpful Prompt (injected before related articles by JS) */
.blog-post__helpful {
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  border-radius: 16px;
  padding: 24px 28px;
  margin: 32px 0;
}

.blog-post__helpful > p {
  font-size: 15px;
  color: var(--white-65);
  line-height: 1.6;
  margin-bottom: 14px;
}

.blog-post__helpful .blog-post__rail-title {
  margin-bottom: 10px;
}

.blog-post__helpful-actions {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.blog-post__helpful-actions button {
  padding: 10px 20px;
  background: rgba(201, 168, 76, 0.06);
  border: 1px solid var(--white-10);
  border-radius: 10px;
  font-family: inherit;
  font-size: 13px;
  font-weight: 500;
  color: var(--white-85);
  cursor: pointer;
  transition: all 0.3s var(--ease);
}

.blog-post__helpful-actions button:hover {
  border-color: var(--gold-border);
  color: var(--gold);
  background: rgba(201, 168, 76, 0.10);
}

.blog-post__helpful-status {
  display: block;
  margin-top: 12px;
  font-size: 13px;
  color: var(--gold);
  line-height: 1.5;
}

/* Responsive: collapse rail on tablet */
@media (max-width: 1024px) {
  .blog-post__content {
    grid-template-columns: 1fr;
    gap: 0;
  }

  .blog-post__rail {
    position: static;
    display: none;
  }

  .blog-post__content .blog-post__body {
    max-width: 720px;
    margin: 0 auto;
    padding: 0 24px 48px;
  }

  .blog-post__content .blog-post__hero-img {
    max-width: 900px;
    margin: 0 auto 48px;
    padding: 0 24px;
  }

  .blog-post__content .blog-post__author {
    max-width: 720px;
    margin: 0 auto;
    padding: 32px 24px;
  }

  .blog-post__content .blog-post__related {
    max-width: 1100px;
    margin: 0 auto;
    padding: 64px 24px 80px;
  }

  .blog-post__content .blog-post__divider {
    max-width: 720px;
    margin: 0 auto;
  }
}

@media (max-width: 540px) {
  .blog-post__inline-cta {
    padding: 20px 22px;
  }

  .blog-post__inline-cta-actions {
    flex-direction: column;
  }

  .blog-post__helpful-actions {
    flex-direction: column;
  }

  .blog-highlights__item {
    padding: 14px 14px;
  }
}


/* ═══════════════════════════════════════════════════
   PARTNERS PAGE
   ═══════════════════════════════════════════════════ */

/* --- Partner Intro --- */
.partner-intro { padding: 120px 0 80px; }
.partner-intro__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.partner-intro__eyebrow {
  display: block;
  font-family: 'Inter', sans-serif;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
}
.partner-intro__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(32px, 4vw, 48px);
  font-weight: 700;
  line-height: 1.15;
  margin-bottom: 28px;
  color: var(--white);
}
.partner-intro__heading em {
  font-style: italic;
  background: linear-gradient(135deg, #b8860b 0%, #daa520 30%, #ffd700 55%, #c9a84c 80%, #b8860b 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.partner-intro__desc {
  font-size: 15px;
  line-height: 1.8;
  color: var(--white-65);
  margin-bottom: 16px;
}
.partner-intro__image {
  border-radius: 16px;
  overflow: hidden;
  position: relative;
}
.partner-intro__image::after {
  content: '';
  position: absolute;
  inset: 0;
  border: 1px solid var(--gold-border);
  border-radius: 16px;
  pointer-events: none;
}
.partner-intro__image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  aspect-ratio: 4/3;
}

/* --- Partner Stats --- */
.partner-stats {
  padding: 80px 0;
  background: var(--navy-light);
  border-top: 1px solid var(--white-10);
  border-bottom: 1px solid var(--white-10);
}
.partner-stats__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 40px;
  text-align: center;
}
.partner-stats__item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
}
.partner-stats__icon {
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--gold-dim);
  border: 1px solid var(--gold-border);
  border-radius: 50%;
  color: var(--gold);
}
.partner-stats__icon svg {
  width: 22px;
  height: 22px;
}
.partner-stats__num {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(32px, 4vw, 44px);
  font-weight: 700;
  line-height: 1;
}
.partner-stats__label {
  font-size: 13px;
  color: var(--white-65);
  letter-spacing: 0.5px;
}

/* --- Partner Benefits — Interactive cards --- */
.partner-benefits {
  padding: 120px 0;
}
.partner-benefits__header {
  text-align: center;
  margin-bottom: 64px;
}
.partner-benefits__eyebrow {
  display: block;
  font-family: 'Inter', sans-serif;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}
.partner-benefits__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(32px, 4vw, 48px);
  font-weight: 700;
  line-height: 1.15;
  color: var(--white);
}
.partner-benefits__heading em {
  font-style: italic;
  background: linear-gradient(135deg, #b8860b 0%, #daa520 30%, #ffd700 55%, #c9a84c 80%, #b8860b 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.partner-benefits__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.partner-benefit {
  position: relative;
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  border-radius: 16px;
  padding: 40px 32px;
  transition: all 0.45s var(--ease);
  cursor: default;
  overflow: hidden;
}
.partner-benefit::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), transparent);
  opacity: 0;
  transition: opacity 0.45s var(--ease);
}
.partner-benefit:hover {
  border-color: var(--gold-border);
  transform: translateY(-6px);
  box-shadow: 0 20px 60px rgba(201, 168, 76, 0.08), 0 0 0 1px var(--gold-border);
}
.partner-benefit:hover::before {
  opacity: 1;
}
.partner-benefit__icon-wrap {
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--gold-dim);
  border: 1px solid var(--gold-border);
  border-radius: 14px;
  color: var(--gold);
  margin-bottom: 24px;
  transition: all 0.45s var(--ease);
}
.partner-benefit:hover .partner-benefit__icon-wrap {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy);
}
.partner-benefit__icon-wrap svg {
  width: 26px;
  height: 26px;
}
.partner-benefit__num {
  display: block;
  font-family: 'Cormorant Garamond', serif;
  font-size: 14px;
  font-weight: 700;
  color: var(--gold);
  opacity: 0.5;
  margin-bottom: 12px;
}
.partner-benefit__title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 12px;
  line-height: 1.3;
}
.partner-benefit__desc {
  font-size: 14px;
  line-height: 1.75;
  color: var(--white-65);
}

/* --- Partner Process — Timeline --- */
.partner-process {
  padding: 120px 0;
  background: var(--navy-light);
  border-top: 1px solid var(--white-10);
}
.partner-process__header {
  text-align: center;
  margin-bottom: 64px;
}
.partner-process__eyebrow {
  display: block;
  font-family: 'Inter', sans-serif;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}
.partner-process__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(32px, 4vw, 48px);
  font-weight: 700;
  line-height: 1.15;
  color: var(--white);
}
.partner-process__heading em {
  font-style: italic;
  background: linear-gradient(135deg, #b8860b 0%, #daa520 30%, #ffd700 55%, #c9a84c 80%, #b8860b 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.partner-process__timeline {
  max-width: 700px;
  margin: 0 auto;
  position: relative;
}
.partner-process__timeline::before {
  content: '';
  position: absolute;
  left: 28px;
  top: 0;
  bottom: 0;
  width: 2px;
  background: linear-gradient(180deg, var(--gold-border), transparent);
}
.partner-process__step {
  display: flex;
  gap: 32px;
  align-items: flex-start;
  padding-bottom: 48px;
  position: relative;
}
.partner-process__step:last-child { padding-bottom: 0; }
.partner-process__step-marker {
  width: 56px;
  height: 56px;
  min-width: 56px;
  border-radius: 50%;
  background: var(--navy-card);
  border: 2px solid var(--gold-border);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  z-index: 2;
  transition: all 0.45s var(--ease);
}
.partner-process__step-marker span {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  font-weight: 700;
  color: var(--gold);
}
.partner-process__step:hover .partner-process__step-marker {
  background: var(--gold);
  border-color: var(--gold);
  box-shadow: 0 0 30px rgba(201, 168, 76, 0.3);
}
.partner-process__step:hover .partner-process__step-marker span {
  color: var(--navy);
}
.partner-process__step-content {
  padding-top: 12px;
}
.partner-process__step-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 24px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 8px;
}
.partner-process__step-desc {
  font-size: 14px;
  line-height: 1.75;
  color: var(--white-65);
}

/* --- Partner Audience — Who We Work With --- */
.partner-audience {
  padding: 120px 0;
}
.partner-audience__header {
  text-align: center;
  margin-bottom: 64px;
}
.partner-audience__eyebrow {
  display: block;
  font-family: 'Inter', sans-serif;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}
.partner-audience__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(32px, 4vw, 48px);
  font-weight: 700;
  line-height: 1.15;
  color: var(--white);
}
.partner-audience__heading em {
  font-style: italic;
  background: linear-gradient(135deg, #b8860b 0%, #daa520 30%, #ffd700 55%, #c9a84c 80%, #b8860b 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.partner-audience__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.partner-audience__card {
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  border-radius: 16px;
  padding: 44px 32px;
  text-align: center;
  transition: all 0.45s var(--ease);
  position: relative;
  overflow: hidden;
}
.partner-audience__card::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
  opacity: 0;
  transition: opacity 0.45s var(--ease);
}
.partner-audience__card:hover {
  border-color: var(--gold-border);
  transform: translateY(-6px);
  box-shadow: 0 20px 60px rgba(201, 168, 76, 0.08);
}
.partner-audience__card:hover::after {
  opacity: 1;
}
.partner-audience__card-icon {
  width: 64px;
  height: 64px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--gold-dim);
  border: 1px solid var(--gold-border);
  border-radius: 50%;
  color: var(--gold);
  margin: 0 auto 24px;
  transition: all 0.45s var(--ease);
}
.partner-audience__card:hover .partner-audience__card-icon {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy);
}
.partner-audience__card-icon svg {
  width: 28px;
  height: 28px;
}
.partner-audience__card-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 24px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 12px;
}
.partner-audience__card-desc {
  font-size: 14px;
  line-height: 1.75;
  color: var(--white-65);
  margin-bottom: 24px;
}
.partner-audience__card-perks {
  text-align: left;
  list-style: none;
  padding: 0;
}
.partner-audience__card-perks li {
  font-size: 13px;
  color: var(--white-85);
  padding: 8px 0;
  border-top: 1px solid var(--white-10);
  padding-left: 24px;
  position: relative;
}
.partner-audience__card-perks li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold);
  opacity: 0.6;
}

/* --- Partner Quote --- */
.partner-quote {
  padding: 100px 0;
  background: var(--navy-light);
  border-top: 1px solid var(--white-10);
  border-bottom: 1px solid var(--white-10);
}
.partner-quote__inner {
  max-width: 760px;
  margin: 0 auto;
  text-align: center;
}
.partner-quote__stars {
  font-size: 24px;
  color: var(--gold);
  letter-spacing: 4px;
  margin-bottom: 28px;
}
.partner-quote__text {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(22px, 3vw, 30px);
  font-weight: 400;
  font-style: italic;
  line-height: 1.6;
  color: var(--white-85);
  margin-bottom: 28px;
}
.partner-quote__name {
  display: block;
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 4px;
}
.partner-quote__detail {
  display: block;
  font-size: 12px;
  color: var(--white-40);
  letter-spacing: 1px;
  text-transform: uppercase;
}

/* --- Partner Form --- */
.partner-form {
  padding: 120px 0;
}
.partner-form__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}
.partner-form__eyebrow {
  display: block;
  font-family: 'Inter', sans-serif;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
}
.partner-form__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(32px, 4vw, 44px);
  font-weight: 700;
  line-height: 1.15;
  color: var(--white);
  margin-bottom: 20px;
}
.partner-form__heading em {
  font-style: italic;
  background: linear-gradient(135deg, #b8860b 0%, #daa520 30%, #ffd700 55%, #c9a84c 80%, #b8860b 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.partner-form__desc {
  font-size: 15px;
  line-height: 1.8;
  color: var(--white-65);
  margin-bottom: 36px;
}
.partner-form__contact {
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.partner-form__contact-item {
  display: flex;
  align-items: center;
  gap: 16px;
}
.partner-form__contact-item svg {
  width: 22px;
  height: 22px;
  color: var(--gold);
  min-width: 22px;
}
.partner-form__contact-label {
  display: block;
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--white-40);
  margin-bottom: 2px;
}
.partner-form__contact-item a {
  font-size: 15px;
  color: var(--white-85);
  transition: color 0.3s var(--ease);
}
.partner-form__contact-item a:hover {
  color: var(--gold);
}

/* Form fields */
.partner-form__form {
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  border-radius: 16px;
  padding: 40px;
}
.partner-form__row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 16px;
}
.partner-form__field {
  margin-bottom: 16px;
}
.partner-form__field label {
  display: block;
  font-size: 12px;
  font-weight: 500;
  color: var(--white-65);
  letter-spacing: 0.5px;
  margin-bottom: 8px;
}
.partner-form__field input,
.partner-form__field select,
.partner-form__field textarea {
  width: 100%;
  padding: 14px 16px;
  background: var(--navy);
  border: 1px solid var(--white-10);
  border-radius: 10px;
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  transition: all 0.3s var(--ease);
  outline: none;
}
.partner-form__field input::placeholder,
.partner-form__field textarea::placeholder {
  color: var(--white-40);
}
.partner-form__field input:focus,
.partner-form__field select:focus,
.partner-form__field textarea:focus {
  border-color: var(--gold-border);
  box-shadow: 0 0 0 3px rgba(201, 168, 76, 0.1);
}
.partner-form__field select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 12 12' xmlns='http://www.w3.org/2000/svg'%3E%3Cpolyline points='2,4 6,8 10,4' fill='none' stroke='%23c9a84c' stroke-width='1.5'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  background-size: 14px;
  padding-right: 40px;
}
.partner-form__field select option {
  background: var(--navy-card);
  color: var(--white);
}
.partner-form__field textarea {
  resize: vertical;
  min-height: 100px;
}
.partner-form__submit {
  width: 100%;
  margin-top: 8px;
  justify-content: center;
}

/* --- Partner page responsive --- */
@media (max-width: 900px) {
  .partner-intro__grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .partner-intro__image { order: -1; }
  .partner-stats__grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
  }
  .partner-benefits__grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
  }
  .partner-audience__grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }
  .partner-form__grid {
    grid-template-columns: 1fr;
    gap: 48px;
  }
}
@media (max-width: 600px) {
  .partner-stats__grid {
    grid-template-columns: 1fr 1fr;
    gap: 24px;
  }
  .partner-benefits__grid {
    grid-template-columns: 1fr;
  }
  .partner-form__row {
    grid-template-columns: 1fr;
  }
  .partner-form__form {
    padding: 28px 24px;
  }
  .partner-process__timeline::before {
    left: 20px;
  }
  .partner-process__step-marker {
    width: 40px;
    height: 40px;
    min-width: 40px;
  }
  .partner-process__step-marker span {
    font-size: 18px;
  }
  .partner-process__step {
    gap: 20px;
  }
}


/* ═══════════════════════════════════════════════════
   PARTNERS PAGE — V2 COMPONENTS
   ═══════════════════════════════════════════════════ */

/* --- Process Sub (addition) --- */
.partner-process__sub {
  font-size: 15px;
  color: var(--white-65);
  margin-top: 12px;
}

/* --- Photo Strip — Full-bleed images --- */
.partner-strip {
  overflow: hidden;
}
.partner-strip__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}
.partner-strip__item {
  overflow: hidden;
  aspect-ratio: 4/3;
}
.partner-strip__item img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.8s var(--ease);
}
.partner-strip__item:hover img {
  transform: scale(1.08);
}

/* --- Did You Know — 3D Flip Cards --- */
.dyk {
  padding: 120px 0;
  background: var(--navy-light);
  border-top: 1px solid var(--white-10);
  border-bottom: 1px solid var(--white-10);
}
.dyk__header {
  text-align: center;
  margin-bottom: 64px;
}
.dyk__eyebrow {
  display: block;
  font-family: 'Inter', sans-serif;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}
.dyk__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(32px, 4vw, 48px);
  font-weight: 700;
  line-height: 1.15;
  color: var(--white);
  margin-bottom: 12px;
}
.dyk__sub {
  font-size: 14px;
  color: var(--white-40);
  letter-spacing: 0.5px;
}
.dyk__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  perspective: 1200px;
}
.dyk__card {
  position: relative;
  height: 320px;
  cursor: pointer;
  perspective: 1000px;
}
.dyk__card-inner {
  position: relative;
  width: 100%;
  height: 100%;
  transition: transform 0.7s cubic-bezier(0.4, 0.0, 0.2, 1);
  transform-style: preserve-3d;
}
.dyk__card.flipped .dyk__card-inner {
  transform: rotateY(180deg);
}
.dyk__card-front,
.dyk__card-back {
  position: absolute;
  inset: 0;
  backface-visibility: hidden;
  -webkit-backface-visibility: hidden;
  border-radius: 16px;
  border: 1px solid var(--white-10);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 32px 24px;
  text-align: center;
}
.dyk__card-front {
  background: var(--navy-card);
  transition: border-color 0.45s var(--ease), box-shadow 0.45s var(--ease);
}
.dyk__card:hover .dyk__card-front {
  border-color: var(--gold-border);
  box-shadow: 0 16px 48px rgba(201, 168, 76, 0.1);
}
.dyk__card-back {
  background: linear-gradient(135deg, #14192e 0%, #0c1225 100%);
  border-color: var(--gold-border);
  transform: rotateY(180deg);
  padding: 36px 28px;
}
.dyk__card-back p {
  font-size: 14px;
  line-height: 1.8;
  color: var(--white-85);
}
.dyk__card-icon {
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  margin-bottom: 20px;
  opacity: 0.7;
}
.dyk__card-icon svg {
  width: 32px;
  height: 32px;
}
.dyk__card-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(40px, 5vw, 56px);
  font-weight: 700;
  line-height: 1;
  margin-bottom: 12px;
}
.dyk__card-label {
  font-size: 13px;
  font-weight: 500;
  color: var(--white-65);
  letter-spacing: 0.5px;
  margin-bottom: 16px;
}
.dyk__card-tap {
  font-size: 11px;
  color: var(--gold);
  letter-spacing: 1.5px;
  text-transform: uppercase;
  opacity: 0.6;
  transition: opacity 0.3s var(--ease);
}
.dyk__card:hover .dyk__card-tap {
  opacity: 1;
}

/* --- Photo Break — Cinematic quote overlay --- */
.partner-photo-break {
  position: relative;
  height: 500px;
  overflow: hidden;
}
.partner-photo-break__img {
  position: absolute;
  inset: 0;
}
.partner-photo-break__img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.partner-photo-break__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to right, rgba(10, 15, 30, 0.92) 0%, rgba(10, 15, 30, 0.7) 50%, rgba(10, 15, 30, 0.4) 100%);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: center;
  padding: 0 max(48px, 8vw);
}
.partner-photo-break__quote {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(22px, 3vw, 32px);
  font-weight: 400;
  font-style: italic;
  line-height: 1.6;
  color: var(--white-85);
  max-width: 640px;
  margin-bottom: 20px;
}
.partner-photo-break__name {
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 1px;
}

/* --- Partner Bring — Side-by-side columns --- */
.partner-bring {
  padding: 120px 0;
}
.partner-bring__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
}
.partner-bring__col {
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  border-radius: 20px;
  padding: 48px 40px;
  transition: border-color 0.45s var(--ease);
}
.partner-bring__col:hover {
  border-color: var(--gold-border);
}
.partner-bring__col--alt {
  background: linear-gradient(135deg, rgba(201, 168, 76, 0.04), rgba(12, 18, 37, 1));
}
.partner-bring__col-header {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 36px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--white-10);
}
.partner-bring__col-icon {
  width: 48px;
  height: 48px;
  min-width: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--gold-dim);
  border: 1px solid var(--gold-border);
  border-radius: 12px;
  color: var(--gold);
}
.partner-bring__col-icon svg {
  width: 24px;
  height: 24px;
}
.partner-bring__col-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 24px;
  font-weight: 700;
  color: var(--white);
}
.partner-bring__list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.partner-bring__list li {
  padding: 16px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.partner-bring__list li:last-child {
  border-bottom: none;
}
.partner-bring__list li strong {
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  font-weight: 600;
  color: var(--white);
}
.partner-bring__list li span {
  font-size: 13px;
  line-height: 1.65;
  color: var(--white-65);
}

/* --- Partner Mosaic — Image grid --- */
.partner-mosaic {
  overflow: hidden;
}
.partner-mosaic__grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  grid-template-rows: 260px 260px;
  gap: 4px;
}
.partner-mosaic__item {
  overflow: hidden;
}
.partner-mosaic__item img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.8s var(--ease);
}
.partner-mosaic__item:hover img {
  transform: scale(1.06);
}
.partner-mosaic__item--tall {
  grid-row: span 2;
}
.partner-mosaic__item--wide {
  grid-column: span 2;
}

/* --- Audience Card Images (v2) --- */
.partner-audience__card-img {
  height: 200px;
  margin: -44px -32px 24px -32px;
  overflow: hidden;
  border-radius: 16px 16px 0 0;
}
.partner-audience__card-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.8s var(--ease);
}
.partner-audience__card:hover .partner-audience__card-img img {
  transform: scale(1.06);
}
.partner-audience__card-body {
  text-align: left;
}

/* --- Partner Signup — Multi-step Wizard --- */
.partner-signup {
  padding: 120px 0;
  background: var(--navy-light);
  border-top: 1px solid var(--white-10);
}
.partner-signup__header {
  text-align: center;
  margin-bottom: 48px;
}
.partner-signup__eyebrow {
  display: block;
  font-family: 'Inter', sans-serif;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}
.partner-signup__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(32px, 4vw, 48px);
  font-weight: 700;
  line-height: 1.15;
  color: var(--white);
  margin-bottom: 12px;
}
.partner-signup__heading em {
  font-style: italic;
  background: linear-gradient(135deg, #b8860b 0%, #daa520 30%, #ffd700 55%, #c9a84c 80%, #b8860b 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.partner-signup__sub {
  font-size: 15px;
  color: var(--white-65);
}
.partner-signup__wizard {
  max-width: 720px;
  margin: 0 auto;
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  border-radius: 20px;
  padding: 48px 40px;
  overflow: hidden;
}

/* Progress bar */
.partner-signup__progress {
  margin-bottom: 40px;
  position: relative;
}
.partner-signup__progress-bar {
  position: absolute;
  top: 0;
  left: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), #ffd700);
  border-radius: 3px;
  transition: width 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}
.partner-signup__progress-steps {
  display: flex;
  justify-content: space-between;
  padding-top: 16px;
}
.partner-signup__progress-step {
  font-size: 12px;
  font-weight: 500;
  color: var(--white-40);
  transition: color 0.3s var(--ease);
}
.partner-signup__progress-step.active {
  color: var(--gold);
}
.partner-signup__progress-step.completed {
  color: var(--white-65);
}

/* Wizard steps */
.partner-signup__step {
  display: none;
}
.partner-signup__step.active {
  display: block;
  animation: wizFadeIn 0.4s ease forwards;
}
@keyframes wizFadeIn {
  from { opacity: 0; transform: translateY(12px); }
  to   { opacity: 1; transform: translateY(0); }
}
.partner-signup__step-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 28px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 28px;
  text-align: center;
}

/* Role selection cards */
.partner-signup__cards {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}
.partner-signup__card {
  background: var(--navy);
  border: 2px solid var(--white-10);
  border-radius: 16px;
  padding: 28px 20px;
  text-align: center;
  cursor: pointer;
  transition: all 0.35s var(--ease);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  font-family: 'Inter', sans-serif;
  color: var(--white);
}
.partner-signup__card:hover {
  border-color: var(--gold-border);
  background: rgba(201, 168, 76, 0.06);
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(201, 168, 76, 0.08);
}
.partner-signup__card.selected {
  border-color: var(--gold);
  background: rgba(201, 168, 76, 0.1);
  box-shadow: 0 0 0 1px var(--gold), 0 12px 32px rgba(201, 168, 76, 0.12);
}
.partner-signup__card-icon {
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  opacity: 0.7;
}
.partner-signup__card-icon svg {
  width: 28px;
  height: 28px;
}
.partner-signup__card.selected .partner-signup__card-icon {
  opacity: 1;
}
.partner-signup__card-title {
  font-size: 15px;
  font-weight: 600;
  color: var(--white);
}
.partner-signup__card-desc {
  font-size: 12px;
  color: var(--white-40);
  line-height: 1.4;
}

/* Wizard form fields */
.partner-signup__fields {
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.partner-signup__row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.partner-signup__field label {
  display: block;
  font-size: 12px;
  font-weight: 500;
  color: var(--white-65);
  letter-spacing: 0.5px;
  margin-bottom: 8px;
}
.partner-signup__field input,
.partner-signup__field textarea {
  width: 100%;
  padding: 14px 16px;
  background: var(--navy);
  border: 1px solid var(--white-10);
  border-radius: 10px;
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  transition: all 0.3s var(--ease);
  outline: none;
}
.partner-signup__field input::placeholder,
.partner-signup__field textarea::placeholder {
  color: var(--white-40);
}
.partner-signup__field input:focus,
.partner-signup__field textarea:focus {
  border-color: var(--gold-border);
  box-shadow: 0 0 0 3px rgba(201, 168, 76, 0.1);
}
.partner-signup__field textarea {
  resize: vertical;
  min-height: 80px;
}

/* Toggle group */
.partner-signup__toggle-group {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}
.partner-signup__toggle {
  padding: 10px 20px;
  background: var(--navy);
  border: 1px solid var(--white-10);
  border-radius: 100px;
  color: var(--white-65);
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  cursor: pointer;
  transition: all 0.3s var(--ease);
}
.partner-signup__toggle:hover {
  border-color: var(--gold-border);
  color: var(--white);
}
.partner-signup__toggle.selected {
  background: rgba(201, 168, 76, 0.15);
  border-color: var(--gold);
  color: var(--gold);
}

/* Wizard navigation */
.partner-signup__nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
}
.partner-signup__back {
  background: none;
  border: none;
  color: var(--white-40);
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  cursor: pointer;
  padding: 10px 16px;
  transition: color 0.3s var(--ease);
}
.partner-signup__back:hover {
  color: var(--white);
}
.partner-signup__next,
.partner-signup__submit {
  display: inline-flex;
  align-items: center;
}

/* Success state */
.partner-signup__success {
  text-align: center;
  padding: 40px 0;
}
.partner-signup__success-icon {
  width: 80px;
  height: 80px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(201, 168, 76, 0.15);
  border: 2px solid var(--gold);
  border-radius: 50%;
  color: var(--gold);
  margin: 0 auto 24px;
  animation: wizSuccessPulse 0.6s ease;
}
.partner-signup__success-icon svg {
  width: 36px;
  height: 36px;
}
@keyframes wizSuccessPulse {
  0%   { transform: scale(0.6); opacity: 0; }
  60%  { transform: scale(1.1); }
  100% { transform: scale(1);   opacity: 1; }
}
.partner-signup__success-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 36px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 12px;
}
.partner-signup__success-desc {
  font-size: 15px;
  color: var(--white-65);
  line-height: 1.7;
  max-width: 480px;
  margin: 0 auto 28px;
}

/* --- Partners V2 — Responsive --- */
@media (max-width: 1024px) {
  .dyk__grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .dyk__card {
    height: 280px;
  }
}
@media (max-width: 900px) {
  .partner-bring__grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }
  .partner-bring__col {
    padding: 36px 28px;
  }
  .partner-strip__grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .partner-mosaic__grid {
    grid-template-columns: 1fr 1fr;
    grid-template-rows: 200px 200px 200px;
  }
  .partner-mosaic__item--tall {
    grid-row: span 2;
  }
  .partner-mosaic__item--wide {
    grid-column: span 2;
  }
  .partner-photo-break {
    height: 400px;
  }
  .partner-signup__wizard {
    padding: 36px 28px;
  }
}
@media (max-width: 600px) {
  .dyk__grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }
  .dyk__card {
    height: 260px;
  }
  .partner-strip__grid {
    grid-template-columns: 1fr 1fr;
    grid-template-rows: auto auto;
  }
  .partner-photo-break {
    height: 360px;
  }
  .partner-photo-break__overlay {
    padding: 0 24px;
  }
  .partner-mosaic__grid {
    grid-template-columns: 1fr;
    grid-template-rows: auto;
  }
  .partner-mosaic__item--tall,
  .partner-mosaic__item--wide {
    grid-row: span 1;
    grid-column: span 1;
  }
  .partner-mosaic__item {
    height: 220px;
  }
  .partner-signup__cards {
    grid-template-columns: 1fr;
  }
  .partner-signup__row {
    grid-template-columns: 1fr;
  }
  .partner-signup__wizard {
    padding: 28px 20px;
  }
  .partner-signup__toggle-group {
    flex-direction: column;
  }
  .partner-signup__toggle {
    text-align: center;
  }
  .partner-audience__card-img {
    height: 160px;
  }
}

/* ═══════════════════════════════════════════════════
   MOBILE POLISH PASS — Blog, Apply, Footer
   ═══════════════════════════════════════════════════ */
.footer__action-card {
  margin-top: 26px;
  padding: 22px;
  border: 1px solid rgba(201,168,76,0.18);
  background: rgba(255,255,255,0.035);
  border-radius: 8px;
}

.footer__action-label {
  display: block;
  margin-bottom: 8px;
  font-size: 10px;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

.footer__action-card strong {
  display: block;
  color: var(--white-85);
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  line-height: 1.15;
  font-weight: 700;
}

.footer__action-links {
  display: flex;
  gap: 10px;
  margin-top: 18px;
}

.footer__action-links a {
  flex: 1;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 40px;
  border: 1px solid var(--white-10);
  background: rgba(201,168,76,0.06);
  color: var(--white-85);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  transition: border-color 0.25s, background 0.25s, color 0.25s;
}

.footer__action-links a:hover,
.footer__action-links a:focus-visible {
  border-color: var(--gold);
  background: rgba(201,168,76,0.14);
  color: var(--gold);
}

.footer__compliance-card {
  padding: 18px;
  border: 1px solid rgba(255,255,255,0.10);
  background: rgba(255,255,255,0.025);
  border-radius: 8px;
}

.footer__compliance-card p {
  color: var(--white-55);
  font-size: 13px;
  line-height: 1.65;
}

.footer__compliance-card dl {
  display: grid;
  gap: 10px;
  margin: 14px 0;
}

.footer__compliance-card div {
  display: grid;
  gap: 3px;
  padding-top: 10px;
  border-top: 1px solid rgba(255,255,255,0.07);
}

.footer__compliance-card dt {
  color: var(--gold);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.footer__compliance-card dd {
  color: var(--white-85);
  font-size: 13px;
  line-height: 1.5;
}

@media (max-width: 768px) {
  .page-hero {
    height: auto;
    min-height: auto;
    padding: 96px 0 44px;
    align-items: flex-start;
  }

  .page-hero__content {
    padding: 0 20px;
  }

  .page-hero__heading {
    font-size: 34px;
    line-height: 1.08;
  }

  .page-hero__intro {
    font-size: 15px;
    line-height: 1.65;
    margin-top: 16px;
  }

  .page-hero__stats {
    gap: 8px;
    margin-top: 18px;
    justify-content: center;
  }

  .page-hero__stat {
    padding: 7px 14px;
    font-size: 10px;
    line-height: 1.3;
  }

  .blog-feature {
    padding: 36px 0 0;
  }

  .blog-feature__card {
    border-radius: 8px;
    overflow: hidden;
  }

  .blog-feature__image img {
    min-height: 210px;
    max-height: 260px;
  }

  .blog-feature__body {
    padding: 24px 20px;
  }

  .blog-feature__title {
    font-size: 28px;
    line-height: 1.08;
  }

  .blog-feature__excerpt {
    font-size: 14px;
    line-height: 1.65;
  }

  .blog-grid {
    padding: 48px 0 56px;
  }

  .blog-grid__header {
    gap: 18px;
    margin-bottom: 24px;
  }

  .blog-grid__heading {
    font-size: 30px;
    line-height: 1.1;
  }

  .blog-grid__controls {
    width: 100%;
    gap: 10px;
  }

  .blog-grid__search {
    width: 100%;
    min-width: 0;
    border-radius: 8px;
  }

  .blog-grid__filters {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 22px;
    justify-content: center;
  }

  .blog-grid__filter {
    padding: 7px 14px;
    font-size: 10px;
    line-height: 1.2;
    border-radius: 100px;
  }

  .blog-grid__grid {
    gap: 16px;
  }

  .blog-grid__card {
    border-radius: 8px;
  }

  .blog-grid__card-img {
    height: 180px;
  }

  .blog-grid__card-body {
    padding: 20px;
  }

  .blog-grid__card-title {
    font-size: 22px;
    line-height: 1.12;
  }

  .blog-grid__card-excerpt {
    font-size: 14px;
    line-height: 1.6;
  }

  .blog-highlights {
    padding: 0 0 56px;
  }

  .blog-highlights__panel {
    padding: 24px 20px;
    border-radius: 8px;
  }

  .blog-highlights__title {
    font-size: 27px;
    line-height: 1.08;
  }

  .blog-highlights__item {
    align-items: flex-start;
    gap: 10px;
  }

  .blog-highlights__meta {
    align-self: flex-start;
  }

  .blog-post__header,
  .blog-post__stage .blog-post__header {
    padding: 92px 20px 28px;
  }

  .blog-post__title {
    font-size: 34px;
    line-height: 1.08;
  }

  .blog-post__meta {
    display: grid;
    gap: 4px;
    font-size: 12px;
    letter-spacing: 0.02em;
  }

  .blog-post__content {
    display: block;
    padding: 0;
  }

  .blog-post__content .blog-post__hero-img,
  .blog-post__hero-img {
    padding: 0 20px;
    margin-bottom: 28px;
  }

  .blog-post__hero-img img {
    border-radius: 8px;
    max-height: 260px;
    object-fit: cover;
  }

  .blog-post__content .blog-post__body,
  .blog-post__body {
    max-width: none;
    padding: 0 20px 40px;
  }

  .blog-post__body p,
  .blog-post__body li {
    font-size: 16px;
    line-height: 1.72;
  }

  .blog-post__body h2 {
    margin: 38px 0 14px;
    font-size: 27px;
  }

  .blog-post__body h3 {
    margin: 28px 0 12px;
    font-size: 21px;
  }

  .blog-post__pullquote,
  .blog-post__inline-cta,
  .blog-post__helpful {
    margin: 28px 0;
    border-radius: 8px;
    padding: 22px 20px;
  }

  .blog-post__pullquote p {
    font-size: 21px;
  }

  .blog-post__content .blog-post__author,
  .blog-post__author {
    margin: 0 20px;
    padding: 24px 0;
  }

  .blog-post__content .blog-post__related,
  .blog-post__related {
    padding: 44px 20px 56px;
  }

  .wizard {
    min-height: auto;
    padding: 78px 16px 42px;
  }

  .wizard__inner {
    gap: 24px;
  }

  .wizard__progress {
    margin: 0 0 18px;
  }

  .wizard__progress-steps {
    display: none;
  }

  .wizard__step-header {
    margin-bottom: 24px;
  }

  .wizard__step-title {
    font-size: 30px;
    line-height: 1.08;
  }

  .wizard__step-sub {
    font-size: 14px;
    line-height: 1.6;
  }

  .wizard__cards,
  .wizard__cards--2x2,
  .wizard__cards--2col,
  .wizard__cards--3col,
  .wizard__cards--4col {
    grid-template-columns: 1fr;
    gap: 12px;
    margin-bottom: 22px;
  }

  .wizard__card,
  .wizard__card--compact {
    align-items: flex-start;
    min-height: auto;
    padding: 18px 16px;
    text-align: left;
  }

  .wizard__card-title,
  .wizard__card--compact .wizard__card-title {
    font-size: 19px;
    margin-bottom: 4px;
  }

  .wizard__field,
  .wizard__conditional {
    margin-bottom: 18px;
  }

  .wizard__field-row,
  .wizard__field-row--3,
  .wizard__field-row--4 {
    grid-template-columns: 1fr;
    gap: 16px;
    margin-bottom: 20px;
  }

  .wizard__field-row > .wizard__field {
    margin-bottom: 0;
  }

  .wizard__toggle-group,
  .wizard__radio-group {
    flex-direction: column;
    gap: 10px;
  }

  .wizard__next-btn,
  .wizard__submit-btn {
    margin-top: 24px;
    min-height: 50px;
    padding: 14px 18px;
    font-size: 12px;
    line-height: 1.3;
  }

  .wizard__back {
    margin-top: 22px;
  }

  .wizard__review {
    padding: 18px;
  }

  .wizard__summary-row,
  .wizard__review-row {
    align-items: flex-start;
    gap: 4px;
  }

  .footer {
    background:
      linear-gradient(180deg, rgba(201,168,76,0.08) 0%, rgba(201,168,76,0) 18%),
      #070d19;
  }

  .footer__top {
    padding: 52px 0 34px;
  }

  .footer__grid {
    gap: 26px;
  }

  .footer__heading {
    margin-bottom: 14px;
  }

  .footer__tagline {
    max-width: none;
    font-size: 14px;
  }

  .footer__action-card,
  .footer__compliance-card {
    padding: 18px;
  }

  .footer__action-card strong {
    font-size: 21px;
  }

  .footer__action-links,
  .footer__compliance-links {
    flex-direction: column;
  }

  .footer__action-links a,
  .footer__compliance-links a {
    width: 100%;
  }

  .footer__links {
    gap: 9px;
  }

  .footer__bottom-inner {
    align-items: flex-start;
    gap: 16px;
  }
}

@media (max-width: 380px) {
  .nav__logo {
    font-size: 14px;
  }

  .page-hero__heading,
  .blog-post__title {
    font-size: 30px;
  }

  .wizard__step-title {
    font-size: 27px;
  }

  .blog-grid__filters {
    gap: 6px;
  }
}

/* ═══════════════════════════════════════════════════
   WIZARD TRUST BANNER
   ═══════════════════════════════════════════════════ */
.wizard-trust-banner {
  background: rgba(201, 168, 76, 0.04);
  border-bottom: 1px solid rgba(201, 168, 76, 0.12);
  padding: 80px 0 14px;
}

.wizard-trust-banner__inner {
  max-width: 780px;
  margin: 0 auto;
  display: flex;
  justify-content: center;
  gap: 32px;
  padding: 0 20px;
}

.wizard-trust-banner__item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.55);
  letter-spacing: 0.02em;
}

.wizard-trust-banner__item svg {
  flex-shrink: 0;
  color: var(--gold);
  width: 16px;
  height: 16px;
}

@media (max-width: 768px) {
  .wizard-trust-banner__inner {
    flex-direction: column;
    gap: 10px;
    align-items: center;
  }

  .wizard-trust-banner__item {
    font-size: 11px;
  }
}

/* ═══════════════════════════════════════════════════
   V4 — HERO PATHWAY CARDS
   ═══════════════════════════════════════════════════ */
.hero__pathways {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 36px;
  max-width: 420px;
  opacity: 0;
  animation: fadeUp 0.8s ease 0.55s forwards;
}

.hero__pathway-card {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px 18px;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid var(--white-10);
  border-radius: 10px;
  transition: all 0.35s var(--ease);
  color: var(--white-85);
  font-size: 13px;
  font-weight: 400;
  line-height: 1.35;
}

.hero__pathway-card:hover {
  border-color: var(--gold-border);
  background: rgba(201, 168, 76, 0.08);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.2);
}

.hero__pathway-icon {
  width: 22px;
  height: 22px;
  flex-shrink: 0;
  color: var(--gold);
  opacity: 0.7;
}

.hero__pathway-card:hover .hero__pathway-icon {
  opacity: 1;
}

.hero__pathway-title {
  flex: 1;
}

/* ═══════════════════════════════════════════════════
   V4 — 6-STAGE PROCESS (Numbered Steps)
   ═══════════════════════════════════════════════════ */
.process__track--6 {
  grid-template-columns: repeat(3, 1fr);
  gap: 40px 32px;
}

.process__track--6::before {
  display: none;
}

.process__step-num {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  font-family: 'Cormorant Garamond', serif;
  font-size: 20px;
  font-weight: 700;
  color: var(--gold);
  background: var(--gold-dim);
  border: 1px solid var(--gold-border);
  position: relative;
  z-index: 1;
}

/* ═══════════════════════════════════════════════════
   V4 — PROOF SECTION
   ═══════════════════════════════════════════════════ */
.proof {
  padding: 120px 0;
  background: var(--navy-light);
  border-top: 1px solid var(--white-10);
}

.proof__header {
  text-align: center;
  margin-bottom: 56px;
}

.proof__eyebrow {
  display: block;
  font-family: 'Inter', sans-serif;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.proof__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(28px, 2.8vw, 40px);
  font-weight: 700;
  line-height: 1.15;
  margin-bottom: 14px;
}

.proof__sub {
  font-size: 15px;
  font-weight: 300;
  color: var(--white-45);
  max-width: 500px;
  margin: 0 auto;
}

/* Deliverables grid */
.proof__deliverables {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  max-width: 900px;
  margin: 0 auto 80px;
}

.proof__deliverable {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 18px 20px;
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  border-radius: 10px;
}

.proof__deliverable svg {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  color: var(--gold);
}

.proof__deliverable span {
  font-size: 14px;
  font-weight: 400;
  color: var(--white-85);
  line-height: 1.4;
}

/* Scenarios */
.proof__scenarios {
  margin-bottom: 80px;
}

.proof__scenarios-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(24px, 2vw, 32px);
  font-weight: 700;
  text-align: center;
  margin-bottom: 8px;
}

.proof__scenarios-note {
  font-size: 13px;
  font-weight: 300;
  color: var(--white-40);
  text-align: center;
  margin-bottom: 40px;
  font-style: italic;
}

.proof__scenario-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.proof__scenario {
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  border-radius: 14px;
  padding: 32px 28px;
  transition: border-color 0.35s var(--ease);
}

.proof__scenario:hover {
  border-color: var(--gold-border);
}

.proof__scenario-badge {
  display: inline-block;
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--gold);
  background: var(--gold-dim);
  border: 1px solid var(--gold-border);
  padding: 5px 14px;
  border-radius: 100px;
  margin-bottom: 18px;
}

.proof__scenario-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 12px;
  color: var(--white);
}

.proof__scenario-desc {
  font-size: 14px;
  font-weight: 300;
  color: var(--white-55);
  line-height: 1.7;
}

/* Featured Video */
.proof__video {
  margin-bottom: 80px;
}

.proof__video-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(24px, 2vw, 32px);
  font-weight: 700;
  text-align: center;
  margin-bottom: 32px;
}

/* Reviews Strip */
.proof__reviews-strip {
  border-top: 1px solid var(--white-10);
  padding-top: 40px;
}

.proof__reviews-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 500;
  color: var(--white-40);
  letter-spacing: 0.5px;
  margin-bottom: 24px;
}

.proof__reviews-badge svg {
  width: 16px;
  height: 16px;
  color: var(--gold);
}

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

.proof__review-card {
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  border-radius: 10px;
  padding: 24px;
}

.proof__review-stars {
  color: var(--gold);
  font-size: 14px;
  letter-spacing: 2px;
  margin-bottom: 12px;
}

.proof__review-card p {
  font-size: 14px;
  font-weight: 300;
  color: var(--white-65);
  line-height: 1.65;
  margin-bottom: 14px;
  font-style: italic;
}

.proof__review-name {
  font-size: 13px;
  font-weight: 500;
  color: var(--white-85);
}

/* ═══════════════════════════════════════════════════
   V4 — VIDEO EMBED COMPONENT
   ═══════════════════════════════════════════════════ */
.video-embed {
  background: var(--navy-card);
  border: 1px solid var(--white-10);
  border-top: 3px solid var(--gold-border);
  border-radius: 14px;
  overflow: hidden;
  transition: border-color 0.35s var(--ease);
}

.video-embed:hover {
  border-color: var(--gold-border);
}

.video-embed__frame {
  position: relative;
  width: 100%;
  padding-bottom: 56.25%; /* 16:9 */
  background: var(--navy-dark);
}

.video-embed__frame iframe {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  border: 0;
}

.video-embed__caption {
  padding: 20px 24px;
}

.video-embed__caption h3,
.video-embed__caption h4 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 6px;
}

.video-embed__caption p {
  font-size: 14px;
  font-weight: 300;
  color: var(--white-55);
  line-height: 1.6;
}

/* Featured (larger) variant */
.video-embed--featured {
  max-width: 800px;
  margin: 0 auto;
}

/* Video grid for multiple embeds */
.video-embed-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

.video-embed-grid--3 {
  grid-template-columns: repeat(3, 1fr);
}

/* ═══════════════════════════════════════════════════
   V4 — RESPONSIVE ADDITIONS
   ═══════════════════════════════════════════════════ */
@media (max-width: 1024px) {
  .proof__deliverables {
    grid-template-columns: repeat(2, 1fr);
  }
  .proof__scenario-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .proof__scenario:last-child {
    grid-column: span 2;
    max-width: 480px;
    justify-self: center;
  }
  .video-embed-grid--3 {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 900px) {
  .hero__pathways {
    max-width: 100%;
  }
  .process__track--6 {
    grid-template-columns: repeat(2, 1fr);
    gap: 32px 24px;
  }
}

@media (max-width: 768px) {
  .hero__pathways {
    grid-template-columns: 1fr;
    gap: 10px;
    margin-bottom: 28px;
  }
  .hero__pathway-card {
    padding: 12px 16px;
    font-size: 13px;
  }
  .process__track--6 {
    grid-template-columns: repeat(2, 1fr);
    gap: 28px 20px;
  }
  .process__step-num {
    width: 40px;
    height: 40px;
    font-size: 18px;
    margin-bottom: 14px;
  }
  .proof {
    padding: 80px 0;
  }
  .proof__deliverables {
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin-bottom: 56px;
  }
  .proof__deliverable {
    padding: 14px 16px;
  }
  .proof__deliverable span {
    font-size: 13px;
  }
  .proof__scenario-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }
  .proof__scenario:last-child {
    grid-column: span 1;
    max-width: none;
  }
  .proof__scenario {
    padding: 24px 20px;
  }
  .proof__reviews-cards {
    grid-template-columns: 1fr;
    gap: 12px;
  }
  .proof__review-card {
    padding: 20px;
  }
  .video-embed--featured {
    max-width: 100%;
  }
  .video-embed__caption {
    padding: 16px 20px;
  }
  .video-embed-grid {
    grid-template-columns: 1fr;
  }
  .video-embed-grid--3 {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 600px) {
  .hero__pathways {
    gap: 8px;
  }
  .hero__pathway-card {
    padding: 11px 14px;
    font-size: 12px;
    gap: 10px;
  }
  .hero__pathway-icon {
    width: 18px;
    height: 18px;
  }
  .process__track--6 {
    grid-template-columns: 1fr;
    gap: 24px;
  }
  .proof__deliverables {
    grid-template-columns: 1fr;
  }
  .proof__scenarios {
    margin-bottom: 56px;
  }
  .proof__video {
    margin-bottom: 56px;
  }
}

/* ═══════════════════════════════════════════════════
   V4 — PHASE 2 PRODUCT HUB + CALCULATOR UPGRADES
   ═══════════════════════════════════════════════════ */
.svc-route {
  padding: 112px 0;
  background:
    radial-gradient(circle at 12% 8%, rgba(201,168,76,0.12), transparent 28%),
    linear-gradient(180deg, var(--navy) 0%, var(--navy-light) 100%);
}

.svc-route--resources {
  background: var(--navy);
  padding-top: 96px;
}

.svc-route__header {
  max-width: 760px;
  margin: 0 auto 48px;
  text-align: center;
}

.svc-route__grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
}

.svc-route__grid--3 {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.svc-route__card {
  position: relative;
  display: flex;
  flex-direction: column;
  min-height: 360px;
  padding: 30px;
  color: var(--white);
  text-decoration: none;
  background: rgba(255,255,255,0.035);
  border: 1px solid var(--white-10);
  border-radius: 22px;
  overflow: hidden;
  transition: transform 0.35s var(--ease), border-color 0.35s var(--ease), background 0.35s var(--ease);
}

.svc-route__card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(201,168,76,0.16), transparent 42%);
  opacity: 0;
  transition: opacity 0.35s var(--ease);
}

.svc-route__card:hover,
.svc-route__card:focus-visible {
  transform: translateY(-6px);
  border-color: var(--gold-border);
  background: rgba(255,255,255,0.055);
  outline: none;
}

.svc-route__card:hover::before,
.svc-route__card:focus-visible::before {
  opacity: 1;
}

.svc-route__card--compact {
  min-height: 300px;
}

.svc-route__icon {
  position: relative;
  z-index: 1;
  width: 56px;
  height: 56px;
  display: grid;
  place-items: center;
  border-radius: 18px;
  background: rgba(201,168,76,0.1);
  border: 1px solid var(--gold-border);
  color: var(--gold);
  margin-bottom: 28px;
}

.svc-route__icon svg {
  width: 26px;
  height: 26px;
}

.svc-route__title {
  position: relative;
  z-index: 1;
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(25px, 2vw, 34px);
  line-height: 1.05;
  font-weight: 700;
  margin-bottom: 16px;
}

.svc-route__desc {
  position: relative;
  z-index: 1;
  font-size: 14px;
  font-weight: 300;
  line-height: 1.75;
  color: var(--white-55);
  margin-bottom: 32px;
}

.svc-route__link {
  position: relative;
  z-index: 1;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin-top: auto;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
}

.svc-route__link svg {
  width: 18px;
  height: 10px;
  stroke: currentColor;
  fill: none;
  stroke-width: 1.5;
  transition: transform 0.35s var(--ease);
}

.svc-route__card:hover .svc-route__link svg,
.svc-route__card:focus-visible .svc-route__link svg {
  transform: translateX(4px);
}

.calc__result--breakdown {
  gap: 14px;
}

.calc__breakdown {
  width: 100%;
  display: grid;
  gap: 10px;
  margin: 10px 0 8px;
}

.calc__breakdown div {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 11px 0;
  border-bottom: 1px solid var(--white-10);
  font-size: 13px;
  color: var(--white-55);
}

.calc__breakdown div:last-child {
  border-bottom: none;
}

.calc__breakdown strong {
  color: var(--white);
  font-weight: 600;
}

.calc__results-row--stack {
  grid-template-columns: 1fr;
}

.calc__results-row--stack .calc__result--secondary {
  padding: 26px 22px;
}

.calc__results-row--stack .calc__result-amount {
  font-size: clamp(28px, 3vw, 38px);
}

@media (max-width: 1200px) {
  .svc-route__grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  .svc-route__grid--3 {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
  .tool-tabs__inner {
    max-width: 100%;
    justify-content: flex-start;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
  }
  .tool-tabs__tab {
    flex: 0 0 auto;
  }
}

@media (max-width: 900px) {
  .svc-route {
    padding: 84px 0;
  }
  .svc-route__grid,
  .svc-route__grid--3 {
    grid-template-columns: 1fr;
  }
  .svc-route__card,
  .svc-route__card--compact {
    min-height: auto;
    padding: 26px;
  }
  .svc-route__card--image {
    padding: 0;
  }
  .calc__body {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 600px) {
  .svc-route {
    padding: 68px 0;
  }
  .svc-route__card {
    border-radius: 18px;
  }
  .svc-route__icon {
    width: 48px;
    height: 48px;
    border-radius: 15px;
    margin-bottom: 22px;
  }
  .tool-tabs {
    top: 64px;
  }
  .tool-tabs__tab {
    padding: 13px 14px;
    font-size: 8px;
    letter-spacing: 0.1em;
  }
  .calc__inputs {
    grid-template-columns: 1fr;
  }
  .calc__results-row {
    grid-template-columns: 1fr;
  }
  .calc__result-amount {
    font-size: 44px;
  }
}

/* ═══════════════════════════════════════════════════
   CALCULATOR V2 — Donut Chart, Sliders, Breakdown
   ═══════════════════════════════════════════════════ */

.calc__field--full {
  grid-column: 1 / -1;
}

.calc__slider {
  width: 100%;
  height: 4px;
  -webkit-appearance: none;
  appearance: none;
  background: var(--white-10);
  border-radius: 2px;
  outline: none;
  margin-top: 6px;
  cursor: pointer;
}
.calc__slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--gold);
  border: 2px solid var(--navy);
  cursor: pointer;
  box-shadow: 0 0 8px rgba(200,170,110,0.4);
  transition: transform 0.15s;
}
.calc__slider::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}
.calc__slider::-moz-range-thumb {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--gold);
  border: 2px solid var(--navy);
  cursor: pointer;
  box-shadow: 0 0 8px rgba(200,170,110,0.4);
}
.calc__slider::-moz-range-track {
  height: 4px;
  background: var(--white-10);
  border-radius: 2px;
}

.calc__result-v2 {
  background: var(--navy-card);
  border: 1px solid var(--gold-border);
  padding: 36px 32px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
}

.calc__result-v2 .calc__result-label {
  margin-bottom: 0;
}

.calc__result-v2 .calc__result-amount {
  font-size: clamp(40px, 4vw, 52px);
  margin-bottom: 4px;
}

.calc__donut-wrap {
  display: flex;
  align-items: center;
  gap: 32px;
  width: 100%;
  margin: 16px 0 8px;
}

.calc__donut-chart {
  flex-shrink: 0;
  width: 160px;
  height: 160px;
}

.calc__donut-chart svg {
  width: 100%;
  height: 100%;
  transform: rotate(-90deg);
}

.calc__donut-chart circle {
  fill: none;
  stroke-width: 28;
  transition: stroke-dasharray 0.5s ease, stroke-dashoffset 0.5s ease;
}

.calc__donut-legend {
  display: grid;
  gap: 10px;
  flex: 1;
}

.calc__legend-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  font-size: 13px;
  color: var(--white-55);
}

.calc__legend-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  flex-shrink: 0;
}

.calc__legend-label {
  display: flex;
  align-items: center;
  gap: 8px;
  flex: 1;
}

.calc__legend-value {
  font-weight: 600;
  color: var(--white);
  font-size: 14px;
  white-space: nowrap;
}

.calc__amort-toggle {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  width: 100%;
  background: none;
  border: 1px solid var(--white-10);
  color: var(--white-55);
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 12px 20px;
  cursor: pointer;
  transition: all 0.3s;
  margin-top: 12px;
}
.calc__amort-toggle:hover {
  border-color: var(--gold-border);
  color: var(--gold);
}
.calc__amort-toggle svg {
  width: 14px;
  height: 14px;
  transition: transform 0.3s;
}
.calc__amort-toggle--open svg {
  transform: rotate(180deg);
}

.calc__amort-table-wrap {
  width: 100%;
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease;
}
.calc__amort-table-wrap--open {
  max-height: 1200px;
  overflow-y: auto;
}

.calc__amort-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: 16px;
  font-size: 12px;
}
.calc__amort-table thead {
  position: sticky;
  top: 0;
  z-index: 1;
}
.calc__amort-table th {
  font-size: 9px;
  font-weight: 600;
  color: var(--white-40);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  text-align: left;
  padding: 10px 8px;
  border-bottom: 1px solid var(--white-10);
  background: var(--navy-card);
}
.calc__amort-table td {
  padding: 9px 8px;
  border-bottom: 1px solid rgba(255,255,255,0.04);
  color: var(--white-55);
  font-variant-numeric: tabular-nums;
}
.calc__amort-table tr:hover td {
  background: rgba(255,255,255,0.02);
}
.calc__amort-table td:first-child {
  color: var(--white);
  font-weight: 500;
}

.calc__total-cost {
  display: flex;
  justify-content: space-between;
  width: 100%;
  padding: 14px 0 0;
  margin-top: 6px;
  border-top: 1px solid var(--white-10);
  font-size: 13px;
  color: var(--white-40);
}
.calc__total-cost strong {
  color: var(--white);
  font-weight: 600;
}

@media (max-width: 600px) {
  .calc__donut-wrap {
    flex-direction: column;
    align-items: center;
  }
  .calc__donut-chart {
    width: 140px;
    height: 140px;
  }
  .calc__donut-legend {
    width: 100%;
  }
  .calc__result-v2 {
    padding: 28px 20px;
  }
  .calc__amort-table {
    font-size: 11px;
  }
  .calc__amort-table th,
  .calc__amort-table td {
    padding: 8px 5px;
  }
}

/* ═══════════════════════════════════════════════════
   CALCULATOR V2 — Compare Bars, Stats Grid, Scenarios
   ═══════════════════════════════════════════════════ */

.calc__stats-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  width: 100%;
  margin: 12px 0;
}

.calc__stat {
  background: rgba(255,255,255,0.03);
  border: 1px solid var(--white-10);
  padding: 16px 14px;
  text-align: center;
}

.calc__stat-label {
  font-size: 9px;
  font-weight: 600;
  color: var(--white-40);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  display: block;
  margin-bottom: 6px;
}

.calc__stat-value {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(20px, 2.5vw, 26px);
  font-weight: 700;
  color: var(--white);
}

.calc__stat-value--gold {
  background: linear-gradient(135deg, #c8aa6e, #e8d5a3);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.calc__stat--full {
  grid-column: 1 / -1;
}

.calc__compare {
  width: 100%;
  display: grid;
  gap: 16px;
  margin: 16px 0;
}

.calc__compare-item {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.calc__compare-header {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-size: 12px;
  color: var(--white-55);
}

.calc__compare-header strong {
  font-size: 15px;
  font-weight: 600;
  color: var(--white);
  font-variant-numeric: tabular-nums;
}

.calc__compare-bar {
  height: 10px;
  border-radius: 5px;
  background: var(--white-10);
  overflow: hidden;
}

.calc__compare-fill {
  height: 100%;
  border-radius: 5px;
  transition: width 0.6s ease;
}

.calc__compare-fill--gold {
  background: linear-gradient(90deg, #c8aa6e, #e8d5a3);
}

.calc__compare-fill--blue {
  background: linear-gradient(90deg, #5ba3d9, #7bbde8);
}

.calc__compare-fill--green {
  background: linear-gradient(90deg, #7bc8a4, #9dd8ba);
}

.calc__compare-fill--red {
  background: linear-gradient(90deg, #c97878, #e09a9a);
}

.calc__savings-highlight {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  width: 100%;
  padding: 14px;
  background: rgba(123,200,164,0.08);
  border: 1px solid rgba(123,200,164,0.2);
  font-size: 14px;
  font-weight: 600;
  color: #7bc8a4;
  margin: 8px 0;
}

.calc__savings-highlight svg {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
}

.calc__scenarios {
  width: 100%;
  margin: 12px 0;
}

.calc__scenarios-header {
  font-size: 10px;
  font-weight: 600;
  color: var(--white-40);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.calc__scenario-row {
  display: grid;
  grid-template-columns: 60px 1fr auto;
  gap: 12px;
  align-items: center;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}

.calc__scenario-row:last-child {
  border-bottom: none;
}

.calc__scenario-pct {
  font-size: 14px;
  font-weight: 600;
  color: var(--white);
}

.calc__scenario-bar {
  height: 8px;
  border-radius: 4px;
  background: var(--white-10);
  overflow: hidden;
}

.calc__scenario-fill {
  height: 100%;
  border-radius: 4px;
  background: linear-gradient(90deg, #c8aa6e, #e8d5a3);
  transition: width 0.5s ease;
}

.calc__scenario-row--active .calc__scenario-pct {
  color: var(--gold);
}

.calc__scenario-row--active .calc__scenario-fill {
  background: linear-gradient(90deg, #c8aa6e, #fff3d4);
}

.calc__scenario-amt {
  font-size: 13px;
  font-weight: 600;
  color: var(--white-55);
  font-variant-numeric: tabular-nums;
  min-width: 80px;
  text-align: right;
}

.calc__verdict {
  width: 100%;
  padding: 18px;
  text-align: center;
  font-size: 14px;
  font-weight: 600;
  margin: 8px 0;
}

.calc__verdict--buy {
  background: rgba(123,200,164,0.08);
  border: 1px solid rgba(123,200,164,0.2);
  color: #7bc8a4;
}

.calc__verdict--rent {
  background: rgba(201,120,120,0.08);
  border: 1px solid rgba(201,120,120,0.2);
  color: #c97878;
}

.calc__verdict--neutral {
  background: rgba(200,170,110,0.08);
  border: 1px solid rgba(200,170,110,0.2);
  color: var(--gold);
}

.calc__equity-timeline {
  width: 100%;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin: 8px 0;
}

.calc__equity-card {
  background: rgba(255,255,255,0.03);
  border: 1px solid var(--white-10);
  padding: 14px;
  text-align: center;
}

.calc__equity-year {
  font-size: 9px;
  font-weight: 600;
  color: var(--white-40);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  display: block;
  margin-bottom: 4px;
}

.calc__equity-val {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  font-weight: 700;
  color: #7bc8a4;
}

.calc__breakeven-bar {
  width: 100%;
  margin: 12px 0 4px;
}

.calc__breakeven-track {
  height: 6px;
  border-radius: 3px;
  background: var(--white-10);
  position: relative;
  overflow: hidden;
}

.calc__breakeven-fill {
  height: 100%;
  border-radius: 3px;
  background: linear-gradient(90deg, #c8aa6e, #7bc8a4);
  transition: width 0.6s ease;
}

.calc__breakeven-label {
  display: flex;
  justify-content: space-between;
  font-size: 10px;
  color: var(--white-40);
  margin-top: 6px;
}

@media (max-width: 600px) {
  .calc__stats-grid {
    grid-template-columns: 1fr;
  }
  .calc__scenario-row {
    grid-template-columns: 50px 1fr auto;
    gap: 8px;
  }
  .calc__equity-timeline {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 768px) {
  .intro__grid {
    display: block;
    min-height: auto;
  }
  .intro__image-col {
    height: auto;
    min-height: 0;
  }
  .intro__image {
    position: relative;
    height: 320px;
  }
  .intro__text-col {
    padding: 36px 20px 0;
  }
}

/* ═══════════════════════════════════════════════════
   V4 — PHASE 3 EDUCATION CENTER + LEAD MODAL
   ═══════════════════════════════════════════════════ */
.learn-path,
.readiness,
.resource-section,
.education-video,
.market-update,
.market-article {
  background: var(--navy);
}

.learn-path {
  padding: 112px 0;
}

.learn-path__header,
.resource-section__header,
.education-video__header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 52px;
}

.learn-path__eyebrow,
.readiness__eyebrow,
.resource-section__eyebrow,
.education-video__eyebrow,
.market-update__eyebrow {
  display: block;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.learn-path__heading,
.readiness__heading,
.resource-section__heading,
.education-video__heading,
.market-update__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(32px, 3.2vw, 52px);
  line-height: 1.05;
  font-weight: 700;
}

.learn-path__grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.learn-path__card {
  display: flex;
  min-height: 330px;
  flex-direction: column;
  padding: 34px;
  border: 1px solid var(--white-10);
  border-radius: 24px;
  overflow: hidden;
  background:
    linear-gradient(145deg, rgba(255,255,255,0.06), rgba(255,255,255,0.025)),
    var(--navy-card);
  color: var(--white);
  text-decoration: none;
  transition: transform 0.35s var(--ease), border-color 0.35s var(--ease);
}

.learn-path__card:hover,
.learn-path__card:focus-visible {
  transform: translateY(-6px);
  border-color: var(--gold-border);
  outline: none;
}

.learn-path__num {
  color: var(--gold);
  font-size: 11px;
  letter-spacing: 0.22em;
  margin-bottom: 32px;
}

.learn-path__card h3 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 32px;
  line-height: 1.05;
  margin-bottom: 18px;
}

.learn-path__card p {
  color: var(--white-55);
  font-size: 14px;
  line-height: 1.75;
}

.learn-path__card strong {
  margin-top: auto;
  color: var(--gold);
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}

.readiness {
  padding: 112px 0;
  background:
    radial-gradient(circle at 78% 28%, rgba(201,168,76,0.14), transparent 32%),
    var(--navy-light);
}

.readiness__grid {
  display: grid;
  grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr);
  gap: 48px;
  align-items: center;
}

.readiness__text {
  color: var(--white-60);
  line-height: 1.8;
  max-width: 480px;
  margin: 22px 0 30px;
}

.readiness__meter {
  width: 100%;
  max-width: 440px;
  height: 10px;
  border-radius: 999px;
  overflow: hidden;
  background: rgba(255,255,255,0.08);
}

.readiness__meter-fill {
  display: block;
  width: 0;
  height: 100%;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transition: width 0.35s var(--ease);
}

.readiness__status {
  margin-top: 16px;
  color: var(--white-65);
  font-size: 14px;
}

.readiness__panel {
  display: grid;
  gap: 12px;
  padding: 24px;
  border: 1px solid var(--white-10);
  border-radius: 24px;
  background: rgba(255,255,255,0.04);
}

.readiness__check {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 15px 16px;
  border-radius: 14px;
  background: rgba(255,255,255,0.035);
  color: var(--white-70);
  cursor: pointer;
  transition: background 0.25s var(--ease), color 0.25s var(--ease);
}

.readiness__check:hover {
  background: rgba(255,255,255,0.065);
  color: var(--white);
}

.readiness__check input {
  width: 18px;
  height: 18px;
  accent-color: var(--gold);
}

.resource-section {
  padding: 108px 0;
  background: var(--navy-light);
}

.resource-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
}

.resource-card {
  display: flex;
  flex-direction: column;
  min-height: 300px;
  padding: 26px;
  border-radius: 22px;
  border: 1px solid var(--white-10);
  background: var(--navy-card);
  color: var(--white);
  text-decoration: none;
  transition: transform 0.35s var(--ease), border-color 0.35s var(--ease);
}

.resource-card:hover,
.resource-card:focus-visible {
  transform: translateY(-5px);
  border-color: var(--gold-border);
  outline: none;
}

.resource-card__format {
  align-self: flex-start;
  color: var(--gold);
  border: 1px solid var(--gold-border);
  border-radius: 999px;
  padding: 6px 10px;
  font-size: 10px;
  letter-spacing: 0.16em;
  margin-bottom: 26px;
}

.resource-card h3 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 27px;
  line-height: 1.08;
  margin-bottom: 16px;
}

.resource-card p {
  color: var(--white-55);
  font-size: 14px;
  line-height: 1.7;
}

.resource-card strong {
  margin-top: auto;
  color: var(--gold);
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

.education-video {
  padding: 108px 0;
}

.lead-modal {
  position: fixed;
  inset: 0;
  z-index: 5000;
  display: grid;
  place-items: center;
  padding: 24px;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.25s var(--ease);
}

.lead-modal.is-open {
  opacity: 1;
  pointer-events: auto;
}

.lead-modal__backdrop {
  position: absolute;
  inset: 0;
  background: rgba(5, 8, 18, 0.76);
  backdrop-filter: blur(12px);
}

.lead-modal__dialog {
  position: relative;
  width: min(760px, 100%);
  max-height: min(760px, 92vh);
  overflow: auto;
  border: 1px solid var(--gold-border);
  border-radius: 26px;
  background:
    radial-gradient(circle at top right, rgba(201,168,76,0.16), transparent 34%),
    var(--navy-card);
  box-shadow: 0 30px 90px rgba(0,0,0,0.45);
  transform: translateY(16px) scale(0.98);
  transition: transform 0.28s var(--ease);
}

.lead-modal.is-open .lead-modal__dialog {
  transform: translateY(0) scale(1);
}

.lead-modal__close {
  position: absolute;
  top: 18px;
  right: 18px;
  width: 42px;
  height: 42px;
  border: 1px solid var(--white-10);
  border-radius: 50%;
  background: rgba(255,255,255,0.04);
  color: var(--white);
  font-size: 28px;
  line-height: 1;
  cursor: pointer;
}

.lead-modal__content {
  padding: 48px;
}

.lead-modal__eyebrow {
  color: var(--gold);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.28em;
  text-transform: uppercase;
}

.lead-modal__content h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(32px, 4vw, 52px);
  line-height: 1.04;
  max-width: 520px;
  margin: 14px 0 14px;
}

.lead-modal__content p {
  max-width: 540px;
  color: var(--white-60);
  line-height: 1.7;
}

.lead-modal__form {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-top: 30px;
}

.lead-modal__field {
  display: grid;
  gap: 8px;
}

.lead-modal__field--full,
.lead-modal__submit {
  grid-column: 1 / -1;
}

.lead-modal__field label {
  color: var(--white-55);
  font-size: 10px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

.lead-modal__field input,
.lead-modal__field select,
.lead-modal__field textarea {
  width: 100%;
  border: 1px solid var(--white-10);
  background: rgba(255,255,255,0.04);
  color: var(--white);
  padding: 15px 16px;
  font: inherit;
  outline: none;
  transition: border-color 0.25s var(--ease);
}

.lead-modal__field input:focus,
.lead-modal__field select:focus,
.lead-modal__field textarea:focus {
  border-color: var(--gold-border);
}

.lead-modal__field select option {
  color: var(--navy);
}

.lead-modal__success {
  margin-top: 30px;
  padding: 28px;
  border-radius: 20px;
  background: rgba(201,168,76,0.1);
  border: 1px solid var(--gold-border);
}

.lead-modal__success h3 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 30px;
  margin-bottom: 8px;
}

.market-update {
  padding: 108px 0;
  background:
    linear-gradient(135deg, rgba(201,168,76,0.1), transparent 42%),
    var(--navy-light);
}

.market-update__grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: center;
}

.market-update__text {
  color: var(--white-60);
  line-height: 1.8;
  max-width: 620px;
  margin: 22px 0 30px;
}

.market-update__stats {
  display: grid;
  gap: 14px;
}

.market-update__stats div {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  padding: 22px 24px;
  border: 1px solid var(--white-10);
  border-radius: 16px;
  background: rgba(255,255,255,0.04);
}

.market-update__stats span {
  color: var(--white-45);
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

.market-update__stats strong {
  color: var(--white);
  font-family: 'Cormorant Garamond', serif;
  font-size: 24px;
  text-align: right;
}

.market-article {
  padding: 112px 0;
}

.market-article__grid {
  display: grid;
  grid-template-columns: 260px minmax(0, 780px);
  gap: 72px;
  align-items: start;
}

.market-article__rail {
  position: sticky;
  top: 116px;
  padding: 24px;
  border: 1px solid var(--white-10);
  border-radius: 18px;
  background: rgba(255,255,255,0.04);
}

.market-article__rail span {
  display: block;
  color: var(--gold);
  font-size: 10px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  margin-bottom: 8px;
}

.market-article__rail strong {
  display: block;
  font-family: 'Cormorant Garamond', serif;
  font-size: 26px;
  margin-bottom: 14px;
}

.market-article__rail p,
.market-article__body p {
  color: var(--white-60);
  line-height: 1.85;
}

.market-article__lead {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(26px, 3vw, 38px);
  color: var(--white) !important;
  line-height: 1.25 !important;
  margin-bottom: 48px;
}

.market-article__body h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 34px;
  margin: 42px 0 14px;
}

.market-article__callout {
  margin-top: 52px;
  padding: 34px;
  border-radius: 24px;
  border: 1px solid var(--gold-border);
  background: rgba(201,168,76,0.08);
}

.market-article__callout h3 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 32px;
  margin-bottom: 10px;
}

.market-article__callout .btn {
  margin-top: 22px;
}

@media (max-width: 1100px) {
  .learn-path__grid,
  .resource-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  .market-article__grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .market-article__rail {
    position: static;
  }
}

@media (max-width: 768px) {
  .learn-path,
  .readiness,
  .resource-section,
  .education-video,
  .market-update,
  .market-article {
    padding: 72px 0;
  }
  .learn-path__grid,
  .readiness__grid,
  .resource-grid,
  .market-update__grid {
    grid-template-columns: 1fr;
  }
  .learn-path__card,
  .resource-card {
    min-height: auto;
    padding: 26px 22px;
  }
  .learn-path__card:has(.learn-path__card-img) {
    padding: 0;
  }
  .learn-path__card-body {
    padding: 20px 22px 24px;
  }
  .readiness__panel {
    padding: 16px;
  }
  .readiness__check {
    align-items: flex-start;
    padding: 14px;
  }
  .lead-modal {
    padding: 14px;
  }
  .lead-modal__content {
    padding: 34px 22px;
  }
  .lead-modal__form {
    grid-template-columns: 1fr;
  }
  .market-update__stats div {
    display: grid;
    gap: 8px;
  }
  .market-update__stats strong {
    text-align: left;
  }
  .market-article__body h2 {
    font-size: 28px;
  }
}

/* ═══════════════════════════════════════════════════
   PARTNER REFERRAL FORM
   ═══════════════════════════════════════════════════ */
.partner-referral { padding: 120px 0; }
.partner-referral__header { text-align: center; margin-bottom: 48px; }
.partner-referral__eyebrow {
  display: inline-block; font-size: 11px; text-transform: uppercase; letter-spacing: 3px;
  color: var(--gold); margin-bottom: 16px;
}
.partner-referral__heading {
  font-family: var(--font-heading); font-size: clamp(32px, 4vw, 48px);
  font-weight: 700; color: var(--cream); line-height: 1.15;
}
.partner-referral__heading em { color: var(--gold); font-style: normal; }
.partner-referral__sub {
  max-width: 560px; margin: 16px auto 0; color: var(--white-60); font-size: 15px; line-height: 1.7;
}
.partner-referral__form {
  max-width: 680px; margin: 0 auto;
  background: var(--navy-card); border: 1px solid var(--white-10); border-radius: 16px;
  padding: 40px;
}
.partner-referral__row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 20px; }
.partner-referral__field { margin-bottom: 20px; }
.partner-referral__row .partner-referral__field { margin-bottom: 0; }
.partner-referral__field label {
  display: block; font-size: 13px; font-weight: 500; color: var(--white-60);
  margin-bottom: 8px; text-transform: uppercase; letter-spacing: 0.5px;
}
.partner-referral__field input,
.partner-referral__field select,
.partner-referral__field textarea {
  width: 100%; padding: 14px 16px; background: rgba(255,255,255,0.04);
  border: 1px solid var(--white-10); border-radius: 10px; color: var(--cream);
  font-size: 15px; font-family: var(--font-body); transition: border-color 0.3s;
}
.partner-referral__field input:focus,
.partner-referral__field select:focus,
.partner-referral__field textarea:focus {
  outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201,168,76,0.12);
}
.partner-referral__field select { cursor: pointer; appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 12 12' xmlns='http://www.w3.org/2000/svg'%3E%3Cpolyline points='2,4 6,8 10,4' fill='none' stroke='%23c9a84c' stroke-width='1.5'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 14px center; background-size: 12px;
}
.partner-referral__field select option { background: var(--navy); color: var(--cream); }
.partner-referral__submit { width: 100%; justify-content: center; margin-top: 8px; }
.partner-referral__success {
  display: flex; align-items: center; gap: 16px; padding: 20px;
  background: rgba(201,168,76,0.08); border: 1px solid rgba(201,168,76,0.2);
  border-radius: 12px; margin-top: 20px; color: var(--cream); font-size: 14px; line-height: 1.6;
}

/* ═══ PARTNER EVENT REQUEST ═════════════════════════ */
.partner-event { padding: 120px 0; border-top: 1px solid var(--white-06); }
.partner-event__inner {
  display: grid; grid-template-columns: 1.2fr 1fr; gap: 60px; align-items: center;
}
.partner-event__eyebrow {
  display: inline-block; font-size: 11px; text-transform: uppercase; letter-spacing: 3px;
  color: var(--gold); margin-bottom: 16px;
}
.partner-event__heading {
  font-family: var(--font-heading); font-size: clamp(28px, 3.5vw, 42px);
  font-weight: 700; color: var(--cream); line-height: 1.15;
}
.partner-event__heading em { color: var(--gold); font-style: normal; }
.partner-event__desc {
  margin-top: 16px; color: var(--white-60); font-size: 15px; line-height: 1.7;
}
.partner-event__list {
  margin-top: 24px; list-style: none; padding: 0; display: flex; flex-direction: column; gap: 10px;
}
.partner-event__list li {
  padding-left: 24px; position: relative; color: var(--white-85); font-size: 15px;
}
.partner-event__list li::before {
  content: ''; position: absolute; left: 0; top: 7px; width: 8px; height: 8px;
  border-radius: 50%; background: var(--gold);
}
.partner-event__card {
  background: var(--navy-card); border: 1px solid var(--white-10); border-radius: 16px;
  padding: 40px; text-align: center;
}
.partner-event__card h3 {
  font-family: var(--font-heading); font-size: 24px; color: var(--cream); margin-bottom: 12px;
}
.partner-event__card p { color: var(--white-60); font-size: 14px; line-height: 1.6; margin-bottom: 20px; }

/* ═══ PARTNER RESOURCES ════════════════════════════ */
.partner-resources { padding: 120px 0; border-top: 1px solid var(--white-06); }
.partner-resources__header { text-align: center; margin-bottom: 48px; }
.partner-resources__eyebrow {
  display: inline-block; font-size: 11px; text-transform: uppercase; letter-spacing: 3px;
  color: var(--gold); margin-bottom: 16px;
}
.partner-resources__heading {
  font-family: var(--font-heading); font-size: clamp(32px, 4vw, 48px);
  font-weight: 700; color: var(--cream); line-height: 1.15;
}
.partner-resources__heading em { color: var(--gold); font-style: normal; }

@media (max-width: 768px) {
  .partner-referral { padding: 80px 0; }
  .partner-referral__form { padding: 24px; }
  .partner-referral__row { grid-template-columns: 1fr; }
  .partner-event { padding: 80px 0; }
  .partner-event__inner { grid-template-columns: 1fr; gap: 32px; }
  .partner-resources { padding: 80px 0; }
}

/* ═══ SERVICE ROUTING — IMAGE CARDS ════════════════ */
.svc-route__card--image {
  padding: 0;
  min-height: auto;
  overflow: hidden;
}
.svc-route__card-img {
  position: relative;
  width: 100%;
  height: 200px;
  overflow: hidden;
}
.svc-route__card-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s var(--ease);
}
.svc-route__card--image:hover .svc-route__card-img img,
.svc-route__card--image:focus-visible .svc-route__card-img img {
  transform: scale(1.06);
}
.svc-route__card-img::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 60px;
  background: linear-gradient(to top, var(--navy-card), transparent);
}
.svc-route__card-body {
  padding: 28px 30px 30px;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}
.svc-route__card-body .svc-route__title {
  font-size: clamp(22px, 1.8vw, 28px);
  margin-bottom: 10px;
}
.svc-route__card-body .svc-route__desc {
  margin-bottom: 20px;
}

/* ═══ LEARN PATH — IMAGE CARDS ═════════════════════ */
.learn-path__card:has(.learn-path__card-img) {
  padding: 0;
}
.learn-path__card-img {
  position: relative;
  width: 100%;
  height: 180px;
  overflow: hidden;
}
.learn-path__card-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s var(--ease);
}
.learn-path__card:hover .learn-path__card-img img,
.learn-path__card:focus-visible .learn-path__card-img img {
  transform: scale(1.06);
}
.learn-path__card-img::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 50px;
  background: linear-gradient(to top, var(--navy-card), transparent);
}
.learn-path__card-body {
  display: flex;
  flex-direction: column;
  flex-grow: 1;
  padding: 24px 30px 30px;
}
.learn-path__card-body .learn-path__num {
  margin-bottom: 20px;
}

/* ═══ PHOTO BREAK — Full-width image sections ══════ */
.photo-break {
  position: relative;
  width: 100%;
  height: 340px;
  overflow: hidden;
}
.photo-break img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.photo-break::before,
.photo-break::after {
  content: '';
  position: absolute;
  left: 0; right: 0;
  height: 80px;
  z-index: 1;
}
.photo-break::before {
  top: 0;
  background: linear-gradient(to bottom, var(--navy), transparent);
}
.photo-break::after {
  bottom: 0;
  background: linear-gradient(to top, var(--navy), transparent);
}

/* ═══ MARKET ARTICLE — HERO IMAGE ══════════════════ */
.market-article__hero {
  width: 100%;
  height: 320px;
  border-radius: 16px;
  overflow: hidden;
  margin-bottom: 40px;
}
.market-article__hero img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

/* ═══ SECTION BACKGROUND IMAGE — Reusable luxury bg ═ */
.section-bg {
  position: relative;
  overflow: hidden;
}
.section-bg__img {
  position: absolute;
  inset: 0;
  z-index: 0;
}
.section-bg__img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.18;
  filter: saturate(0.4);
}
.section-bg > .container,
.section-bg > *:not(.section-bg__img) {
  position: relative;
  z-index: 1;
}

@media (max-width: 768px) {
  .svc-route__card-img { height: 160px; }
  .svc-route__card-body { padding: 20px 22px 24px; }
  .learn-path__card-img { height: 150px; }
  .photo-break { height: 220px; }
  .market-article__hero { height: 200px; border-radius: 12px; }
}

/* ═══════════════════════════════════════════════════
   BLOG INLINE LEAD CAPTURE CARD
   ═══════════════════════════════════════════════════ */

.blog-grid__lead-card {
  grid-column: 1 / -1;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 48px 40px;
  border: 1px solid var(--gold-border);
  border-radius: var(--radius);
  background: rgba(201,168,76,0.04);
}

.blog-grid__lead-card.hidden { display: none; }

.blog-grid__lead-icon {
  width: 48px;
  height: 48px;
  margin-bottom: 16px;
  color: var(--gold);
}

.blog-grid__lead-icon svg {
  width: 100%;
  height: 100%;
}

.blog-grid__lead-title {
  font-family: var(--heading);
  font-size: 26px;
  font-weight: 700;
  color: var(--cream);
  margin-bottom: 8px;
}

.blog-grid__lead-desc {
  font-size: 15px;
  color: var(--muted);
  line-height: 1.6;
  max-width: 440px;
  margin-bottom: 20px;
}

.blog-grid__lead-form {
  display: flex;
  gap: 10px;
  width: 100%;
  max-width: 420px;
}

.blog-grid__lead-input {
  flex: 1;
  padding: 12px 16px;
  font-size: 14px;
  font-family: var(--body);
  color: var(--cream);
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 8px;
  outline: none;
  transition: border-color 0.3s var(--ease);
}

.blog-grid__lead-input:focus {
  border-color: var(--gold);
}

.blog-grid__lead-input::placeholder {
  color: rgba(255,255,255,0.35);
}

.blog-grid__lead-btn {
  padding: 12px 24px;
  font-size: 13px;
  font-weight: 600;
  font-family: var(--body);
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--navy);
  background: var(--gold);
  border: none;
  border-radius: 8px;
  cursor: pointer;
  white-space: nowrap;
  transition: background 0.3s var(--ease);
}

.blog-grid__lead-btn:hover {
  background: var(--gold-light);
}

.blog-grid__lead-status {
  font-size: 13px;
  color: var(--gold);
  margin-top: 10px;
  min-height: 20px;
}

@media (max-width: 600px) {
  .blog-grid__lead-card { padding: 32px 24px; }
  .blog-grid__lead-title { font-size: 22px; }
  .blog-grid__lead-form { flex-direction: column; }
  .blog-grid__lead-btn { width: 100%; }
}

/* ═══════════════════════════════════════════════════
   MURABAHA FLOW — Interactive 5-Step Diagram
   ═══════════════════════════════════════════════════ */
.murabaha-flow {
  padding: 120px 0;
  background: linear-gradient(180deg, var(--navy) 0%, #0d1326 50%, var(--navy) 100%);
  position: relative;
  overflow: hidden;
}

.murabaha-flow__header {
  text-align: center;
  margin-bottom: 72px;
}

.murabaha-flow__eyebrow {
  display: inline-block;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.murabaha-flow__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: 48px;
  font-weight: 700;
  line-height: 1.1;
  color: var(--white);
  margin-bottom: 16px;
}

.murabaha-flow__sub {
  font-size: 16px;
  color: var(--white-55);
  max-width: 540px;
  margin: 0 auto;
  line-height: 1.6;
}

/* ─── Entity Row ──────────────────────────────── */
.murabaha-flow__entities {
  display: flex;
  justify-content: center;
  gap: 80px;
  margin-bottom: 40px;
}

.murabaha-flow__entity {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  transition: all 0.4s var(--ease);
}

.murabaha-flow__entity-icon {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  overflow: hidden;
  border: 2px solid rgba(255,255,255,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(255,255,255,0.04);
  transition: border-color 0.4s var(--ease), box-shadow 0.4s var(--ease);
}

.murabaha-flow__entity-icon img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.murabaha-flow__entity-icon svg {
  width: 32px;
  height: 32px;
  color: var(--white-55);
  transition: color 0.4s var(--ease);
}

.murabaha-flow__entity-name {
  font-size: 13px;
  font-weight: 500;
  color: var(--white-55);
  letter-spacing: 0.02em;
  transition: color 0.4s var(--ease);
}

.murabaha-flow__entity--active .murabaha-flow__entity-icon {
  border-color: var(--gold);
  box-shadow: 0 0 24px rgba(201,168,76,0.2);
}

.murabaha-flow__entity--active .murabaha-flow__entity-icon svg {
  color: var(--gold);
}

.murabaha-flow__entity--active .murabaha-flow__entity-icon img {
  filter: brightness(1.15);
}

.murabaha-flow__entity--active .murabaha-flow__entity-name {
  color: var(--gold);
}

/* ─── SVG Arrow Layer ─────────────────────────── */
.murabaha-flow__arrows {
  display: block;
  width: 100%;
  max-width: 700px;
  margin: 0 auto 56px;
  height: 60px;
}

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

.murabaha-flow__step {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: 14px;
  padding: 28px 24px;
  opacity: 0.35;
  transform: translateY(12px);
  transition: opacity 0.5s var(--ease), transform 0.5s var(--ease),
              border-color 0.4s var(--ease), background 0.4s var(--ease);
}

.murabaha-flow__step--active {
  opacity: 1;
  transform: translateY(0);
  border-color: rgba(201,168,76,0.25);
  background: rgba(201,168,76,0.04);
}

.murabaha-flow__step-num {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: rgba(201,168,76,0.1);
  border: 1px solid rgba(201,168,76,0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Cormorant Garamond', serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--gold);
  margin-bottom: 16px;
}

.murabaha-flow__step-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 10px;
  line-height: 1.2;
}

.murabaha-flow__step-desc {
  font-size: 14px;
  color: var(--white-55);
  line-height: 1.65;
  margin-bottom: 14px;
}

.murabaha-flow__step-tag {
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
  padding: 4px 10px;
  background: rgba(201,168,76,0.08);
  border-radius: 4px;
}

/* ═══════════════════════════════════════════════════
   MURABAHA COMPARISON TABLE
   ═══════════════════════════════════════════════════ */
.murabaha-compare {
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 14px;
  overflow: hidden;
  background: rgba(255,255,255,0.02);
}

.murabaha-compare__head {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr;
  background: rgba(201,168,76,0.06);
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.murabaha-compare__label {
  padding: 16px 24px;
}

.murabaha-compare__col-head {
  padding: 16px 24px;
  font-family: 'Cormorant Garamond', serif;
  font-size: 18px;
  font-weight: 700;
  text-align: center;
}

.murabaha-compare__col-head--murabaha {
  color: var(--gold);
}

.murabaha-compare__col-head--conventional {
  color: var(--white-50);
}

.murabaha-compare__row {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr;
  border-bottom: 1px solid rgba(255,255,255,0.05);
  opacity: 0;
  transform: translateY(8px);
  transition: opacity 0.4s var(--ease), transform 0.4s var(--ease);
}

.murabaha-compare__row--visible {
  opacity: 1;
  transform: translateY(0);
}

.murabaha-compare__row:last-child {
  border-bottom: none;
}

.murabaha-compare__feature {
  padding: 18px 24px;
  font-size: 14px;
  font-weight: 600;
  color: var(--white-85);
}

.murabaha-compare__cell {
  padding: 18px 24px;
  font-size: 14px;
  text-align: center;
  line-height: 1.5;
}

.murabaha-compare__cell--murabaha {
  color: rgba(255,255,255,0.75);
  background: rgba(201,168,76,0.03);
}

.murabaha-compare__cell--conventional {
  color: var(--white-45);
}

/* ═══════════════════════════════════════════════════
   AIRY SECTION VARIANT — Lighter background break
   ═══════════════════════════════════════════════════ */
.section--warm {
  background: linear-gradient(180deg, #111728 0%, #141c32 50%, #111728 100%);
}

.section--warm-subtle {
  background: rgba(201,168,76,0.02);
}

/* ═══════════════════════════════════════════════════
   VIDEO SECTION — Standalone (not inside murabaha-flow)
   ═══════════════════════════════════════════════════ */
.video-section {
  padding: 100px 0;
  background: linear-gradient(180deg, var(--navy) 0%, #0f1529 50%, var(--navy) 100%);
}

.video-section__header {
  text-align: center;
  margin-bottom: 56px;
}

.video-section__eyebrow {
  display: inline-block;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.video-section__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: 42px;
  font-weight: 700;
  line-height: 1.1;
  color: var(--white);
}

/* ═══════════════════════════════════════════════════
   MURABAHA + COMPARE — Responsive
   ═══════════════════════════════════════════════════ */
@media (max-width: 1100px) {
  .murabaha-flow__steps {
    grid-template-columns: repeat(3, 1fr);
  }
  .murabaha-flow__heading {
    font-size: 42px;
  }
}

@media (max-width: 900px) {
  .murabaha-flow__steps {
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
  }
  .murabaha-flow__entities {
    gap: 48px;
  }
}

@media (max-width: 768px) {
  .murabaha-flow {
    padding: 80px 0;
  }
  .murabaha-flow__header {
    margin-bottom: 48px;
  }
  .murabaha-flow__heading {
    font-size: 34px;
  }
  .murabaha-flow__sub {
    font-size: 15px;
  }
  .murabaha-flow__entities {
    gap: 32px;
  }
  .murabaha-flow__entity-icon {
    width: 60px;
    height: 60px;
  }
  .murabaha-flow__entity-icon svg {
    width: 26px;
    height: 26px;
  }
  .murabaha-flow__arrows {
    display: none;
  }
  .murabaha-flow__steps {
    grid-template-columns: 1fr;
    gap: 14px;
  }
  .murabaha-flow__step {
    padding: 22px 20px;
  }
  .murabaha-flow__step-title {
    font-size: 18px;
  }
  .murabaha-compare__head,
  .murabaha-compare__row {
    grid-template-columns: 1.5fr 1fr 1fr;
  }
  .murabaha-compare__col-head {
    font-size: 15px;
    padding: 14px 16px;
  }
  .murabaha-compare__feature {
    padding: 14px 16px;
    font-size: 13px;
  }
  .murabaha-compare__cell {
    padding: 14px 16px;
    font-size: 13px;
  }
  .video-section {
    padding: 72px 0;
  }
  .video-section__heading {
    font-size: 32px;
  }
}

@media (max-width: 480px) {
  .murabaha-flow__entities {
    gap: 24px;
  }
  .murabaha-flow__entity-icon {
    width: 52px;
    height: 52px;
  }
  .murabaha-flow__entity-icon svg {
    width: 22px;
    height: 22px;
  }
  .murabaha-flow__entity-name {
    font-size: 11px;
  }
  .murabaha-compare__head {
    display: none;
  }
  .murabaha-compare__row {
    grid-template-columns: 1fr;
    padding: 16px 20px;
    gap: 2px;
  }
  .murabaha-compare__feature {
    padding: 0;
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--gold);
    margin-bottom: 4px;
  }
  .murabaha-compare__cell {
    padding: 2px 0;
    text-align: left;
    font-size: 14px;
  }
  .murabaha-compare__cell--murabaha {
    background: transparent;
    color: var(--white-85);
  }
  .murabaha-compare__cell--murabaha::before {
    content: 'Murabaha: ';
    font-weight: 600;
    color: var(--gold);
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: 0.05em;
  }
  .murabaha-compare__cell--conventional::before {
    content: 'Conventional: ';
    font-weight: 600;
    color: var(--white-40);
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: 0.05em;
  }
}

/* ═══════════════════════════════════════════
   HOMEBUYER PLAN (Planner Wizard)
   ═══════════════════════════════════════════ */

.planner {
  min-height: 100vh;
  background: var(--navy);
  padding: 120px 24px 80px;
}
.planner__inner {
  max-width: 700px;
  margin: 0 auto;
  position: relative;
}

/* ── Progress ──────────────────────────── */
.planner__progress {
  height: 4px;
  background: rgba(255,255,255,0.08);
  border-radius: 2px;
  overflow: hidden;
  margin-bottom: 12px;
}
.planner__progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--gold), #e8d5a3);
  border-radius: 2px;
  transition: width 0.5s ease;
}
.planner__progress-steps {
  display: flex;
  justify-content: space-between;
  margin-bottom: 48px;
}
.planner__progress-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: rgba(255,255,255,0.12);
  transition: background 0.3s, box-shadow 0.3s;
}
.planner__progress-dot--active {
  background: var(--gold);
  box-shadow: 0 0 8px rgba(200,170,110,0.4);
}

/* ── Steps ─────────────────────────────── */
.planner__step {
  display: none;
  animation: planFadeIn 0.5s ease;
}
.planner__step--active {
  display: block;
}
@keyframes planFadeIn {
  from { opacity:0; transform: translateY(16px); }
  to   { opacity:1; transform: translateY(0); }
}
.planner__step-header {
  text-align: center;
  margin-bottom: 40px;
}
.planner__eyebrow {
  display: inline-block;
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}
.planner__heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: 42px;
  font-weight: 700;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 16px;
}
.planner__heading em {
  font-style: italic;
  color: var(--gold);
}
.planner__sub {
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  color: var(--white-60);
  max-width: 460px;
  margin: 0 auto;
  line-height: 1.6;
}

/* ── Cards ─────────────────────────────── */
.planner__cards {
  display: grid;
  gap: 14px;
}
.planner__cards--2x2 {
  grid-template-columns: 1fr 1fr;
}
.planner__cards--row {
  grid-template-columns: repeat(4, 1fr);
}
.planner__card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 14px;
  padding: 28px 20px;
  text-align: center;
  cursor: pointer;
  transition: all 0.3s ease;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
}
.planner__card:hover {
  background: rgba(200,170,110,0.06);
  border-color: rgba(200,170,110,0.25);
  transform: translateY(-2px);
}
.planner__card--selected {
  background: rgba(200,170,110,0.12) !important;
  border-color: var(--gold) !important;
  box-shadow: 0 0 20px rgba(200,170,110,0.15);
}
.planner__card-icon {
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
}
.planner__card-icon svg {
  width: 32px;
  height: 32px;
}
.planner__card-title {
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  font-weight: 600;
  color: var(--white);
}
.planner__card-desc {
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  color: var(--white-40);
}
.planner__card--compact {
  padding: 22px 14px;
}
.planner__card--compact .planner__card-title {
  font-size: 15px;
}

/* ── Tips ──────────────────────────────── */
.planner__tip {
  text-align: center;
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  color: var(--gold);
  margin-top: 20px;
  min-height: 22px;
  opacity: 0;
  transition: opacity 0.4s ease;
}
.planner__tip--visible {
  opacity: 1;
}

/* ── Sliders ───────────────────────────── */
.planner__sliders {
  display: flex;
  flex-direction: column;
  gap: 28px;
  margin-bottom: 36px;
}
.planner__slider-group {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.planner__slider-header {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
}
.planner__slider-label {
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  color: var(--white-60);
}
.planner__slider-value {
  font-family: 'Inter', sans-serif;
  font-size: 20px;
  font-weight: 600;
  color: var(--white);
}
.planner__slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 3px;
  background: linear-gradient(to right, var(--gold) var(--pct, 50%), rgba(255,255,255,0.08) var(--pct, 50%));
  outline: none;
  cursor: pointer;
}
.planner__slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--gold);
  box-shadow: 0 0 10px rgba(200,170,110,0.4);
  cursor: grab;
}
.planner__slider::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  border: none;
  background: var(--gold);
  box-shadow: 0 0 10px rgba(200,170,110,0.4);
  cursor: grab;
}

/* ── Buying Power Result ───────────────── */
.planner__power-result {
  background: rgba(200,170,110,0.06);
  border: 1px solid rgba(200,170,110,0.15);
  border-radius: 16px;
  padding: 32px;
  text-align: center;
  margin-bottom: 28px;
}
.planner__power-label {
  display: block;
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--white-40);
  margin-bottom: 8px;
}
.planner__power-amount {
  display: block;
  font-family: 'Cormorant Garamond', serif;
  font-size: 52px;
  font-weight: 700;
  color: var(--gold);
  line-height: 1.1;
  margin-bottom: 20px;
}
.planner__power-details {
  display: flex;
  justify-content: center;
  gap: 40px;
}
.planner__power-details div {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.planner__power-details span {
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  color: var(--white-40);
}
.planner__power-details strong {
  font-family: 'Inter', sans-serif;
  font-size: 18px;
  color: var(--white);
}

/* ── Next / Continue Buttons ───────────── */
.planner__next {
  display: block;
  width: 100%;
  padding: 16px;
  background: linear-gradient(135deg, var(--gold), #b8943e);
  border: none;
  border-radius: 10px;
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  transition: opacity 0.2s;
}
.planner__next:hover {
  opacity: 0.9;
}

/* ── Document Checklist ────────────────── */
.planner__checklist {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 28px;
}
.planner__check {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 16px 18px;
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: 12px;
  cursor: pointer;
  transition: all 0.2s;
}
.planner__check:hover {
  background: rgba(255,255,255,0.05);
}
.planner__check input {
  display: none;
}
.planner__check-box {
  flex-shrink: 0;
  width: 24px;
  height: 24px;
  border: 2px solid rgba(255,255,255,0.15);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.2s;
}
.planner__check-box::after {
  content: '';
  display: block;
  width: 12px;
  height: 12px;
  border-radius: 3px;
  background: var(--gold);
  transform: scale(0);
  transition: transform 0.2s;
}
.planner__check input:checked ~ .planner__check-box {
  border-color: var(--gold);
}
.planner__check input:checked ~ .planner__check-box::after {
  transform: scale(1);
}
.planner__check input:checked ~ .planner__check-text strong {
  color: var(--gold);
}
.planner__check-text {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.planner__check-text strong {
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  font-weight: 600;
  color: var(--white);
  transition: color 0.2s;
}
.planner__check-text small {
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  color: var(--white-40);
}

/* ── Doc Progress ──────────────────────── */
.planner__doc-progress {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 24px;
}
.planner__doc-bar {
  flex: 1;
  height: 8px;
  background: rgba(255,255,255,0.06);
  border-radius: 4px;
  overflow: hidden;
}
.planner__doc-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--gold), #7bc8a4);
  border-radius: 4px;
  transition: width 0.4s ease;
}
.planner__doc-status {
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  color: var(--white-40);
  white-space: nowrap;
}

/* ── Score Ring ─────────────────────────── */
.planner__score-ring {
  width: 200px;
  height: 200px;
  margin: 0 auto 36px;
  position: relative;
}
.planner__score-ring svg {
  width: 100%;
  height: 100%;
}
.planner__score-center {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
}
.planner__score-num {
  font-family: 'Inter', sans-serif;
  font-size: 52px;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  letter-spacing: -0.03em;
}
.planner__score-of {
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  color: var(--white-40);
  margin-top: 4px;
}

/* ── Insights ──────────────────────────── */
.planner__insights {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 40px;
}
.planner__insight {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 16px 18px;
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: 12px;
}
.planner__insight strong {
  display: block;
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 2px;
}
.planner__insight span:last-child {
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  color: var(--white-60);
}
.planner__insight-icon {
  flex-shrink: 0;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(255,255,255,0.06);
  color: var(--white-40);
}
.planner__insight-icon svg {
  width: 16px;
  height: 16px;
}
.planner__insight-icon--check {
  background: rgba(123,200,164,0.15);
  color: #7bc8a4;
}
.planner__insight-icon--warn {
  background: rgba(200,170,110,0.15);
  color: var(--gold);
}
.planner__insight-icon--alert {
  background: rgba(220,100,100,0.15);
  color: #dc6464;
}

/* ── Locked Section ────────────────────── */
.planner__locked {
  position: relative;
  margin-bottom: 32px;
  border-radius: 14px;
  overflow: hidden;
}
.planner__locked-preview {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.planner__locked-row {
  padding: 16px 20px;
  background: rgba(255,255,255,0.02);
  border-bottom: 1px solid rgba(255,255,255,0.04);
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  color: var(--white-40);
  filter: blur(2px);
}
.planner__locked-row:last-child {
  border-bottom: none;
}
.planner__locked-overlay {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 12px;
  background: rgba(10,15,30,0.6);
  backdrop-filter: blur(2px);
}
.planner__locked-overlay svg {
  width: 36px;
  height: 36px;
  color: var(--gold);
  opacity: 0.7;
}
.planner__locked-overlay span {
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  font-weight: 500;
  color: var(--white-60);
}

/* ── Gate (Lead Form) ──────────────────── */
.planner__gate {
  background: rgba(200,170,110,0.04);
  border: 1px solid rgba(200,170,110,0.15);
  border-radius: 16px;
  padding: 40px 32px;
  text-align: center;
}
.planner__gate-heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: 28px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 10px;
}
.planner__gate-sub {
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  color: var(--white-60);
  max-width: 380px;
  margin: 0 auto 28px;
  line-height: 1.6;
}
.planner__gate-form {
  display: flex;
  flex-direction: column;
  gap: 12px;
  max-width: 360px;
  margin: 0 auto 16px;
}
.planner__gate-input {
  width: 100%;
  padding: 14px 18px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 10px;
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  color: var(--white);
  outline: none;
  transition: border-color 0.2s;
}
.planner__gate-input::placeholder {
  color: var(--white-40);
}
.planner__gate-input:focus {
  border-color: var(--gold);
}
.planner__gate-submit {
  width: 100%;
  padding: 16px;
  background: linear-gradient(135deg, var(--gold), #b8943e);
  border: none;
  border-radius: 10px;
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  transition: opacity 0.2s;
  margin-top: 4px;
}
.planner__gate-submit:hover {
  opacity: 0.9;
}
.planner__gate-trust {
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  color: var(--white-40);
  margin-top: 12px;
}

/* ── Success ───────────────────────────── */
.planner__success {
  display: none;
  text-align: center;
  padding: 48px 24px;
}
.planner__success--visible {
  display: block;
  animation: planFadeIn 0.5s ease;
}
.planner__success svg {
  width: 64px;
  height: 64px;
  margin-bottom: 20px;
}
.planner__success h3 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 30px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 12px;
}
.planner__success p {
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  color: var(--white-60);
  margin-bottom: 28px;
  line-height: 1.6;
}
.planner__success .btn {
  display: inline-block;
  padding: 14px 32px;
  border-radius: 10px;
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  font-weight: 600;
  text-decoration: none;
  color: var(--navy);
  background: linear-gradient(135deg, var(--gold), #b8943e);
}

/* ── Back Button ───────────────────────── */
.planner__back {
  display: flex;
  align-items: center;
  gap: 6px;
  background: none;
  border: none;
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  color: var(--white-40);
  cursor: pointer;
  margin-top: 32px;
  padding: 0;
  transition: color 0.2s;
}
.planner__back:hover {
  color: var(--white-60);
}
.planner__back svg {
  width: 14px;
  height: 14px;
}

/* ── Responsive ────────────────────────── */
@media (max-width: 600px) {
  .planner {
    padding: 100px 16px 60px;
  }
  .planner__heading {
    font-size: 32px;
  }
  .planner__cards--2x2 {
    grid-template-columns: 1fr;
  }
  .planner__cards--row {
    grid-template-columns: 1fr 1fr;
  }
  .planner__power-amount {
    font-size: 40px;
  }
  .planner__power-details {
    flex-direction: column;
    gap: 14px;
    align-items: center;
  }
  .planner__gate {
    padding: 28px 20px;
  }
  .planner__score-ring {
    width: 160px;
    height: 160px;
  }
  .planner__score-num {
    font-size: 44px;
  }
}

/* ═══════════════════════════════════════════
   HOMEBUYER PLAN V2 — Grand Slam Components
   ═══════════════════════════════════════════ */

/* ── Blueprint Preview (curiosity card) ── */
.planner__bp-preview {
  background: rgba(200,170,110,0.04);
  border: 1px solid rgba(200,170,110,0.12);
  border-radius: 16px;
  padding: 24px;
  margin-bottom: 32px;
}
.planner__bp-title {
  font-family: 'Inter', sans-serif;
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--gold);
  margin-bottom: 16px;
}
.planner__bp-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255,255,255,0.04);
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  color: var(--white-60);
}
.planner__bp-row:last-child { border-bottom: none; }
.planner__bp-blur {
  font-weight: 600;
  color: var(--gold);
  filter: blur(5px);
  user-select: none;
}

/* ── Value Stack ─────────────────────────── */
.planner__vs {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 32px;
}
.planner__vs-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  color: var(--white-60);
}
.planner__vs-item svg {
  flex-shrink: 0;
  width: 18px;
  height: 18px;
}
.planner__vs-item--bonus {
  color: var(--gold);
  font-weight: 500;
  padding-top: 8px;
  border-top: 1px solid rgba(200,170,110,0.15);
  margin-top: 4px;
}

/* ── Start Button ────────────────────────── */
.planner__start {
  display: block;
  width: 100%;
  padding: 18px;
  background: linear-gradient(135deg, var(--gold), #b8943e);
  border: none;
  border-radius: 12px;
  font-family: 'Inter', sans-serif;
  font-size: 17px;
  font-weight: 700;
  color: var(--navy);
  cursor: pointer;
  transition: opacity 0.2s, transform 0.2s;
  margin-bottom: 20px;
}
.planner__start:hover {
  opacity: 0.92;
  transform: translateY(-1px);
}

/* ── Social Proof ────────────────────────── */
.planner__social-proof {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  color: var(--white-40);
}
.planner__social-proof svg {
  width: 16px;
  height: 16px;
}

/* ── Phase (slide-in sub-sections) ───────── */
.planner__phase {
  max-height: 0;
  overflow: hidden;
  opacity: 0;
  transition: max-height 0.5s ease, opacity 0.4s ease, margin 0.4s ease;
  margin-top: 0;
}
.planner__phase--visible {
  max-height: 1200px;
  opacity: 1;
  margin-top: 32px;
}
.planner__phase-title {
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  font-weight: 600;
  color: var(--white-60);
  margin-bottom: 16px;
  margin-top: 0;
}

/* ── Dashboard ───────────────────────────── */
.planner__dashboard {
  background: rgba(255,255,255,0.02);
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: 18px;
  padding: 28px 24px;
  margin-bottom: 24px;
  display: flex;
  flex-direction: column;
  gap: 28px;
}
.planner__dash-hero {
  text-align: center;
}
.planner__dash-label {
  display: block;
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--white-40);
  margin-bottom: 6px;
}
.planner__dash-amount {
  font-family: 'Inter', sans-serif;
  font-size: 44px;
  font-weight: 700;
  color: var(--gold);
  line-height: 1.1;
  letter-spacing: -0.02em;
}

/* ── Donut (inside dashboard) ────────────── */
.planner__dash-payment {
  display: flex;
  align-items: center;
  gap: 24px;
}
.planner__donut-wrap {
  position: relative;
  flex-shrink: 0;
  width: 130px;
  height: 130px;
}
.planner__donut-svg {
  width: 100%;
  height: 100%;
}
.planner__donut-center {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
}
.planner__donut-total {
  font-family: 'Inter', sans-serif;
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
  line-height: 1;
  letter-spacing: -0.02em;
}
.planner__donut-label {
  font-family: 'Inter', sans-serif;
  font-size: 11px;
  color: var(--white-40);
}
.planner__donut-legend {
  display: flex;
  flex-direction: column;
  gap: 8px;
  flex: 1;
  min-width: 0;
}
.planner__dl-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  color: var(--white-60);
}
.planner__dl-item strong {
  margin-left: auto;
  color: var(--white);
  font-size: 13px;
}
.planner__dl-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  flex-shrink: 0;
}

/* ── Scenarios ───────────────────────────── */
.planner__scenarios-wrap {
  border-top: 1px solid rgba(255,255,255,0.06);
  padding-top: 20px;
}
.planner__scenarios-title {
  display: block;
  font-family: 'Inter', sans-serif;
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--white-40);
  margin-bottom: 14px;
}
.planner__scenarios {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
}
.planner__scenario {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: 10px;
  padding: 14px 8px;
  text-align: center;
  display: flex;
  flex-direction: column;
  gap: 4px;
  position: relative;
  transition: border-color 0.3s, background 0.3s;
}
.planner__scenario--active {
  border-color: var(--gold);
  background: rgba(200,170,110,0.08);
}
.planner__scenario-pct {
  font-family: 'Inter', sans-serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--white);
}
.planner__scenario-down {
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  color: var(--gold);
}
.planner__scenario-pay {
  font-family: 'Inter', sans-serif;
  font-size: 11px;
  color: var(--white-40);
}
.planner__scenario-badge {
  position: absolute;
  top: -8px;
  right: -4px;
  background: var(--gold);
  color: var(--navy);
  font-family: 'Inter', sans-serif;
  font-size: 9px;
  font-weight: 700;
  padding: 2px 6px;
  border-radius: 4px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

/* ── DTI Gauge ───────────────────────────── */
.planner__dti {
  border-top: 1px solid rgba(255,255,255,0.06);
  padding-top: 20px;
}
.planner__dti-header {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 10px;
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  color: var(--white-60);
}
.planner__dti-header strong {
  font-size: 18px;
  color: var(--white);
}
.planner__dti-track {
  position: relative;
  height: 10px;
  border-radius: 5px;
  background: linear-gradient(to right, #7bc8a4 0%, #7bc8a4 72%, #e8c85a 72%, #e8c85a 86%, #dc6464 86%, #dc6464 100%);
  margin-bottom: 6px;
}
.planner__dti-marker {
  position: absolute;
  top: -4px;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--white);
  border: 3px solid var(--navy);
  box-shadow: 0 0 8px rgba(0,0,0,0.4);
  transform: translateX(-50%);
  transition: left 0.4s ease;
}
.planner__dti-labels {
  display: flex;
  justify-content: space-between;
  font-family: 'Inter', sans-serif;
  font-size: 10px;
  color: var(--white-40);
}

/* ── Smart Tip ───────────────────────────── */
.planner__smart-tip {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 14px 16px;
  background: rgba(200,170,110,0.06);
  border: 1px solid rgba(200,170,110,0.1);
  border-radius: 10px;
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  color: var(--gold);
  line-height: 1.5;
}
.planner__smart-tip svg {
  flex-shrink: 0;
  width: 18px;
  height: 18px;
  margin-top: 1px;
}

/* ── Approval Meter ──────────────────────── */
.planner__approval {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: 12px;
  padding: 18px;
  margin: 20px 0 24px;
}
.planner__approval-header {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 10px;
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  color: var(--white-60);
}
.planner__approval-header strong {
  font-size: 20px;
  color: var(--gold);
}
.planner__approval-bar {
  height: 10px;
  background: rgba(255,255,255,0.06);
  border-radius: 5px;
  overflow: hidden;
  margin-bottom: 8px;
}
.planner__approval-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--gold), #7bc8a4);
  border-radius: 5px;
  transition: width 0.5s ease;
}
.planner__approval-msg {
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  color: var(--white-40);
}

/* ── Accent variant for CTA button ───────── */
.planner__next--accent {
  background: linear-gradient(135deg, var(--gold), #b8943e);
  font-size: 17px;
  padding: 18px;
  border-radius: 12px;
}

/* ── Financial Summary Grid ──────────────── */
.planner__fin-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 32px;
}
.planner__fin-card {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: 12px;
  padding: 18px 14px;
  text-align: center;
}
.planner__fin-label {
  display: block;
  font-family: 'Inter', sans-serif;
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--white-40);
  margin-bottom: 6px;
}
.planner__fin-val {
  font-family: 'Inter', sans-serif;
  font-size: 22px;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: -0.02em;
}

/* ── Visual Timeline ─────────────────────── */
.planner__tl {
  margin-bottom: 32px;
}
.planner__tl-heading {
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  font-weight: 600;
  color: var(--white-60);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 20px;
  margin-top: 0;
}
.planner__tl-track {
  position: relative;
  padding-left: 28px;
  display: flex;
  flex-direction: column;
  gap: 0;
}
.planner__tl-track::before {
  content: '';
  position: absolute;
  left: 7px;
  top: 6px;
  bottom: 6px;
  width: 2px;
  background: rgba(255,255,255,0.08);
}
.planner__tl-mile {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 12px 0;
  position: relative;
}
.planner__tl-dot {
  position: absolute;
  left: -28px;
  top: 16px;
  width: 16px;
  height: 16px;
  border-radius: 50%;
  background: rgba(255,255,255,0.1);
  border: 2px solid rgba(255,255,255,0.15);
  flex-shrink: 0;
}
.planner__tl-dot--gold {
  background: var(--gold);
  border-color: var(--gold);
  box-shadow: 0 0 12px rgba(200,170,110,0.4);
}
.planner__tl-mile div {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.planner__tl-mile strong {
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  font-weight: 600;
  color: var(--gold);
}
.planner__tl-mile span {
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  color: var(--white-60);
}
.planner__tl-mile--final strong {
  color: var(--white);
}

/* ── Deliverables Stack ──────────────────── */
.planner__deliverables {
  background: rgba(200,170,110,0.03);
  border: 1px solid rgba(200,170,110,0.1);
  border-radius: 16px;
  padding: 28px 24px;
  margin-bottom: 24px;
}
.planner__del-heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: 24px;
  font-weight: 700;
  color: var(--white);
  margin: 0 0 8px;
}
.planner__del-sub {
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  color: var(--white-40);
  margin-bottom: 20px;
  line-height: 1.5;
}
.planner__del-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.planner__del-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.planner__del-item svg {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  color: var(--white-40);
  margin-top: 2px;
}
.planner__del-item strong {
  display: block;
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  font-weight: 600;
  color: var(--white);
}
.planner__del-item span {
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  color: var(--white-40);
}
.planner__del-item--bonus {
  padding-top: 12px;
  border-top: 1px solid rgba(200,170,110,0.12);
  margin-top: 2px;
}
.planner__del-item--bonus svg { color: var(--gold); }
.planner__del-item--bonus strong { color: var(--gold); }

/* ── V2 Responsive ───────────────────────── */
@media (max-width: 600px) {
  .planner__dash-amount {
    font-size: 38px;
  }
  .planner__dash-payment {
    flex-direction: column;
    align-items: center;
  }
  .planner__donut-legend {
    flex-direction: row;
    flex-wrap: wrap;
    gap: 6px 16px;
    justify-content: center;
  }
  .planner__dl-item strong { margin-left: 4px; }
  .planner__scenarios {
    grid-template-columns: 1fr 1fr;
  }
  .planner__fin-val {
    font-size: 19px;
  }
  .planner__deliverables {
    padding: 22px 18px;
  }
  .planner__bp-preview {
    padding: 18px;
  }
  .planner__dashboard {
    padding: 22px 18px;
  }
}