/* =====================================================================
   My Shepherd Financial — styles
   Palette (from design brief): Deep Navy #0B1F3A · Slate Blue #355C7D · Warm Gold #C8A96B
   ===================================================================== */

:root {
  --navy: #0B1F3A;
  --navy-800: #102a4c;
  --navy-900: #071528;
  --slate: #355C7D;
  --slate-300: #6f8fa8;
  --gold: #C8A96B;
  --gold-600: #b0905a;
  --gold-200: #e6d6b3;
  --paper: #F7F5F0;
  --paper-2: #efeae0;
  --white: #ffffff;
  --ink: #1C2733;
  --ink-2: #4a5866;
  --line: rgba(11, 31, 58, .10);

  --font-display: "Cormorant Garamond", Georgia, "Times New Roman", serif;
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  --container: 1180px;
  --gutter: clamp(20px, 5vw, 48px);
  --radius: 14px;
  --shadow-1: 0 8px 30px rgba(11, 31, 58, .08);
  --shadow-2: 0 24px 60px rgba(11, 31, 58, .16);

  --ease-out: cubic-bezier(.22, 1, .36, 1);
  --dur: .8s;

  --nav-h: 76px;
  --regbar-h: 34px;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; overflow-x: hidden; overflow-x: clip; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.65;
  color: var(--ink);
  background: var(--paper);
  overflow-x: hidden;
  overflow-x: clip;
}
img, svg, picture { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul, ol { margin: 0; padding: 0; list-style: none; }
h1, h2, h3, h4 { margin: 0; font-family: var(--font-display); font-weight: 600; line-height: 1.1; letter-spacing: -.01em; }
p { margin: 0 0 1em; }
address { font-style: normal; }
sup { font-size: .55em; }

.container { width: min(var(--container), 100% - 2 * var(--gutter)); margin-inline: auto; }
.section { padding-block: clamp(72px, 10vw, 128px); }
.section__head { max-width: 720px; margin-bottom: clamp(40px, 6vw, 72px); }
.section__head--light { color: var(--white); }

h2 { font-size: clamp(2rem, 4.2vw, 3.25rem); }
h2 em, h1 em { font-style: italic; font-weight: 500; color: var(--gold); }
.section h2 em { color: var(--slate); }
.process h2 em, .cta h2 em, .band h2 em { color: var(--gold); }
.lead { font-size: 1.15rem; color: var(--ink-2); }

.eyebrow {
  display: inline-flex; align-items: center; gap: 12px;
  margin: 0 0 18px;
  font-size: .78rem; font-weight: 600; letter-spacing: .18em; text-transform: uppercase;
  color: var(--gold);
}
.eyebrow::before { content: ""; width: 34px; height: 1px; background: currentColor; opacity: .8; }
.eyebrow--dark { color: var(--slate); }

.skip-link {
  position: absolute; left: 12px; top: -60px; z-index: 200;
  padding: 10px 14px; background: var(--gold); color: var(--navy); border-radius: 8px; font-weight: 600;
}
.skip-link:focus { top: 12px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 14px 26px; border-radius: 999px;
  font-weight: 600; font-size: .95rem; letter-spacing: .01em; line-height: 1.25; text-align: center;
  border: 1.5px solid transparent;
  transition: transform .35s var(--ease-out), box-shadow .35s var(--ease-out), background-color .25s, color .25s, border-color .25s;
  will-change: transform;
}
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn--gold { background: var(--gold); color: var(--navy); box-shadow: 0 10px 24px rgba(200, 169, 107, .28); }
.btn--gold:hover { background: var(--gold-200); box-shadow: 0 14px 30px rgba(200, 169, 107, .36); }
.btn--ghost { color: var(--white); border-color: rgba(255, 255, 255, .45); backdrop-filter: blur(4px); }
.btn--ghost:hover { border-color: var(--white); background: rgba(255, 255, 255, .08); }
.btn--lg { padding: 18px 32px; font-size: 1rem; }

/* ---------- Regulatory bar ---------- */
.reg-bar {
  background: var(--navy-900); color: rgba(255, 255, 255, .78);
  font-size: .8rem; text-align: center; min-height: var(--regbar-h);
  display: flex; align-items: center; justify-content: center; padding: 6px var(--gutter);
  position: relative; z-index: 60;
}
.reg-bar p { margin: 0; }
.reg-bar a { color: var(--gold); text-decoration: underline; text-underline-offset: 3px; font-weight: 500; }

/* ---------- Header / nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(11, 31, 58, .72);
  backdrop-filter: saturate(140%) blur(14px);
  -webkit-backdrop-filter: saturate(140%) blur(14px);
  border-bottom: 1px solid rgba(255, 255, 255, .06);
  transition: background-color .4s, box-shadow .4s, transform .4s var(--ease-out);
}
.site-header.is-scrolled { background: rgba(11, 31, 58, .94); box-shadow: 0 10px 30px rgba(0, 0, 0, .18); }
.site-header.is-hidden { transform: translateY(-100%); }

.nav { height: var(--nav-h); display: flex; align-items: center; justify-content: space-between; gap: 24px; }

.brand { display: inline-flex; align-items: center; gap: 12px; color: var(--white); }
.brand__icon { width: 44px; height: 44px; filter: drop-shadow(0 2px 6px rgba(0, 0, 0, .35)); }
.brand__word { display: flex; flex-direction: column; line-height: 1.05; }
.brand__name { font-family: var(--font-display); font-weight: 700; font-size: 1.25rem; letter-spacing: .06em; text-transform: uppercase; }
.brand__tag { font-size: .68rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gold); opacity: .9; }

.nav__menu { display: flex; align-items: center; gap: 28px; }
.nav__links { display: flex; gap: 26px; }
.nav__links a {
  position: relative; color: rgba(255, 255, 255, .86); font-size: .92rem; font-weight: 500; padding: 6px 0;
  transition: color .25s;
}
.nav__links a::after {
  content: ""; position: absolute; left: 0; bottom: 0; height: 1.5px; width: 100%;
  background: var(--gold); transform: scaleX(0); transform-origin: right; transition: transform .35s var(--ease-out);
}
.nav__links a:hover, .nav__links a.is-active { color: var(--white); }
.nav__links a:hover::after, .nav__links a.is-active::after { transform: scaleX(1); transform-origin: left; }
.nav__cta { padding: 11px 20px; font-size: .88rem; }

.nav__toggle {
  display: none; width: 44px; height: 44px; padding: 10px; border: 0; background: transparent; cursor: pointer;
  flex-direction: column; justify-content: center; gap: 5px;
}
.nav__toggle span { display: block; height: 2px; width: 100%; background: var(--white); border-radius: 2px; transition: transform .35s var(--ease-out), opacity .25s; }
.nav__toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav__toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav__toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero {
  position: relative; isolation: isolate; overflow: hidden;
  min-height: calc(100svh - var(--nav-h) - var(--regbar-h));
  display: grid; align-items: center;
  background: linear-gradient(160deg, var(--navy-800) 0%, var(--navy) 45%, var(--navy-900) 100%);
  color: var(--white);
  padding-block: clamp(96px, 14vh, 160px);
}
.hero__bg { position: absolute; inset: 0; z-index: -1; }
.hero__pattern { position: absolute; inset: -10%; width: 120%; height: 120%; opacity: .9; will-change: transform; }
.hero__orb { position: absolute; border-radius: 50%; filter: blur(60px); opacity: .55; will-change: transform; }
.hero__orb--1 { width: 46vw; height: 46vw; right: -12vw; top: -14vw; background: radial-gradient(circle, rgba(53, 92, 125, .9), rgba(53, 92, 125, 0) 70%); animation: drift 18s ease-in-out infinite alternate; }
.hero__orb--2 { width: 34vw; height: 34vw; left: -10vw; bottom: -14vw; background: radial-gradient(circle, rgba(200, 169, 107, .35), rgba(200, 169, 107, 0) 70%); animation: drift 22s ease-in-out infinite alternate-reverse; }
@keyframes drift { from { transform: translate3d(0, 0, 0) scale(1); } to { transform: translate3d(-4vw, 3vw, 0) scale(1.08); } }

.hero__inner { max-width: 820px; position: relative; }
.hero__title { font-size: clamp(2.7rem, 7vw, 5.4rem); line-height: .98; font-weight: 600; margin-bottom: 26px; }
.hero__title .line { display: block; }
.hero__sub { font-size: clamp(1.05rem, 1.6vw, 1.3rem); color: rgba(255, 255, 255, .8); max-width: 640px; margin-bottom: 36px; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 14px; }

.hero__scroll { position: absolute; left: 50%; bottom: 26px; transform: translateX(-50%); width: 24px; height: 60px; display: grid; place-items: center; }
.hero__scroll-line { display: block; width: 1px; height: 100%; background: linear-gradient(to bottom, rgba(200, 169, 107, 0), var(--gold), rgba(200, 169, 107, 0)); animation: scrollcue 2.2s ease-in-out infinite; }
@keyframes scrollcue { 0% { transform: translateY(-40%) scaleY(.4); opacity: 0; } 50% { opacity: 1; } 100% { transform: translateY(40%) scaleY(.4); opacity: 0; } }

/* ---------- Intro ---------- */
.intro { background: var(--paper); position: relative; }
.intro__grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: clamp(40px, 6vw, 96px); align-items: start; }
.intro__copy h2 { margin-bottom: 22px; }
.pillars { display: grid; gap: 16px; }
.pillar {
  display: grid; grid-template-columns: 48px 1fr; grid-template-rows: auto auto; column-gap: 18px;
  padding: 22px 24px; background: var(--white); border-radius: var(--radius); border: 1px solid var(--line);
  box-shadow: var(--shadow-1); transition: transform .5s var(--ease-out), box-shadow .5s var(--ease-out);
}
.pillar:hover { transform: translateY(-4px); box-shadow: var(--shadow-2); }
.pillar svg { grid-row: 1 / span 2; width: 44px; height: 44px; padding: 10px; border-radius: 12px; background: var(--navy); stroke: var(--gold); fill: none; stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; }
.pillar h3 { font-size: 1.35rem; color: var(--navy); }
.pillar p { margin: 2px 0 0; font-size: .95rem; color: var(--ink-2); }

/* ---------- Who we serve ---------- */
.serve { background: var(--white); position: relative; }
.serve::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 1px; background: linear-gradient(90deg, transparent, var(--gold), transparent); opacity: .6; }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.card {
  position: relative; padding: 36px 32px 32px; border-radius: 18px;
  background: var(--paper); border: 1px solid var(--line);
  transition: transform .55s var(--ease-out), box-shadow .55s var(--ease-out);
  overflow: hidden;
}
.card::after { content: ""; position: absolute; inset: auto 0 0 0; height: 3px; background: linear-gradient(90deg, var(--gold), var(--gold-200)); transform: scaleX(0); transform-origin: left; transition: transform .6s var(--ease-out); }
.card:hover { transform: translateY(-8px); box-shadow: var(--shadow-2); }
.card:hover::after { transform: scaleX(1); }
.card--featured { background: var(--navy); color: var(--white); }
.card--featured .card__icon { background: rgba(255, 255, 255, .08); }
.card--featured li { color: rgba(255, 255, 255, .82); }
.card--featured li::before { color: var(--gold); }
.card__icon { width: 60px; height: 60px; border-radius: 16px; background: var(--white); display: grid; place-items: center; margin-bottom: 24px; box-shadow: var(--shadow-1); }
.card__icon svg { width: 30px; height: 30px; stroke: var(--slate); fill: none; stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; }
.card--featured .card__icon svg { stroke: var(--gold); }
.card h3 { font-size: 1.75rem; margin-bottom: 16px; }
.card li { position: relative; padding: 9px 0 9px 26px; border-top: 1px solid var(--line); color: var(--ink-2); font-size: .97rem; }
.card--featured li { border-color: rgba(255, 255, 255, .1); }
.card li::before { content: "\2192"; position: absolute; left: 0; top: 9px; color: var(--gold-600); font-weight: 600; }

/* ---------- Process ---------- */
.process { background: var(--navy); color: var(--white); position: relative; overflow: hidden; }
.process::before {
  content: ""; position: absolute; inset: 0; pointer-events: none; opacity: .5;
  background: radial-gradient(60% 80% at 85% 20%, rgba(53, 92, 125, .8), transparent 70%), radial-gradient(40% 60% at 10% 90%, rgba(200, 169, 107, .18), transparent 70%);
}
.steps { position: relative; display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; counter-reset: step; }
.steps__track { position: absolute; left: 0; right: 0; top: 30px; height: 2px; background: rgba(255, 255, 255, .12); }
.steps__progress { height: 100%; width: 100%; background: linear-gradient(90deg, var(--gold), var(--gold-200)); transform: scaleX(0); transform-origin: left; transition: transform 1.4s var(--ease-out); }
.steps.is-visible .steps__progress { transform: scaleX(1); }
.step { position: relative; padding-top: 72px; }
.step__num {
  position: absolute; top: 0; left: 0; width: 62px; height: 62px; border-radius: 50%;
  display: grid; place-items: center; font-family: var(--font-display); font-weight: 700; font-size: 1.3rem;
  background: var(--navy); color: var(--gold); border: 2px solid var(--gold);
  box-shadow: 0 0 0 10px var(--navy);
  transition: background-color .5s, color .5s, transform .6s var(--ease-out);
}
.step:hover .step__num { background: var(--gold); color: var(--navy); transform: scale(1.06); }
.step h3 { font-size: 1.75rem; margin-bottom: 10px; color: var(--white); }
.step p { color: rgba(255, 255, 255, .78); font-size: .97rem; margin: 0; }

/* ---------- Why clients choose ---------- */
.why { background: var(--paper); }
.why__grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: clamp(40px, 7vw, 110px); align-items: center; }
.why__media { position: relative; }
.why__frame { position: relative; border-radius: 22px; overflow: hidden; box-shadow: var(--shadow-2); aspect-ratio: 4 / 5; }
.why__frame::before { content: ""; position: absolute; inset: -14px 14px 14px -14px; border: 1.5px solid var(--gold); border-radius: 26px; z-index: -1; }
.brand-panel {
  display: grid; place-items: center; align-content: center; gap: 28px; padding: 40px;
  background:
    radial-gradient(60% 50% at 50% 35%, rgba(53, 92, 125, .85), transparent 75%),
    linear-gradient(160deg, var(--navy-800), var(--navy) 55%, var(--navy-900));
  color: var(--white);
}
.brand-panel__pattern { position: absolute; inset: 0; width: 100%; height: 100%; }
.brand-panel img { position: relative; width: min(58%, 260px); height: auto; filter: drop-shadow(0 24px 40px rgba(0, 0, 0, .45)); transition: transform 1.2s var(--ease-out); }
.why__media:hover .brand-panel img { transform: translateY(-6px) scale(1.03); }
.brand-panel__words { position: relative; margin: 0; text-align: center; font-family: var(--font-display); font-size: clamp(1.25rem, 2vw, 1.6rem); font-weight: 500; font-style: italic; line-height: 1.3; color: var(--gold-200); letter-spacing: .01em; }
.why__quote {
  position: absolute; right: -18px; bottom: 34px; margin: 0; padding: 18px 24px;
  background: var(--navy); color: var(--white); border-radius: 12px; box-shadow: var(--shadow-2);
  font-family: var(--font-display); font-size: 1.4rem; font-style: italic; font-weight: 500; letter-spacing: .02em;
}
.why__quote p { margin: 0; }
.why__quote::before { content: ""; position: absolute; left: 0; top: 14px; bottom: 14px; width: 3px; background: var(--gold); border-radius: 3px; }
.why__copy h2 { margin-bottom: 30px; }
.checks { display: grid; gap: 14px; }
.checks li { display: flex; align-items: center; gap: 16px; padding: 16px 20px; background: var(--white); border-radius: 12px; border: 1px solid var(--line); font-weight: 500; transition: transform .5s var(--ease-out), box-shadow .5s var(--ease-out); }
.checks li:hover { transform: translateX(6px); box-shadow: var(--shadow-1); }
.check { flex: 0 0 26px; width: 26px; height: 26px; border-radius: 50%; background: var(--navy); position: relative; }
.check::after { content: ""; position: absolute; left: 9px; top: 5px; width: 6px; height: 11px; border: solid var(--gold); border-width: 0 2px 2px 0; transform: rotate(45deg); }

/* ---------- About band (parallax) ---------- */
.band { position: relative; overflow: hidden; color: var(--white); text-align: center; padding-block: clamp(96px, 14vw, 180px); isolation: isolate; }
.band__bg {
  position: absolute; inset: -20% 0; z-index: -1;
  background:
    radial-gradient(55% 70% at 20% 30%, rgba(53, 92, 125, .9), transparent 70%),
    radial-gradient(45% 60% at 85% 75%, rgba(200, 169, 107, .22), transparent 70%),
    linear-gradient(160deg, var(--navy-800), var(--navy) 55%, var(--navy-900));
  will-change: transform;
}
.band__bg::after {
  content: ""; position: absolute; inset: 0; opacity: .9;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='90' height='156' viewBox='0 0 56 97'%3E%3Cpath d='M28 0 L56 16 L56 48 L28 64 L0 48 L0 16 Z M28 64 L56 80 L56 112 M0 80 L28 64' fill='none' stroke='rgba(200,169,107,0.14)' stroke-width='1'/%3E%3C/svg%3E");
  background-size: 90px 156px;
  mask-image: radial-gradient(70% 70% at 50% 50%, #000 40%, transparent 100%);
  -webkit-mask-image: radial-gradient(70% 70% at 50% 50%, #000 40%, transparent 100%);
}
.band__inner { max-width: 860px; }
.band__title { font-size: clamp(2.4rem, 6vw, 4.6rem); margin-bottom: 26px; letter-spacing: .02em; }
.band__title span { color: var(--gold); font-style: italic; font-weight: 500; }
.band__text { font-size: clamp(1.05rem, 1.5vw, 1.25rem); color: rgba(255, 255, 255, .86); margin: 0 auto; }

/* ---------- Advisor ---------- */
.advisor { background: var(--white); }
.advisor__grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: clamp(40px, 6vw, 96px); align-items: center; }
.advisor__copy h2 { margin-bottom: 24px; }
.advisor__copy p { color: var(--ink-2); }
.advisor__card { background: var(--paper); border-radius: 22px; overflow: hidden; border: 1px solid var(--line); box-shadow: var(--shadow-2); }
.advisor__card img { width: 100%; aspect-ratio: 4 / 4.2; object-fit: cover; object-position: center 20%; }
.advisor__meta { padding: 26px 28px 28px; }
.advisor__meta h3 { font-size: 2rem; color: var(--navy); }
.advisor__title { color: var(--slate); font-weight: 600; margin: 4px 0 2px; }
.advisor__firm { font-size: .9rem; color: var(--ink-2); margin-bottom: 16px; }
.advisor__contact { display: grid; gap: 6px; font-size: .95rem; padding-top: 16px; border-top: 1px solid var(--line); }
.advisor__contact a { color: var(--navy); font-weight: 500; }
.advisor__contact a:hover { color: var(--slate); text-decoration: underline; text-underline-offset: 3px; }
.advisor__bc { margin: 16px 0 0; font-size: .82rem; color: var(--ink-2); }
.advisor__bc a { color: var(--slate); text-decoration: underline; text-underline-offset: 3px; font-weight: 500; }
.award { display: grid; grid-template-columns: 104px 1fr; gap: 22px; align-items: center; margin-top: 32px; padding: 22px 24px; background: var(--navy); color: var(--white); border-radius: 16px; border-left: 3px solid var(--gold); box-shadow: var(--shadow-2); }
.award__seal img { display: block; width: 104px; height: 104px; filter: drop-shadow(0 6px 14px rgba(0, 0, 0, .35)); }
.advisor__copy .award__label { margin: 0 0 4px; font-size: .72rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gold); }
.award__title { margin: 0 0 8px; font-size: 1.35rem; line-height: 1.25; color: var(--white); }
.advisor__copy .award__text { margin: 0; font-size: .93rem; line-height: 1.6; color: rgba(255, 255, 255, .78); }
.award__text sup a { color: var(--gold); text-decoration: none; }

/* ---------- CTA ---------- */
.cta { background: linear-gradient(160deg, var(--slate) 0%, var(--navy) 55%, var(--navy-900) 100%); color: var(--white); padding-block: clamp(80px, 11vw, 140px); position: relative; overflow: hidden; }
.cta::before { content: ""; position: absolute; width: 60vw; height: 60vw; right: -25vw; top: -30vw; border-radius: 50%; border: 1px solid rgba(200, 169, 107, .25); }
.cta::after { content: ""; position: absolute; width: 60vw; height: 60vw; right: -20vw; top: -25vw; border-radius: 50%; border: 1px solid rgba(200, 169, 107, .15); }
.cta__inner { display: grid; grid-template-columns: 1.2fr .8fr; gap: clamp(40px, 6vw, 96px); align-items: center; position: relative; }
.cta__copy h2 { margin-bottom: 20px; }
.cta__copy p { color: rgba(255, 255, 255, .82); font-size: 1.1rem; max-width: 560px; }
.cta__actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 30px; }
.contact-card { background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .14); backdrop-filter: blur(8px); border-radius: 20px; padding: 32px; }
.contact-card h3 { font-size: 1.8rem; margin-bottom: 18px; color: var(--gold); }
.contact-card dl { display: grid; grid-template-columns: auto 1fr; gap: 10px 20px; margin: 0; font-size: .95rem; }
.contact-card dt { color: rgba(255, 255, 255, .6); font-size: .78rem; letter-spacing: .12em; text-transform: uppercase; padding-top: 3px; }
.contact-card dd { margin: 0; color: var(--white); }
.contact-card a:hover { color: var(--gold); text-decoration: underline; text-underline-offset: 3px; }
.phone-note { font-size: .82em; font-style: italic; opacity: .7; white-space: nowrap; }

/* ---------- Footer / disclosures ---------- */
.footer { background: var(--navy-900); color: rgba(255, 255, 255, .72); padding: 64px 0 32px; font-size: .9rem; }
.footer__top { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; padding-bottom: 36px; border-bottom: 1px solid rgba(255, 255, 255, .1); }
.brand--footer .brand__name { font-size: 1.45rem; }
.footer__links { display: grid; gap: 10px; align-content: start; }
.footer__links a { color: rgba(255, 255, 255, .8); text-decoration: underline; text-underline-offset: 3px; text-decoration-color: rgba(200, 169, 107, .5); }
.footer__links a:hover { color: var(--gold); }
.disclosures { padding: 36px 0 24px; max-width: 980px; }
.disclosures__title { font-size: 1.4rem; color: var(--white); margin-bottom: 16px; }
.disclosures p { font-size: .84rem; line-height: 1.7; color: rgba(255, 255, 255, .66); }
.disclosures a { color: var(--gold); text-decoration: underline; text-underline-offset: 3px; }
.todo { color: #ffb4a2; font-weight: 600; }
.footer__bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px; padding-top: 24px; border-top: 1px solid rgba(255, 255, 255, .1); font-size: .82rem; }
.footer__bottom p { margin: 0; }
.to-top { color: var(--gold); font-weight: 500; }

/* ---------- Scroll reveal ---------- */
.reveal { opacity: 0; transform: translate3d(0, 28px, 0); transition: opacity var(--dur) var(--ease-out), transform var(--dur) var(--ease-out); transition-delay: var(--d, 0ms); will-change: opacity, transform; }
.reveal--left { transform: translate3d(-40px, 0, 0); }
.reveal--right { transform: translate3d(40px, 0, 0); }
.reveal.is-visible { opacity: 1; transform: none; }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .cards { grid-template-columns: 1fr 1fr; }
  .card--featured { grid-column: span 2; }
  .steps { grid-template-columns: 1fr 1fr; row-gap: 48px; }
  .steps__track { display: none; }
  .intro__grid, .advisor__grid, .why__grid, .cta__inner { grid-template-columns: 1fr; }
  .why__media { max-width: 460px; }
  .advisor__card { max-width: 480px; }
}

@media (max-width: 860px) {
  :root { --nav-h: 68px; }
  .nav__toggle { display: flex; }
  .nav__menu {
    /* absolute (not fixed): the header's backdrop-filter makes it the containing block anyway */
    position: absolute; top: 100%; left: 0; right: 0; min-height: calc(100svh - var(--nav-h)); z-index: 40;
    flex-direction: column; align-items: flex-start; justify-content: flex-start; gap: 8px;
    padding: 28px var(--gutter) 40px;
    background: var(--navy-900);
    transform: translateY(-8px); opacity: 0; pointer-events: none; visibility: hidden;
    transition: opacity .35s var(--ease-out), transform .35s var(--ease-out), visibility 0s linear .35s;
    overflow-y: auto;
  }
  .nav__menu.is-open { transform: none; opacity: 1; pointer-events: auto; visibility: visible; transition-delay: 0s; }
  .nav__links { flex-direction: column; gap: 4px; width: 100%; }
  .nav__links a { display: block; font-size: 1.35rem; font-family: var(--font-display); font-weight: 600; padding: 14px 0; border-bottom: 1px solid rgba(255, 255, 255, .08); }
  .nav__links a::after { display: none; }
  .nav__cta { margin-top: 20px; width: 100%; padding: 16px; font-size: 1rem; }
  .brand__tag { display: none; }
  .brand__name { font-size: clamp(.9rem, 4.4vw, 1.05rem); letter-spacing: .05em; }
  .brand { min-width: 0; }
  body.nav-open { overflow: hidden; }
}

@media (max-width: 640px) {
  .cards, .steps { grid-template-columns: 1fr; }
  .card--featured { grid-column: auto; }
  .hero { padding-block: 72px 110px; }
  .hero__actions .btn { width: 100%; }
  .cta__actions .btn { width: 100%; }
  .why__quote { right: 8px; bottom: 16px; font-size: 1.15rem; padding: 14px 18px; }
  .footer__top { grid-template-columns: 1fr; }
  .contact-card dl { grid-template-columns: 1fr; gap: 4px; }
  .contact-card dt { margin-top: 10px; }
  .pillar { grid-template-columns: 44px 1fr; }
  .award { grid-template-columns: 1fr; gap: 14px; padding: 20px; }
  .award__seal img { width: 88px; height: 88px; }
  .reg-bar { font-size: .74rem; }
}

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; transition: none; }
  .hero__orb, .hero__scroll-line { animation: none; }
  .hero__pattern, .band__bg { transform: none !important; }
  .steps__progress { transition: none; }
  * { transition-duration: .01ms !important; }
}