/* =========================================================
   InsuranceVilla — Design System
   Palette: deep navy (trust) + warm amber (optimism/legacy)
   Type: Fraunces (serif, editorial warmth) + Inter (sans, clarity)
   ========================================================= */

:root {
  --navy-950: #0a1b30;
  --navy-900: #0d2440;
  --navy-800: #13315c;
  --navy-700: #1c4172;
  --navy-100: #e7ecf3;
  --amber-600: #b8842e;
  --amber-500: #c9962f;
  --amber-400: #d9ac52;
  --amber-100: #f7ecd8;
  --cream-50: #faf8f4;
  --cream-100: #f4f0e8;
  --paper: #fffdf9;
  --ink-900: #1c2430;
  --ink-700: #3d4657;
  --ink-500: #656f80;
  --ink-300: #a6afbd;
  --line: #e3ddcf;
  --success: #4f7a5c;

  --font-serif: "Fraunces", Georgia, "Times New Roman", serif;
  --font-sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  --container: 1120px;
  --radius: 6px;
  --shadow-sm: 0 1px 2px rgba(13, 36, 64, 0.06), 0 1px 1px rgba(13, 36, 64, 0.04);
  --shadow-md: 0 8px 24px rgba(13, 36, 64, 0.08);
  --ease: cubic-bezier(0.4, 0, 0.2, 1);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-sans);
  color: var(--ink-900);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  line-height: 1.65;
}

img { max-width: 100%; display: block; }
a { color: inherit; }

h1, h2, h3, h4 {
  font-family: var(--font-serif);
  font-weight: 600;
  line-height: 1.15;
  margin: 0 0 0.5em;
  color: var(--navy-900);
  letter-spacing: -0.01em;
}

h1 { font-size: clamp(2.2rem, 4.2vw, 3.4rem); }
h2 { font-size: clamp(1.7rem, 3vw, 2.35rem); }
h3 { font-size: clamp(1.25rem, 2vw, 1.55rem); }

p { margin: 0 0 1.1em; color: var(--ink-700); }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

.section {
  padding: clamp(56px, 8vw, 104px) 0;
}
.section--tint { background: var(--cream-100); }
.section--navy {
  background: linear-gradient(160deg, var(--navy-950), var(--navy-800));
  color: #eef1f6;
}
.section--navy h2, .section--navy h3, .section--navy h1 { color: #fff; }
.section--navy p { color: #c7d0de; }

/* Cards keep their light paper background regardless of section color, so
   their contents must opt back out of the navy section's white/light text. */
.section--navy .card h3,
.section--navy .card h4 { color: var(--navy-800); }
.section--navy .card p,
.section--navy .card li { color: var(--ink-700); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-sans);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--amber-600);
  margin-bottom: 14px;
}
.eyebrow::before {
  content: "";
  width: 22px;
  height: 2px;
  background: var(--amber-500);
}
.section--navy .eyebrow { color: var(--amber-400); }

.lede {
  font-size: clamp(1.05rem, 1.4vw, 1.25rem);
  color: var(--ink-700);
  max-width: 62ch;
}
.section--navy .lede { color: #d3dae5; }

/* ---------- Nav ---------- */
.nav {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(250, 248, 244, 0.92);
  backdrop-filter: saturate(180%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.nav__inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 14px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.2rem;
  color: var(--navy-900);
}
.brand__mark {
  height: 38px;
  width: auto;
  object-fit: contain;
  flex-shrink: 0;
}
.nav__links {
  display: flex;
  align-items: center;
  gap: 30px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav__links a {
  text-decoration: none;
  font-size: 0.94rem;
  font-weight: 500;
  color: var(--ink-700);
  transition: color 0.2s var(--ease);
  position: relative;
}
.nav__links a:hover { color: var(--navy-900); }
.nav__links a.is-active { color: var(--navy-900); font-weight: 600; }
.nav__cta {
  background: var(--navy-900);
  color: #fff !important;
  padding: 10px 18px;
  border-radius: 4px;
  font-weight: 600 !important;
}
.nav__cta:hover { background: var(--navy-800); }
.nav__toggle { display: none; }

/* ---------- Nav dropdown (Guides) ---------- */
.nav__item--dropdown { position: relative; }
.nav__dropdown-trigger {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  font-family: var(--font-sans);
  font-size: 0.94rem;
  font-weight: 500;
  padding: 0;
  transition: color 0.2s var(--ease);
}
.nav__dropdown-trigger svg { width: 9px; height: 9px; transition: transform 0.2s var(--ease); }
.nav__dropdown-trigger { color: var(--ink-700); }
.nav__dropdown-trigger:hover { color: var(--navy-900); }
.nav__dropdown-trigger.is-active { color: var(--navy-900); font-weight: 600; }
.nav__item--dropdown.is-open .nav__dropdown-trigger svg { transform: rotate(180deg); }
.nav__dropdown {
  list-style: none;
  margin: 0;
  padding: 10px;
  position: absolute;
  top: calc(100% + 14px);
  left: 50%;
  transform: translate(-50%, -6px);
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: var(--shadow-md);
  min-width: 210px;
  display: grid;
  gap: 2px;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: opacity 0.18s var(--ease), transform 0.18s var(--ease), visibility 0.18s;
  z-index: 60;
}
.nav__item--dropdown.is-open .nav__dropdown {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translate(-50%, 0);
}
.nav__dropdown a {
  display: block;
  padding: 9px 12px;
  border-radius: 5px;
  font-size: 0.9rem;
  white-space: nowrap;
}
.nav__dropdown a:hover { background: var(--cream-100); }
.nav__dropdown a.is-active { background: var(--amber-100); color: var(--amber-600); font-weight: 600; }
.nav__dropdown-label {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-300);
  padding: 10px 12px 4px;
}
.nav__dropdown-label:first-child { padding-top: 2px; }
.nav__dropdown-label:not(:first-child) { margin-top: 4px; padding-top: 10px; border-top: 1px solid var(--line); }

@media (max-width: 860px) {
  .nav__links { position: fixed; inset: 62px 0 0 0; background: var(--paper); flex-direction: column; align-items: flex-start; padding: 28px 24px; gap: 20px; transform: translateY(-8px); opacity: 0; pointer-events: none; transition: all 0.25s var(--ease); overflow-y: auto; }
  .nav__links.is-open { transform: translateY(0); opacity: 1; pointer-events: auto; }
  .nav__toggle { display: block; background: none; border: none; font-size: 1.4rem; cursor: pointer; color: var(--navy-900); }
  .nav__item--dropdown { width: 100%; }
  .nav__dropdown-trigger { font-size: 0.94rem; font-weight: 500; color: var(--ink-700); width: 100%; justify-content: space-between; }
  .nav__dropdown {
    position: static;
    transform: none;
    box-shadow: none;
    border: none;
    border-left: 2px solid var(--line);
    border-radius: 0;
    background: none;
    padding: 6px 0 0 16px;
    margin-top: 10px;
    display: none;
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    min-width: 0;
  }
  .nav__item--dropdown.is-open .nav__dropdown { display: grid; }
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 4px;
  font-weight: 600;
  font-size: 0.98rem;
  text-decoration: none;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform 0.15s var(--ease), box-shadow 0.15s var(--ease), background 0.15s var(--ease);
}
.btn--primary { background: var(--amber-500); color: var(--navy-950); }
.btn--primary:hover { background: var(--amber-400); box-shadow: var(--shadow-md); transform: translateY(-1px); }
.btn--ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,0.35); }
.btn--ghost:hover { border-color: #fff; }
.btn--outline { background: transparent; border-color: var(--navy-900); color: var(--navy-900); }
.btn--outline:hover { background: var(--navy-900); color: #fff; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background: radial-gradient(ellipse at top right, #16386a 0%, var(--navy-950) 62%);
  color: #fff;
  overflow: hidden;
}
.hero__inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: clamp(72px, 11vw, 132px) 24px clamp(64px, 9vw, 108px);
  position: relative;
  z-index: 2;
}
.hero__kicker {
  font-size: 0.82rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--amber-400);
  font-weight: 700;
  margin-bottom: 18px;
  text-shadow: 0 1px 3px rgba(0, 0, 0, 0.35);
}
.hero h1 { color: #fff; max-width: 18ch; text-shadow: 0 2px 6px rgba(0, 0, 0, 0.35); }
.hero__sub { color: #cdd6e3; font-size: 1.15rem; max-width: 46ch; margin: 20px 0 34px; text-shadow: 0 1px 3px rgba(0, 0, 0, 0.4); }
.hero__actions { display: flex; gap: 16px; flex-wrap: wrap; }

.hero__inner--split {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: center;
}
.hero__content { max-width: 46ch; }
.hero__content .hero__sub { max-width: none; }

.hero__form {
  background: #fff;
  border-radius: var(--radius, 10px);
  box-shadow: var(--shadow-md, 0 12px 32px rgba(0,0,0,0.28));
  padding: 32px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  position: relative;
  top: -90px;
}
.hero__form-title {
  font-family: var(--font-serif);
  color: var(--navy-900);
  font-size: 1.4rem;
  margin: 0;
}
.hero__form-sub { color: #566072; font-size: 0.92rem; margin: -8px 0 4px; }

.hero__form .field { display: flex; flex-direction: column; gap: 6px; }
.hero__form label { font-size: 0.85rem; font-weight: 600; color: var(--navy-800); }
.hero__form input[type="text"],
.hero__form input[type="email"],
.hero__form input[type="tel"],
.hero__form textarea {
  font-family: var(--font-sans);
  font-size: 0.95rem;
  padding: 10px 12px;
  border: 1px solid #d5dae2;
  border-radius: 6px;
  color: var(--navy-900);
  background: #fbfcfd;
}
.hero__form input:focus,
.hero__form textarea:focus {
  outline: none;
  border-color: var(--amber-500);
  box-shadow: 0 0 0 3px rgba(201, 150, 47, 0.18);
}
.hero__form textarea { resize: vertical; }

.field--hp {
  position: absolute;
  width: 1px; height: 1px;
  overflow: hidden;
  opacity: 0;
  pointer-events: none;
}

.field--consent {
  flex-direction: row !important;
  align-items: flex-start;
  gap: 10px !important;
  font-size: 0.82rem;
  font-weight: 400 !important;
  color: #566072;
  cursor: pointer;
}
.field--consent input[type="checkbox"] {
  margin-top: 3px;
  width: 16px;
  height: 16px;
  accent-color: var(--amber-500);
  flex-shrink: 0;
}

.hero__form-submit { width: 100%; justify-content: center; }
.hero__form-status { margin: 0; font-size: 0.85rem; min-height: 1.2em; }
.hero__form-status.is-success { color: #2f9e58; }
.hero__form-status.is-error { color: #c0392b; }

@media (max-width: 880px) {
  .hero__inner--split { grid-template-columns: 1fr; }
  .hero__content { max-width: none; }
}
.hero__art {
  position: absolute; inset: 0; z-index: 1; opacity: 0.5;
  background: url('../img/hero-texture.svg') no-repeat center/cover;
}
.hero__art--photo {
  opacity: 1;
  background: url('../img/index_hero.jpeg') no-repeat center/cover;
}
.hero__art--photo::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, var(--navy-950) 0%, var(--navy-950) 26%, rgba(10, 27, 48, 0.6) 42%, rgba(10, 27, 48, 0.12) 100%);
}
.hero__art--family {
  opacity: 1;
  background: url('../img/family_protection_hero.jpeg') no-repeat center 30%/cover;
}
.hero__art--family::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, var(--navy-950) 0%, var(--navy-950) 26%, rgba(10, 27, 48, 0.6) 42%, rgba(10, 27, 48, 0.12) 100%);
}
.hero__art--advice {
  opacity: 1;
  background: url('../img/advice_hero.jpeg') no-repeat center/cover;
}
.hero__art--advice::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, var(--navy-950) 0%, var(--navy-950) 26%, rgba(10, 27, 48, 0.6) 42%, rgba(10, 27, 48, 0.12) 100%);
}

.hero__art--illness {
  opacity: 1;
  background: url('../img/critical_illness_hero.jpeg') no-repeat center/cover;
}
.hero__art--illness::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, var(--navy-950) 0%, var(--navy-950) 26%, rgba(10, 27, 48, 0.6) 42%, rgba(10, 27, 48, 0.12) 100%);
}

.hero__art--hardtoinsure {
  opacity: 1;
  background: url('../img/hard-to-insure_hero.jpeg') no-repeat center/cover;
}
.hero__art--hardtoinsure::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, var(--navy-950) 0%, var(--navy-950) 26%, rgba(10, 27, 48, 0.6) 42%, rgba(10, 27, 48, 0.12) 100%);
}

.hero__art--mortgage {
  opacity: 1;
  background: url('../img/mortgage-protection_hero.jpeg') no-repeat center/cover;
}
.hero__art--mortgage::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, var(--navy-950) 0%, var(--navy-950) 26%, rgba(10, 27, 48, 0.6) 42%, rgba(10, 27, 48, 0.12) 100%);
}

.hero__art--newlywed {
  opacity: 1;
  background: url('../img/newlywed-planning_hero.jpeg') no-repeat center/cover;
}
.hero__art--newlywed::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, var(--navy-950) 0%, var(--navy-950) 26%, rgba(10, 27, 48, 0.6) 42%, rgba(10, 27, 48, 0.12) 100%);
}

.hero__art--giving {
  opacity: 1;
  background: url('../img/planned-giving_hero.jpeg') no-repeat center/cover;
}
.hero__art--giving::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, var(--navy-950) 0%, var(--navy-950) 26%, rgba(10, 27, 48, 0.6) 42%, rgba(10, 27, 48, 0.12) 100%);
}

.hero__art--executor {
  opacity: 1;
  background: url('../img/executor-guide_hero.jpeg') no-repeat center/cover;
}
.hero__art--executor::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, var(--navy-950) 0%, var(--navy-950) 26%, rgba(10, 27, 48, 0.6) 42%, rgba(10, 27, 48, 0.12) 100%);
}

.hero__art--poa {
  opacity: 1;
  background: url('../img/power-of-attorney_hero.jpeg') no-repeat center/cover;
}
.hero__art--poa::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, var(--navy-950) 0%, var(--navy-950) 26%, rgba(10, 27, 48, 0.6) 42%, rgba(10, 27, 48, 0.12) 100%);
}

.hero__art--rrsp {
  opacity: 1;
  background: url('../img/rrsp-creditor-protection_hero.jpeg') no-repeat center/cover;
}
.hero__art--rrsp::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, var(--navy-950) 0%, var(--navy-950) 26%, rgba(10, 27, 48, 0.6) 42%, rgba(10, 27, 48, 0.12) 100%);
}

.hero__art--specialneeds {
  opacity: 1;
  background: url('../img/special-needs-planning_hero.jpeg') no-repeat center/cover;
}
.hero__art--specialneeds::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, var(--navy-950) 0%, var(--navy-950) 34%, rgba(10, 27, 48, 0.65) 52%, rgba(10, 27, 48, 0.15) 100%);
}

.hero__art--churchgiving {
  opacity: 1;
  background: url('../img/church-planned-giving_hero.jpeg') no-repeat center/cover;
}
.hero__art--churchgiving::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, var(--navy-950) 0%, var(--navy-950) 34%, rgba(10, 27, 48, 0.65) 52%, rgba(10, 27, 48, 0.15) 100%);
}

.hero__art--travel {
  opacity: 1;
  background: url('../img/travel-safe-claims_hero.jpeg') no-repeat center/cover;
}
.hero__art--travel::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, var(--navy-950) 0%, var(--navy-950) 26%, rgba(10, 27, 48, 0.6) 42%, rgba(10, 27, 48, 0.12) 100%);
}

.split__media--photo {
  background: none;
  color: transparent;
}
.split__media--photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

/* Big question / statement banner */
.statement {
  text-align: center;
  padding: clamp(48px, 7vw, 84px) 0;
}
.statement h2 {
  max-width: 22ch;
  margin: 0 auto;
  font-size: clamp(1.6rem, 3.4vw, 2.6rem);
}
.statement--quote {
  font-family: var(--font-serif);
  font-style: italic;
  color: var(--navy-800);
}

/* ---------- Grid / Cards ---------- */
.grid {
  display: grid;
  gap: 28px;
}
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) {
  .grid--2, .grid--3, .grid--4 { grid-template-columns: 1fr; }
}

.card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s var(--ease), transform 0.2s var(--ease);
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.card__num {
  font-family: var(--font-serif);
  font-size: 0.95rem;
  color: var(--amber-600);
  font-weight: 700;
  margin-bottom: 12px;
}
.card h3 { margin-bottom: 10px; }
.card p:last-child { margin-bottom: 0; }
.card ul { padding-left: 1.1em; color: var(--ink-700); margin: 10px 0 0; }
.card li { margin-bottom: 6px; }

/* ---------- Stat callout ---------- */
.stat-band {
  display: grid;
  grid-template-columns: 1fr auto 1fr auto 1fr;
  align-items: center;
  gap: 32px;
  background: var(--navy-950);
  color: #fff;
  border-radius: 10px;
  padding: 40px 44px;
}
.stat-band__item { text-align: center; }
.stat-band__num {
  font-family: var(--font-serif);
  font-size: clamp(1.9rem, 4vw, 2.8rem);
  color: var(--amber-400);
  font-weight: 600;
}
.stat-band__label { color: #b9c3d3; font-size: 0.92rem; margin-top: 4px; }
.stat-band__arrow { color: var(--amber-400); font-size: 1.6rem; }
@media (max-width: 700px) {
  .stat-band { grid-template-columns: 1fr; text-align: center; }
  .stat-band__arrow { transform: rotate(90deg); }
}

/* ---------- Pull quote ---------- */
.pull {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: clamp(1.2rem, 2vw, 1.6rem);
  color: var(--navy-800);
  border-left: 3px solid var(--amber-500);
  padding: 4px 0 4px 26px;
  margin: 40px 0;
}

/* ---------- Checklist ---------- */
.checklist { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.checklist li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  color: var(--ink-700);
  font-size: 1rem;
}
.checklist li::before {
  content: "✓";
  flex-shrink: 0;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--amber-100);
  color: var(--amber-600);
  font-size: 0.75rem;
  font-weight: 700;
  display: grid;
  place-items: center;
  margin-top: 2px;
}

/* Neutral variant — a plain marker instead of a checkmark, for lists that
   aren't "things to do/have" (e.g. a list of medical conditions), where a
   green checkmark would misleadingly read as approval. */
.checklist--neutral li::before {
  content: "";
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--ink-300);
  margin-top: 9px;
}

/* ---------- FAQ ---------- */
.faq-item {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 20px 26px;
  margin-bottom: 12px;
}
.faq-item summary {
  font-family: var(--font-serif);
  font-weight: 600;
  color: var(--navy-800);
  cursor: pointer;
  list-style: none;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; float: right; color: var(--amber-600); font-weight: 700; }
.faq-item[open] summary::after { content: "\2212"; }
.faq-item p { color: var(--ink-700); margin: 14px 0 0; }
.faq-item .sources { margin-top: 0; }
.faq-item .sources a { color: var(--navy-800); font-weight: 600; }

/* ---------- Pyramid ---------- */
.pyramid { display: grid; gap: 10px; max-width: 760px; margin: 0 auto; }
.pyramid__level {
  padding: 20px 28px;
  border-radius: 6px;
  color: #fff;
  display: flex;
  flex-direction: column;
  gap: 4px;
  justify-content: center;
}
.pyramid__level small { text-transform: uppercase; letter-spacing: 0.1em; font-size: 0.7rem; opacity: 0.85; }
.pyramid__level strong { font-family: var(--font-serif); font-size: 1.05rem; font-weight: 600; }
.pyramid__level span { font-size: 0.88rem; opacity: 0.9; }
.pyramid__level--1 { background: var(--navy-950); width: 100%; }
.pyramid__level--2 { background: var(--navy-800); width: 92%; margin: 0 auto; }
.pyramid__level--3 { background: var(--navy-700); width: 84%; margin: 0 auto; }
.pyramid__level--4 { background: var(--amber-600); width: 76%; margin: 0 auto; color: var(--navy-950); }
.pyramid__level--5 { background: var(--amber-400); width: 68%; margin: 0 auto; color: var(--navy-950); }

/* ---------- Process / timeline (Before/During/After) ---------- */
.timeline { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
@media (max-width: 860px) { .timeline { grid-template-columns: 1fr; } }
.timeline__step {
  padding: 30px 26px;
  border-radius: var(--radius);
  background: var(--paper);
  border: 1px solid var(--line);
  border-top: 3px solid var(--amber-500);
}
.timeline__step h3 { font-size: 1.15rem; }
.timeline__tag { font-size: 0.75rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--amber-600); font-weight: 700; }

/* ---------- Two column with image ---------- */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}
@media (max-width: 900px) { .split { grid-template-columns: 1fr; } }
.split__media {
  border-radius: 10px;
  overflow: hidden;
  box-shadow: var(--shadow-md);
  aspect-ratio: 4/3;
  background: linear-gradient(150deg, var(--navy-800), var(--navy-950));
  display: grid;
  place-items: center;
  color: var(--ink-300);
  font-size: 0.85rem;
}

/* ---------- Cost breakdown table ---------- */
.cost-table {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  background: var(--paper);
}
.cost-table__row {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 20px;
  padding: 18px 24px;
  border-bottom: 1px solid var(--line);
  align-items: center;
}
.cost-table__row:last-child { border-bottom: none; }
.cost-table__row:nth-child(odd) { background: var(--cream-100); }
.cost-table__label { font-weight: 700; color: var(--navy-900); font-size: 0.98rem; }
.cost-table__note { color: var(--ink-700); font-size: 0.9rem; }
.cost-table__row--header {
  background: var(--navy-950) !important;
  color: #fff;
  font-weight: 700;
}
@media (max-width: 640px) {
  .cost-table__row { grid-template-columns: 1fr; gap: 4px; }
}

/* ---------- Recurring horizon motif (Value of Advice page) ---------- */
.horizon-motif {
  display: block;
  width: 100%;
  height: 34px;
  color: var(--amber-400);
}
.horizon-motif--hero {
  position: absolute;
  left: 0;
  right: 0;
  bottom: -1px;
  z-index: 2;
  opacity: 0.75;
}
.horizon-motif--divider {
  max-width: 220px;
  margin: 0 auto 22px;
  color: var(--amber-500);
  opacity: 0.55;
}
.horizon-motif--cta {
  max-width: 260px;
  margin: 0 auto 18px;
  color: var(--amber-400);
  opacity: 0.7;
}

/* ---------- Sticky in-page sub-nav ---------- */
.subnav {
  position: sticky;
  top: 63px;
  z-index: 40;
  background: rgba(250, 248, 244, 0.95);
  backdrop-filter: saturate(180%) blur(10px);
  border-bottom: 1px solid var(--line);
  overflow-x: auto;
}
.subnav__inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 12px 24px;
  display: flex;
  gap: 26px;
  white-space: nowrap;
}
.subnav a {
  text-decoration: none;
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--ink-500);
  letter-spacing: 0.01em;
  transition: color 0.2s var(--ease);
  padding: 2px 0;
  border-bottom: 2px solid transparent;
}
.subnav a:hover { color: var(--navy-900); }
.subnav a.is-active { color: var(--amber-600); border-bottom-color: var(--amber-500); }
[id] { scroll-margin-top: 116px; }

/* ---------- Numbered step list (e.g. beneficiary roles) ---------- */
.steps { display: flex; flex-direction: column; margin-top: 18px; }
.steps__item { display: flex; gap: 14px; align-items: flex-start; }
.steps__num {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--navy-900);
  color: #fff;
  display: grid;
  place-items: center;
  font-family: var(--font-serif);
  font-size: 0.82rem;
  font-weight: 700;
}
.steps__item h4 { margin: 0 0 3px; font-size: 0.98rem; color: var(--navy-900); font-family: var(--font-sans); font-weight: 700; }
.steps__item p { margin: 0; font-size: 0.9rem; color: var(--ink-700); }
.steps__connector { width: 2px; height: 16px; background: var(--line); margin-left: 13px; }

/* ---------- Disclaimer ---------- */
.disclaimer {
  font-size: 0.82rem;
  color: var(--ink-500);
  line-height: 1.6;
  border-top: 1px solid var(--line);
  padding-top: 24px;
  margin-top: 12px;
}

/* ---------- Footer ---------- */
.footer {
  background: var(--navy-950);
  color: #b9c3d3;
  padding: 64px 0 32px;
}
.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
@media (max-width: 800px) { .footer__grid { grid-template-columns: 1fr 1fr; } }
.footer h4 { color: #fff; font-size: 0.85rem; letter-spacing: 0.08em; text-transform: uppercase; font-family: var(--font-sans); margin-bottom: 16px; }
.footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.footer__sublabel {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: #5c6c81;
  margin-top: 6px;
}
.footer__sublabel:first-child { margin-top: 0; }
.footer a { text-decoration: none; color: #b9c3d3; font-size: 0.92rem; }
.footer a:hover { color: #fff; }
.footer__brand { color: #fff; font-family: var(--font-serif); font-size: 1.2rem; margin-bottom: 12px; }
.footer__bottom { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; padding-top: 28px; font-size: 0.8rem; color: #7a879c; }
.footer__legal { font-size: 0.78rem; color: #7a879c; line-height: 1.7; max-width: 900px; margin-top: 24px; }

/* ---------- CTA band ---------- */
.cta-band {
  text-align: center;
  padding: clamp(56px, 8vw, 96px) 24px;
  border-radius: 16px;
  background: linear-gradient(150deg, var(--navy-900), var(--navy-950));
  color: #fff;
}
.cta-band h2 { color: #fff; }
.cta-band p { color: #c7d0de; max-width: 56ch; margin: 0 auto 28px; }

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity 0.6s var(--ease), transform 0.6s var(--ease); }
.reveal.is-visible { opacity: 1; transform: translateY(0); }

/* ---------- Back to top ---------- */
.back-to-top {
  position: fixed;
  right: 24px;
  bottom: 24px;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  border: none;
  background: var(--navy-900);
  color: #fff;
  display: grid;
  place-items: center;
  cursor: pointer;
  box-shadow: var(--shadow-md);
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: opacity 0.25s var(--ease), transform 0.25s var(--ease), background 0.2s var(--ease);
  z-index: 55;
}
.back-to-top svg { width: 18px; height: 18px; }
.back-to-top:hover { background: var(--amber-500); color: var(--navy-950); }
.back-to-top.is-visible { opacity: 1; visibility: visible; transform: translateY(0); }
@media (max-width: 640px) {
  .back-to-top { right: 16px; bottom: 16px; width: 42px; height: 42px; }
}

/* ---------- Utility ---------- */
.mt-0 { margin-top: 0; }
.center { text-align: center; }
.max-w { max-width: 780px; margin-left: auto; margin-right: auto; }
.tag {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  background: var(--amber-100);
  color: var(--amber-600);
  padding: 5px 10px;
  border-radius: 100px;
  margin-bottom: 12px;
}