/* ============================================================
   DESIGN TOKENS — change brand here, updates everywhere
   ============================================================ */
:root {
  /* ── Brand colours (Legacy Financial 2026) ── */
  --color-navy:           #2F56A2;   /* primary — headings, UI, nav bar  */
  --color-navy-dark:      #1d3764;   /* deeper utility bar / dark sections */
  --color-navy-light:     #4a73b8;   /* hover tints                       */
  --color-blue:           #619DD7;   /* secondary — accents, links, highlights */
  --color-blue-light:     #87b7e6;   /* lighter blue tint for hover states */

  --color-bg:             #F7F8FB;
  --color-surface:        #FFFFFF;
  --color-surface-alt:    #EBEBEC;   /* brand light gray                  */

  --color-text:           #1a1a1a;
  --color-text-2:         #505050;   /* brand slate gray — body copy      */
  --color-text-muted:     #888888;
  --color-text-on-dark:   #e8eef6;
  --color-text-on-dark-2: #a8bcd4;

  --color-border:         #dde1e9;
  --color-border-strong:  #b8c2d4;

  --space-1:4px;  --space-2:8px;   --space-3:12px;  --space-4:16px;
  --space-5:20px; --space-6:24px;  --space-8:32px;  --space-10:40px;
  --space-12:48px; --space-16:64px; --space-20:80px; --space-24:96px;

  /* ── Brand fonts (Legacy Financial 2026) ── */
  --font:           'Montserrat', Arial, sans-serif;       /* primary — all body & headings */
  --font-accent:    'Oswald', 'Arial Narrow', sans-serif;  /* callouts, section labels      */
  --font-condensed: 'Barlow Condensed', 'Arial Narrow', sans-serif; /* eyebrow / legal      */
  --text-xs:   0.75rem;
  --text-sm:   0.875rem;
  --text-base: 1rem;
  --text-lg:   1.125rem;
  --text-xl:   1.25rem;
  --text-2xl:  1.5rem;
  --text-3xl:  1.875rem;
  --text-4xl:  2.25rem;
  --text-5xl:  3rem;
  --text-6xl:  3.75rem;

  --radius-sm:   4px;
  --radius-md:   8px;
  --radius-lg:   12px;
  --radius-xl:   16px;
  --radius-full: 9999px;

  --shadow-sm: 0 1px 2px rgba(0,0,0,.05);
  --shadow-md: 0 4px 6px -1px rgba(0,0,0,.07), 0 2px 4px -2px rgba(0,0,0,.05);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,.08), 0 4px 6px -4px rgba(0,0,0,.05);
  --shadow-xl: 0 20px 25px -5px rgba(0,0,0,.08), 0 8px 10px -6px rgba(0,0,0,.04);

  --ease:      200ms ease;
  --ease-slow: 300ms ease;
  --container: 1200px;
  --gutter:    clamp(24px, 5vw, 64px);
  --header-h:  72px;
  --topbar-h:  38px;
}

/* ============================================================
   RESET & BASE
   ============================================================ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}
body {
  font-family: var(--font);
  font-size: var(--text-base);
  line-height: 1.6;
  color: var(--color-text);
  background: var(--color-bg);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { cursor: pointer; font-family: inherit; border: none; background: none; }
address { font-style: normal; }
:focus-visible {
  outline: 2px solid var(--color-blue);
  outline-offset: 2px;
  border-radius: var(--radius-sm);
}

/* ============================================================
   UTILITIES
   ============================================================ */
.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: var(--gutter);
}
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0;
  margin: -1px; overflow: hidden; clip: rect(0,0,0,0);
  white-space: nowrap; border: 0;
}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex; align-items: center; gap: var(--space-2);
  padding: 13px var(--space-8);
  font-family: var(--font); font-size: var(--text-base); font-weight: 600;
  line-height: 1; border-radius: var(--radius-md);
  transition: all var(--ease); cursor: pointer;
  white-space: nowrap; border: 2px solid transparent;
}
.btn--gold {
  background: var(--color-blue); color: #1d3764; border-color: var(--color-blue);
}
.btn--gold:hover {
  background: var(--color-blue-light); border-color: var(--color-blue-light);
  transform: translateY(-1px); box-shadow: 0 4px 12px rgba(97,157,215,.4);
}
.btn--navy {
  background: var(--color-navy); color: #fff; border-color: var(--color-navy);
}
.btn--navy:hover {
  background: var(--color-navy-dark); border-color: var(--color-navy-dark);
  transform: translateY(-1px); box-shadow: var(--shadow-md);
}
.btn--outline {
  background: transparent; color: var(--color-navy); border-color: var(--color-navy);
}
.btn--outline:hover { background: var(--color-navy); color: #fff; }
.btn--ghost-light {
  background: transparent; color: #fff; border-color: rgba(255,255,255,.45);
}
.btn--ghost-light:hover { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.75); }

/* ============================================================
   SITE HEADER  (rendered from _includes/header.njk)
   ============================================================ */
/* ============================================================
   HEADER SYSTEM
   ============================================================ */

.site-header-wrap { position: sticky; top: 0; z-index: 100; }

/* ── Utility bar ── */
.top-bar {
  background: #fff;
  height: 36px;
}
.top-bar__inner {
  display: flex; align-items: center;
  justify-content: flex-end; gap: var(--space-6); height: 100%;
}
.top-bar__phone,
.top-bar__client {
  display: flex; align-items: center; gap: 5px;
  font-size: 1rem; font-weight: 500; letter-spacing: 0.02em;
  text-decoration: none; transition: color var(--ease);
}
.top-bar__phone { color: var(--color-text-2); }
.top-bar__phone:hover { color: var(--color-navy); }
.top-bar__client { color: var(--color-navy); }
.top-bar__client:hover { color: var(--color-navy-dark); }

/* ── Brand bar (logo + CTA + hamburger) ── */
.site-header {
  background: #fff;
  border-bottom: 1px solid rgba(0,0,0,.07);
  height: var(--header-h);
}
.site-header__inner {
  display: flex; align-items: center;
  justify-content: space-between; height: 100%;
}
.site-header__logo { display: flex; align-items: center; flex-shrink: 0; text-decoration: none; }
.site-header__logo img { height: 52px; width: auto; display: block; }

/* Mobile-first: show hamburger, hide schedule button */
.header-actions { display: none; }
.menu-btn {
  display: flex; align-items: center; justify-content: center;
  width: 44px; height: 44px; border-radius: var(--radius-md);
  color: var(--color-navy-dark); transition: background var(--ease);
  flex-shrink: 0;
}
.menu-btn:hover { background: var(--color-surface-alt); }

/* Desktop: flip */
@media (min-width: 901px) {
  .header-actions { display: flex; align-items: center; }
  .menu-btn { display: none; }
}

/* ── Nav bar (desktop only) ── */
.site-nav-bar {
  display: none;
  background: var(--color-navy);
}
@media (min-width: 901px) { .site-nav-bar { display: block; } }

.site-nav { display: flex; align-items: center; height: 46px; gap: 0; }

.site-nav__item { position: relative; }
.site-nav__item:hover .dropdown,
.site-nav__item:focus-within .dropdown {
  opacity: 1; visibility: visible; transform: translateY(0);
}

.site-nav__link {
  display: flex; align-items: center; gap: 4px;
  padding: 0 var(--space-4); height: 46px;
  font-size: 0.8125rem; font-weight: 500; white-space: nowrap;
  color: rgba(255,255,255,0.68);
  position: relative;
  transition: color var(--ease), background var(--ease);
}
.site-nav__link::after {
  content: ''; position: absolute;
  bottom: 0; left: var(--space-4); right: var(--space-4);
  height: 2px; background: rgba(255,255,255,0.85); border-radius: 1px;
  transform: scaleX(0); transform-origin: left; transition: transform var(--ease);
}
.site-nav__link:hover { color: #fff; background: rgba(255,255,255,.07); }
.site-nav__link:hover::after { transform: scaleX(1); }
.site-nav__link[aria-current="page"] { color: #fff; font-weight: 600; }
.site-nav__link[aria-current="page"]::after { transform: scaleX(1); }

.nav-chevron { flex-shrink: 0; transition: transform var(--ease); }
.site-nav__item:hover .nav-chevron,
.site-nav__item:focus-within .nav-chevron { transform: rotate(180deg); }

/* Dropdown card */
.dropdown {
  position: absolute; top: calc(100% + 2px); left: 0;
  background: #fff;
  border: 1px solid rgba(0,0,0,.09);
  border-top: 3px solid var(--color-navy);
  border-radius: 0 0 var(--radius-lg) var(--radius-lg);
  box-shadow: 0 12px 32px rgba(15,35,71,.15);
  min-width: 220px; padding: var(--space-2);
  opacity: 0; visibility: hidden; transform: translateY(-6px);
  transition: opacity var(--ease), transform var(--ease), visibility var(--ease);
  z-index: 200;
}
.dropdown a {
  display: block; padding: var(--space-3) var(--space-4);
  font-size: var(--text-sm); color: var(--color-text-2);
  border-radius: var(--radius-md); transition: all var(--ease);
}
.dropdown a:hover { color: var(--color-navy-dark); background: var(--color-surface-alt); }

/* Schedule link: hidden on desktop, shown as CTA in mobile menu */
.site-nav__schedule { display: none; }

/* ── Mobile nav panel ── */
.site-nav-bar--open {
  display: block;
  background: #fff;
  border-bottom: 3px solid var(--color-blue);
  box-shadow: 0 8px 24px rgba(15,35,71,.12);
}
@media (max-width: 900px) {
  .site-nav {
    flex-direction: column; align-items: stretch;
    height: auto; gap: 0; padding: var(--space-3) var(--space-2);
  }
  .site-nav__link {
    height: auto; padding: var(--space-3) var(--space-3);
    color: var(--color-text); font-size: var(--text-sm);
    border-bottom: 1px solid var(--color-border);
    background: none;
  }
  .site-nav__link:hover { color: var(--color-navy-dark); background: var(--color-surface-alt); }
  .site-nav__link::after { display: none; }
  .site-nav__item { width: 100%; }
  .dropdown {
    position: static; opacity: 1; visibility: visible; transform: none;
    border: none; border-top: none; box-shadow: none;
    background: var(--color-surface-alt); border-radius: var(--radius-md);
    margin: var(--space-1) 0 var(--space-2); padding: var(--space-1);
  }
  .site-nav__schedule {
    display: block; margin-top: var(--space-3);
    padding: var(--space-3) var(--space-4);
    background: var(--color-navy); color: #fff !important;
    font-weight: 600; font-size: var(--text-sm);
    border-radius: var(--radius-md); text-align: center;
    border-bottom: none; letter-spacing: 0.01em;
  }
  .site-nav__schedule:hover { background: var(--color-navy-dark); }
  .site-nav__schedule::after { display: none !important; }
}
@media (max-width: 640px) { .top-bar { display: none; } }

/* ============================================================
   SECTIONS — shared
   ============================================================ */
.section { padding-block: var(--space-24); }
.section--alt   { background: var(--color-surface-alt); }
.section--dark  { background: var(--color-navy-dark); color: #fff; }
.section--white { background: var(--color-surface); }
.section__header { text-align: center; margin-bottom: var(--space-16); }
.eyebrow {
  display: inline-block;
  font-family: var(--font-accent); font-size: 0.8rem; font-weight: 500;
  color: var(--color-blue); letter-spacing: 0.12em;
  text-transform: uppercase; margin-bottom: var(--space-3);
}
.section__title {
  font-family: var(--font); /* Montserrat */
  font-size: clamp(var(--text-3xl), 3vw, var(--text-5xl));
  font-weight: 700; line-height: 1.12;
  letter-spacing: -.5px; color: var(--color-text); margin-bottom: var(--space-4);
}
.section--dark .section__title { color: #fff; }
.section__desc {
  font-size: var(--text-lg); color: var(--color-text-2);
  max-width: 600px; margin-inline: auto; line-height: 1.7;
}
.section--dark .section__desc { color: var(--color-text-on-dark-2); }

/* ============================================================
   HERO
   ============================================================ */
.hero {
  background: var(--color-navy-dark); color: #fff;
  position: relative; overflow: hidden;
  min-height: calc(100dvh - var(--header-h) - var(--topbar-h) - 50px);
  display: flex; align-items: center;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse at 70% 50%, rgba(97,157,215,.18) 0%, transparent 60%),
    radial-gradient(ellipse at 15% 80%, rgba(47,86,162,.25) 0%, transparent 50%);
  pointer-events: none;
}
.hero__inner {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: var(--space-16); align-items: center;
  padding-block: var(--space-24); position: relative; z-index: 1;
}
.hero__badge {
  display: inline-flex; align-items: center; gap: var(--space-2);
  padding: var(--space-2) var(--space-4);
  background: rgba(97,157,215,.15); border: 1px solid rgba(97,157,215,.35);
  border-radius: var(--radius-full); font-size: var(--text-sm); font-weight: 500;
  color: var(--color-blue-light); margin-bottom: var(--space-6);
}
.hero__badge::before { content: ''; width: 6px; height: 6px; background: var(--color-blue); border-radius: 50%; }
.hero h1 {
  font-size: clamp(var(--text-4xl), 5vw, var(--text-6xl));
  font-weight: 700; line-height: 1.08;
  letter-spacing: -1.5px; color: #fff; margin-bottom: var(--space-6);
}
.hero h1 em { font-style: normal; color: var(--color-blue-light); }
.hero__sub {
  font-size: var(--text-lg); line-height: 1.7;
  color: var(--color-text-on-dark-2); max-width: 480px; margin-bottom: var(--space-10);
}
.hero__actions { display: flex; flex-wrap: wrap; gap: var(--space-4); align-items: center; }
.hero__img-wrap {
  border-radius: var(--radius-xl); overflow: hidden; aspect-ratio: 4/5;
}
.hero__img-wrap img,
.hero__img-wrap video { width: 100%; height: 100%; object-fit: cover; opacity: .88; }
.stat-card {
  position: absolute;
  bottom: var(--space-8); left: calc(-1 * var(--space-6));
  background: #fff;
  border-left: 4px solid var(--color-blue);
  border-radius: 0 var(--radius-lg) var(--radius-lg) 0;
  padding: var(--space-4) var(--space-5) var(--space-4) var(--space-4);
  box-shadow: 0 8px 32px rgba(15,35,71,.22);
}
.stat-num {
  font-family: var(--font); font-size: var(--text-3xl); font-weight: 800;
  color: var(--color-navy); line-height: 1; letter-spacing: -0.03em;
}
.stat-label {
  font-family: var(--font-condensed); font-size: 0.65rem; font-weight: 600;
  color: var(--color-text-2); text-transform: uppercase;
  letter-spacing: 0.15em; margin-top: 5px;
}
.hero__visual { position: relative; }
@media (max-width: 768px) {
  .hero__inner { grid-template-columns: 1fr; padding-block: var(--space-16); gap: var(--space-10); }
  .hero__visual { order: -1; }
  .hero__img-wrap { aspect-ratio: 16/9; }
  .stat-card { display: none; }
  .hero h1 { font-size: var(--text-4xl); letter-spacing: -1px; }
}

/* ============================================================
   TRUST BAR
   ============================================================ */
.trust-bar {
  background: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  padding-block: var(--space-5);
}
.trust-bar__inner {
  display: flex; flex-wrap: wrap;
  align-items: center; justify-content: center; gap: var(--space-8);
}
.trust-item {
  display: flex; align-items: center; gap: var(--space-2);
  font-size: var(--text-sm); font-weight: 500; color: var(--color-text-2);
}
.trust-item svg { color: var(--color-blue); flex-shrink: 0; }
.trust-divider { width: 1px; height: 20px; background: var(--color-border); }
@media (max-width: 640px) { .trust-divider { display: none; } }

/* ============================================================
   AUDIENCE CARDS
   ============================================================ */
.audiences__grid { display: grid; grid-template-columns: repeat(4,1fr); gap: var(--space-6); }
.audiences__grid--3 { grid-template-columns: repeat(3,1fr); max-width: 900px; margin-left: auto; margin-right: auto; }
.audience-card {
  background: var(--color-surface); border: 1px solid var(--color-border);
  border-radius: var(--radius-xl); overflow: hidden;
  display: flex; flex-direction: column; transition: all var(--ease-slow);
}
.audience-card:hover {
  border-color: var(--color-navy-light); box-shadow: var(--shadow-xl); transform: translateY(-4px);
}
.audience-card__img { aspect-ratio: 16/10; overflow: hidden; }
.audience-card__img img {
  width: 100%; height: 100%; object-fit: cover; transition: transform var(--ease-slow);
}
.audience-card:hover .audience-card__img img { transform: scale(1.04); }
.audience-card__body { padding: var(--space-6); flex: 1; display: flex; flex-direction: column; }
.card-icon {
  width: 44px; height: 44px;
  background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-blue) 100%);
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: var(--space-4); color: #fff;
}
.audience-card h3 {
  font-size: var(--text-xl); font-weight: 700;
  color: var(--color-text); margin-bottom: var(--space-3); line-height: 1.3;
}
.audience-card p { font-size: var(--text-base); color: var(--color-text-2); line-height: 1.65; flex: 1; margin-bottom: var(--space-6); }
.card-link {
  display: inline-flex; align-items: center; gap: var(--space-2);
  font-size: var(--text-sm); font-weight: 600; color: var(--color-navy);
  transition: gap var(--ease), color var(--ease);
}
.card-link:hover { color: var(--color-blue); gap: var(--space-3); }
@media (max-width: 1023px) { .audiences__grid { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 580px)  { .audiences__grid { grid-template-columns: 1fr; } }

/* ============================================================
   APPROACH
   ============================================================ */
.approach__inner { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-16); align-items: center; }
.approach__photo { border-radius: var(--radius-xl); overflow: hidden; aspect-ratio: 4/3; }
.approach__photo--portrait { aspect-ratio: 3/4; }
.approach__photo img { width: 100%; height: 100%; object-fit: cover; }
.approach__content .eyebrow,
.approach__content .section__title { text-align: left; }
.approach__points { display: flex; flex-direction: column; gap: var(--space-5); margin-top: var(--space-8); }
.approach__point { display: flex; gap: var(--space-4); }
.point-icon {
  width: 40px; height: 40px; flex-shrink: 0;
  background: rgba(47,86,162,.08); border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center; color: var(--color-blue);
}
.approach__point h3 { font-size: var(--text-base); font-weight: 600; color: var(--color-text); margin-bottom: var(--space-1); }
.approach__point p  { font-size: var(--text-sm); color: var(--color-text-2); line-height: 1.6; }
@media (max-width: 768px) { .approach__inner { grid-template-columns: 1fr; gap: var(--space-8); } }

/* ============================================================
   TEAM
   ============================================================ */
.team__grid { display: grid; grid-template-columns: repeat(4,1fr); gap: var(--space-6); }
.team-card { text-align: center; }
.team-card__photo {
  position: relative; border-radius: var(--radius-lg); overflow: hidden;
  aspect-ratio: 3/4; margin-bottom: var(--space-4);
}
.team-card__photo img {
  width: 100%; height: 100%; object-fit: cover; transition: transform var(--ease-slow);
}
.team-card:hover .team-card__photo img { transform: scale(1.04); }
.team-card__overlay {
  position: absolute; inset: 0;
  background: linear-gradient(to top, rgba(15,35,71,.7) 0%, transparent 50%);
  opacity: 0; transition: opacity var(--ease);
  display: flex; align-items: flex-end; padding: var(--space-4);
}
.team-card:hover .team-card__overlay { opacity: 1; }
.team-card__overlay a {
  font-size: var(--text-sm); font-weight: 600; color: #fff;
  display: flex; align-items: center; gap: var(--space-2);
}
.team-card__name { font-size: var(--text-base); font-weight: 700; color: var(--color-text); }
.team-card__role { font-size: var(--text-sm); color: var(--color-text-2); margin-top: 2px; }
.team-card__designations { font-size: var(--text-xs); color: var(--color-text-muted); margin-top: 2px; letter-spacing: .01em; }
.team__cta { text-align: center; margin-top: var(--space-12); }
@media (max-width: 1023px) { .team__grid { grid-template-columns: repeat(3,1fr); } }
@media (max-width: 768px)  { .team__grid { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 420px)  { .team__grid { grid-template-columns: 1fr; } }

/* ============================================================
   RESOURCES
   ============================================================ */
.resources__grid { display: grid; grid-template-columns: repeat(3,1fr); gap: var(--space-6); }
.resource-card {
  background: var(--color-surface); border: 1px solid var(--color-border);
  border-radius: var(--radius-xl); padding: var(--space-6);
  display: flex; flex-direction: column; gap: var(--space-4);
  transition: all var(--ease-slow);
}
.resource-card:hover { border-color: var(--color-blue); box-shadow: var(--shadow-lg); transform: translateY(-2px); }
.resource-tag {
  display: inline-flex; align-items: center; gap: var(--space-2);
  padding: 3px var(--space-3); background: rgba(97,157,215,.1);
  border-radius: var(--radius-full); font-size: var(--text-xs); font-weight: 600;
  color: var(--color-blue); text-transform: uppercase; letter-spacing: .5px; width: fit-content;
}
.resource-card h3 { font-size: var(--text-lg); font-weight: 700; color: var(--color-text); line-height: 1.35; }
.resource-card p  { font-size: var(--text-sm); color: var(--color-text-2); line-height: 1.65; flex: 1; }
.resource-link {
  display: inline-flex; align-items: center; gap: var(--space-2);
  font-size: var(--text-sm); font-weight: 600; color: var(--color-navy);
  transition: gap var(--ease), color var(--ease);
}
.resource-card:hover .resource-link { gap: var(--space-3); color: var(--color-blue); }
@media (max-width: 1023px) { .resources__grid { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 640px)  { .resources__grid { grid-template-columns: 1fr; } }

/* ============================================================
   CONTACT  (rendered from _includes/contact.njk)
   ============================================================ */
.contact__inner { display: grid; grid-template-columns: 1fr 1.2fr; gap: var(--space-16); align-items: start; }
.contact__info h2 {
  font-size: clamp(var(--text-3xl), 3vw, var(--text-5xl));
  font-weight: 700; color: #fff; line-height: 1.12; letter-spacing: -.5px; margin-bottom: var(--space-4);
}
.contact__info > p { color: var(--color-text-on-dark-2); font-size: var(--text-lg); line-height: 1.7; margin-bottom: var(--space-8); }
.contact__details { display: flex; flex-direction: column; gap: var(--space-4); }
.contact__detail { display: flex; align-items: flex-start; gap: var(--space-3); font-size: var(--text-base); color: var(--color-text-on-dark-2); }
.contact__detail svg { color: var(--color-blue); flex-shrink: 0; margin-top: 3px; }
.contact__detail a { color: var(--color-text-on-dark-2); transition: color var(--ease); }
.contact__detail a:hover { color: #fff; }
.contact__form-wrap {
  background: var(--color-surface); border-radius: var(--radius-xl);
  padding: var(--space-8); box-shadow: var(--shadow-xl);
}
.contact__form-wrap h3 { font-size: var(--text-xl); font-weight: 700; color: var(--color-text); margin-bottom: var(--space-6); }
.field { margin-bottom: var(--space-5); }
.field label { display: block; font-size: var(--text-sm); font-weight: 600; color: var(--color-text); margin-bottom: var(--space-2); }
.field label.required::after { content: ' *'; color: #EF4444; }
.field input,
.field textarea,
.field select {
  width: 100%; padding: 12px var(--space-4);
  font-family: var(--font); font-size: var(--text-base); color: var(--color-text);
  background: var(--color-surface);
  border: 1.5px solid var(--color-border-strong);
  border-radius: var(--radius-md);
  transition: border-color var(--ease), box-shadow var(--ease);
  appearance: none; -webkit-appearance: none;
}
.field input::placeholder,
.field textarea::placeholder { color: var(--color-text-muted); }
.field input:focus,
.field textarea:focus,
.field select:focus {
  outline: none; border-color: var(--color-blue);
  box-shadow: 0 0 0 3px rgba(47,86,162,.12);
}
.field textarea { resize: vertical; min-height: 120px; line-height: 1.6; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-4); }
.form-submit {
  width: 100%; padding: 14px;
  font-size: var(--text-base); font-weight: 700;
  color: var(--color-navy-dark); background: var(--color-blue);
  border: none; border-radius: var(--radius-md);
  cursor: pointer; transition: all var(--ease); margin-top: var(--space-2);
}
.form-submit:hover {
  background: var(--color-blue-light); transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(97,157,215,.4);
}
.form-note { font-size: var(--text-xs); color: var(--color-text-2); line-height: 1.6; margin-top: var(--space-4); }
.form-honey { display: none; }

/* ── FORM SECTION DIVIDER ───────────────────────────────────── */
.form-section {
  margin: var(--space-6) 0 var(--space-5);
  padding-top: var(--space-6);
  border-top: 1px solid var(--color-border);
}
.form-section__label {
  font-size: var(--text-xs); font-weight: 700; letter-spacing: .08em;
  text-transform: uppercase; color: var(--color-text-muted);
  margin-bottom: var(--space-4); display: block;
}

/* ── PILL SELECTORS ─────────────────────────────────────────── */
.pill-field { margin-bottom: var(--space-5); }
.pill-field > label {
  display: block; font-size: var(--text-sm); font-weight: 600;
  color: var(--color-text); margin-bottom: var(--space-3);
}
.pill-group { display: flex; flex-wrap: wrap; gap: var(--space-2); }
.pill-option { position: relative; }
.pill-option input[type="radio"] {
  position: absolute; opacity: 0; width: 0; height: 0; pointer-events: none;
}
.pill-option label {
  display: inline-block; padding: 7px 14px;
  font-size: var(--text-sm); font-weight: 500; color: var(--color-text-2);
  border: 1.5px solid var(--color-border); border-radius: 100px;
  cursor: pointer; transition: all var(--ease); white-space: nowrap;
  user-select: none; line-height: 1.4;
}
.pill-option label:hover {
  border-color: var(--color-navy); color: var(--color-navy);
  background: rgba(16,43,84,.04);
}
.pill-option input[type="radio"]:checked + label {
  background: var(--color-navy); color: #fff;
  border-color: var(--color-navy); font-weight: 600;
}
.pill-option input[type="radio"]:focus-visible + label {
  outline: 2px solid var(--color-blue); outline-offset: 2px;
}
.form-alert {
  padding: var(--space-3) var(--space-4);
  border-radius: var(--radius-md);
  font-size: var(--text-sm);
  line-height: 1.5;
  margin-bottom: var(--space-4);
}
.form-alert--error {
  background: #fef2f2;
  color: #b91c1c;
  border: 1px solid #fca5a5;
}

/* ── CLIENT CHECKBOX ────────────────────────────────────────── */
.client-check {
  display: flex; align-items: center; gap: var(--space-3);
  padding: var(--space-3) var(--space-4);
  border: 1.5px solid var(--color-border); border-radius: var(--radius-md);
  cursor: pointer; transition: border-color var(--ease), background var(--ease);
  margin-bottom: var(--space-5); user-select: none;
}
.client-check:hover { border-color: var(--color-navy); background: rgba(16,43,84,.03); }
.client-check input[type="checkbox"] { width: 18px; height: 18px; cursor: pointer; accent-color: var(--color-navy); flex-shrink: 0; }
.client-check__text { font-size: var(--text-sm); font-weight: 600; color: var(--color-text); line-height: 1.3; }
.client-check__text span { display: block; font-size: var(--text-xs); font-weight: 400; color: var(--color-text-2); margin-top: 2px; }
.client-check--active { border-color: var(--color-navy); background: rgba(16,43,84,.05); }

/* ── QUALIFY MODAL ──────────────────────────────────────────── */
.qualify-modal {
  position: fixed; inset: 0; z-index: 1000;
  display: flex; align-items: center; justify-content: center;
  padding: var(--space-4);
}
.qualify-modal[hidden] { display: none; }
.qualify-modal__backdrop {
  position: absolute; inset: 0;
  background: rgba(10,20,40,.55); backdrop-filter: blur(3px);
}
.qualify-modal__card {
  position: relative; z-index: 1;
  background: var(--color-surface); border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl); width: 100%; max-width: 580px;
  max-height: 90vh; overflow-y: auto;
  padding: var(--space-8);
}
.qualify-modal__close {
  position: absolute; top: var(--space-4); right: var(--space-4);
  width: 32px; height: 32px; border-radius: 50%; border: none;
  background: var(--color-bg); color: var(--color-text-2);
  font-size: 18px; cursor: pointer; display: flex; align-items: center; justify-content: center;
  transition: background var(--ease), color var(--ease);
}
.qualify-modal__close:hover { background: var(--color-border); color: var(--color-text); }
.qualify-modal__header { margin-bottom: var(--space-6); }
.qualify-modal__header h3 { font-size: var(--text-xl); font-weight: 700; color: var(--color-text); margin-bottom: var(--space-2); }
.qualify-modal__header p { font-size: var(--text-sm); color: var(--color-text-2); line-height: 1.6; }
.qualify-modal__actions {
  display: flex; align-items: center; justify-content: space-between;
  margin-top: var(--space-6); padding-top: var(--space-5);
  border-top: 1px solid var(--color-border); gap: var(--space-4);
}
.qualify-skip {
  font-size: var(--text-sm); color: var(--color-text-2); background: none;
  border: none; cursor: pointer; text-decoration: underline; padding: 0;
  transition: color var(--ease);
}
.qualify-skip:hover { color: var(--color-text); }
.qualify-modal__actions .form-submit { width: auto; padding: 12px var(--space-8); margin: 0; }

/* ── FORM INLINE ERROR ──────────────────────────────────────── */
.field--error input,
.field--error textarea { border-color: #EF4444; }
.field__error-msg { font-size: var(--text-xs); color: #b91c1c; margin-top: var(--space-1); display: none; }
.field--error .field__error-msg { display: block; }

@media (max-width: 768px) {
  .contact__inner { grid-template-columns: 1fr; gap: var(--space-10); }
  .field-row { grid-template-columns: 1fr; }
  .qualify-modal__card { padding: var(--space-6); }
  .qualify-modal__actions { flex-direction: column-reverse; align-items: stretch; }
  .qualify-modal__actions .form-submit { width: 100%; }
  .qualify-skip { text-align: center; }
}

/* ============================================================
   SITE FOOTER  (rendered from _includes/footer.njk)
   ============================================================ */
.site-footer { background: #080E1C; color: var(--color-text-on-dark-2); padding-block: var(--space-16) var(--space-8); }
.site-footer__main {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: var(--space-10);
  padding-bottom: var(--space-12); border-bottom: 1px solid rgba(255,255,255,.08);
}
.footer-logo { display: flex; align-items: center; text-decoration: none; margin-bottom: var(--space-4); }
.footer-logo img { height: 40px; width: auto; display: block; filter: brightness(0) invert(1); }
.footer-desc   { font-size: var(--text-sm); line-height: 1.7; max-width: 280px; margin-bottom: var(--space-4); }
.footer-addr   { font-size: var(--text-sm); line-height: 1.8; }
.footer-addr a { color: var(--color-text-on-dark-2); transition: color var(--ease); }
.footer-addr a:hover { color: #fff; }
.footer-badges { display: flex; flex-wrap: wrap; gap: var(--space-3); margin-top: var(--space-4); }
.footer-badge {
  padding: var(--space-1) var(--space-3);
  background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-md); font-size: var(--text-xs); font-weight: 600;
  color: var(--color-text-on-dark-2);
}
.footer-badge:hover { color: #fff; background: rgba(255,255,255,.1); }
.footer-col-title { font-size: var(--text-sm); font-weight: 700; color: #fff; margin-bottom: var(--space-4); }
.footer-links { display: flex; flex-direction: column; gap: var(--space-3); }
.footer-links a { font-size: var(--text-sm); color: var(--color-text-on-dark-2); transition: color var(--ease); }
.footer-links a:hover { color: #fff; }
.site-footer__bottom { padding-top: var(--space-6); display: flex; flex-direction: column; gap: var(--space-3); }
.legal-text  { font-family: var(--font-condensed); font-size: 0.7rem; line-height: 1.7; max-width: 920px; letter-spacing: 0.01em; }
.legal-links { display: flex; flex-wrap: wrap; gap: var(--space-6); font-size: var(--text-xs); }
.legal-links a { color: var(--color-text-on-dark-2); transition: color var(--ease); }
.legal-links a:hover { color: #fff; }
.copyright { font-size: var(--text-xs); opacity: .45; }
@media (max-width: 1023px) { .site-footer__main { grid-template-columns: 1fr 1fr; } }
@media (max-width: 640px)  { .site-footer__main { grid-template-columns: 1fr; } }

/* ============================================================
   PROCESS STEPS (Our Approach page)
   ============================================================ */
.process__steps {
  display: flex; flex-direction: column; gap: var(--space-1);
  max-width: 800px; margin: 0 auto;
  counter-reset: process-step;
}
.process__step {
  display: grid; grid-template-columns: 72px 1fr;
  gap: var(--space-6); align-items: flex-start;
  padding: var(--space-8);
  border: 1px solid var(--color-border); border-radius: var(--radius-lg);
  background: #fff;
  transition: box-shadow var(--ease);
}
.process__step:hover { box-shadow: var(--shadow-md); }
.process__step-num {
  font-size: var(--text-4xl); font-weight: 800;
  color: var(--color-blue); line-height: 1;
  letter-spacing: -2px; flex-shrink: 0;
}
.process__step-body h3 {
  font-size: var(--text-xl); font-weight: 700;
  color: var(--color-navy-dark); margin-bottom: var(--space-2);
}
.process__step-body p { color: var(--color-text-2); line-height: 1.7; }
@media (max-width: 640px) {
  .process__step { grid-template-columns: 1fr; gap: var(--space-2); }
  .process__step-num { font-size: var(--text-2xl); }
}

/* ============================================================
   SERVICE LIST (Approaching Retirement, Small Business, etc.)
   ============================================================ */
.service-list {
  list-style: none; padding: 0; margin: 0;
  display: flex; flex-direction: column; gap: var(--space-3);
}
.service-list li {
  display: flex; align-items: flex-start; gap: var(--space-3);
  color: var(--color-text-2); line-height: 1.5;
}
.service-list li::before {
  content: '';
  flex-shrink: 0;
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--color-blue);
  margin-top: 8px;
}

/* ============================================================
   RESPONSIVE VIDEO
   ============================================================ */
.video-wrap {
  position: relative; width: 100%; aspect-ratio: 16/9;
  border-radius: var(--radius-xl); overflow: hidden;
  box-shadow: var(--shadow-xl);
}
.video-wrap iframe {
  position: absolute; inset: 0; width: 100%; height: 100%; border: 0;
}

/* ============================================================
   NAVY CTA SECTION
   ============================================================ */
.section--navy {
  background: var(--color-navy-dark);
  padding-block: var(--space-20);
}
.section--navy .eyebrow { color: var(--color-blue); }
.section--navy .section__title { color: #fff; }

/* ============================================================
   IMAGE PLACEHOLDER (dev only — swap with real <img> tags)
   ============================================================ */
.img-ph {
  width: 100%; height: 100%;
  background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-light) 100%);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,.35); font-size: var(--text-sm); font-weight: 500;
}

/* ============================================================
   PAGE HERO (inner pages — not the full-screen home hero)
   ============================================================ */
.page-hero {
  background: var(--color-navy-dark); color: #fff;
  padding-block: 30px;
  position: relative; overflow: hidden;
}
.page-hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at 70% 50%, rgba(47,86,162,.15) 0%, transparent 60%);
  pointer-events: none;
}
.page-hero__inner { position: relative; z-index: 1; max-width: 720px; }
.page-hero h1 {
  font-size: clamp(var(--text-4xl), 4vw, var(--text-5xl));
  font-weight: 700; line-height: 1.1; letter-spacing: -1px;
  color: #fff; margin-bottom: var(--space-4);
}
.page-hero p {
  font-size: var(--text-lg); color: var(--color-text-on-dark-2);
  line-height: 1.7; max-width: 560px;
}

/* ============================================================
   STATES GRID (Virtual Planning page)
   ============================================================ */
.states-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(160px, 1fr));
  gap: var(--space-3);
  list-style: none;
  padding: 0;
  margin: 0 auto;
  max-width: 900px;
}
.states-grid li {
  background: var(--color-surface-alt);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-3) var(--space-4);
  font-size: var(--text-sm);
  color: var(--color-text-2);
  text-align: center;
}

/* ============================================================
   MEETING OPTIONS (How We Meet page)
   ============================================================ */
.meeting-options {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: var(--space-6);
  align-items: start;
}
.meeting-option {
  padding: var(--space-8);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  background: #fff;
}
.meeting-option--featured {
  background: var(--color-navy-dark);
  border-color: var(--color-navy-dark);
  color: #fff;
}
.meeting-option--featured p { color: #fff; }
.meeting-option--featured h3 { color: #fff; }
.meeting-option--featured .meeting-option__sub { color: #fff; }
.meeting-option--featured a, .meeting-option--featured a:visited { color: #fff; }
.meeting-option__icon {
  width: 52px; height: 52px;
  border-radius: var(--radius-lg);
  background: var(--color-surface-alt);
  display: flex; align-items: center; justify-content: center;
  color: var(--color-navy); margin-bottom: var(--space-5);
}
.meeting-option--featured .meeting-option__icon {
  background: rgba(255,255,255,.1);
  color: var(--color-blue);
}
.meeting-option h3 { font-size: var(--text-xl); font-weight: 700; margin-bottom: var(--space-1); }
.meeting-option__sub { font-size: var(--text-sm); font-weight: 600; color: var(--color-blue); margin-bottom: var(--space-4); }
.meeting-option p { color: var(--color-text-2); line-height: 1.7; }
/* Ensure paragraphs inside the featured meeting card remain white (higher specificity) */
.meeting-option.meeting-option--featured p { color: #fff; }
.meeting-option__address { margin-top: var(--space-5); font-size: var(--text-sm); line-height: 1.8; }
.meeting-option__address a { color: var(--color-navy); text-decoration: underline; text-underline-offset: 3px; }
.meeting-option__phone {
  display: inline-block; margin-top: var(--space-5);
  font-size: var(--text-lg); font-weight: 700;
  color: var(--color-navy); text-decoration: none;
}
.meeting-option__phone:hover { color: var(--color-blue); }
@media (max-width: 900px) {
  .meeting-options { grid-template-columns: 1fr; }
  .meeting-option--featured { order: -1; }
}
  .meeting-option--featured { order: -1; }
}

/* ============================================================
   CAPITAL DEPLOYMENT PAGE
   ============================================================ */

/* Hero */
.cap-hero {
  background: var(--color-navy-dark); color: #fff;
  position: relative; overflow: hidden;
  padding-block: var(--space-24);
}
.cap-hero::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse at 75% 40%, rgba(97,157,215,.2) 0%, transparent 55%),
    radial-gradient(ellipse at 10% 90%, rgba(47,86,162,.3) 0%, transparent 50%);
  pointer-events: none;
}
.cap-hero__inner {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: var(--space-16); align-items: center;
  position: relative; z-index: 1;
}
.cap-hero__eyebrow {
  display: inline-flex; align-items: center; gap: var(--space-2);
  font-family: var(--font-accent); font-size: 0.75rem; font-weight: 500;
  color: var(--color-blue); letter-spacing: 0.15em;
  text-transform: uppercase; margin-bottom: var(--space-4);
}
.cap-hero h1 {
  font-size: clamp(var(--text-3xl), 4vw, var(--text-5xl));
  font-weight: 800; line-height: 1.08;
  letter-spacing: -1px; color: #fff; margin-bottom: var(--space-5);
}
.cap-hero h1 em { color: var(--color-blue); font-style: normal; }
.cap-hero__sub {
  font-size: var(--text-lg); color: var(--color-text-on-dark-2);
  line-height: 1.7; max-width: 520px; margin-bottom: var(--space-8);
}
.cap-hero__actions { display: flex; gap: var(--space-4); flex-wrap: wrap; }

/* Hero stat cards */
.cap-stat-cards { display: flex; flex-direction: column; gap: var(--space-4); width: 100%; max-width: 360px; margin-left: auto; }
.cap-stat-card {
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.12);
  backdrop-filter: blur(8px);
  border-radius: var(--radius-xl); padding: var(--space-5) var(--space-6);
  display: flex; align-items: center; gap: var(--space-4);
}
.cap-stat-card__icon {
  width: 48px; height: 48px; flex-shrink: 0;
  border-radius: var(--radius-lg);
  background: rgba(97,157,215,.2);
  display: flex; align-items: center; justify-content: center;
  color: var(--color-blue);
}
.cap-stat-card__label {
  font-size: var(--text-xs); color: var(--color-text-on-dark-2);
  letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 3px;
}
.cap-stat-card__value { font-size: var(--text-xl); font-weight: 700; color: #fff; }

@media (max-width: 900px) {
  .cap-hero__inner { grid-template-columns: 1fr; }
  .cap-hero__visual { display: none; }
}

/* Problem cards */
.problem-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-6);
}
.problem-card {
  background: #fff; border-radius: var(--radius-xl);
  border: 1px solid var(--color-border);
  padding: var(--space-8); box-shadow: var(--shadow-sm);
}
.problem-card__icon {
  width: 48px; height: 48px; border-radius: var(--radius-lg);
  background: rgba(47,86,162,.08);
  display: flex; align-items: center; justify-content: center;
  color: var(--color-navy); margin-bottom: var(--space-5);
}
.problem-card h3 {
  font-size: var(--text-xl); font-weight: 700;
  color: var(--color-navy-dark); margin-bottom: var(--space-3);
}
.problem-card p { color: var(--color-text-2); line-height: 1.7; }
@media (max-width: 900px) { .problem-grid { grid-template-columns: 1fr; } }

/* Profile cards (Who We Serve) */
.profile-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-5);
}
.profile-card {
  background: #fff; border-radius: var(--radius-xl);
  border: 1px solid var(--color-border);
  padding: var(--space-7) var(--space-6);
  transition: box-shadow var(--ease), border-color var(--ease);
}
.profile-card:hover { box-shadow: var(--shadow-lg); border-color: var(--color-navy-light); }
.profile-card__icon {
  width: 52px; height: 52px; border-radius: var(--radius-xl);
  background: var(--color-navy);
  display: flex; align-items: center; justify-content: center;
  color: #fff; margin-bottom: var(--space-5);
}
.profile-card h3 {
  font-size: var(--text-lg); font-weight: 700;
  color: var(--color-navy-dark); margin-bottom: var(--space-3);
}
.profile-card p { font-size: var(--text-sm); color: var(--color-text-2); line-height: 1.7; }
@media (max-width: 1024px) { .profile-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px)  { .profile-grid { grid-template-columns: 1fr; } }

/* Services grid */
.services-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-5);
}
.service-card {
  background: #fff; border-radius: var(--radius-xl);
  border: 1px solid var(--color-border);
  padding: var(--space-7) var(--space-6);
}
.service-card__icon {
  width: 44px; height: 44px; border-radius: var(--radius-lg);
  background: rgba(97,157,215,.12);
  display: flex; align-items: center; justify-content: center;
  color: var(--color-navy); margin-bottom: var(--space-4);
}
.service-card h3 {
  font-size: var(--text-lg); font-weight: 700;
  color: var(--color-navy-dark); margin-bottom: var(--space-2);
}
.service-card p { font-size: var(--text-sm); color: var(--color-text-2); line-height: 1.7; }
@media (max-width: 900px) { .services-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px)  { .services-grid { grid-template-columns: 1fr; } }

/* CTA band */
.cta-band {
  background: var(--color-navy-dark); color: #fff;
  padding-block: var(--space-20);
  text-align: center; position: relative; overflow: hidden;
}
.cta-band::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at 50% 50%, rgba(97,157,215,.15) 0%, transparent 60%);
  pointer-events: none;
}
.cta-band__inner { position: relative; z-index: 1; }
.cta-band h2 {
  font-size: clamp(var(--text-3xl), 3.5vw, var(--text-5xl));
  font-weight: 800; line-height: 1.1; letter-spacing: -1px;
  color: #fff; max-width: 700px; margin-inline: auto;
  margin-bottom: var(--space-5);
}
.cta-band p {
  font-size: var(--text-lg); color: var(--color-text-on-dark-2);
  max-width: 540px; margin-inline: auto;
  line-height: 1.7; margin-bottom: var(--space-8);
}
.cta-band__actions {
  display: flex; align-items: center; justify-content: center;
  gap: var(--space-6); flex-wrap: wrap;
}
.cta-band__phone {
  color: var(--color-text-on-dark-2); font-size: var(--text-base);
  display: flex; align-items: center; gap: var(--space-2);
  transition: color var(--ease);
}
.cta-band__phone:hover { color: #fff; }