/* ============================================================
   Cashflow Financial — shared design system
   Navy + gold, drawn from the wordmark. Mirrors the structural
   patterns of the Mankin Finance site (fixed nav, section tags,
   scroll-reveal, card grids) with its own colourway.
   ============================================================ */

:root {
  /* Brand — sampled from the Cashflow Financial wordmark */
  --navy-deep:   #1B3A52;
  --navy:        #24455F;
  --navy-mid:    #2F5878;
  --navy-light:  #4A7091;
  --gold:        #C9A24D;   /* fills, borders, decoration */
  --gold-text:   #8A6A21;   /* gold as body text on light grounds — 4.8:1 on cream */
  --gold-display:#AD8528;   /* gold as large display text on light grounds — 3.2:1 */
  --gold-light:  #E8C87E;   /* gold on dark grounds */
  --gold-pale:   #F5E7C6;

  /* Neutrals */
  --cream:       #FBF8F2;
  --warm-white:  #FFFDF8;
  --white:       #FFFFFF;
  --text-dark:   #16212B;
  --text-mid:    #3C4A56;
  --warm-grey:   #67717B;   /* 4.7:1 on cream */
  --border:      #E6DFD2;
  --shadow:      rgba(27, 58, 82, 0.12);
  --shadow-lg:   rgba(27, 58, 82, 0.22);

  /* Status */
  --success:     #2A7A4B;
  --error:       #C0392B;

  --radius:      18px;
  --radius-sm:   10px;
  --maxw:        1180px;
}

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: 'DM Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  background: var(--warm-white);
  color: var(--text-dark);
  overflow-x: hidden;
  line-height: 1.6;
}
img { max-width: 100%; display: block; }
a { color: inherit; }

/* ── Typographic primitives ───────────────────────────────── */
.section-tag {
  font-size: 0.72rem; font-weight: 700; letter-spacing: 2.5px;
  text-transform: uppercase; color: var(--gold-text);
  margin-bottom: 0.9rem;
}
.section-title {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: clamp(1.9rem, 4vw, 3rem);
  font-weight: 600; line-height: 1.15; letter-spacing: -0.8px;
  color: var(--navy-deep); margin-bottom: 1.1rem;
}
.section-title em { font-style: italic; color: var(--gold-display); }
.lede { font-size: 1.02rem; color: var(--text-mid); line-height: 1.75; max-width: 62ch; }
.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 6%; }

/* ── Buttons ──────────────────────────────────────────────── */
.btn-primary, .btn-secondary, .btn-on-dark, .nav-cta {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-family: inherit; font-size: 0.92rem; font-weight: 700;
  padding: 14px 30px; border-radius: 50px; border: 1.5px solid transparent;
  text-decoration: none; cursor: pointer; transition: all 0.25s ease;
  white-space: nowrap;
}
.btn-primary {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy-deep);
  box-shadow: 0 6px 22px rgba(201, 162, 77, 0.35);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 10px 30px rgba(201, 162, 77, 0.45); }
.btn-secondary { background: transparent; color: var(--navy-deep); border-color: var(--navy-deep); }
.btn-secondary:hover { background: var(--navy-deep); color: #fff; }
.btn-on-dark { background: transparent; color: #fff; border-color: rgba(255,255,255,0.45); }
.btn-on-dark:hover { background: #fff; color: var(--navy-deep); border-color: #fff; }

/* ── Nav ──────────────────────────────────────────────────── */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(251, 248, 242, 0.96); backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--border);
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 5%; height: 74px; transition: box-shadow 0.3s;
}
nav.scrolled { box-shadow: 0 2px 28px var(--shadow); }
.nav-logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.nav-logo .mark { width: 34px; height: 30px; flex-shrink: 0; }
.nav-logo .word {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 1.32rem; font-weight: 700; color: var(--navy-deep);
  letter-spacing: -0.4px; line-height: 1.05;
}
.nav-logo .word span { color: var(--gold-display); }
.nav-logo .sub {
  display: block; font-family: 'DM Sans', sans-serif;
  font-size: 0.5rem; font-weight: 500; letter-spacing: 3px;
  color: var(--warm-grey); margin-top: 1px;
}
.nav-links { display: flex; gap: 1.05rem; list-style: none; align-items: center; }
.nav-links a {
  text-decoration: none; color: var(--text-mid);
  font-size: 0.83rem; font-weight: 500; transition: color 0.2s;
  white-space: nowrap;
}
.nav-links a:hover { color: var(--gold-text); }
.nav-links a.active { color: var(--navy-deep); font-weight: 700; }
.nav-cta {
  background: var(--navy-deep); color: #fff !important;
  padding: 10px 18px; font-size: 0.8rem;
}
.nav-cta:hover { background: var(--gold); color: var(--navy-deep) !important; }

.hamburger {
  display: none; flex-direction: column; gap: 5px;
  background: none; border: none; cursor: pointer; padding: 6px;
}
.hamburger span { width: 24px; height: 2px; background: var(--navy-deep); border-radius: 2px; transition: 0.3s; }

.mobile-menu {
  display: none; position: fixed; top: 74px; left: 0; right: 0; z-index: 999;
  background: var(--cream); border-bottom: 1px solid var(--border);
  flex-direction: column; padding: 1rem 6% 1.6rem;
  box-shadow: 0 16px 40px var(--shadow);
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  padding: 12px 0; text-decoration: none; color: var(--text-mid);
  font-size: 0.98rem; font-weight: 500; border-bottom: 1px solid var(--border);
}
.mobile-menu a:last-child { border-bottom: none; }

/* ── Hero ─────────────────────────────────────────────────── */
.hero {
  min-height: 92vh; display: flex; align-items: center;
  padding: 130px 6% 90px;
  background:
    radial-gradient(ellipse at 78% 18%, rgba(201,162,77,0.14), transparent 55%),
    linear-gradient(160deg, var(--navy-deep) 0%, var(--navy) 48%, var(--navy-mid) 100%);
  position: relative; overflow: hidden;
}
.hero::after {
  content: ""; position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.035) 1px, transparent 1px);
  background-size: 64px 64px; pointer-events: none;
}
.hero-inner {
  max-width: var(--maxw); margin: 0 auto; width: 100%;
  display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 4rem; align-items: center;
  position: relative; z-index: 2;
}
.hero h1 {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: clamp(2.6rem, 6vw, 4.4rem);
  font-weight: 600; line-height: 1.06; letter-spacing: -1.6px; color: #fff;
  margin-bottom: 1.4rem;
}
.hero h1 em { font-style: italic; color: var(--gold-light); }
.hero p.hero-sub {
  font-size: 1.08rem; color: rgba(255,255,255,0.78);
  line-height: 1.75; max-width: 54ch; margin-bottom: 2.2rem;
}
.hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 2.6rem; }
.hero-trust { display: flex; gap: 2.4rem; flex-wrap: wrap; }
.hero-trust .stat-num {
  font-family: 'Playfair Display', serif; font-size: 1.9rem;
  font-weight: 700; color: var(--gold-light); line-height: 1;
}
.hero-trust .stat-label {
  font-size: 0.76rem; letter-spacing: 1.4px; text-transform: uppercase;
  color: rgba(255,255,255,0.6); margin-top: 6px;
}

/* Hero side card */
.hero-card {
  background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.16);
  border-radius: 22px; padding: 2rem 1.9rem; backdrop-filter: blur(10px);
}
.hero-card h2 {
  font-family: 'Playfair Display', serif; color: #fff;
  font-size: 1.28rem; font-weight: 600; margin-bottom: 0.4rem;
}
.hero-card p.small { font-size: 0.86rem; color: rgba(255,255,255,0.65); margin-bottom: 1.4rem; }
.hero-card ul { list-style: none; display: flex; flex-direction: column; gap: 0.75rem; margin-bottom: 1.6rem; }
.hero-card li {
  display: flex; gap: 10px; align-items: flex-start;
  font-size: 0.9rem; color: rgba(255,255,255,0.86);
}
.hero-card li::before { content: "✓"; color: var(--gold-light); font-weight: 700; flex-shrink: 0; }

/* ── Page hero (interior pages) ───────────────────────────── */
.page-hero {
  padding: 150px 6% 80px; text-align: center;
  background:
    radial-gradient(ellipse at 50% 0%, rgba(201,162,77,0.16), transparent 60%),
    linear-gradient(160deg, var(--navy-deep), var(--navy-mid));
}
.page-hero-tag {
  font-size: 0.72rem; font-weight: 700; letter-spacing: 2.5px;
  text-transform: uppercase; color: var(--gold-light); margin-bottom: 1rem;
}
.page-hero h1 {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: clamp(2.1rem, 5vw, 3.4rem); font-weight: 600;
  color: #fff; line-height: 1.12; letter-spacing: -1px; margin-bottom: 1.1rem;
}
.page-hero h1 em { font-style: italic; color: var(--gold-light); }
.page-hero p {
  color: rgba(255,255,255,0.75); font-size: 1.02rem;
  max-width: 60ch; margin: 0 auto; line-height: 1.75;
}

/* ── Generic sections ─────────────────────────────────────── */
section.pad { padding: 110px 6%; }
section.pad-sm { padding: 80px 6%; }
.bg-cream { background: var(--cream); }
.bg-white { background: var(--warm-white); }
.bg-navy { background: linear-gradient(160deg, var(--navy-deep), var(--navy-mid)); color: #fff; }
.bg-navy .section-title { color: #fff; }
.bg-navy .lede { color: rgba(255,255,255,0.75); }

/* ── Logo / industry marquee ──────────────────────────────── */
.marquee { overflow: hidden; position: relative; padding: 1.4rem 0; }
.marquee::before, .marquee::after {
  content: ""; position: absolute; top: 0; bottom: 0; width: 90px; z-index: 2; pointer-events: none;
}
.marquee::before { left: 0; background: linear-gradient(90deg, var(--cream), transparent); }
.marquee::after { right: 0; background: linear-gradient(270deg, var(--cream), transparent); }
.marquee-track { display: flex; gap: 1rem; width: max-content; animation: scroll-x 42s linear infinite; }
.marquee:hover .marquee-track { animation-play-state: paused; }
@keyframes scroll-x { from { transform: translateX(0); } to { transform: translateX(-50%); } }
.pill {
  background: #fff; border: 1px solid var(--border); border-radius: 50px;
  padding: 11px 24px; font-size: 0.88rem; font-weight: 600;
  color: var(--navy); white-space: nowrap;
  text-decoration: none;
}
a.pill:hover { border-color: var(--gold); color: var(--gold-text); }

/* ── Two-column split (collapses on tablet) ───────────────── */
.split {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 3.5rem; align-items: center;
}
.split.top { align-items: start; }
.split.wide-left  { grid-template-columns: 1.1fr 0.9fr; }
.split.wide-right { grid-template-columns: 0.9fr 1.1fr; }

/* ── Card grids ───────────────────────────────────────────── */
.grid { display: grid; gap: 1.5rem; }
.grid-2 { grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); }
.grid-pair { grid-template-columns: repeat(auto-fit, minmax(430px, 1fr)); }
.grid-3 { grid-template-columns: repeat(auto-fit, minmax(290px, 1fr)); }
.grid-4 { grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); }

.card {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
  padding: 2rem 1.8rem; transition: transform 0.28s, box-shadow 0.28s, border-color 0.28s;
}
.card:hover { transform: translateY(-5px); box-shadow: 0 16px 44px var(--shadow); border-color: var(--gold); }
.card .icon {
  width: 52px; height: 52px; border-radius: 14px; margin-bottom: 1.15rem;
  background: linear-gradient(135deg, var(--navy-deep), var(--navy-mid));
  display: flex; align-items: center; justify-content: center; font-size: 1.35rem;
}
.card h3 {
  font-family: 'Playfair Display', serif; font-size: 1.22rem;
  font-weight: 600; color: var(--navy-deep); margin-bottom: 0.6rem;
}
.card p { font-size: 0.93rem; color: var(--text-mid); line-height: 1.72; }
.card ul { list-style: none; margin-top: 1rem; display: flex; flex-direction: column; gap: 0.45rem; }
.card ul li { font-size: 0.86rem; color: var(--text-mid); display: flex; gap: 8px; }
.card ul li::before { content: "·"; color: var(--gold-text); font-weight: 700; }
.card-link {
  display: inline-block; margin-top: 1.15rem; font-size: 0.85rem;
  font-weight: 700; color: var(--gold-text); text-decoration: none;
}
.card-link:hover { color: var(--navy-deep); }

/* ── Reviews ──────────────────────────────────────────────── */
.review-card {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
  padding: 1.9rem 1.7rem; display: flex; flex-direction: column; gap: 1rem;
}
.stars { color: var(--gold-text); font-size: 1rem; letter-spacing: 2px; }
.review-card p.quote { font-size: 0.94rem; color: var(--text-mid); line-height: 1.75; flex: 1; }
.review-meta { display: flex; align-items: center; gap: 12px; }
.avatar {
  width: 42px; height: 42px; border-radius: 50%; flex-shrink: 0;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  color: #fff; display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 0.9rem;
  position: relative; overflow: hidden;
}
/* A reviewer's Google photo sits over the initials; if it fails to load it
   removes itself and the initials show through. */
.avatar img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
a.name { color: var(--navy-deep); text-decoration: none; font-weight: 700; font-size: 0.9rem; }
a.name:hover { color: var(--gold-text); text-decoration: underline; }
.review-meta .name { font-weight: 700; font-size: 0.9rem; color: var(--navy-deep); }
.review-meta .role { font-size: 0.78rem; color: var(--warm-grey); }

/* ── Team ─────────────────────────────────────────────────── */
.team-card {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
  overflow: hidden; text-decoration: none; display: block;
  transition: transform 0.28s, box-shadow 0.28s;
}
.team-card:hover { transform: translateY(-5px); box-shadow: 0 16px 44px var(--shadow); }
.team-photo {
  height: 260px; display: flex; align-items: center; justify-content: center;
  background: linear-gradient(150deg, var(--navy-deep), var(--navy-mid));
  color: var(--gold-light); font-family: 'Playfair Display', serif; font-size: 3.2rem; font-weight: 600;
}
/* Real headshot, once one has been supplied. */
img.team-photo {
  width: 100%; object-fit: cover; object-position: center top;
}

/* Profile pages show the full square: the import already framed it on the
   face, so cropping it a second time only cuts the top of the head. */
.team-photo-bio { border-radius: 18px; }
img.team-photo-bio { height: auto; aspect-ratio: 1 / 1; object-fit: cover; }
div.team-photo-bio { height: 340px; font-size: 4rem; }

/* ── Group photography ───────────────────────────────────── */
.media-band { max-width: var(--maxw); margin: 0 auto; }
.media-band img {
  width: 100%; height: auto; display: block;
  border-radius: var(--radius);
  box-shadow: 0 16px 48px var(--shadow);
}
.media-band figcaption {
  margin-top: 0.9rem; text-align: center;
  font-size: 0.86rem; color: var(--warm-grey);
}

/* Divisions on the team page */
.team-group + .team-group { margin-top: 3.4rem; }
.team-group-title {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 1.35rem; font-weight: 600; color: var(--navy-deep);
  padding-bottom: 0.7rem; margin-bottom: 1.5rem;
  border-bottom: 1px solid var(--border);
}

.team-body { padding: 1.5rem 1.5rem 1.7rem; }
.team-body h3, .team-body h4 { font-family: 'Playfair Display', serif; font-size: 1.2rem; color: var(--navy-deep); margin-bottom: 0.2rem; }
.team-body .role { font-size: 0.8rem; font-weight: 700; letter-spacing: 1.2px; text-transform: uppercase; color: var(--gold-text); margin-bottom: 0.7rem; }
.team-body p { font-size: 0.89rem; color: var(--text-mid); line-height: 1.7; }

/* ── Accordion (FAQ) ──────────────────────────────────────── */
.accordion { border: 1px solid var(--border); border-radius: var(--radius); background: #fff; overflow: hidden; }
.accordion + .accordion { margin-top: 0.9rem; }
.accordion-head {
  width: 100%; text-align: left; background: none; border: none; cursor: pointer;
  padding: 1.3rem 1.6rem; display: flex; justify-content: space-between; align-items: center; gap: 1.5rem;
  font-family: inherit; font-size: 1rem; font-weight: 600; color: var(--navy-deep);
}
.accordion-head:hover { color: var(--gold-text); }
.accordion-head .chev { color: var(--gold-text); font-size: 1.2rem; transition: transform 0.25s; flex-shrink: 0; }
.accordion.open .accordion-head .chev { transform: rotate(45deg); }
.accordion-body { display: none; padding: 0 1.6rem 1.5rem; font-size: 0.93rem; color: var(--text-mid); line-height: 1.78; }
.accordion.open .accordion-body { display: block; }

/* ── Forms ────────────────────────────────────────────────── */
.field { margin-bottom: 1rem; }
.field label {
  display: block; font-size: 0.78rem; font-weight: 700; letter-spacing: 0.4px;
  text-transform: uppercase; color: var(--text-mid); margin-bottom: 6px;
}
.field input, .field select, .field textarea {
  width: 100%; padding: 12px 14px; border: 1.5px solid var(--border);
  border-radius: var(--radius-sm); font-size: 0.95rem; font-family: inherit;
  outline: none; background: #fff; color: var(--text-dark); transition: border-color 0.2s;
}
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--navy-mid); }
.field textarea { resize: vertical; min-height: 92px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0.9rem; }
.form-error {
  display: none; background: #fff0f0; border: 1px solid #ffcccc; border-radius: var(--radius-sm);
  padding: 12px 16px; color: var(--error); font-size: 0.85rem; margin-bottom: 1rem;
}
.disclaimer {
  background: var(--gold-pale); border-left: 3px solid var(--gold);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 14px 18px; font-size: 0.83rem; color: var(--text-mid); line-height: 1.7;
}

/* ── Calculator ───────────────────────────────────────────── */
.calc-panel {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
  padding: 2rem 1.9rem; box-shadow: 0 10px 40px var(--shadow);
}
.calc-result {
  background: linear-gradient(135deg, var(--navy-deep), var(--navy-mid));
  border-radius: var(--radius); padding: 1.7rem 1.8rem; margin-top: 1.5rem;
  display: flex; flex-wrap: wrap; gap: 1.6rem; align-items: center; justify-content: space-around;
}
.calc-result .label {
  font-size: 0.7rem; letter-spacing: 1.6px; text-transform: uppercase;
  color: rgba(255,255,255,0.6); margin-bottom: 8px;
}
.calc-result .big {
  font-family: 'Playfair Display', serif; font-size: 2.1rem;
  font-weight: 700; color: #fff; line-height: 1;
}
.calc-result .mid { font-size: 1.35rem; font-weight: 700; color: var(--gold-light); line-height: 1; }
.calc-note { font-size: 0.8rem; color: var(--warm-grey); margin-top: 1rem; line-height: 1.7; }
.calc-divider { width: 1px; align-self: stretch; background: rgba(255,255,255,0.2); }

/* ── Modals ───────────────────────────────────────────────── */
.modal {
  display: none; position: fixed; inset: 0; z-index: 9999;
  background: rgba(0,0,0,0.65); backdrop-filter: blur(4px);
  align-items: center; justify-content: center; padding: 20px;
}
.modal.open { display: flex; }
.modal-box {
  background: #fff; border-radius: 24px; width: 100%; max-width: 520px;
  max-height: 92vh; overflow-y: auto; position: relative;
  box-shadow: 0 24px 80px rgba(0,0,0,0.32);
}
.modal-head {
  background: linear-gradient(135deg, var(--navy-deep), var(--navy-mid));
  padding: 1.9rem 2rem 1.7rem; border-radius: 24px 24px 0 0;
}
.modal-head h2 {
  font-family: 'Playfair Display', serif; font-size: 1.55rem;
  color: #fff; line-height: 1.2; margin-bottom: 0.45rem;
}
.modal-head h2 em { font-style: italic; color: var(--gold-light); }
.modal-head p { font-size: 0.88rem; color: rgba(255,255,255,0.72); }
.modal-body { padding: 1.7rem 2rem 2rem; }
.modal-close {
  position: absolute; top: 14px; right: 14px; width: 34px; height: 34px;
  border-radius: 50%; border: none; cursor: pointer; z-index: 3;
  background: rgba(255,255,255,0.18); color: #fff; font-size: 1.15rem; line-height: 1;
}
.modal-close:hover { background: rgba(255,255,255,0.32); }
.choice-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.choice {
  display: flex; align-items: center; gap: 9px; padding: 11px 13px;
  border: 1.5px solid var(--border); border-radius: var(--radius-sm);
  cursor: pointer; font-size: 0.85rem; transition: all 0.2s;
}
.choice:hover { border-color: var(--navy-light); }
.choice.selected { border-color: var(--gold); background: var(--gold-pale); font-weight: 600; }
.choice input { accent-color: var(--gold); }
.success-state { display: none; text-align: center; padding: 26px 0; }
.success-state .tick {
  width: 62px; height: 62px; border-radius: 50%; margin: 0 auto 1.1rem;
  background: var(--success); color: #fff; font-size: 1.8rem;
  display: flex; align-items: center; justify-content: center;
}
.success-state h3 { font-family: 'Playfair Display', serif; font-size: 1.45rem; color: var(--navy-deep); margin-bottom: 0.7rem; }
.success-state p { font-size: 0.93rem; color: var(--text-mid); line-height: 1.7; }

/* ── Footer ───────────────────────────────────────────────── */
footer { background: var(--navy-deep); color: rgba(255,255,255,0.72); padding: 80px 6% 34px; }
.footer-grid {
  max-width: var(--maxw); margin: 0 auto;
  display: grid; grid-template-columns: 1.6fr 0.9fr 0.9fr 0.9fr 1.3fr; gap: 2.4rem;
}
.footer-brand p { font-size: 0.9rem; line-height: 1.78; margin: 1.1rem 0 1.4rem; max-width: 34ch; }
.footer-brand .nav-logo .word { color: #fff; }
.footer-brand .nav-logo .word span { color: var(--gold-light); }
.footer-brand .nav-logo .sub { color: rgba(255,255,255,0.5); }
.footer-socials { display: flex; gap: 10px; }
.social-btn {
  width: 38px; height: 38px; border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.22);
  display: flex; align-items: center; justify-content: center;
  color: #fff; text-decoration: none; font-size: 0.82rem; font-weight: 700;
  transition: all 0.25s;
}
.social-btn:hover { background: var(--gold); border-color: var(--gold); color: var(--navy-deep); }
.footer-col h3 {
  color: #fff; font-size: 0.78rem; font-weight: 700; letter-spacing: 1.8px;
  text-transform: uppercase; margin-bottom: 1.1rem;
  font-family: inherit;
}
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 0.7rem; }
.footer-col a { text-decoration: none; font-size: 0.89rem; color: rgba(255,255,255,0.72); transition: color 0.2s; }
.footer-col a:hover { color: var(--gold-light); }
.footer-bottom {
  max-width: var(--maxw); margin: 3rem auto 0; padding-top: 1.8rem;
  border-top: 1px solid rgba(255,255,255,0.12); text-align: center;
}
.footer-bottom p { font-size: 0.8rem; color: rgba(255,255,255,0.55); }
.footer-bottom a { color: var(--gold-light); text-decoration: none; }
.footer-bottom .compliance { margin-top: 0.7rem; font-size: 0.75rem; color: rgba(255,255,255,0.42); line-height: 1.75; }

/* ── Scroll reveal ────────────────────────────────────────── */
.animate { opacity: 0; transform: translateY(26px); transition: opacity 0.65s ease, transform 0.65s ease; }
.animate.visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .animate { opacity: 1; transform: none; transition: none; }
  .marquee-track { animation: none; }
  html { scroll-behavior: auto; }
}

/* ── Chat widget ──────────────────────────────────────────── */
#cfChat { position: fixed; bottom: 24px; right: 24px; z-index: 99999; font-family: 'DM Sans', sans-serif; }
#cfChatBtn {
  width: 60px; height: 60px; border-radius: 50%; border: none; cursor: pointer;
  background: linear-gradient(135deg, var(--navy-deep), var(--navy-mid));
  box-shadow: 0 4px 20px rgba(27,58,82,0.42);
  display: flex; align-items: center; justify-content: center;
  transition: transform 0.3s; position: relative;
}
#cfChatBtn:hover { transform: scale(1.08); }
#cfNotifDot {
  position: absolute; top: 2px; right: 2px; width: 14px; height: 14px;
  background: var(--gold); border-radius: 50%; border: 2px solid #fff;
  animation: cfPulse 2s infinite;
}
@keyframes cfPulse { 0%,100% { transform: scale(1); opacity: 1; } 50% { transform: scale(1.25); opacity: 0.65; } }
#cfChatWindow {
  display: none; position: absolute; bottom: 74px; right: 0; width: 360px;
  background: #fff; border-radius: 20px; overflow: hidden;
  box-shadow: 0 12px 60px rgba(0,0,0,0.22); flex-direction: column; max-height: 545px;
}
#cfChatWindow.open { display: flex; }
.chat-head { background: linear-gradient(135deg, var(--navy-deep), var(--navy-mid)); padding: 15px 18px; }
.chat-head strong { color: #fff; font-size: 0.96rem; display: block; }
.chat-head span { color: rgba(255,255,255,0.62); font-size: 0.76rem; }
.chat-msgs {
  flex: 1; overflow-y: auto; padding: 16px; display: flex; flex-direction: column;
  gap: 12px; max-height: 340px; min-height: 190px; background: #fbfbfd;
}
.msg { max-width: 84%; padding: 10px 14px; border-radius: 15px; font-size: 0.87rem; line-height: 1.6; }
.msg.bot { background: #fff; border: 1px solid var(--border); color: var(--text-dark); align-self: flex-start; border-bottom-left-radius: 5px; }
.msg.user { background: var(--navy-deep); color: #fff; align-self: flex-end; border-bottom-right-radius: 5px; }
.chat-chips { display: flex; flex-wrap: wrap; gap: 6px; }
.chip {
  background: #fff; border: 1px solid var(--border); border-radius: 50px;
  padding: 6px 13px; font-size: 0.78rem; cursor: pointer; color: var(--navy);
  font-family: inherit; transition: all 0.2s;
}
.chip:hover { border-color: var(--gold); background: var(--gold-pale); }
.chat-input-row { display: flex; gap: 8px; padding: 12px; border-top: 1px solid var(--border); background: #fff; }
.chat-input-row input {
  flex: 1; padding: 10px 14px; border: 1.5px solid var(--border);
  border-radius: 50px; font-size: 0.87rem; font-family: inherit; outline: none;
}
.chat-input-row input:focus { border-color: var(--navy-mid); }
.chat-send {
  width: 40px; height: 40px; border-radius: 50%; border: none; cursor: pointer;
  background: var(--navy-deep); color: #fff; display: flex; align-items: center; justify-content: center;
}
.chat-send:hover { background: var(--gold); color: var(--navy-deep); }
.chat-lead { display: none; padding: 14px 16px; border-top: 1px solid var(--border); background: #f7f9fc; }
.chat-lead input { width: 100%; padding: 9px 12px; border: 1.5px solid var(--border); border-radius: 8px; font-size: 0.85rem; font-family: inherit; outline: none; margin-bottom: 8px; }

/* ── Responsive ───────────────────────────────────────────── */
@media (max-width: 1180px) {
  .nav-links { display: none; }
  .hamburger { display: flex; }
}
@media (max-width: 980px) {
  .hamburger { display: flex; }
  .hero-inner { grid-template-columns: 1fr; gap: 2.6rem; }
  .split, .split.wide-left, .split.wide-right { grid-template-columns: 1fr; gap: 2.4rem; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2.4rem; }
  .footer-brand { grid-column: 1 / -1; }
}
@media (max-width: 640px) {
  section.pad { padding: 76px 6%; }
  .field-row, .choice-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-trust { gap: 1.6rem; }
  .calc-divider { display: none; }
  #cfChatWindow { width: calc(100vw - 40px); }
  .modal-body, .modal-head { padding-left: 1.4rem; padding-right: 1.4rem; }
}