@import url('https://fonts.googleapis.com/css2?family=Onest:wght@400;500;600;700;800&display=swap');

:root {
    --navy: #114A43;
    --navy-dark: #0c3833;
    --gold: #D1DE6F;
    --gold-dark: #c5d45f;
    --teal: #114A43;
    --teal-dark: #0c3833;
    --white: #ffffff;
    --bg: #F8F5F2;
    --bg-alt: #ffffff;
    --surface: #ffffff;
    --text: #0D0D0D;
    --text-muted: #4d5c58;
    --border: rgba(17, 74, 67, .14);
    --success: #114A43;
    --error: #b42318;
    --radius: 18px;
    --shadow: none;
    --header-bar: 76px;
    --header-utility: 36px;
    --header-h: 76px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'Onest', system-ui, sans-serif; color: var(--text); background: var(--bg); line-height: 1.6; padding-top: var(--header-h); }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

.container { width: min(1440px, calc(100% - 3rem)); margin: 0 auto; }
.section { padding: 6.25rem 0 4rem; background: var(--bg); color: var(--text); }
.section-alt { background: #fff; }
.section-dark { background: var(--bg); color: #fff; padding: 1.25rem 0; }
.section-dark > .container {
    background: var(--navy);
    border-radius: 28px;
    padding: 2.75rem 2.2rem;
}
.section-header { text-align: center; max-width: 680px; margin: 0 auto 3.25rem; }
.section-header h2 { font-size: clamp(2.2rem, 4vw, 3rem); font-weight: 700; letter-spacing: -0.03em; margin-bottom: 1rem; line-height: 1.1; }
.section-header p { color: var(--text-muted); font-size: 1.08rem; }
.section-dark .section-header p { color: rgba(255,255,255,.75); }

/* Buttons */
.btn {
    display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
    padding: .85rem 1.35rem; border-radius: 999px; font: inherit; font-weight: 700; font-size: .92rem;
    border: 1px solid transparent; cursor: pointer; transition: background .2s, color .2s, border-color .2s;
}
.btn-primary { background: var(--gold); color: #10211e; }
.btn-primary:hover { background: var(--gold-dark); color: #10211e; }
.btn-secondary { background: var(--gold); color: #10211e; }
.btn-secondary:hover { background: var(--gold-dark); color: #10211e; }
.btn-outline { background: transparent; border-color: var(--navy); color: var(--navy); }
.btn-outline:hover { background: var(--navy); border-color: var(--navy); color: #fff; }
.btn-outline-dark { background: transparent; border-color: var(--navy); color: var(--navy); }
.btn-outline-dark:hover { border-color: var(--navy); background: var(--navy); color: #fff; }
.btn-gold { background: var(--gold); color: #10211e; }
.btn-gold:hover { background: var(--gold-dark); color: #10211e; }
.page-hero .btn-outline,
.inst-hero .btn-outline,
.site-footer .btn-outline { border-color: rgba(255,255,255,.55); color: #fff; background: transparent; }
.page-hero .btn-outline:hover,
.inst-hero .btn-outline:hover,
.site-footer .btn-outline:hover { background: #fff; color: var(--navy); }
.btn-lg { padding: .95rem 1.5rem; font-size: .98rem; }

/* Header */
.site-header {
    position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
    background: var(--navy);
    border-bottom: 1px solid rgba(255,255,255,.1);
    height: auto;
    padding: 0;
}
.site-header.is-scrolled { border-bottom-color: rgba(255,255,255,.16); }
.header-bar {
    width: min(1440px, calc(100% - 3rem));
    margin: 0 auto;
    background: transparent;
    border-radius: 0;
}
.header-utility {
    height: var(--header-utility);
    background: var(--navy-dark);
    border-bottom: 1px solid var(--border);
}
.header-utility-inner {
    height: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
}
.header-hours {
    font-size: .75rem;
    font-weight: 600;
    letter-spacing: .04em;
    text-transform: uppercase;
    color: rgba(255,255,255,.72);
}
.header-utility-links { display: flex; align-items: center; gap: 1.1rem; }
.header-utility-links a {
    font-size: .78rem;
    font-weight: 600;
    color: #fff;
}
.header-utility-links a:hover { color: var(--gold); }
.header-inner {
    display: flex; align-items: center; justify-content: space-between;
    min-height: 76px; gap: 1.5rem;
    width: 100%;
    padding: 0;
}
.header-login {
    color: #fff;
    font-weight: 700;
    font-size: .88rem;
    padding: .4rem .35rem;
}
.header-login:hover { color: var(--gold); }
.brand { display: flex; align-items: center; gap: .75rem; flex-shrink: 0; }
.brand-icon { display: flex; }
.brand-text { display: flex; flex-direction: column; line-height: 1.15; }
.brand-text strong { font-size: 1.05rem; font-weight: 800; color: var(--white); letter-spacing: -0.03em; }
.brand-text small { font-size: .68rem; color: var(--gold); text-transform: uppercase; letter-spacing: .08em; }

.main-nav { display: flex; align-items: center; justify-content: center; gap: .1rem; min-width: 0; flex: 1; }
.nav-link {
    display: inline-flex; align-items: center; gap: .35rem;
    padding: .85rem 1rem; border-radius: 0; font-weight: 500; font-size: 1rem;
    color: #fff; background: none; border: none; cursor: pointer; font-family: inherit;
    position: relative;
    transition: color .2s;
}
.nav-link:hover { background: transparent; color: var(--gold); }
.nav-link.active { background: transparent; color: var(--gold); }
.nav-link.active::after,
.nav-dropdown-btn.active::after {
    content: "";
    position: absolute;
    left: .72rem;
    right: .72rem;
    bottom: .28rem;
    height: 2px;
    background: var(--gold);
}

.nav-dropdown { position: relative; }
.nav-dropdown-menu {
    position: absolute; top: calc(100% + 10px); left: 0; min-width: 280px;
    background: #fff; border: 1px solid var(--border); border-radius: 12px;
    box-shadow: none; padding: .45rem; opacity: 0; visibility: hidden; transform: translateY(6px);
    transition: opacity .2s, transform .2s, visibility .2s;
}
.nav-dropdown-menu::before {
    content: "";
    position: absolute;
    left: 0;
    right: 0;
    top: -12px;
    height: 12px;
}
.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown.open .nav-dropdown-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.nav-dropdown-menu a {
    display: flex; flex-direction: column; gap: .1rem;
    padding: .7rem .85rem; border-radius: 8px; font-size: .9rem; font-weight: 600; color: var(--text);
}
.nav-dropdown-menu a small {
    font-size: .75rem; font-weight: 500; color: var(--text-muted); letter-spacing: 0;
}
.nav-dropdown-menu a:hover { background: var(--bg); color: var(--navy); }
.nav-dropdown-menu a.active { background: var(--navy); color: var(--gold); font-weight: 700; }

.header-actions { display: flex; align-items: center; gap: .75rem; flex-shrink: 0; }
.header-phone {
    display: flex; align-items: center; justify-content: center;
    width: 40px; height: 40px; border-radius: 10px; border: 1px solid var(--border); color: var(--white);
}
.header-phone:hover { border-color: var(--teal); color: var(--teal); }
.btn-banking { padding: .7rem 1.15rem; font-size: .875rem; }
.client-login-link {
    font-size: .85rem;
    font-weight: 500;
    color: var(--text-muted);
    padding: .4rem .6rem;
}
.client-login-link:hover { color: var(--gold); background: transparent; }

.nav-mobile-actions { display: none; }
.nav-overlay {
    display: none;
    position: fixed;
    inset: 0;
    top: var(--header-h);
    background: rgba(15, 28, 46, .45);
    z-index: 998;
}
.nav-overlay.is-visible {
    display: block;
}

.mobile-toggle {
    display: none;
    flex-direction: column;
    justify-content: center;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: .5rem;
    width: 42px;
    height: 42px;
    border-radius: 8px;
    z-index: 1001;
}
.mobile-toggle:hover { background: rgba(255,255,255,.1); }
.mobile-toggle span {
    display: block;
    width: 22px;
    height: 2px;
    background: #fff;
    border-radius: 2px;
    transition: transform .2s, opacity .2s;
    margin: 0 auto;
}
.mobile-toggle.is-open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.mobile-toggle.is-open span:nth-child(2) { opacity: 0; }
.mobile-toggle.is-open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Institutional homepage banner — matched to the open SecureVest layout */
.inst-hero { background: var(--bg); padding: 1.5rem 0 0; }
.inst-hero-wrap {
    width: min(1920px, calc(100% - 3rem));
    margin: 0 auto;
    display: flex;
    gap: 1.5rem;
    align-items: stretch;
}
.inst-panel {
    background: var(--navy);
    color: #fff;
    border-radius: 24px;
    display: flex;
    overflow: hidden;
    min-height: 680px;
    flex: 1 1 68%;
    max-width: 1260px;
}
.inst-copy { padding: 4rem 2rem 4rem 4rem; display: flex; flex-direction: column; justify-content: center; max-width: 720px; flex: 1 1 52%; }
.inst-kicker {
    color: var(--gold);
    font-weight: 600;
    letter-spacing: .04em;
    text-transform: uppercase;
    font-size: 1.05rem;
    margin-bottom: 1.25rem;
}
.inst-kicker-dark { color: var(--navy); letter-spacing: .08em; font-size: .8rem; }
.inst-copy h1 {
    font-size: clamp(2.4rem, 4vw, 3rem);
    line-height: 1.1;
    letter-spacing: -.03em;
    font-weight: 700;
    color: #fff;
    margin-bottom: 1rem;
}
.inst-lead { color: rgba(255,255,255,.82); font-size: 1rem; max-width: 36rem; margin-bottom: 2.5rem; }
.inst-actions { display: flex; flex-wrap: wrap; gap: .75rem; margin-bottom: 1.75rem; }
.inst-hero .hero-stats {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: .75rem;
}
.inst-hero .hero-stat {
    background: rgba(255,255,255,.08);
    border: 1px solid rgba(255,255,255,.16);
    border-radius: 12px;
    padding: .9rem 1rem;
}
.inst-hero .hero-stat strong { font-size: .95rem; letter-spacing: -.02em; }
.inst-photo { position: relative; min-height: 420px; flex: 1 1 48%; margin-left: -2.5rem; }
.inst-photo img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center top;
    clip-path: polygon(24% 0, 100% 0, 100% 100%, 0 100%);
}
.inst-portal-shell {
    border-radius: 24px;
    padding: 4rem 2.5rem;
    background: #0c3833 url('../img/photos/laptop.jpg') center / cover no-repeat;
    display: flex;
    align-items: center;
    justify-content: center;
    flex: 0 1 520px;
}
.inst-portal {
    background: #fff;
    border-radius: 16px;
    padding: 2rem;
    border: 0;
    width: min(100%, 28.5rem);
    display: flex;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    color: var(--text);
}
.inst-portal h2 { font-size: 1.5rem; line-height: 1.2; letter-spacing: -.02em; font-weight: 600; margin: 1rem 0 0; }
.inst-portal > p { color: var(--text-muted); }
.inst-form { display: flex; flex-direction: column; gap: 1rem; margin-top: 2rem; }
.inst-form label { display: block; font-size: .75rem; font-weight: 600; margin-bottom: .5rem; }
.inst-form input {
    width: 100%;
    height: 3rem;
    padding: 0 1rem;
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: 8px;
    font: inherit;
    color: var(--text);
}
.inst-form .btn { width: 100%; margin-top: .5rem; }
.inst-form-note { margin-top: 1.25rem; font-size: .75rem; font-weight: 600; text-align: center; }
.inst-form-note a { color: var(--navy); }
.inst-quotes { width: 100%; display: flex; flex-direction: column; gap: .65rem; margin-top: 1.25rem; }
.inst-portal .hero-card { background: var(--bg); border: 1px solid var(--border); }
.sv-block { padding: 6.25rem 0 3.5rem; background: var(--bg); }
.sv-wrap { width: min(1440px, calc(100% - 3rem)); margin: 0 auto; }
.sv-split { display: grid; grid-template-columns: 1.15fr .85fr; gap: 2.5rem; align-items: start; margin-bottom: 4rem; }
.sv-split h2, .sv-faq h2, .sv-rail h2 { font-size: clamp(2.25rem, 4vw, 3rem); letter-spacing: -.03em; line-height: 1.1; font-weight: 700; }
.sv-split p { color: var(--text-muted); font-size: 1.125rem; }
.home-card-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 1.25rem;
}
.home-card {
    background: #fff;
    border: 1px solid var(--border);
    border-top: 3px solid var(--navy);
    border-radius: 16px;
    padding: 1.5rem 1.35rem 1.4rem;
    min-height: 210px;
    display: flex;
    flex-direction: column;
    gap: .75rem;
}
.home-card-index {
    color: var(--navy);
    background: var(--gold);
    width: 2.4rem;
    height: 2.4rem;
    border-radius: 8px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: .8rem;
    font-weight: 800;
}
.home-card h3 {
    font-size: 1.2rem;
    letter-spacing: -.02em;
    line-height: 1.25;
}
.home-card p {
    color: var(--text-muted);
    font-size: .95rem;
    line-height: 1.5;
    margin-top: auto;
}
.sv-mosaic {
    display: grid;
    grid-template-columns: 1.15fr .85fr .85fr;
    gap: 2rem;
}
.sv-shot { width: 100%; height: 100%; min-height: 320px; object-fit: cover; border-radius: 16px; }
.sv-shot-wide { grid-column: span 2; min-height: 280px; aspect-ratio: 835 / 310; }
.sv-stat {
    border-radius: 16px;
    padding: 2rem;
    color: #fff;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    min-height: 320px;
    gap: 1.25rem;
}
.sv-stat strong { color: var(--gold); font-size: clamp(2.75rem, 4vw, 4rem); letter-spacing: -.04em; line-height: 1; }
.sv-stat h3 { font-size: 1.35rem; font-weight: 600; line-height: 1.35; }
.sv-stat-0 { background: var(--navy); }
.sv-stat-1 { background: #621348; }
.sv-stat-2 { background: #14265C; }
.sv-rail {
    display: grid;
    grid-template-columns: .85fr 1.15fr;
    gap: 4rem;
    background: var(--navy);
    color: #fff;
    border-radius: 24px;
    padding: 4.5rem 4rem;
}
.sv-rail-copy p { color: rgba(255,255,255,.8); margin: 1rem 0 1.5rem; font-size: 1.05rem; }
.sv-checks { display: flex; flex-direction: column; gap: .85rem; margin-bottom: 2rem; }
.sv-checks li { position: relative; padding-left: 1.75rem; }
.sv-checks li::before { content: ""; position: absolute; left: 0; top: .4rem; width: .85rem; height: .85rem; border-radius: 50%; background: var(--gold); }
.sv-rail-item { border-bottom: 1px solid rgba(255,255,255,.14); }
.sv-rail-item .faq-question { color: #fff; background: transparent; font-size: 1.15rem; padding: 1.35rem 0; }
.sv-faq .faq-list { max-width: none; margin: 0; }
.sv-rail-item .faq-answer p { color: rgba(255,255,255,.82); padding: 0 0 1rem 0; }
.sv-rail-item .faq-answer a { color: var(--gold); font-weight: 700; }
.sv-faq { display: grid; grid-template-columns: .7fr 1.3fr; gap: 3rem; align-items: start; }
.sv-cta {
    background: var(--navy);
    color: #fff;
    border-radius: 24px;
    padding: 4rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 2rem;
    flex-wrap: wrap;
}
.sv-cta h2 { font-size: clamp(2rem, 4vw, 3rem); letter-spacing: -.03em; margin-bottom: .6rem; font-weight: 700; }
.sv-cta p { color: rgba(255,255,255,.8); max-width: 38rem; }
@media (max-width: 1100px) {
    .inst-hero-wrap, .inst-panel { flex-direction: column; }
    .inst-panel { max-width: none; min-height: 0; }
    .inst-copy { max-width: none; padding: 2.5rem 1.5rem; }
    .inst-photo { margin-left: 0; min-height: 280px; }
    .inst-photo img { clip-path: none; }
    .inst-portal-shell { flex: none; width: 100%; padding: 1.5rem; }
    .sv-split, .sv-mosaic, .sv-rail, .sv-faq, .inst-hero .hero-stats { grid-template-columns: 1fr; }
    .home-card-grid { grid-template-columns: 1fr 1fr; }
    .sv-shot-wide { grid-column: auto; }
    .sv-rail { padding: 2rem 1.5rem; }
}
.page-hero, .page-hero-rich, .contact-hero {
    background: var(--navy);
    color: #fff;
    padding: 6.5rem 0 5.5rem;
    overflow: visible;
}
.page-hero .container, .contact-hero .container {
    background: transparent;
    border-radius: 0;
    padding: 0;
}

/* Homepage banner slider */
.banner-slider {
    position: relative;
    background: var(--navy);
    color: var(--white);
}
.banner-viewport {
    position: relative;
    height: 640px;
    overflow: hidden;
}
.banner-slide {
    position: absolute;
    inset: 0;
    display: grid;
    grid-template-columns: minmax(0, 1.05fr) minmax(0, .95fr);
    opacity: 0;
    visibility: hidden;
    transition: opacity .45s ease;
}
.banner-slide.is-active {
    opacity: 1;
    visibility: visible;
    z-index: 1;
}
.banner-copy {
    background: var(--navy);
    display: flex;
    align-items: center;
    min-width: 0;
    padding: 0 2rem 0 4vw;
}
.banner-copy-inner {
    width: 100%;
    max-width: 560px;
    margin-left: auto;
    padding: 2.75rem 0 5.5rem;
}
.banner-media {
    position: relative;
    min-width: 0;
    min-height: 640px;
    overflow: hidden;
    background: var(--navy-dark);
}
.banner-media img {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    max-width: none;
    object-fit: cover;
}
.banner-controls {
    position: absolute;
    z-index: 2;
    left: 0;
    right: 0;
    bottom: 1.35rem;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: .75rem;
}
.banner-arrow {
    width: 42px;
    height: 42px;
    border-radius: 50%;
    border: 1px solid rgba(255, 255, 255, .35);
    background: var(--navy);
    color: var(--white);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
}
.banner-arrow:hover { border-color: var(--gold); color: var(--gold); }
.banner-dots { display: flex; align-items: center; gap: .45rem; }
.banner-dot {
    width: 9px;
    height: 9px;
    padding: 0;
    border: 0;
    border-radius: 999px;
    background: rgba(255, 255, 255, .35);
    cursor: pointer;
}
.banner-dot.is-active { width: 28px; background: var(--gold); }

.hero-badge {
    display: inline-block; background: var(--gold); color: #10151c;
    padding: .4rem .8rem; border-radius: 999px; font-size: .72rem; font-weight: 700;
    text-transform: uppercase; letter-spacing: .08em; margin-bottom: 1.25rem;
}
.banner-copy h1,
.banner-copy h2 {
    font-size: clamp(2.4rem, 4.4vw, 3.7rem); font-weight: 800;
    line-height: 1.02; letter-spacing: -0.045em; margin-bottom: 1.1rem; color: var(--white);
}
.banner-copy h1 span,
.banner-copy h2 span { color: var(--gold); }
.hero-lead { font-size: 1.08rem; color: rgba(255,255,255,.8); margin-bottom: 1.75rem; max-width: 520px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .75rem; margin-bottom: 2rem; }
.hero-stats { display: flex; gap: 1.75rem; flex-wrap: wrap; }
.hero-stat strong { display: block; font-size: 1.15rem; font-weight: 800; color: var(--gold); }
.hero-stat span { font-size: .85rem; color: rgba(255,255,255,.65); }

.banner-media .hero-card-stack {
    position: absolute;
    left: 1.25rem;
    bottom: 4.75rem;
    width: min(280px, calc(100% - 2.5rem));
    margin: 0;
    z-index: 1;
}
.photo-band { margin: 4rem auto 0; position: relative; z-index: 2; }
.photo-band img {
    width: 100%;
    height: 420px;
    object-fit: cover;
    border-radius: 16px;
    display: block;
}
@media (max-width: 700px) {
    .photo-band img { height: 200px; }
}
.hero-card-stack {
    position: relative;
    width: min(100%, 360px);
    height: auto;
    margin-left: auto;
    display: flex;
    flex-direction: column;
    gap: .7rem;
    background: var(--surface);
    color: var(--text);
    border: 1px solid var(--border);
    border-radius: 20px;
    padding: .85rem;
    box-shadow: none;
}
.hero-card {
    position: static;
    width: auto;
    background: var(--bg);
    color: var(--text);
    border-radius: 14px;
    padding: 1rem 1.05rem;
    box-shadow: none;
}
.hero-card-main { background: #12171e; color: var(--white); border: 1px solid var(--border); }
.hero-card-float { background: var(--bg-alt); color: var(--text); }
.hero-card-float2 { background: var(--bg); color: var(--text); }
.hero-card label { font-size: .72rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: .08em; }
.hero-card-main label, .hero-card-float label { color: inherit; opacity: .72; }
.hero-card .amount { font-size: 1.45rem; font-weight: 800; margin: .2rem 0 .35rem; letter-spacing: -.03em; }
.hero-card .amount.hero-card-services {
    font-size: 1.05rem;
    line-height: 1.35;
    letter-spacing: -.02em;
}
.hero-card .change { font-size: .85rem; font-weight: 600; color: var(--teal); }
.hero-card-main .change { color: var(--gold); }

/* Trust bar */
.trust-bar { background: #fff; border-bottom: 1px solid var(--border); padding: 1.25rem 0; }
.trust-items { display: flex; justify-content: center; flex-wrap: wrap; gap: 2rem 3rem; }
.trust-item { display: flex; align-items: center; gap: .65rem; font-size: .9rem; font-weight: 500; color: var(--text-muted); }
.trust-item svg { color: var(--teal); flex-shrink: 0; }

/* Feature cards */
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.feature-card {
    background: var(--surface); border: 0; border-radius: 24px;
    padding: 1.75rem; transition: border-color .2s;
}
.feature-card:hover { box-shadow: none; border-color: var(--gold); transform: none; }
a.feature-card { display: block; text-decoration: none; color: inherit; }
.feature-card-photo { overflow: hidden; padding-top: 0; }
.insight-thumb {
    width: calc(100% + 4rem);
    height: 170px;
    object-fit: cover;
    margin: 0 -2rem 1.25rem;
    display: block;
}
.feature-icon {
    width: 52px; height: 52px; border-radius: 999px; background: var(--gold);
    display: flex; align-items: center; justify-content: center; margin-bottom: 1.25rem;
    color: #10211e;
}
.feature-card h3 { font-size: 1.15rem; font-weight: 700; margin-bottom: .5rem; }
.feature-card p { color: var(--text-muted); font-size: .95rem; }
.feature-card a { display: inline-flex; align-items: center; gap: .35rem; margin-top: 1rem; font-weight: 600; font-size: .9rem; color: var(--teal); }
.feature-card a:hover { color: var(--teal-dark); }

/* Products */
.products-section {
    position: relative;
}

.products-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.25rem;
}

.product-card {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    text-align: left;
    overflow: hidden;
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: 24px;
    padding: 0 0 1.35rem;
    transition: border-color .2s, transform .2s, box-shadow .2s;
    color: inherit;
    min-height: 100%;
}
.product-card > :not(.product-photo) { margin-left: 1.2rem; margin-right: 1.2rem; }
.product-photo {
    width: 100%;
    height: 180px;
    object-fit: cover;
    margin: 0 0 1rem;
    display: block;
}

.product-card:hover {
    border-color: var(--gold);
    transform: none;
    box-shadow: none;
    text-decoration: none;
}

.product-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 2.75rem;
    height: 2.75rem;
    border-radius: 10px;
    background: rgba(30, 58, 95, .08);
    color: var(--text);
    margin-bottom: 1rem;
}

.product-card:hover .product-icon {
    background: rgba(13, 148, 136, .12);
    color: var(--teal);
}

.product-tag {
    font-size: .7rem;
    font-weight: 700;
    letter-spacing: .1em;
    text-transform: uppercase;
    color: var(--gold-dark);
    margin-bottom: .55rem;
}

.product-card h3 {
    font-size: 1.1rem;
    font-weight: 800;
    color: var(--text);
    letter-spacing: -.02em;
    margin-bottom: .45rem;
    line-height: 1.3;
}

.product-meta {
    font-size: .92rem;
    font-weight: 700;
    color: var(--teal);
    margin: 0 0 .65rem;
}

.product-card p {
    font-size: .9rem;
    color: var(--text-muted);
    line-height: 1.6;
    margin: 0;
    flex: 1;
}

.product-link {
    display: inline-flex;
    align-items: center;
    gap: .35rem;
    margin-top: 1.15rem;
    font-size: .88rem;
    font-weight: 700;
    color: var(--text);
}

.product-link::after {
    content: '→';
    transition: transform .2s;
}

.product-card:hover .product-link {
    color: var(--teal);
}

.product-card:hover .product-link::after {
    transform: translateX(3px);
}

/* Keep older .rate usage if referenced elsewhere */
.product-card .rate {
    font-size: 1.05rem;
    font-weight: 800;
    color: var(--teal);
    margin: .35rem 0 .65rem;
}

/* Highlights / stats band */
.highlights-section {
    position: relative;
    overflow: hidden;
    padding: 2.75rem 0;
    background: #0c1117;
    color: var(--white);
}

.highlights-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.25rem;
}

.highlight-item {
    display: flex;
    align-items: center;
    gap: .9rem;
    padding: 1.15rem 1.2rem;
    border: 1px solid rgba(255, 255, 255, .12);
    border-radius: 28px;
    background: rgba(255, 255, 255, .04);
    transition: background .2s, border-color .2s, transform .2s;
}

.highlight-item:hover {
    background: rgba(255, 255, 255, .08);
    border-color: rgba(209, 222, 111, .55);
    transform: translateY(-2px);
}

.highlight-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 2.5rem;
    height: 2.5rem;
    border-radius: 999px;
    background: rgba(209, 222, 111, .18);
    color: var(--gold);
    flex-shrink: 0;
    line-height: 0;
}

.highlight-icon svg {
    display: block;
    flex-shrink: 0;
}

.highlight-item strong {
    display: block;
    font-size: 1.05rem;
    font-weight: 800;
    color: var(--white);
    letter-spacing: -.02em;
    margin-bottom: .2rem;
}

.highlight-item > div > span {
    display: block;
    font-size: .85rem;
    line-height: 1.45;
    color: rgba(255, 255, 255, .7);
}

/* Legacy stats (kept for compatibility) */
.stats-section { background: #0c1117; color: var(--white); }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 2rem; text-align: center; }
.stat-item strong { display: block; font-size: 2.5rem; font-weight: 800; }
.stat-item span { font-size: .9rem; opacity: .85; }

/* Steps */
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
.step-card { text-align: left; padding: 1.5rem; background: #fff; border-radius: 24px; }
.step-num {
    width: 48px; height: 48px; border-radius: 50%; background: var(--gold); color: #16130c;
    display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 1.1rem;
    margin: 0 auto 1rem;
}
.step-card h3 { font-size: 1.1rem; margin-bottom: .5rem; }
.step-card p { color: var(--text-muted); font-size: .95rem; }

/* Testimonials */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.testimonial-card {
    background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius);
    padding: 1.75rem;
}
.testimonial-card .stars { color: var(--gold); font-size: 1rem; margin-bottom: 1rem; }
.testimonial-card blockquote { font-size: .95rem; color: var(--text); margin-bottom: 1.25rem; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: .75rem; }
.author-avatar {
    width: 40px; height: 40px; border-radius: 50%; background: var(--navy); color: var(--white);
    display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: .85rem;
}
.author-info strong { display: block; font-size: .9rem; }
.author-info span { font-size: .8rem; color: var(--text-muted); }

/* FAQ */
.faq-list { max-width: 760px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-question {
    width: 100%; text-align: left; background: none; border: none; padding: 1.25rem 0;
    font: inherit; font-weight: 600; font-size: 1rem; cursor: pointer;
    display: flex; justify-content: space-between; align-items: center; color: var(--text);
}
.faq-question svg { flex-shrink: 0; transition: transform .2s; color: var(--text-muted); }
.faq-item.open .faq-question svg { transform: rotate(180deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-item.open .faq-answer { max-height: 40rem; }
.faq-answer p { padding-bottom: 1.25rem; color: var(--text-muted); font-size: .95rem; }

/* CTA */
.cta-banner {
    background: var(--navy); color: #fff; border: 0; border-radius: 28px;
    padding: 2.5rem; display: flex; align-items: center; justify-content: space-between; gap: 2rem;
    flex-wrap: wrap;
}
.cta-banner h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); font-weight: 800; letter-spacing: -.03em; margin-bottom: .5rem; }
.cta-banner p { color: rgba(255,255,255,.8); opacity: 1; max-width: 36rem; }

/* Page hero (inner pages) */
.page-hero {
    position: relative;
    overflow: visible;
    background: var(--navy);
    color: #fff;
    padding: 6.5rem 0 5.5rem;
}
.page-hero-rich {
    background: var(--navy);
    padding: 6.5rem 0 5.5rem;
}
.page-hero h1 { font-size: clamp(2.4rem, 4vw, 3rem); font-weight: 700; letter-spacing: -.03em; margin-bottom: 1rem; line-height: 1.1; }
.page-hero p { font-size: 1.05rem; opacity: .85; max-width: 40rem; }
.page-hero-brand {
    font-size: .78rem;
    font-weight: 700;
    letter-spacing: .14em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: .75rem;
    opacity: 1;
}
.page-hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: .75rem;
    margin-top: 1.5rem;
}
.breadcrumb { display: flex; gap: .5rem; font-size: .85rem; margin-bottom: 1rem; opacity: .7; }
.breadcrumb a:hover { opacity: 1; text-decoration: underline; }

.about-story-grid {
    display: grid;
    grid-template-columns: 1.2fr .9fr;
    gap: 2.5rem;
    align-items: start;
}
.about-panel {
    background: var(--navy);
    border: 0;
    border-radius: 28px;
    padding: 2rem;
    color: #fff;
}
.about-panel h3 {
    font-size: 1.15rem;
    font-weight: 800;
    color: #fff;
    margin-bottom: 1.25rem;
}
.about-panel-list {
    display: flex;
    flex-direction: column;
    gap: 1.15rem;
}
.about-panel-list li {
    padding: 0;
}
.about-panel-list strong {
    display: block;
    color: #fff;
    font-size: .95rem;
    margin-bottom: .25rem;
}
.about-panel-list span {
    color: rgba(255,255,255,.8);
    font-size: .9rem;
    line-height: 1.55;
}

.about-panel-intro {
    color: var(--text-muted);
    font-size: .92rem;
    line-height: 1.6;
    margin-bottom: 1.25rem;
}

.approach-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: .75rem;
    margin-bottom: 1.25rem;
}

.approach-card {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: 10px;
    padding: .9rem 1rem;
}

.approach-card h4 {
    font-size: .92rem;
    color: var(--text);
    margin-bottom: .2rem;
}

.approach-card p {
    font-size: .8rem;
    color: var(--teal);
    font-weight: 600;
    margin: 0;
}

.approach-cta {
    width: 100%;
}

.content-block a {
    color: var(--teal);
    font-weight: 600;
}

.content-block a:hover {
    text-decoration: underline;
}

.content-block a.btn {
    color: inherit;
    font-weight: 600;
    text-decoration: none;
}

.content-block a.btn-primary {
    color: var(--white);
}

.content-block a.btn:hover {
    text-decoration: none;
}

.inline-actions {
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
    margin-top: 1.5rem;
}

.stock-dash-badge {
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: .06em;
    text-transform: uppercase;
    color: var(--teal);
    background: rgba(13, 148, 136, .1);
    border: 1px solid rgba(13, 148, 136, .25);
    padding: .3rem .55rem;
    border-radius: 6px;
}
.stock-dash-badge-live {
    color: #047857;
    background: rgba(16, 185, 129, .12);
    border-color: rgba(16, 185, 129, .35);
}

.live-quotes-cta {
    width: 100%;
    margin-top: 1rem;
}

.ticker-item em {
    font-style: normal;
    font-weight: 600;
    margin-left: .25rem;
}
.ticker-item em.positive { color: #6ee7b7; }
.ticker-item em.negative { color: #fca5a5; }

.hero-card .change.positive { color: #6ee7b7; }
.hero-card .change.negative { color: #fca5a5; }

.stock-dash-note {
    font-size: .85rem;
    color: var(--text-muted);
    margin-bottom: 1rem;
}
.market-label {
    display: inline-block;
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: .08em;
    text-transform: uppercase;
    color: var(--gold-dark);
    background: rgba(209, 222, 111, .16);
    border: 1px solid rgba(209, 222, 111, .4);
    padding: .3rem .55rem;
    border-radius: 6px;
    margin-bottom: .75rem;
}
.pricing-heading {
    text-align: center;
    margin-bottom: 1rem;
    font-size: 1.75rem;
    font-weight: 800;
    color: var(--text);
}
.pricing-sub {
    text-align: center;
    color: var(--text-muted);
    margin-bottom: 2rem;
}
.cta-banner-plain {
    background: transparent;
    padding: 0;
}

/* Content blocks */
.content-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: center; }
.content-block h2 { font-size: 1.75rem; font-weight: 800; margin-bottom: 1rem; }
.content-block p { color: var(--text-muted); margin-bottom: 1rem; }
.content-block ul { margin: 1rem 0; }
.content-block li {
    padding: .5rem 0 .5rem 1.5rem; position: relative; color: var(--text-muted);
}
.content-block li::before {
    content: ''; position: absolute; left: 0; top: .85rem;
    width: 8px; height: 8px; border-radius: 50%; background: var(--teal);
}
.info-panel {
    background: #fff; border: 0; border-radius: 24px; padding: 2rem;
}
.info-panel h3 { font-size: 1.1rem; margin-bottom: 1rem; }
.info-panel .highlight { font-size: 2rem; font-weight: 800; color: var(--teal); }

/* Contact */
.contact-hero {
    position: relative;
    overflow: visible;
    background: var(--navy);
    padding: 6.5rem 0 5.5rem;
}

.contact-hero-brand {
    font-size: .78rem;
    font-weight: 700;
    letter-spacing: .14em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: .75rem;
}

.contact-section { padding-top: 3.5rem; }

.contact-layout {
    display: grid;
    grid-template-columns: minmax(0, .95fr) minmax(0, 1.35fr);
    gap: 2rem;
    align-items: start;
}

.contact-aside-card {
    background: var(--navy);
    color: rgba(255, 255, 255, .82);
    border: 1px solid rgba(255, 255, 255, .08);
    border-radius: 28px;
    padding: 2rem;
    position: sticky;
    top: calc(var(--header-h) + 1rem);
}

.contact-aside-card h2 {
    color: var(--white);
    font-size: 1.35rem;
    font-weight: 800;
    letter-spacing: -.02em;
    margin-bottom: .5rem;
}

.contact-aside-lead {
    font-size: .95rem;
    line-height: 1.6;
    margin-bottom: 1.75rem;
    color: rgba(255, 255, 255, .7);
}

.contact-channel {
    display: flex;
    gap: .9rem;
    align-items: flex-start;
    padding: 1rem 0;
    border-top: 1px solid rgba(255, 255, 255, .1);
    color: inherit;
    transition: color .2s;
}

.contact-channel:last-child { padding-bottom: 0; }

.contact-channel strong {
    display: block;
    color: var(--white);
    font-size: .82rem;
    font-weight: 700;
    letter-spacing: .04em;
    text-transform: uppercase;
    margin-bottom: .2rem;
}

.contact-channel span span {
    font-size: .95rem;
    line-height: 1.5;
}

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

.contact-channel-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 2.35rem;
    height: 2.35rem;
    border-radius: 999px;
    background: rgba(209, 222, 111, .16);
    color: var(--gold);
    flex-shrink: 0;
}

.contact-form-panel {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: 28px;
    padding: 2rem 2.15rem 2.25rem;
    box-shadow: none;
}

.contact-form-head {
    margin-bottom: 1.5rem;
    padding-bottom: 1.25rem;
    border-bottom: 1px solid var(--border);
}

.contact-form-head h2 {
    font-size: 1.45rem;
    font-weight: 800;
    letter-spacing: -.02em;
    color: var(--text);
    margin-bottom: .35rem;
}

.contact-form-head p {
    color: var(--text-muted);
    font-size: .95rem;
}

.contact-form .form-group { margin-bottom: 1.15rem; }
.contact-form .form-group label {
    display: block;
    font-weight: 600;
    font-size: .84rem;
    color: var(--text);
    margin-bottom: .45rem;
}

.contact-form .form-group input,
.contact-form .form-group select,
.contact-form .form-group textarea {
    width: 100%;
    padding: .8rem 1rem;
    border: 1.5px solid var(--border);
    border-radius: 10px;
    font: inherit;
    background: var(--bg);
    color: var(--text);
    transition: border-color .2s, box-shadow .2s, background .2s;
}

.contact-form .form-group input::placeholder,
.contact-form .form-group textarea::placeholder { color: #7f8b99; }
.contact-form .form-group select option { background: #fff; color: var(--text); }

.contact-form .form-group input:focus,
.contact-form .form-group select:focus,
.contact-form .form-group textarea:focus {
    outline: none;
    border-color: var(--gold);
    background: var(--bg);
    box-shadow: none;
}

.contact-form-note {
    font-size: .8rem;
    color: var(--text-muted);
    margin: -.25rem 0 1.25rem;
    line-height: 1.5;
}

.contact-form-note a {
    color: var(--teal);
    text-decoration: underline;
}

.contact-submit { width: 100%; }

.contact-next { border-top: 1px solid var(--border); }

.contact-steps {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.75rem;
}

.contact-step {
    background: #fff;
    border-radius: 24px;
    padding: 1.5rem;
    border-top: 0;
}

.contact-step-num {
    display: block;
    font-size: 1.6rem;
    font-weight: 800;
    letter-spacing: -.04em;
    color: var(--navy);
    margin-bottom: .75rem;
}

.contact-step h3 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--text);
    margin-bottom: .5rem;
}

.contact-step p {
    color: var(--text-muted);
    font-size: .95rem;
    line-height: 1.65;
}

.form-group { margin-bottom: 1.25rem; }
.form-group label { display: block; font-weight: 500; font-size: .875rem; margin-bottom: .4rem; }
.form-group input, .form-group select, .form-group textarea {
    width: 100%; padding: .75rem 1rem; border: 1px solid var(--border); border-radius: 10px;
    font: inherit; transition: border-color .2s;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
    outline: none; border-color: var(--teal);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.alert { padding: 1rem; border-radius: 10px; margin-bottom: 1.25rem; font-size: .9rem; }
.alert-success { background: #d1fae5; color: #065f46; border: 1px solid #a7f3d0; }
.alert-error { background: #fee2e2; color: #991b1b; border: 1px solid #fecaca; }

/* Legacy contact selectors kept for safety */
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 3rem; }
.contact-info-card {
    background: var(--navy); color: var(--white); border-radius: var(--radius); padding: 2rem;
}
.contact-info-card h3 { margin-bottom: 1.5rem; }
.contact-detail { display: flex; gap: 1rem; margin-bottom: 1.25rem; align-items: flex-start; }
.contact-detail svg { flex-shrink: 0; color: var(--gold); margin-top: 2px; }
.contact-detail a { color: var(--white); text-decoration: underline; }

/* Legal pages */
.legal-content { max-width: 800px; margin: 0 auto; background: #fff; border-radius: 28px; padding: 2rem 2.2rem; }
.legal-content h2 { font-size: 1.35rem; margin: 2rem 0 1rem; }
.legal-content p, .legal-content li { color: var(--text-muted); margin-bottom: .75rem; }
.legal-content ul { padding-left: 1.5rem; list-style: disc; }

/* Stock Management */
.feature-card-highlight { border-color: var(--gold); background: var(--surface); }
.feature-card-highlight .feature-icon { background: var(--gold); color: var(--navy-dark); }

.stock-ticker-bar {
    background: var(--navy-dark);
    color: var(--white);
    overflow: hidden;
    padding: .75rem 0;
    border-bottom: 1px solid rgba(255,255,255,.1);
}
.stock-ticker-track {
    display: flex;
    gap: 2.5rem;
    width: max-content;
    animation: ticker-scroll 40s linear infinite;
}
.ticker-item { white-space: nowrap; font-size: .85rem; }
.ticker-item strong { margin-right: .5rem; }
.ticker-item em { font-style: normal; font-weight: 600; margin-left: .35rem; }
.ticker-item em.positive { color: #6ee7b7; }
.ticker-item em.negative { color: #fca5a5; }
@keyframes ticker-scroll {
    0% { transform: translateX(0); }
    100% { transform: translateX(-50%); }
}

.stock-dashboard-preview {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: 28px;
    padding: 1.5rem;
    box-shadow: var(--shadow);
}
.stock-dash-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: .5rem;
    font-size: .85rem;
    color: var(--text-muted);
}
.stock-dash-value { font-size: 1.5rem; font-weight: 800; color: var(--text); }
.stock-dash-change { font-size: .9rem; font-weight: 600; margin-bottom: 1.25rem; }
.stock-dash-change.positive { color: var(--success); }
.stock-dash-change.negative { color: var(--error); }

.stock-table { width: 100%; border-collapse: collapse; font-size: .85rem; }
.stock-table th {
    text-align: left; padding: .5rem .75rem; font-weight: 600;
    color: var(--text-muted); border-bottom: 2px solid var(--border); font-size: .75rem;
    text-transform: uppercase;
}
.stock-table td { padding: .65rem .75rem; border-bottom: 1px solid var(--border); }
.stock-table td small { display: block; color: var(--text-muted); font-size: .75rem; }
.stock-table .positive { color: var(--success); font-weight: 600; }
.stock-table .negative { color: var(--error); font-weight: 600; }

.markets-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.25rem; }
.market-card {
    background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius);
    padding: 1.5rem; text-align: center;
}
.market-flag { font-size: 2rem; display: block; margin-bottom: .75rem; }
.market-card h3 { font-size: 1rem; margin-bottom: .5rem; }
.market-card p { font-size: .85rem; color: var(--text-muted); }

.pricing-table-wrap { max-width: 800px; margin: 0 auto; }
.pricing-table { width: 100%; border-collapse: collapse; background: var(--surface); border: 1px solid var(--border); border-radius: 24px; overflow: hidden; }
.pricing-table th, .pricing-table td { padding: 1rem 1.25rem; text-align: left; border-bottom: 1px solid var(--border); }
.pricing-table th { background: var(--navy); color: var(--white); font-size: .85rem; }
.pricing-table tr:last-child td { border-bottom: none; }
.pricing-table tr:hover td { background: var(--bg); }

.positive { color: var(--success); }
.negative { color: var(--error); }

/* Footer */
.site-footer {
    position: relative;
    overflow: hidden;
    background: var(--navy);
    color: rgba(255, 255, 255, .78);
    padding: 5.5rem 0 0;
}
.footer-shell {
    width: min(1440px, calc(100% - 3rem));
    margin: 0 auto;
    background: transparent;
    border-radius: 0;
    overflow: visible;
}

.footer-glow { display: none; }

.footer-cta-bar {
    position: relative;
    z-index: 1;
    border-bottom: 1px solid rgba(255, 255, 255, .08);
    background: rgba(255, 255, 255, .06);
}

.footer-cta-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1.5rem;
    padding: 1.75rem 0;
    flex-wrap: wrap;
}

.footer-cta-label {
    display: inline-block;
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: .35rem;
}

.footer-cta-copy p {
    color: #fff;
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 700;
    line-height: 1.15;
    letter-spacing: -.03em;
    max-width: 36rem;
}

.footer-cta-actions {
    display: flex;
    gap: .75rem;
    flex-wrap: wrap;
}

.footer-main {
    position: relative;
    z-index: 1;
    padding: 2.5rem 0 2.5rem;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.55fr repeat(3, minmax(0, 1fr)) 1.25fr;
    gap: 2.25rem 2rem;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: .85rem;
    margin-bottom: 1.15rem;
}

.footer-logo span {
    display: flex;
    flex-direction: column;
    line-height: 1.2;
    gap: .15rem;
}

.footer-logo strong {
    color: var(--white);
    font-size: 1.05rem;
    font-weight: 800;
    letter-spacing: -.02em;
}

.footer-logo small {
    color: rgba(255, 255, 255, .55);
    font-size: .72rem;
    text-transform: uppercase;
    letter-spacing: .06em;
}

.footer-brand-text {
    font-size: .92rem;
    line-height: 1.7;
    max-width: 22rem;
    margin-bottom: 1.25rem;
}

.footer-pillars {
    display: flex;
    flex-wrap: wrap;
    gap: .5rem;
}

.footer-pillars span {
    font-size: .75rem;
    font-weight: 600;
    letter-spacing: .04em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, .85);
    border: 1px solid rgba(209, 222, 111, .45);
    background: transparent;
    color: var(--gold);
    padding: .35rem .7rem;
    border-radius: 999px;
}

.footer-col h4 {
    color: var(--white);
    font-size: 1.35rem;
    font-weight: 600;
    margin-bottom: 1.5rem;
    text-transform: none;
    letter-spacing: 0;
    position: relative;
    padding-bottom: 0;
}
.footer-col h4::after { display: none; }

.footer-col h4.footer-heading-spaced { margin-top: 1.75rem; }

.footer-col ul li { margin-bottom: .7rem; }

.footer-col a {
    font-size: .9rem;
    color: rgba(255, 255, 255, .72);
    transition: color .2s, transform .2s;
    display: inline-block;
}

.footer-col a:hover {
    color: var(--gold);
    transform: translateX(2px);
}

.footer-contact li {
    display: flex;
    gap: .75rem;
    align-items: flex-start;
    font-size: .9rem;
    margin-bottom: 1rem;
    line-height: 1.5;
}

.footer-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 2rem;
    height: 2rem;
    border-radius: 999px;
    background: rgba(209, 222, 111, .16);
    color: var(--gold);
    border-radius: 999px;
    flex-shrink: 0;
}

.footer-hours {
    margin-top: .35rem;
    font-size: .8rem;
    color: rgba(255, 255, 255, .5);
}

.footer-bottom {
    position: relative;
    z-index: 1;
    border-top: 1px solid rgba(255, 255, 255, .1);
    padding: 1.35rem 0 1.6rem;
    background: transparent;
}

.footer-bottom-inner {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    flex-wrap: wrap;
    gap: 1.25rem 2rem;
    font-size: .8rem;
}

.footer-bottom-left {
    display: flex;
    flex-direction: column;
    gap: .65rem;
}

.footer-copy {
    color: rgba(255, 255, 255, .85);
    font-weight: 500;
}

.footer-legal-links {
    display: flex;
    flex-wrap: wrap;
    gap: .35rem 1rem;
}

.footer-legal-links a {
    color: rgba(255, 255, 255, .55);
    transition: color .2s;
}

.footer-legal-links a:hover { color: var(--gold); }

.footer-disclaimer {
    opacity: .65;
    max-width: 34rem;
    line-height: 1.6;
    color: rgba(255, 255, 255, .7);
}

/* Responsive */
@media (max-width: 1100px) {
    .footer-grid {
        grid-template-columns: 1.4fr 1fr 1fr;
    }
    .footer-contact-col {
        grid-column: 1 / -1;
        max-width: 28rem;
    }
}

@media (max-width: 1200px) {
    :root {
        --header-utility: 0px;
        --header-bar: 72px;
        --header-h: 76px;
    }
    .header-utility { display: none; }
    .nav-link.active::after,
    .nav-dropdown-btn.active::after { display: none; }
    .banner-viewport { height: auto; }
    .banner-slide {
        position: relative;
        display: none;
        grid-template-columns: 1fr;
    }
    .banner-slide.is-active {
        display: flex;
        flex-direction: column;
        opacity: 1;
        visibility: visible;
    }
    .banner-media { order: -1; height: 240px; min-height: 0; }
    .banner-media img { position: absolute; height: 100%; }
    .banner-media .hero-card-stack {
        position: static;
        margin: 1rem 6vw 0;
    }
    .banner-copy { padding: 0; }
    .banner-copy-inner { max-width: none; padding: 1.75rem 6vw 5.5rem; }
    .banner-copy h1,
    .banner-copy h2 { font-size: 2.15rem; }
    .content-grid, .contact-grid { grid-template-columns: 1fr; }
    .about-story-grid { grid-template-columns: 1fr; }
    .contact-layout { grid-template-columns: 1fr; }
    .contact-aside-card { position: static; }
    .contact-steps { grid-template-columns: 1fr; gap: 1.25rem; }
    .hero-card-stack { margin-left: 0; width: auto; }
    .features-grid, .testimonials-grid { grid-template-columns: 1fr 1fr; }
    .products-grid { grid-template-columns: 1fr 1fr; }
    .highlights-grid { grid-template-columns: 1fr 1fr; }
    .stats-grid { grid-template-columns: 1fr 1fr; }
    .markets-grid { grid-template-columns: 1fr 1fr; }

    .header-desktop-only { display: none !important; }
    .mobile-toggle { display: flex; }

    .brand-text strong { font-size: .9rem; max-width: 11rem; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
    .brand-text small { display: none; }

    .main-nav {
        position: fixed;
        top: var(--header-h);
        left: 0;
        right: 0;
        bottom: 0;
        z-index: 999;
        display: flex;
        background: #fff;
        color: var(--text);
        flex-direction: column;
        align-items: stretch;
        justify-content: flex-start;
        gap: .35rem;
        padding: 1.25rem 1.25rem 2rem;
        transform: translateX(100%);
        transition: transform .28s ease;
        overflow-y: auto;
        -webkit-overflow-scrolling: touch;
        border-top: 1px solid var(--border);
        box-shadow: -8px 0 30px rgba(15, 28, 46, .08);
    }
    .main-nav.open {
        transform: translateX(0);
    }
    .main-nav > .nav-link,
    .main-nav .nav-dropdown-btn {
        width: 100%;
        justify-content: space-between;
        padding: .9rem 1rem;
        font-size: 1rem;
        border-radius: 10px;
        color: var(--text);
    }
    .nav-dropdown { width: 100%; }
    .nav-dropdown:hover .nav-dropdown-menu {
        opacity: 0;
        visibility: hidden;
    }
    .nav-dropdown-menu {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        border: none;
        padding: .15rem 0 .35rem .5rem;
        display: none;
        min-width: 0;
        background: transparent;
    }
    .nav-dropdown.open .nav-dropdown-menu {
        display: block;
        opacity: 1;
        visibility: visible;
    }
    .nav-dropdown.open .nav-dropdown-btn svg {
        transform: rotate(180deg);
    }
    .nav-dropdown-btn svg {
        transition: transform .2s;
    }
    .nav-dropdown-menu a {
        padding: .75rem 1rem;
        font-size: .95rem;
    }
    .nav-mobile-actions {
        display: flex;
        flex-direction: column;
        gap: .75rem;
        margin-top: 1.25rem;
        padding-top: 1.25rem;
        border-top: 1px solid var(--border);
    }
    .nav-mobile-actions .btn {
        width: 100%;
        justify-content: center;
    }
}

@media (max-width: 768px) {
    .header-phone { display: none; }
    .features-grid, .products-grid, .testimonials-grid, .steps-grid, .stats-grid, .highlights-grid, .home-card-grid { grid-template-columns: 1fr; }
    .markets-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem 1.25rem; }
    .footer-brand, .footer-contact-col { grid-column: 1 / -1; }
    .footer-cta-inner { flex-direction: column; align-items: flex-start; }
    .footer-bottom-inner { flex-direction: column; }
    .cta-banner { padding: 2rem; text-align: center; justify-content: center; }
    .form-row { grid-template-columns: 1fr; }
    .section { padding: 3.5rem 0; }
}
@media (max-width: 480px) {
    .footer-grid { grid-template-columns: 1fr; }
}