/* =========================================================
   SECURE FINANCIAL GROUP — Concept 1 "HERITAGE TRUST"
   Refined Editorial / Premium Classic
   ========================================================= */

/* ---------- Design tokens ---------- */
:root {
  /* Locked brand colors */
  --navy: #042650;
  --navy-deep: #021a3a;
  --sky: #2AABE2;
  --green: #8DC641;
  --gold: #C8A24B;
  --gray: #8C8C8C;

  /* Editorial neutrals */
  --cream: #F7F4EC;
  --cream-soft: #FBFAF6;
  --white: #FFFFFF;
  --ink: #15233A;          /* primary text on light */
  --ink-soft: #4A5567;     /* secondary text on light */
  --line: #E6E0D2;         /* warm hairline on cream */
  --line-cool: #DfE4EA;

  /* Tints */
  --gold-tint: rgba(200, 162, 75, 0.12);
  --sky-tint: rgba(42, 171, 226, 0.10);
  --navy-tint: rgba(4, 38, 80, 0.06);

  /* Type */
  --serif: "Fraunces", Georgia, "Times New Roman", serif;
  --sans: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;

  /* Rhythm */
  --wrap: 1200px;
  --gutter: clamp(1.25rem, 4vw, 3rem);
  --section-y: clamp(4rem, 9vw, 7.5rem);
  --radius: 4px;
  --radius-lg: 10px;

  --shadow-sm: 0 1px 2px rgba(4, 38, 80, 0.05);
  --shadow-md: 0 12px 32px rgba(4, 38, 80, 0.10);
  --shadow-lg: 0 26px 60px rgba(4, 38, 80, 0.16);

  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    transition-duration: 0.001ms !important;
  }
}

body {
  font-family: var(--sans);
  color: var(--ink);
  background: var(--cream-soft);
  line-height: 1.65;
  font-size: clamp(1.0625rem, 0.4vw + 1rem, 1.125rem);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }

a { color: var(--sky); text-decoration: none; }
a:hover { color: var(--navy); }

h1, h2, h3 { font-family: var(--serif); font-weight: 600; line-height: 1.08; letter-spacing: -0.01em; color: var(--navy); }

::selection { background: var(--gold); color: var(--white); }

/* ---------- Accessibility helpers ---------- */
.visually-hidden {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}
.skip-link {
  position: absolute; left: 50%; top: -60px; transform: translateX(-50%);
  background: var(--navy); color: var(--white); padding: 0.7rem 1.2rem;
  border-radius: var(--radius); z-index: 200; transition: top 0.2s var(--ease);
  font-weight: 600;
}
.skip-link:focus { top: 10px; color: var(--white); }

:focus-visible {
  outline: 3px solid var(--sky);
  outline-offset: 3px;
  border-radius: 2px;
}

/* ---------- Layout helpers ---------- */
.wrap { width: 100%; max-width: var(--wrap); margin-inline: auto; padding-inline: var(--gutter); }

/* ---------- Eyebrow + section heads ---------- */
.eyebrow {
  font-family: var(--sans);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1rem;
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
}
.eyebrow::before {
  content: ""; width: 28px; height: 1px; background: var(--gold);
}
.eyebrow--center { justify-content: center; }
.eyebrow--center::before { display: none; }
.eyebrow--on-navy { color: var(--gold); }

.section-head { text-align: center; max-width: 760px; margin: 0 auto clamp(2.5rem, 5vw, 4rem); }
.section-title {
  font-size: clamp(2rem, 1rem + 3vw, 2.9rem);
  font-optical-sizing: auto;
}
.section-title--light { color: var(--white); }

.hairline {
  display: block; width: 64px; height: 1px; margin: 1.5rem auto 0;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}
.hairline--gold { background: linear-gradient(90deg, transparent, var(--gold), transparent); opacity: 0.9; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.55rem;
  font-family: var(--sans); font-weight: 600; font-size: 0.97rem;
  letter-spacing: 0.01em;
  padding: 0.9rem 1.7rem; border-radius: var(--radius);
  border: 1.5px solid transparent; cursor: pointer;
  transition: transform 0.25s var(--ease), background 0.25s var(--ease),
              color 0.25s var(--ease), box-shadow 0.25s var(--ease), border-color 0.25s var(--ease);
  white-space: nowrap;
}
.btn svg { transition: transform 0.25s var(--ease); }
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }

/* Colored backgrounds -> WHITE text (brand rule) */
.btn--primary { background: var(--navy); color: var(--white); box-shadow: var(--shadow-sm); }
.btn--primary:hover { background: var(--navy-deep); color: var(--white); box-shadow: var(--shadow-md); }

.btn--navy { background: var(--navy); color: var(--white); }
.btn--navy:hover { background: var(--navy-deep); color: var(--white); box-shadow: var(--shadow-md); }

.btn--gold { background: var(--gold); color: var(--white); box-shadow: 0 6px 18px rgba(200,162,75,0.35); }
.btn--gold:hover { background: #b8923f; color: var(--white); box-shadow: 0 10px 26px rgba(200,162,75,0.45); }

.btn--green { background: var(--green); color: var(--white); }
.btn--green:hover { background: #7ab035; color: var(--white); }

/* Ghost / outline (text is the brand color, no colored bg) */
.btn--ghost { background: transparent; color: var(--navy); border-color: rgba(4,38,80,0.25); }
.btn--ghost:hover { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn--ghost:hover svg { transform: translateX(4px); }

.btn--outline-light { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.45); }
.btn--outline-light:hover { background: var(--white); color: var(--navy); border-color: var(--white); }

/* Inline text link */
.text-link {
  display: inline-flex; align-items: center; gap: 0.45rem;
  font-weight: 600; font-size: 0.95rem; color: var(--sky);
  letter-spacing: 0.01em;
}
.text-link svg { transition: transform 0.25s var(--ease); }
.text-link:hover { color: var(--navy); }
.text-link:hover svg { transform: translateX(4px); }

/* =========================================================
   UTILITY BAR
   ========================================================= */
.utility-bar {
  background: var(--navy-deep);
  color: rgba(255,255,255,0.85);
  font-size: 0.82rem;
  border-bottom: 1px solid rgba(200,162,75,0.25);
}
.utility-bar__inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 1rem; padding-block: 0.5rem;
}
.utility-bar__tag {
  font-family: var(--serif); font-style: italic; font-size: 0.92rem;
  color: var(--gold); letter-spacing: 0.01em;
}
.utility-bar__contact { display: flex; gap: 1.5rem; }
.utility-bar__item {
  display: inline-flex; align-items: center; gap: 0.4rem;
  color: rgba(255,255,255,0.85); font-weight: 500;
}
.utility-bar__item:hover { color: var(--white); }
.utility-bar__item svg { color: var(--gold); }
.utility-bar__phone { font-weight: 600; }

/* =========================================================
   HEADER / NAV
   ========================================================= */
.header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(251, 250, 246, 0.92);
  backdrop-filter: saturate(140%) blur(10px);
  border-bottom: 1px solid var(--line);
  transition: padding 0.3s var(--ease), box-shadow 0.3s var(--ease), background 0.3s var(--ease);
}
.header__inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 1.5rem; padding-block: 1.1rem;
  transition: padding 0.3s var(--ease);
}
.header.is-shrunk { box-shadow: var(--shadow-md); }
.header.is-shrunk .header__inner { padding-block: 0.55rem; }
.header__logo img {
  height: clamp(44px, 4.5vw, 58px); width: auto;
  transition: height 0.3s var(--ease);
}
.header.is-shrunk .header__logo img { height: 40px; }

.nav { margin-left: auto; }
.nav__list { list-style: none; display: flex; align-items: center; gap: 0.4rem; padding: 0; }
.nav__item { position: relative; }
.nav__link {
  display: inline-flex; align-items: center; gap: 0.35rem;
  font-family: var(--sans); font-weight: 600; font-size: 0.95rem;
  color: var(--navy); background: none; border: none; cursor: pointer;
  padding: 0.6rem 0.9rem; border-radius: var(--radius);
  letter-spacing: 0.01em;
  transition: color 0.2s var(--ease), background 0.2s var(--ease);
}
.nav__link::after {
  content: ""; position: absolute; left: 0.9rem; right: 0.9rem; bottom: 0.35rem;
  height: 1.5px; background: var(--gold); transform: scaleX(0); transform-origin: left;
  transition: transform 0.3s var(--ease);
}
.nav__link:hover { color: var(--navy); }
.nav__link:hover::after { transform: scaleX(1); }
.nav__chevron { transition: transform 0.25s var(--ease); }
.nav__toggle[aria-expanded="true"] .nav__chevron { transform: rotate(180deg); }

/* Dropdown menus */
.nav__menu {
  position: absolute; top: calc(100% + 0.5rem); left: 0;
  min-width: 280px; background: var(--white);
  border: 1px solid var(--line); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: 0.6rem;
  opacity: 0; visibility: hidden; transform: translateY(8px);
  transition: opacity 0.25s var(--ease), transform 0.25s var(--ease), visibility 0.25s;
}
.nav__menu::before {
  content: ""; position: absolute; top: -1px; left: 1.6rem;
  width: 56px; height: 3px; background: var(--gold); border-radius: 3px;
}
.nav__item--has-menu:hover .nav__menu,
.nav__item--has-menu:focus-within .nav__menu,
.nav__menu.is-open {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.nav__menu-link {
  display: block; padding: 0.7rem 0.85rem; border-radius: var(--radius);
  transition: background 0.2s var(--ease);
}
.nav__menu-link:hover { background: var(--cream); }
.nav__menu-title { display: block; font-weight: 700; color: var(--navy); font-size: 0.96rem; }
.nav__menu-desc { display: block; font-size: 0.82rem; color: var(--ink-soft); margin-top: 0.1rem; }

.header__actions { display: flex; align-items: center; gap: 0.75rem; }
.header__cta { padding: 0.75rem 1.4rem; }

/* Hamburger */
.hamburger {
  display: none; flex-direction: column; gap: 5px;
  width: 44px; height: 44px; align-items: center; justify-content: center;
  background: none; border: 1px solid var(--line); border-radius: var(--radius); cursor: pointer;
}
.hamburger span {
  display: block; width: 22px; height: 2px; background: var(--navy);
  transition: transform 0.3s var(--ease), opacity 0.2s var(--ease);
}
.hamburger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.hamburger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile nav panel */
.mobile-nav {
  position: fixed; top: 0; right: 0; z-index: 130;
  width: min(86vw, 360px); height: 100dvh;
  background: var(--cream-soft);
  border-left: 1px solid var(--line);
  box-shadow: var(--shadow-lg);
  padding: 5.5rem 1.6rem 2rem;
  transform: translateX(100%);
  transition: transform 0.35s var(--ease);
  overflow-y: auto;
}
.mobile-nav.is-open { transform: translateX(0); }
.mobile-nav nav { display: flex; flex-direction: column; gap: 0.25rem; }
.mobile-nav__group { border-bottom: 1px solid var(--line); }
.mobile-nav__group summary {
  list-style: none; cursor: pointer; padding: 0.95rem 0.25rem;
  font-weight: 700; color: var(--navy); font-size: 1.05rem;
  display: flex; align-items: center; justify-content: space-between;
}
.mobile-nav__group summary::-webkit-details-marker { display: none; }
.mobile-nav__group summary::after {
  content: "+"; font-size: 1.3rem; color: var(--gold); font-weight: 400;
}
.mobile-nav__group[open] summary::after { content: "–"; }
.mobile-nav__group a {
  display: block; padding: 0.55rem 0.9rem; color: var(--ink-soft); font-weight: 500;
}
.mobile-nav__group a:hover { color: var(--navy); }
.mobile-nav__link {
  display: block; padding: 0.95rem 0.25rem; font-weight: 700;
  color: var(--navy); font-size: 1.05rem; border-bottom: 1px solid var(--line);
}
.mobile-nav__cta { width: 100%; margin-top: 1.5rem; }
.mobile-nav__phone {
  display: block; text-align: center; margin-top: 1rem; font-weight: 600; color: var(--navy);
}
.nav-scrim {
  position: fixed; inset: 0; z-index: 120;
  background: rgba(2, 26, 58, 0.45); backdrop-filter: blur(2px);
  opacity: 0; transition: opacity 0.35s var(--ease);
}
.nav-scrim.is-visible { opacity: 1; }

/* =========================================================
   HERO
   ========================================================= */
.hero {
  position: relative;
  background:
    radial-gradient(120% 90% at 85% -10%, var(--gold-tint), transparent 55%),
    linear-gradient(180deg, var(--cream) 0%, var(--cream-soft) 100%);
  padding-block: clamp(3.5rem, 7vw, 6.5rem) var(--section-y);
  overflow: hidden;
}
.hero::before {
  content: ""; position: absolute; inset: 0;
  background-image:
    linear-gradient(var(--navy-tint) 1px, transparent 1px),
    linear-gradient(90deg, var(--navy-tint) 1px, transparent 1px);
  background-size: 64px 64px;
  -webkit-mask-image: radial-gradient(80% 70% at 50% 30%, #000 30%, transparent 75%);
          mask-image: radial-gradient(80% 70% at 50% 30%, #000 30%, transparent 75%);
  opacity: 0.5; pointer-events: none;
}
.hero__inner {
  position: relative;
  display: grid;
  grid-template-columns: 1.25fr 0.9fr;
  gap: clamp(2rem, 5vw, 5rem);
  align-items: center;
}
.hero__title {
  font-size: clamp(2.6rem, 1.2rem + 5vw, 4.6rem);
  font-weight: 600;
  font-optical-sizing: auto;
  margin: 0.6rem 0 1.4rem;
  letter-spacing: -0.02em;
  text-wrap: balance;
}
.hero__sub {
  font-size: clamp(1.1rem, 0.5vw + 1rem, 1.25rem);
  color: var(--ink-soft); max-width: 50ch; line-height: 1.7;
}
.hero__actions { display: flex; flex-wrap: wrap; gap: 1rem; margin-top: 2.2rem; }
.hero__actions .btn { padding-inline: 1.9rem; padding-block: 1rem; }

.hero__trust {
  list-style: none; padding: 0; margin: 2.6rem 0 0;
  display: flex; flex-wrap: wrap; gap: 0.8rem 1.8rem;
  border-top: 1px solid var(--line); padding-top: 1.6rem;
}
.hero__trust li {
  display: inline-flex; align-items: center; gap: 0.5rem;
  font-size: 0.9rem; font-weight: 600; color: var(--ink);
}
.hero__trust svg { color: var(--gold); flex: none; }

/* Hero aside card */
.hero__aside { position: relative; }
.hero__card {
  background: var(--navy);
  color: rgba(255,255,255,0.9);
  border-radius: var(--radius-lg);
  padding: clamp(1.8rem, 3vw, 2.6rem);
  box-shadow: var(--shadow-lg);
  position: relative;
  overflow: hidden;
}
.hero__card::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--gold), var(--sky));
}
.hero__card-eyebrow {
  font-size: 0.72rem; letter-spacing: 0.2em; text-transform: uppercase;
  color: var(--gold); font-weight: 700; margin-bottom: 0.9rem;
}
.hero__card-quote {
  font-family: var(--serif); font-size: clamp(1.25rem, 0.6vw + 1.1rem, 1.5rem);
  line-height: 1.35; color: var(--white); font-weight: 500;
}
.hero__stats { margin: 1.8rem 0 0; display: grid; gap: 1rem; }
.hero__stat {
  border-top: 1px solid rgba(255,255,255,0.14); padding-top: 1rem;
}
.hero__stat dt {
  font-size: 0.72rem; letter-spacing: 0.16em; text-transform: uppercase;
  color: rgba(255,255,255,0.6); margin-bottom: 0.3rem;
}
.hero__stat dd { font-size: 0.95rem; color: rgba(255,255,255,0.88); line-height: 1.45; }
.hero__stat-num {
  display: inline-block; font-family: var(--serif); font-weight: 600;
  font-size: 1.6rem; color: var(--white); margin-right: 0.4rem; line-height: 1;
}
.hero__stat--accent .hero__stat-num { color: var(--green); }

.hero__seal {
  position: absolute; bottom: -22px; right: -14px;
  width: 92px; height: 92px; border-radius: 50%;
  background: var(--cream-soft); border: 2px solid var(--gold);
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  text-align: center; box-shadow: var(--shadow-md);
  transform: rotate(-8deg);
}
.hero__seal-mark { font-family: var(--serif); font-weight: 700; font-size: 1.5rem; color: var(--navy); line-height: 1; }
.hero__seal-text {
  font-size: 0.55rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--gold); margin-top: 0.25rem; line-height: 1.2;
}

/* =========================================================
   PILLARS
   ========================================================= */
.pillars { padding-block: var(--section-y); background: var(--cream-soft); }
.pillars__grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: clamp(1.25rem, 2.5vw, 2rem);
}
.pillar {
  position: relative; display: block;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: clamp(1.8rem, 3vw, 2.6rem);
  color: var(--ink);
  transition: transform 0.35s var(--ease), box-shadow 0.35s var(--ease), border-color 0.35s var(--ease);
  overflow: hidden;
}
.pillar::after {
  content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 3px;
  background: var(--gold); transform: scaleY(0); transform-origin: top;
  transition: transform 0.4s var(--ease);
}
.pillar:hover {
  transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: transparent;
}
.pillar:hover::after { transform: scaleY(1); }
.pillar__icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 60px; height: 60px; border-radius: 50%;
  background: var(--navy-tint); color: var(--navy);
  margin-bottom: 1.4rem;
  transition: background 0.35s var(--ease), color 0.35s var(--ease);
}
.pillar:hover .pillar__icon { background: var(--navy); color: var(--gold); }
.pillar__title { font-size: 1.5rem; margin-bottom: 0.5rem; }
.pillar__desc { color: var(--ink-soft); margin-bottom: 1.3rem; }
.pillar__link {
  display: inline-flex; align-items: center; gap: 0.4rem;
  font-weight: 600; font-size: 0.92rem; color: var(--sky);
}
.pillar__link svg { transition: transform 0.25s var(--ease); }
.pillar:hover .pillar__link svg { transform: translateX(4px); }

/* =========================================================
   VALUE / WHY US
   ========================================================= */
.value { padding-block: var(--section-y); background: var(--cream); }
.value__inner {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: clamp(2rem, 5vw, 4.5rem); align-items: start;
}
.value__title { margin-bottom: 1.3rem; text-wrap: balance; }
.value__lead { color: var(--ink-soft); font-size: 1.12rem; line-height: 1.75; margin-bottom: 2rem; }

.value__quote {
  border-left: 3px solid var(--gold);
  padding: 0.5rem 0 0.5rem 1.5rem; margin-bottom: 2rem;
}
.value__quote p {
  font-family: var(--serif); font-size: clamp(1.35rem, 0.7vw + 1.2rem, 1.7rem);
  line-height: 1.35; color: var(--navy); font-weight: 500; font-style: italic;
}
.value__quote cite {
  display: block; margin-top: 0.9rem; font-style: normal;
  font-size: 0.82rem; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--gold); font-weight: 700;
}
.value__list { list-style: none; padding: 0; display: grid; gap: 0.9rem; }
.value__list li {
  display: grid; grid-template-columns: auto 1fr; gap: 0.8rem; align-items: start;
  font-weight: 500; color: var(--ink); line-height: 1.5;
}
.value__list svg { color: var(--green); margin-top: 0.15rem; flex: none; }

/* Stat strip */
.value__stats {
  margin-top: clamp(3rem, 6vw, 5rem);
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 1px; background: var(--line);
  border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden;
}
.stat-card {
  background: var(--cream-soft); padding: clamp(1.5rem, 3vw, 2.2rem) 1.5rem;
  text-align: center;
}
.stat-card__num {
  display: block; font-family: var(--serif); font-weight: 700;
  font-size: clamp(2rem, 1rem + 2.5vw, 3rem); color: var(--navy); line-height: 1;
}
.stat-card--accent .stat-card__num { color: var(--green); }
.stat-card__label {
  display: block; margin-top: 0.7rem; font-size: 0.88rem; color: var(--ink-soft);
  line-height: 1.45;
}

/* =========================================================
   FEATURED INSIGHTS
   ========================================================= */
.insights { padding-block: var(--section-y); background: var(--cream-soft); }
.insights__grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: clamp(1.25rem, 2.5vw, 2rem);
}
.insight {
  position: relative; background: var(--white);
  border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: clamp(1.8rem, 3vw, 2.4rem);
  transition: transform 0.35s var(--ease), box-shadow 0.35s var(--ease);
}
.insight:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.insight__index {
  font-family: var(--serif); font-size: 2.6rem; font-weight: 600;
  color: var(--gold); opacity: 0.45; line-height: 1; margin-bottom: 0.9rem;
}
.insight__title { font-size: 1.42rem; line-height: 1.2; margin-bottom: 0.8rem; }
.insight__body { color: var(--ink-soft); margin-bottom: 1.4rem; }

/* =========================================================
   SERVICES IN DEPTH
   ========================================================= */
.services { padding-block: var(--section-y); background: var(--cream); }
.services__grid {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: clamp(1rem, 2vw, 1.6rem);
}
.service-card {
  background: var(--white); border: 1px solid var(--line);
  border-top: 3px solid var(--navy);
  border-radius: var(--radius-lg);
  padding: clamp(1.6rem, 2.5vw, 2.1rem);
  display: flex; flex-direction: column;
  transition: transform 0.35s var(--ease), box-shadow 0.35s var(--ease), border-top-color 0.35s var(--ease);
}
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-top-color: var(--gold); }
.service-card__num {
  font-family: var(--serif); font-size: 1rem; font-weight: 700;
  letter-spacing: 0.1em; color: var(--gold); margin-bottom: 0.8rem;
}
.service-card__title { font-size: 1.32rem; margin-bottom: 0.6rem; }
.service-card__body { color: var(--ink-soft); font-size: 0.98rem; margin-bottom: 1.3rem; flex: 1; }

/* =========================================================
   TEAM (navy anchor section)
   ========================================================= */
.team {
  padding-block: var(--section-y);
  background:
    radial-gradient(110% 80% at 50% 0%, rgba(42,171,226,0.12), transparent 60%),
    var(--navy);
  position: relative;
}
.team::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}
.team__grid {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: clamp(1.25rem, 2.5vw, 2rem);
}
.advisor {
  text-align: center;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: var(--radius-lg);
  padding: clamp(1.8rem, 3vw, 2.4rem) 1.4rem;
  transition: transform 0.35s var(--ease), background 0.35s var(--ease), border-color 0.35s var(--ease);
}
.advisor:hover {
  transform: translateY(-6px);
  background: rgba(255,255,255,0.07);
  border-color: rgba(200,162,75,0.5);
}
.advisor__avatar {
  display: inline-flex; align-items: center; justify-content: center;
  width: 84px; height: 84px; border-radius: 50%;
  margin-bottom: 1.3rem;
  font-family: var(--serif); font-weight: 600; font-size: 1.7rem;
  color: var(--navy);
  background: linear-gradient(145deg, var(--gold), #e2c47e);
  border: 3px solid rgba(255,255,255,0.85);
  box-shadow: 0 8px 22px rgba(0,0,0,0.25);
  letter-spacing: 0.02em;
}
.advisor__name { color: var(--white); font-size: 1.25rem; margin-bottom: 0.4rem; }
.advisor__role { color: rgba(255,255,255,0.72); font-size: 0.9rem; line-height: 1.5; }

/* =========================================================
   TESTIMONIALS
   ========================================================= */
.testimonials { padding-block: var(--section-y); background: var(--cream-soft); }
.testimonials__grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: clamp(1.25rem, 2.5vw, 2rem);
}
.testimonial {
  position: relative; background: var(--white);
  border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: clamp(1.8rem, 3vw, 2.6rem);
  transition: transform 0.35s var(--ease), box-shadow 0.35s var(--ease);
}
.testimonial::before {
  content: "\201C";
  position: absolute; top: 0.4rem; right: 1.4rem;
  font-family: var(--serif); font-size: 5rem; color: var(--gold);
  opacity: 0.18; line-height: 1;
}
.testimonial:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.testimonial__stars { display: flex; gap: 0.15rem; color: var(--gold); margin-bottom: 1.1rem; }
.testimonial__quote {
  font-family: var(--serif); font-size: 1.18rem; line-height: 1.5;
  color: var(--navy); font-weight: 500; font-style: italic;
}
.testimonial__cite {
  margin-top: 1.3rem; font-size: 0.78rem; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--ink-soft); font-weight: 700;
}

/* =========================================================
   CTA BAND
   ========================================================= */
.cta-band {
  background:
    radial-gradient(90% 120% at 80% 10%, rgba(200,162,75,0.18), transparent 55%),
    var(--navy-deep);
  padding-block: clamp(4rem, 8vw, 6.5rem);
  position: relative;
}
.cta-band::before,
.cta-band::after {
  content: ""; position: absolute; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}
.cta-band::before { top: 0; }
.cta-band::after { bottom: 0; }
.cta-band__inner { text-align: center; max-width: 720px; margin-inline: auto; }
.cta-band__title {
  color: var(--white);
  font-size: clamp(2.1rem, 1rem + 3.5vw, 3.2rem);
  margin-bottom: 1rem; text-wrap: balance;
}
.cta-band__sub { color: rgba(255,255,255,0.82); font-size: 1.15rem; margin-bottom: 2.2rem; }
.cta-band__actions { display: flex; flex-wrap: wrap; gap: 1rem; justify-content: center; }
.cta-band__actions .btn { padding: 1rem 2rem; }

/* =========================================================
   FOOTER
   ========================================================= */
.footer { background: var(--navy); color: rgba(255,255,255,0.78); padding-top: clamp(3rem, 6vw, 4.5rem); }
.footer__inner {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
  gap: clamp(2rem, 4vw, 3.5rem);
  padding-bottom: clamp(2.5rem, 5vw, 3.5rem);
}
.footer__logo-box {
  display: inline-block; background: var(--white);
  padding: 0.85rem 1.1rem; border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
}
.footer__logo-box img { height: 46px; width: auto; }
.footer__tag {
  font-family: var(--serif); font-style: italic; color: var(--gold);
  margin-top: 1.1rem; font-size: 1.05rem;
}
.footer__bbb {
  display: inline-flex; align-items: center; gap: 0.5rem;
  margin-top: 1.2rem; font-size: 0.85rem; font-weight: 600; color: rgba(255,255,255,0.85);
}
.footer__bbb svg { color: var(--gold); }
.footer__heading {
  font-family: var(--sans); font-size: 0.78rem; font-weight: 700;
  letter-spacing: 0.18em; text-transform: uppercase; color: var(--gold);
  margin-bottom: 1.2rem;
}
.footer__col ul { list-style: none; padding: 0; display: grid; gap: 0.6rem; }
.footer__col a { color: rgba(255,255,255,0.78); font-size: 0.94rem; }
.footer__col a:hover { color: var(--white); }
.footer__contact address { font-style: normal; display: grid; gap: 0.85rem; font-size: 0.94rem; }
.footer__contact a { color: rgba(255,255,255,0.85); }
.footer__contact a:hover { color: var(--white); }
.footer__muted { color: rgba(255,255,255,0.55); font-size: 0.85rem; }
.footer__hours { color: rgba(255,255,255,0.6); font-size: 0.85rem; }

.footer__bottom {
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-block: 1.6rem;
  display: flex; flex-wrap: wrap; justify-content: space-between; gap: 0.8rem;
  font-size: 0.8rem; color: rgba(255,255,255,0.55);
}
.footer__disclaimer { max-width: 60ch; }

/* =========================================================
   SCROLL REVEAL
   ========================================================= */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity 0.7s var(--ease), transform 0.7s var(--ease); }
.reveal.is-visible { opacity: 1; transform: none; }
/* stagger children within a grid */
.pillars__grid .reveal:nth-child(2),
.insights__grid .reveal:nth-child(2),
.services__grid .reveal:nth-child(2),
.team__grid .reveal:nth-child(2),
.testimonials__grid .reveal:nth-child(2) { transition-delay: 0.08s; }
.pillars__grid .reveal:nth-child(3),
.insights__grid .reveal:nth-child(3),
.services__grid .reveal:nth-child(3),
.team__grid .reveal:nth-child(3),
.testimonials__grid .reveal:nth-child(3) { transition-delay: 0.16s; }
.services__grid .reveal:nth-child(4),
.team__grid .reveal:nth-child(4) { transition-delay: 0.24s; }

@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; }
}

/* =========================================================
   RESPONSIVE
   ========================================================= */
@media (max-width: 1024px) {
  .hero__inner { grid-template-columns: 1fr; }
  .hero__aside { max-width: 520px; }
  .services__grid { grid-template-columns: repeat(2, 1fr); }
  .team__grid { grid-template-columns: repeat(2, 1fr); }
  .value__stats { grid-template-columns: repeat(2, 1fr); }
  .footer__inner { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 860px) {
  .nav, .header__cta { display: none; }
  .hamburger { display: flex; }
  .pillars__grid,
  .insights__grid { grid-template-columns: 1fr; }
  .value__inner { grid-template-columns: 1fr; }
  .testimonials__grid { grid-template-columns: 1fr; }
  .utility-bar__tag { display: none; }
  .utility-bar__inner { justify-content: center; }
}

@media (max-width: 560px) {
  .services__grid,
  .team__grid,
  .value__stats { grid-template-columns: 1fr; }
  .footer__inner { grid-template-columns: 1fr; }
  .hero__actions .btn,
  .cta-band__actions .btn { width: 100%; }
  .hero__seal { width: 76px; height: 76px; bottom: -16px; right: 4px; }
}