/* ============================================================
   Secure Financial Group, Inc. — Concept 3: "BOLD CONFIDENCE"
   Dark, cinematic, Awwwards-grade. Navy canvas + sky→green glow.
   ============================================================ */

/* ---------- Tokens ---------- */
:root {
  /* Locked brand */
  --navy: #042650;
  --sky: #2AABE2;
  --green: #8DC641;
  --gold: #C8A24B;
  --gray: #8C8C8C;

  /* Dark canvas neutrals */
  --navy-deep: #0A1A2F;
  --navy-deepest: #061528;
  --ink: #11141A;

  /* Text on dark (AA-safe) */
  --text: #EAF1F9;       /* primary on dark */
  --text-soft: #C9D6E5;  /* body on dark */
  --text-mute: #9DB0C6;  /* captions on dark (still ~AA on deep navy) */

  /* Light section */
  --light: #F5F7FA;
  --light-text: #11141A;
  --light-muted: #4A5A6E;

  /* Glass */
  --glass-bg: rgba(255, 255, 255, 0.045);
  --glass-bg-hover: rgba(255, 255, 255, 0.075);
  --glass-border: rgba(255, 255, 255, 0.12);
  --glass-border-hover: rgba(42, 171, 226, 0.55);

  /* Gradients */
  --grad: linear-gradient(100deg, var(--sky) 0%, #57bf86 55%, var(--green) 100%);
  --grad-soft: linear-gradient(120deg, rgba(42,171,226,0.18), rgba(141,198,65,0.14));

  /* System */
  --maxw: 1200px;
  --radius: 18px;
  --radius-lg: 26px;
  --shadow-glow: 0 18px 60px -18px rgba(42, 171, 226, 0.45);
  --ease: cubic-bezier(0.16, 1, 0.3, 1);

  --font-display: "Sora", "Segoe UI", system-ui, sans-serif;
  --font-body: "Inter", "Segoe UI", system-ui, sans-serif;
}

/* ---------- Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }

html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
  font-family: var(--font-body);
  background: var(--navy-deepest);
  color: var(--text);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }

svg { fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }

.container { width: min(100% - 2.5rem, var(--maxw)); margin-inline: auto; }

.visually-hidden, .skip-link:not(:focus) {
  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: fixed; top: 12px; left: 12px; z-index: 200;
  background: var(--green); color: #fff; padding: .7rem 1.1rem;
  border-radius: 10px; font-weight: 600;
}

/* ---------- Focus states ---------- */
:focus-visible {
  outline: 3px solid var(--sky);
  outline-offset: 3px;
  border-radius: 6px;
}

/* ---------- Typography helpers ---------- */
.gradient-text {
  background: var(--grad);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.eyebrow, .kicker {
  font-family: var(--font-body);
  text-transform: uppercase;
  letter-spacing: .18em;
  font-size: .78rem;
  font-weight: 600;
  color: var(--text-mute);
}
.kicker { color: var(--sky); margin-bottom: .85rem; }
.kicker--dark { color: #1d6fa5; }

.section__title {
  font-family: var(--font-display);
  font-weight: 700;
  letter-spacing: -0.02em;
  line-height: 1.08;
  font-size: clamp(2rem, 1.2rem + 3vw, 3.25rem);
  color: var(--text);
}
.section__title--dark { color: var(--navy); }

.section__intro {
  margin-top: 1rem;
  max-width: 56ch;
  color: var(--text-soft);
  font-size: clamp(1rem, .96rem + .3vw, 1.18rem);
}
.section__intro--dark { color: var(--light-muted); }

/* ---------- Buttons ---------- */
.btn {
  --btn-pad-y: .85rem; --btn-pad-x: 1.5rem;
  display: inline-flex; align-items: center; gap: .6rem;
  font-family: var(--font-body); font-weight: 600;
  font-size: 1rem; line-height: 1;
  padding: var(--btn-pad-y) var(--btn-pad-x);
  border-radius: 999px;
  border: 1.5px solid transparent;
  cursor: pointer;
  position: relative;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease),
              background .25s ease, border-color .25s ease, color .2s ease;
  will-change: transform;
}
.btn__ico { width: 18px; height: 18px; transition: transform .3s var(--ease); }
.btn:hover .btn__ico { transform: translateX(3px); }

.btn--sm { --btn-pad-y: .6rem; --btn-pad-x: 1.1rem; font-size: .92rem; }
.btn--lg { --btn-pad-y: 1.05rem; --btn-pad-x: 2rem; font-size: 1.06rem; }

/* primary = gradient, WHITE text */
.btn--primary { background: var(--grad); color: #fff; box-shadow: var(--shadow-glow); }
.btn--primary:hover { transform: translateY(-3px); box-shadow: 0 24px 70px -16px rgba(42,171,226,0.6); }
.btn--primary:active { transform: translateY(-1px); }

/* navy solid = WHITE text */
.btn--navy { background: var(--navy); color: #fff; box-shadow: 0 12px 34px -14px rgba(4,38,80,.6); }
.btn--navy:hover { transform: translateY(-3px); background: #053467; box-shadow: 0 20px 48px -16px rgba(4,38,80,.7); }

/* ghost (outline) on dark */
.btn--ghost {
  background: rgba(255,255,255,0.03);
  color: var(--text);
  border-color: var(--glass-border);
  backdrop-filter: blur(6px);
}
.btn--ghost:hover { border-color: var(--sky); color: #fff; transform: translateY(-3px); background: rgba(42,171,226,0.1); }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  transition: background .4s ease, box-shadow .4s ease, backdrop-filter .4s ease;
}
.topbar {
  background: var(--navy-deepest);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  font-size: .82rem;
}
.topbar__inner { display: flex; align-items: center; gap: 1.5rem; padding: .5rem 0; color: var(--text-soft); flex-wrap: wrap; }
.topbar__item { display: inline-flex; align-items: center; gap: .45rem; }
.topbar__item .ico { color: var(--sky); }
.topbar__item a:hover { color: var(--sky); }
.topbar__item--badge { margin-left: auto; color: var(--text-mute); }
.dot { width: 8px; height: 8px; border-radius: 50%; background: var(--green); box-shadow: 0 0 0 3px rgba(141,198,65,.22); display: inline-block; }

.nav { transition: background .4s ease, box-shadow .4s ease; }
.nav__inner { display: flex; align-items: center; justify-content: space-between; padding: .85rem 0; gap: 1rem; }

/* logo lockup chip (navy logo needs light backing on dark) */
.brand__chip {
  display: inline-flex; align-items: center;
  background: #fff;
  padding: .5rem .8rem;
  border-radius: 12px;
  box-shadow: 0 6px 22px -10px rgba(0,0,0,.55);
  transition: transform .35s var(--ease), box-shadow .35s var(--ease);
}
.brand__chip img { width: auto; height: 38px; }
.brand:hover .brand__chip { transform: translateY(-2px); box-shadow: 0 10px 28px -10px rgba(42,171,226,.5); }

/* scrolled state */
.site-header.is-scrolled .nav {
  background: rgba(6, 21, 40, 0.82);
  backdrop-filter: blur(14px);
  box-shadow: 0 1px 0 rgba(255,255,255,.07), 0 12px 40px -22px rgba(0,0,0,.8);
}

/* nav menu */
.nav__menu { display: flex; }
.nav__list { list-style: none; display: flex; align-items: center; gap: .35rem; padding: 0; }
.nav__item { position: relative; }
.nav__link {
  display: inline-flex; align-items: center; gap: .35rem;
  font-weight: 500; font-size: .98rem; color: var(--text-soft);
  padding: .6rem .85rem; border-radius: 10px;
  background: none; border: none; cursor: pointer; font-family: var(--font-body);
  transition: color .2s ease, background .2s ease;
}
.nav__link:hover, .nav__dropbtn[aria-expanded="true"] { color: #fff; background: rgba(255,255,255,0.06); }
.caret { width: 14px; height: 14px; transition: transform .3s var(--ease); }
.nav__dropbtn[aria-expanded="true"] .caret { transform: rotate(180deg); }

/* animated underline on plain links */
.nav__item:not(.has-dropdown):not(.nav__item--cta) .nav__link::after {
  content: ""; position: absolute; left: .85rem; right: .85rem; bottom: .35rem; height: 2px;
  background: var(--grad); transform: scaleX(0); transform-origin: left;
  transition: transform .35s var(--ease); border-radius: 2px;
}
.nav__item:not(.has-dropdown):not(.nav__item--cta) .nav__link:hover::after { transform: scaleX(1); }

/* dropdown */
.dropdown {
  position: absolute; top: calc(100% + 8px); left: 0;
  min-width: 220px;
  background: rgba(10, 26, 47, 0.96);
  border: 1px solid var(--glass-border);
  backdrop-filter: blur(16px);
  border-radius: 14px; padding: .5rem;
  display: grid; gap: 2px;
  opacity: 0; visibility: hidden; transform: translateY(8px);
  transition: opacity .25s ease, transform .25s var(--ease), visibility .25s;
  box-shadow: 0 24px 60px -20px rgba(0,0,0,.8);
}
.has-dropdown:hover .dropdown,
.has-dropdown:focus-within .dropdown,
.dropdown.is-open { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown a {
  padding: .65rem .85rem; border-radius: 9px; font-size: .95rem; color: var(--text-soft);
  transition: background .2s ease, color .2s ease;
}
.dropdown a:hover { background: rgba(42,171,226,0.16); color: #fff; }

.nav__toggle {
  display: none; flex-direction: column; gap: 5px;
  background: none; border: none; cursor: pointer; padding: .55rem;
  border-radius: 10px;
}
.nav__toggle span { width: 26px; height: 2.5px; background: var(--text); border-radius: 3px; transition: transform .3s var(--ease), opacity .3s ease; }
.nav__toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.nav__toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav__toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* ---------- HERO ---------- */
.hero {
  position: relative;
  padding: clamp(4rem, 3rem + 8vw, 8.5rem) 0 clamp(5rem, 4rem + 6vw, 9rem);
  background:
    radial-gradient(1200px 600px at 75% -10%, rgba(42,171,226,0.14), transparent 60%),
    radial-gradient(900px 500px at 10% 110%, rgba(141,198,65,0.10), transparent 60%),
    linear-gradient(180deg, var(--navy-deepest), var(--navy-deep) 60%, var(--navy-deepest));
  overflow: hidden;
  isolation: isolate;
}
.hero__glow {
  --pmx: 0px; --pmy: 0px; /* pointer parallax offset, set by JS */
  position: absolute; z-index: -2;
  top: -18%; right: -8%;
  width: clamp(420px, 48vw, 760px); aspect-ratio: 1;
  background: radial-gradient(circle at 50% 50%, rgba(42,171,226,0.55), rgba(141,198,65,0.28) 45%, transparent 70%);
  filter: blur(70px);
  border-radius: 50%;
  animation: floatGlow 14s ease-in-out infinite;
}
.hero__grid {
  position: absolute; inset: 0; z-index: -2;
  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;
  mask-image: radial-gradient(circle at 70% 30%, #000 0%, transparent 72%);
  -webkit-mask-image: radial-gradient(circle at 70% 30%, #000 0%, transparent 72%);
}
.hero__grain {
  position: absolute; inset: 0; z-index: -1; opacity: .5; pointer-events: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.05'/%3E%3C/svg%3E");
}

.hero__inner { position: relative; max-width: 940px; }

.eyebrow {
  display: inline-flex; align-items: center; gap: .6rem;
  padding: .5rem .95rem;
  border: 1px solid var(--glass-border);
  border-radius: 999px;
  background: var(--glass-bg);
  backdrop-filter: blur(8px);
  color: var(--text-soft);
  letter-spacing: .1em;
  font-size: .74rem;
  margin-bottom: 1.6rem;
}
.eyebrow__dot { width: 8px; height: 8px; border-radius: 50%; background: var(--grad); box-shadow: 0 0 10px 1px rgba(42,171,226,.7); }

.hero__title {
  font-family: var(--font-display);
  font-weight: 800;
  letter-spacing: -0.035em;
  line-height: 1.02;
  font-size: clamp(2.7rem, 1.4rem + 6vw, 5.6rem);
  text-wrap: balance;
}
.hero__sub {
  margin-top: 1.5rem;
  font-size: clamp(1.06rem, 1rem + .5vw, 1.35rem);
  color: var(--text-soft);
  max-width: 60ch;
}
.hero__actions { display: flex; flex-wrap: wrap; gap: 1rem; margin-top: 2.3rem; }

.hero__trust {
  list-style: none; padding: 0; margin-top: 2.6rem;
  display: flex; flex-wrap: wrap; gap: 1.4rem 2rem;
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 1.6rem;
}
.hero__trust li { display: inline-flex; align-items: center; gap: .55rem; color: var(--text-soft); font-weight: 500; font-size: .98rem; }
.ico--accent { color: var(--sky); }
.ico--accent .check { stroke: var(--green); }

/* floating glass stat panel */
.hero__statcard {
  position: absolute; z-index: 2;
  right: max(2.5rem, calc((100vw - var(--maxw)) / 2 + .5rem));
  bottom: clamp(-2.5rem, -2vw, -1.5rem);
  width: min(290px, 80vw);
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  backdrop-filter: blur(18px);
  border-radius: var(--radius-lg);
  padding: 1.5rem 1.6rem;
  box-shadow: 0 30px 70px -28px rgba(0,0,0,.85), inset 0 1px 0 rgba(255,255,255,.08);
  animation: floatCard 9s ease-in-out infinite;
}
.hero__statcard-label { font-size: .82rem; color: var(--text-mute); }
.hero__statcard-num {
  font-family: var(--font-display); font-weight: 800; line-height: 1;
  font-size: 3.4rem; margin: .25rem 0 .4rem;
  background: var(--grad); -webkit-background-clip: text; background-clip: text; color: transparent;
}
.count-suffix { -webkit-text-fill-color: initial; }
.hero__statcard-sub { font-size: .92rem; color: var(--text-soft); }

@keyframes floatGlow {
  0%,100% { transform: translate(var(--pmx, 0px), var(--pmy, 0px)) scale(1); }
  50%     { transform: translate(calc(var(--pmx, 0px) - 26px), calc(var(--pmy, 0px) + 28px)) scale(1.06); }
}
@keyframes floatCard { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-12px); } }

/* ---------- Marquee ---------- */
.marquee {
  overflow: hidden; white-space: nowrap;
  border-top: 1px solid rgba(255,255,255,0.07);
  border-bottom: 1px solid rgba(255,255,255,0.07);
  background: var(--navy-deep);
  padding: 1.1rem 0;
}
.marquee__track {
  display: inline-flex; align-items: center; gap: 1.4rem;
  animation: marquee 32s linear infinite;
  font-family: var(--font-display); font-weight: 600; letter-spacing: .02em;
  color: var(--text-soft); font-size: 1.05rem;
}
.marquee__track .sep { color: var(--gold); }
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ---------- Sections ---------- */
.section { padding: clamp(4rem, 3rem + 5vw, 7.5rem) 0; position: relative; }
.section--light { background: var(--light); color: var(--light-text); }
.section__head { max-width: 760px; margin-bottom: 3rem; }
.section__head--row { display: flex; align-items: flex-end; justify-content: space-between; gap: 2rem; max-width: 100%; flex-wrap: wrap; }

.link-arrow {
  display: inline-flex; align-items: center; gap: .5rem;
  color: var(--sky); font-weight: 600; white-space: nowrap;
  transition: gap .25s var(--ease), color .2s ease;
}
.link-arrow:hover { gap: .85rem; color: var(--green); }

/* ---------- Glass card base ---------- */
.glass {
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  backdrop-filter: blur(14px);
  border-radius: var(--radius-lg);
  box-shadow: inset 0 1px 0 rgba(255,255,255,.06), 0 24px 60px -34px rgba(0,0,0,.8);
  transition: transform .4s var(--ease), border-color .35s ease, background .35s ease, box-shadow .4s var(--ease);
}
.glass:hover {
  transform: translateY(-6px);
  background: var(--glass-bg-hover);
  border-color: var(--glass-border-hover);
  box-shadow: 0 34px 70px -30px rgba(42,171,226,.45);
}

/* ---------- Pillars ---------- */
.pillars__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.pillar-card { padding: 2.4rem 2.1rem; display: flex; flex-direction: column; gap: .65rem; position: relative; overflow: hidden; }
.pillar-card::after {
  content: ""; position: absolute; inset: 0; border-radius: inherit;
  background: var(--grad-soft); opacity: 0; transition: opacity .4s ease; z-index: -1;
}
.pillar-card:hover::after { opacity: 1; }
.pillar-card__icon {
  width: 60px; height: 60px; display: grid; place-items: center;
  border-radius: 16px; margin-bottom: .9rem;
  background: linear-gradient(135deg, rgba(42,171,226,.22), rgba(141,198,65,.18));
  border: 1px solid var(--glass-border);
  color: var(--sky);
}
.pillar-card:hover .pillar-card__icon { color: #fff; }
.pillar-card__title { font-family: var(--font-display); font-size: 1.5rem; font-weight: 700; letter-spacing: -.01em; }
.pillar-card__body { color: var(--text-soft); }
.pillar-card__link {
  margin-top: .8rem; display: inline-flex; align-items: center; gap: .5rem;
  color: var(--sky); font-weight: 600; transition: gap .25s var(--ease), color .2s;
}
.pillar-card:hover .pillar-card__link { gap: .85rem; color: var(--green); }

/* ---------- Why / value (light) ---------- */
.why__inner { display: grid; grid-template-columns: 1.15fr .85fr; gap: clamp(2rem, 4vw, 4.5rem); align-items: center; }
.why__lead { margin-top: 1.4rem; font-size: 1.12rem; color: var(--light-muted); max-width: 56ch; }
.why__list { list-style: none; padding: 0; margin: 1.8rem 0 2.2rem; display: grid; gap: .85rem; }
.why__list li { display: flex; align-items: flex-start; gap: .75rem; color: #243345; font-weight: 500; }
.why__list .ico--green { color: var(--green); flex: 0 0 auto; margin-top: 1px; }
.why__list .ico--green .check { stroke: #fff; }
.why__list .ico--green circle { fill: var(--green); stroke: var(--green); }

.why__stats { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.1rem; }
.statbox {
  background: #fff; border: 1px solid #E4EAF1; border-radius: var(--radius);
  padding: 1.6rem 1.5rem; box-shadow: 0 18px 44px -30px rgba(4,38,80,.3);
  transition: transform .35s var(--ease), box-shadow .35s var(--ease);
}
.statbox:hover { transform: translateY(-5px); box-shadow: 0 26px 54px -28px rgba(4,38,80,.4); }
.statbox__num { font-family: var(--font-display); font-weight: 800; font-size: clamp(2.2rem, 1.6rem + 2vw, 3rem); line-height: 1; color: var(--navy); }
.statbox__label { margin-top: .5rem; font-size: .92rem; color: var(--light-muted); }
.statbox--accent .statbox__num { background: var(--grad); -webkit-background-clip: text; background-clip: text; color: transparent; }
.statbox--gold { border-top: 3px solid var(--gold); }
.statbox--gold .statbox__num { color: var(--gold); letter-spacing: .02em; }

/* ---------- Insights ---------- */
.insights__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.insight-card { padding: 2.2rem 2rem; display: flex; flex-direction: column; gap: .85rem; }
.insight-card__tag {
  align-self: flex-start; font-size: .72rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase;
  color: var(--navy); background: var(--green);
  padding: .35rem .7rem; border-radius: 999px;
}
.insight-card__title { font-family: var(--font-display); font-size: 1.4rem; font-weight: 700; letter-spacing: -.01em; line-height: 1.2; }
.insight-card__body { color: var(--text-soft); flex: 1; }
.insight-card__link {
  margin-top: .4rem; display: inline-flex; align-items: center; gap: .5rem;
  color: var(--sky); font-weight: 600; transition: gap .25s var(--ease), color .2s;
}
.insight-card:hover .insight-card__link { gap: .85rem; color: var(--green); }

/* ---------- Services in depth ---------- */
.services { background: linear-gradient(180deg, var(--navy-deepest), var(--navy-deep)); overflow: hidden; isolation: isolate; }
.services__glow {
  position: absolute; z-index: -1; left: 50%; top: 8%; transform: translateX(-50%);
  width: clamp(500px, 60vw, 900px); aspect-ratio: 2/1;
  background: radial-gradient(ellipse at center, rgba(42,171,226,0.16), transparent 65%);
  filter: blur(50px);
}
.services__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.25rem; }
.service-card { padding: 2rem 1.7rem; display: flex; flex-direction: column; gap: .7rem; }
.service-card__top { display: flex; align-items: center; justify-content: space-between; margin-bottom: .6rem; }
.service-card__num { font-family: var(--font-display); font-weight: 800; font-size: 1.05rem; color: var(--gold); letter-spacing: .05em; }
.service-card__icon {
  width: 48px; height: 48px; display: grid; place-items: center; border-radius: 13px;
  background: linear-gradient(135deg, rgba(42,171,226,.2), rgba(141,198,65,.16));
  border: 1px solid var(--glass-border); color: var(--sky);
}
.service-card:hover .service-card__icon { color: #fff; }
.service-card__title { font-family: var(--font-display); font-size: 1.28rem; font-weight: 700; letter-spacing: -.01em; }
.service-card__body { color: var(--text-soft); font-size: .98rem; }

/* ---------- Team (light) ---------- */
.team__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
.advisor { text-align: center; display: flex; flex-direction: column; align-items: center; gap: .5rem; }
.advisor__avatar {
  width: 110px; height: 110px; border-radius: 50%;
  display: grid; place-items: center; margin-bottom: .6rem;
  font-family: var(--font-display); font-weight: 800; font-size: 2.3rem; color: #fff;
  background: linear-gradient(140deg, var(--navy), var(--sky));
  box-shadow: 0 18px 40px -18px rgba(4,38,80,.55);
  position: relative; transition: transform .4s var(--ease), box-shadow .4s var(--ease);
}
.advisor__avatar::after {
  content: ""; position: absolute; inset: -4px; border-radius: 50%;
  background: var(--grad); z-index: -1; opacity: 0; transition: opacity .4s ease;
}
.advisor:hover .advisor__avatar { transform: translateY(-6px) scale(1.03); box-shadow: 0 24px 50px -18px rgba(42,171,226,.55); }
.advisor:hover .advisor__avatar::after { opacity: 1; }
.advisor:nth-child(2) .advisor__avatar { background: linear-gradient(140deg, var(--navy), var(--green)); }
.advisor:nth-child(3) .advisor__avatar { background: linear-gradient(140deg, #08407a, var(--sky)); }
.advisor:nth-child(4) .advisor__avatar { background: linear-gradient(140deg, var(--navy), var(--gold)); }
.advisor__name { font-family: var(--font-display); font-size: 1.18rem; font-weight: 700; color: var(--navy); }
.advisor__role { font-size: .92rem; color: var(--light-muted); max-width: 24ch; }

/* ---------- Testimonials ---------- */
.testimonials { background: linear-gradient(180deg, var(--navy-deep), var(--navy-deepest)); }
.testimonials__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.quote { padding: 2.2rem 2rem; display: flex; flex-direction: column; gap: 1rem; }
.quote__stars { color: var(--gold); font-size: 1.2rem; letter-spacing: .12em; }
.quote__text { font-family: var(--font-display); font-weight: 500; font-size: 1.18rem; line-height: 1.5; color: var(--text); font-style: normal; }
.quote__cite { color: var(--text-mute); font-size: .92rem; font-weight: 600; letter-spacing: .04em; }
.quote__cite::before { content: "— "; }

/* ---------- CTA band ---------- */
.cta-band {
  position: relative; overflow: hidden; isolation: isolate;
  padding: clamp(4.5rem, 3rem + 7vw, 8rem) 0;
  background:
    radial-gradient(800px 400px at 50% 120%, rgba(141,198,65,0.16), transparent 60%),
    linear-gradient(160deg, var(--navy), var(--navy-deepest));
  text-align: center;
}
.cta-band__glow {
  position: absolute; z-index: -1; left: 50%; top: -30%; transform: translateX(-50%);
  width: clamp(500px, 65vw, 1000px); aspect-ratio: 1.6/1;
  background: radial-gradient(ellipse at center, rgba(42,171,226,0.35), transparent 62%);
  filter: blur(70px); animation: floatGlow 16s ease-in-out infinite;
}
.cta-band__inner { max-width: 760px; margin-inline: auto; }
.cta-band__rule { width: 64px; height: 3px; background: var(--gold); border-radius: 3px; margin: 0 auto 1.6rem; }
.cta-band__title { font-family: var(--font-display); font-weight: 800; letter-spacing: -.03em; line-height: 1.05; font-size: clamp(2.3rem, 1.4rem + 4.5vw, 4rem); }
.cta-band__sub { margin-top: 1.1rem; font-size: clamp(1.05rem, 1rem + .4vw, 1.28rem); color: var(--text-soft); }
.cta-band__actions { margin-top: 2.3rem; display: flex; flex-wrap: wrap; gap: 1rem; justify-content: center; }

/* ---------- Footer ---------- */
.footer { background: var(--navy-deepest); border-top: 1px solid rgba(255,255,255,0.08); color: var(--text-soft); }
.footer__inner { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.3fr; gap: 2.5rem; padding: 4rem 0 3rem; }
.brand__chip--footer { padding: .55rem .85rem; }
.brand__chip--footer img { height: 40px; }
.footer__tagline { margin-top: 1rem; font-family: var(--font-display); font-style: italic; color: var(--gold); font-size: 1.02rem; }
.footer__badge { margin-top: 1rem; display: inline-flex; align-items: center; gap: .5rem; color: var(--text-mute); font-size: .9rem; }
.footer__head { font-family: var(--font-display); font-size: 1rem; font-weight: 700; color: #fff; margin-bottom: 1.1rem; letter-spacing: .02em; }
.footer__col ul { list-style: none; padding: 0; display: grid; gap: .65rem; }
.footer__col a { color: var(--text-soft); transition: color .2s ease; }
.footer__col a:hover { color: var(--sky); }
.footer__col--contact address { font-style: normal; line-height: 1.9; color: var(--text-soft); }
.footer__col--contact a:hover { color: var(--sky); }
.footer__muted { color: var(--text-mute); font-size: .9rem; }

.footer__bar { border-top: 1px solid rgba(255,255,255,0.07); }
.footer__bar-inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: 1.3rem 0; flex-wrap: wrap; }
.footer__bar p { font-size: .85rem; color: var(--text-mute); }
.footer__disclaimer { max-width: 52ch; }

/* ============================================================
   Scroll reveal
   ============================================================ */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.is-visible { opacity: 1; transform: none; }

/* ============================================================
   Responsive
   ============================================================ */
@media (max-width: 1024px) {
  .pillars__grid, .insights__grid, .testimonials__grid { grid-template-columns: 1fr 1fr; }
  .services__grid { grid-template-columns: 1fr 1fr; }
  .team__grid { grid-template-columns: 1fr 1fr; }
  .footer__inner { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .hero__statcard { position: static; width: 100%; max-width: 360px; margin-top: 2.5rem; animation: none; }
}

@media (max-width: 860px) {
  /* mobile nav */
  .nav__toggle { display: flex; }
  .nav__menu {
    position: fixed; inset: 0 0 0 auto; width: min(86vw, 360px);
    background: rgba(6, 21, 40, 0.97); backdrop-filter: blur(18px);
    border-left: 1px solid var(--glass-border);
    transform: translateX(100%); transition: transform .4s var(--ease);
    padding: 6rem 1.5rem 2rem; overflow-y: auto; z-index: 90;
    box-shadow: -30px 0 80px -40px rgba(0,0,0,.9);
  }
  .nav__menu.is-open { transform: translateX(0); }
  .nav__list { flex-direction: column; align-items: stretch; gap: .25rem; }
  .nav__link { width: 100%; justify-content: space-between; padding: .85rem 1rem; font-size: 1.05rem; }
  .nav__item--cta { margin-top: 1rem; }
  .nav__item--cta .btn { width: 100%; justify-content: center; }

  /* mobile dropdown = accordion */
  .dropdown {
    position: static; opacity: 1; visibility: visible; transform: none;
    background: transparent; border: none; box-shadow: none; backdrop-filter: none;
    padding: 0 0 .5rem .5rem; max-height: 0; overflow: hidden;
    transition: max-height .35s var(--ease);
  }
  .dropdown.is-open { max-height: 320px; }
  .dropdown a { color: var(--text-mute); }
}

@media (max-width: 720px) {
  .pillars__grid, .insights__grid, .testimonials__grid,
  .services__grid, .team__grid, .why__stats { grid-template-columns: 1fr; }
  .why__inner { grid-template-columns: 1fr; }
  .footer__inner { grid-template-columns: 1fr; }
  .section__head--row { align-items: flex-start; }
  .topbar__item--badge { display: none; }
  .hero__actions .btn, .cta-band__actions .btn { width: 100%; justify-content: center; }
}

/* ============================================================
   Reduced motion
   ============================================================ */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: .001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .001ms !important;
  }
  .reveal { opacity: 1; transform: none; }
  .hero__glow, .hero__statcard, .cta-band__glow { animation: none; }
  .marquee__track { animation: none; }
}