/* =========================================================
   BulletProof Financial Group — Premium Website v2
   Rebuilt for perfection by Jarvis | 2026
   ========================================================= */

/* ── GOOGLE FONTS ── */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&family=Playfair+Display:ital,wght@0,700;0,800;1,700;1,800&display=swap');

/* ── RESET ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; -webkit-font-smoothing: antialiased; }
body { font-family: 'Inter', -apple-system, BlinkMacSystemFont, system-ui, sans-serif; background: var(--bg); color: var(--text); line-height: 1.65; overflow-x: hidden; }
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; }
input, textarea, select { font-family: inherit; }

/* ── TOKENS ── */
:root {
  /* Core palette */
  --bg:          #070C17;
  --bg-2:        #0B1220;
  --bg-3:        #101828;
  --bg-4:        #141E2E;
  --bg-card:     rgba(255,255,255,0.03);
  --gold:        #C9A84C;
  --gold-2:      #DFB96B;
  --gold-3:      #A8883A;
  --gold-pale:   rgba(201,168,76,0.10);
  --gold-glow:   rgba(201,168,76,0.18);
  --gold-grad:   linear-gradient(135deg, #A8883A 0%, #C9A84C 40%, #E2C878 70%, #C9A84C 100%);
  --blue-accent: #3B82F6;
  --green-ok:    #34D399;
  --red-warn:    #F87171;
  --amber:       #FBBF24;

  /* Text */
  --text:       rgba(255,255,255,0.90);
  --text-2:     rgba(255,255,255,0.65);
  --text-3:     rgba(255,255,255,0.40);
  --text-4:     rgba(255,255,255,0.20);

  /* Borders */
  --border:     rgba(201,168,76,0.14);
  --border-2:   rgba(255,255,255,0.07);
  --border-3:   rgba(255,255,255,0.04);

  /* Radius */
  --r-xs:  4px;
  --r-sm:  8px;
  --r-md:  14px;
  --r-lg:  20px;
  --r-xl:  28px;
  --r-2xl: 40px;
  --r-full: 9999px;

  /* Shadows */
  --sh-card: 0 4px 24px rgba(0,0,0,0.35);
  --sh-lift: 0 12px 40px rgba(0,0,0,0.50);
  --sh-deep: 0 24px 80px rgba(0,0,0,0.65);
  --sh-gold: 0 0 40px rgba(201,168,76,0.20);
  --sh-gold-lg: 0 0 80px rgba(201,168,76,0.15);

  /* Layout */
  --nav-h: 72px;
  --max-w: 1300px;
  --content-w: 1100px;
  --narrow-w: 720px;
}

/* ── TYPOGRAPHY SCALE ── */
.t-hero  { font-size: clamp(2.8rem, 6.5vw, 6rem);   font-weight: 900; line-height: 1.03; letter-spacing: -0.04em; }
.t-3xl   { font-size: clamp(2.2rem, 5vw, 4.2rem);   font-weight: 800; line-height: 1.08; letter-spacing: -0.03em; }
.t-2xl   { font-size: clamp(1.8rem, 4vw, 3rem);     font-weight: 800; line-height: 1.12; letter-spacing: -0.025em; }
.t-xl    { font-size: clamp(1.5rem, 3vw, 2.25rem);  font-weight: 700; line-height: 1.2;  letter-spacing: -0.02em; }
.t-lg    { font-size: clamp(1.2rem, 2.5vw, 1.6rem); font-weight: 700; line-height: 1.3;  letter-spacing: -0.015em; }
.t-md    { font-size: 1.05rem; line-height: 1.7; font-weight: 400; }
.t-sm    { font-size: 0.9rem;  line-height: 1.65; font-weight: 400; }
.t-xs    { font-size: 0.8rem;  line-height: 1.6; font-weight: 400; }
.t-2xs   { font-size: 0.72rem; line-height: 1.55; font-weight: 500; }
.label   { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; }
.serif   { font-family: 'Playfair Display', Georgia, serif; }

/* Color utilities */
.c-gold  { color: var(--gold); }
.c-white { color: #fff; }
.c-muted { color: var(--text-2); }
.c-dim   { color: var(--text-3); }

/* ── LAYOUT ── */
.wrap    { max-width: var(--max-w);     margin: 0 auto; padding: 0 5%; }
.wrap-c  { max-width: var(--content-w); margin: 0 auto; padding: 0 5%; }
.wrap-n  { max-width: var(--narrow-w);  margin: 0 auto; padding: 0 5%; }
.section        { padding: 112px 5%; }
.section-sm     { padding: 72px 5%; }
.section-xs     { padding: 48px 5%; }
.bg-1  { background: var(--bg); }
.bg-2  { background: var(--bg-2); }
.bg-3  { background: var(--bg-3); }
.text-center { text-align: center; }

/* ── NAVIGATION ── */
.nav {
  position: fixed; inset: 0 0 auto 0; z-index: 1000;
  height: var(--nav-h);
  display: flex; align-items: center;
  padding: 0 5%;
  transition: background 0.3s, border-color 0.3s, backdrop-filter 0.3s;
}
.nav.scrolled, .nav.solid {
  background: rgba(7,12,23,0.94);
  backdrop-filter: blur(24px) saturate(1.4);
  border-bottom: 1px solid var(--border-2);
}
.nav-inner { max-width: var(--max-w); width: 100%; margin: 0 auto; display: flex; align-items: center; gap: 32px; }
.nav-logo img { height: 42px; width: auto; }
.nav-links { display: flex; align-items: center; gap: 4px; margin-left: auto; }
.nav-links a { padding: 8px 14px; border-radius: var(--r-sm); font-size: 0.85rem; font-weight: 500; color: var(--text-2); transition: all 0.2s; }
.nav-links a:hover { color: var(--text); background: var(--bg-card); }
.nav-links a.active { color: var(--gold); }
.nav-cta-btn {
  background: var(--gold-grad) !important; color: var(--bg) !important;
  font-weight: 700 !important; padding: 10px 22px !important;
  border-radius: var(--r-md) !important; margin-left: 8px;
  box-shadow: 0 4px 20px rgba(201,168,76,0.30);
}
.nav-cta-btn:hover { filter: brightness(1.1); transform: translateY(-1px); box-shadow: 0 8px 32px rgba(201,168,76,0.45) !important; }
.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 6px; }
.hamburger span { display: block; width: 22px; height: 2px; background: var(--text-2); border-radius: 2px; transition: all 0.3s; }
.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }
.mobile-nav {
  display: none; position: fixed; top: var(--nav-h); inset: var(--nav-h) 0 0 0; z-index: 999;
  background: rgba(7,12,23,0.98); backdrop-filter: blur(24px);
  flex-direction: column; padding: 24px 5%; gap: 4px;
  border-top: 1px solid var(--border-2); overflow-y: auto;
}
.mobile-nav.open { display: flex; }
.mobile-nav a { padding: 16px; border-radius: var(--r-md); font-size: 1rem; font-weight: 500; color: var(--text-2); transition: all 0.2s; }
.mobile-nav a:hover { color: var(--text); background: var(--bg-card); }
.mobile-nav .nav-cta-btn { text-align: center; margin-top: 8px; padding: 16px 22px !important; }

/* ── BUTTONS ── */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 28px; border-radius: var(--r-md);
  font-size: 0.95rem; font-weight: 600; border: none;
  transition: all 0.25s ease; white-space: nowrap;
}
.btn-gold {
  background: var(--gold-grad); color: var(--bg);
  box-shadow: 0 4px 20px rgba(201,168,76,0.30);
}
.btn-gold:hover { filter: brightness(1.08); transform: translateY(-2px); box-shadow: 0 10px 36px rgba(201,168,76,0.45); }
.btn-outline { background: transparent; color: var(--text); border: 1px solid rgba(255,255,255,0.18); }
.btn-outline:hover { border-color: var(--gold); color: var(--gold); background: var(--gold-pale); transform: translateY(-1px); }
.btn-ghost { background: var(--bg-card); border: 1px solid var(--border-2); color: var(--text-2); }
.btn-ghost:hover { color: var(--text); border-color: var(--border); }
.btn-lg { padding: 17px 36px; font-size: 1rem; border-radius: var(--r-lg); }
.btn-sm { padding: 9px 18px; font-size: 0.825rem; border-radius: var(--r-sm); }
.btn-full { width: 100%; }

/* ── BADGES ── */
.badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(201,168,76,0.09); border: 1px solid var(--border);
  color: var(--gold); padding: 7px 16px; border-radius: var(--r-full);
  font-size: 0.75rem; font-weight: 700; letter-spacing: 0.08em;
}
.badge-blue {
  background: rgba(59,130,246,0.10); border-color: rgba(59,130,246,0.25);
  color: #60A5FA;
}
.badge img { height: 16px; width: auto; filter: brightness(10) saturate(0); }

/* ── HERO ── */
.hero {
  min-height: 100vh;
  background: var(--bg);
  display: flex; align-items: center;
  position: relative; overflow: hidden;
  padding-top: var(--nav-h);
}
#hero-canvas {
  position: absolute; inset: 0; width: 100%; height: 100%;
  pointer-events: none; z-index: 0;
}
.hero-glow-orb {
  position: absolute; z-index: 0; pointer-events: none;
  border-radius: 50%; filter: blur(120px);
}
.orb-1 { width: 700px; height: 700px; top: -200px; right: -100px; background: radial-gradient(circle, rgba(201,168,76,0.07) 0%, transparent 70%); }
.orb-2 { width: 500px; height: 500px; bottom: -100px; left: -100px; background: radial-gradient(circle, rgba(59,130,246,0.05) 0%, transparent 70%); }

.hero-layout {
  position: relative; z-index: 2;
  max-width: var(--max-w); margin: 0 auto; padding: 80px 5%;
  width: 100%;
  display: grid; grid-template-columns: 1fr 420px;
  gap: 64px; align-items: center;
}
.hero-badge { margin-bottom: 28px; }
.hero-headline { margin-bottom: 28px; }
.hero-headline .serif { font-style: italic; }
.hero-sub { color: var(--text-2); max-width: 520px; font-size: 1.1rem; line-height: 1.8; margin-bottom: 40px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 56px; }
.hero-trust {
  display: flex; gap: 32px; padding-top: 40px;
  border-top: 1px solid var(--border-2); flex-wrap: wrap;
}
.trust-stat { display: flex; flex-direction: column; gap: 3px; }
.trust-num { font-size: 1.75rem; font-weight: 900; color: var(--gold); line-height: 1; white-space: nowrap; }
.trust-num.trust-num--sm { font-size: 1.15rem; letter-spacing: -0.01em; }
.trust-lbl { font-size: 0.72rem; font-weight: 600; color: var(--text-3); letter-spacing: 0.08em; text-transform: uppercase; }

/* Hero Card */
.hero-card {
  background: linear-gradient(135deg, rgba(255,255,255,0.05) 0%, rgba(255,255,255,0.02) 100%);
  border: 1px solid rgba(201,168,76,0.20);
  border-radius: var(--r-xl);
  padding: 36px;
  backdrop-filter: blur(20px);
  box-shadow: var(--sh-gold);
  position: relative; overflow: hidden;
}
.hero-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 2px;
  background: var(--gold-grad);
}
.hero-card-header { display: flex; align-items: center; gap: 12px; margin-bottom: 28px; }
.hero-card-dot { width: 10px; height: 10px; border-radius: 50%; background: var(--green-ok); box-shadow: 0 0 8px var(--green-ok); }
.hero-card-title { font-size: 0.8rem; font-weight: 700; color: var(--text-2); letter-spacing: 0.08em; text-transform: uppercase; }
.score-display {
  text-align: center; margin-bottom: 24px;
}
.score-gauge-wrap { position: relative; width: 140px; height: 140px; margin: 0 auto 16px; }
.score-gauge-svg { width: 140px; height: 140px; transform: rotate(-90deg); }
.score-gauge-bg { fill: none; stroke: var(--bg-3); stroke-width: 10; }
.score-gauge-fill { fill: none; stroke: url(#goldGrad); stroke-width: 10; stroke-linecap: round; stroke-dasharray: 345; stroke-dashoffset: 345; transition: stroke-dashoffset 2s cubic-bezier(0.4,0,0.2,1); }
.score-center { position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center; }
.score-val { font-size: 2.4rem; font-weight: 900; color: var(--gold); line-height: 1; }
.score-lbl { font-size: 0.65rem; color: var(--text-3); font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; }
.score-title { font-size: 0.9rem; font-weight: 700; color: var(--text); }
.score-sub   { font-size: 0.78rem; color: var(--text-2); margin-top: 4px; }
.score-items { margin-top: 20px; display: flex; flex-direction: column; gap: 10px; }
.score-item { display: flex; align-items: center; gap: 10px; font-size: 0.8rem; }
.score-item-bar { flex: 1; height: 4px; background: var(--bg-3); border-radius: 4px; overflow: hidden; }
.score-item-fill { height: 100%; border-radius: 4px; background: var(--gold-grad); transition: width 1.5s ease; width: 0; }
.score-item-label { color: var(--text-3); width: 72px; font-size: 0.75rem; }
.score-item-val { color: var(--gold); font-weight: 700; width: 36px; text-align: right; }
.hero-card-cta { margin-top: 24px; }

/* ── TRUST LINK ── */
.trust-link {
  color: inherit;
  text-decoration: none;
  border-bottom: 1px solid rgba(201,168,76,0.4);
  transition: color 0.2s, border-color 0.2s;
}
.trust-link:hover {
  color: var(--gold);
  border-color: var(--gold);
}

/* ── TRUST BAR ── */
.trust-bar {
  background: var(--bg-2);
  border-top: 1px solid var(--border-2);
  border-bottom: 1px solid var(--border-2);
  padding: 20px 5%;
}
.trust-bar-inner {
  max-width: var(--max-w); margin: 0 auto;
  display: flex; align-items: center; justify-content: center;
  gap: 48px; flex-wrap: wrap;
}
.trust-item { display: flex; align-items: center; gap: 10px; color: var(--text-3); font-size: 0.8rem; font-weight: 600; letter-spacing: 0.04em; }
.trust-item img { height: 24px; width: auto; filter: brightness(0.4) saturate(0); transition: filter 0.3s; }
.trust-item:hover img { filter: brightness(0.6); }
.trust-divider { width: 1px; height: 24px; background: var(--border-2); }

/* ── SECTION HEADERS ── */
.sh { margin-bottom: 60px; }
.sh.center { text-align: center; }
.sh .label { margin-bottom: 14px; }
.sh .title { color: var(--text); margin-top: 10px; }
.sh .desc { color: var(--text-2); margin-top: 16px; font-size: 1.05rem; max-width: 540px; }
.sh.center .desc { margin-left: auto; margin-right: auto; }

/* ── PROCESS SECTION ── */
.process-grid {
  display: grid; grid-template-columns: repeat(3,1fr);
  gap: 0; position: relative;
}
.process-grid::before {
  content: ''; position: absolute;
  top: 44px; left: calc(16.67% + 24px); right: calc(16.67% + 24px);
  height: 1px; background: linear-gradient(90deg, var(--gold) 0%, var(--gold) 50%, var(--gold) 100%);
  opacity: 0.25;
  z-index: 0;
}
.process-step-block { text-align: center; padding: 40px 32px; position: relative; z-index: 1; }
.process-num {
  width: 56px; height: 56px; border-radius: 50%;
  background: var(--gold-grad);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; font-weight: 900; color: var(--bg);
  margin: 0 auto 24px;
  box-shadow: 0 8px 24px rgba(201,168,76,0.35);
}
.process-step-title { font-size: 1.1rem; font-weight: 700; color: var(--text); margin-bottom: 10px; }
.process-step-desc { font-size: 0.875rem; color: var(--text-2); line-height: 1.7; max-width: 240px; margin: 0 auto; }

/* ── AUDIENCE PATHS ── */
.audience-grid {
  display: grid; grid-template-columns: repeat(3,1fr);
  gap: 1px; background: var(--border-2);
}
.audience-card {
  background: var(--bg-2); padding: 48px 40px;
  display: flex; flex-direction: column;
  transition: background 0.3s;
  position: relative; overflow: hidden;
  cursor: pointer;
}
.audience-card::after {
  content: ''; position: absolute;
  bottom: 0; left: 0; right: 0; height: 2px;
  background: var(--gold-grad);
  transform: scaleX(0); transform-origin: left;
  transition: transform 0.35s ease;
}
.audience-card:hover { background: var(--bg-3); }
.audience-card:hover::after { transform: scaleX(1); }
.aud-icon { font-size: 2.2rem; margin-bottom: 18px; line-height: 1; }
.aud-tag { color: var(--gold); font-size: 0.7rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; margin-bottom: 10px; }
.aud-title { font-size: 1.3rem; font-weight: 800; color: var(--text); line-height: 1.2; margin-bottom: 14px; }
.aud-desc { font-size: 0.875rem; color: var(--text-2); line-height: 1.7; flex: 1; margin-bottom: 24px; }
.aud-link { font-size: 0.85rem; font-weight: 700; color: var(--gold); letter-spacing: 0.02em; }

/* ── PAIN CARDS ── */
.pain-grid {
  display: grid; grid-template-columns: repeat(auto-fit,minmax(300px,1fr));
  gap: 24px;
}
.pain-card {
  background: var(--bg-3); border: 1px solid var(--border-2);
  border-radius: var(--r-lg); padding: 36px;
  transition: all 0.3s ease;
}
.pain-card:hover { border-color: var(--border); transform: translateY(-4px); box-shadow: var(--sh-lift); }
.pain-n { font-size: 3.5rem; font-weight: 900; color: rgba(201,168,76,0.12); line-height: 1; margin-bottom: 20px; font-family: 'Playfair Display', serif; }
.pain-q { font-size: 1.05rem; font-weight: 700; color: var(--text); line-height: 1.45; margin-bottom: 14px; }
.pain-a { font-size: 0.875rem; color: var(--text-2); line-height: 1.75; }

/* ── AI TOOLS ── */
.ai-section {
  background: linear-gradient(180deg, var(--bg-2) 0%, var(--bg) 100%);
  border-top: 1px solid var(--border-2);
  border-bottom: 1px solid var(--border-2);
  position: relative; overflow: hidden;
}
.ai-bg-glow { position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%); width: 800px; height: 400px; background: radial-gradient(ellipse, rgba(201,168,76,0.04) 0%, transparent 70%); pointer-events: none; }
.ai-tools-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; margin-top: 52px; }
.ai-card {
  background: rgba(255,255,255,0.03); border: 1px solid var(--border-2);
  border-radius: var(--r-lg); padding: 32px;
  transition: all 0.3s; cursor: pointer; position: relative; overflow: hidden;
}
.ai-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 2px; background: var(--gold-grad); opacity: 0; transition: opacity 0.3s; }
.ai-card:hover { border-color: var(--border); transform: translateY(-4px); box-shadow: var(--sh-gold); }
.ai-card:hover::before { opacity: 1; }
.ai-card-badge { display: flex; gap: 8px; align-items: center; margin-bottom: 20px; }
.ai-live-dot { width: 7px; height: 7px; border-radius: 50%; background: var(--green-ok); box-shadow: 0 0 6px var(--green-ok); animation: pulse-dot 2s infinite; }
@keyframes pulse-dot { 0%,100% { opacity: 1; } 50% { opacity: 0.4; } }
.ai-live-label { font-size: 0.7rem; font-weight: 700; color: var(--green-ok); letter-spacing: 0.12em; text-transform: uppercase; }
.ai-card-icon { font-size: 2.4rem; margin-bottom: 16px; }
.ai-card-title { font-size: 1.1rem; font-weight: 700; color: var(--text); margin-bottom: 12px; }
.ai-card-desc { font-size: 0.875rem; color: var(--text-2); line-height: 1.7; margin-bottom: 24px; }

/* ── QUIZ ── */
.quiz-shell {
  background: var(--bg-2); border: 1px solid var(--border);
  border-radius: var(--r-xl); overflow: hidden;
  max-width: 660px; margin: 0 auto;
  position: relative;
}
.quiz-shell::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: var(--gold-grad); }
.quiz-inner { padding: 44px; }
.quiz-meta { display: flex; justify-content: space-between; align-items: center; margin-bottom: 24px; }
.quiz-label { font-size: 0.72rem; font-weight: 700; color: var(--gold); letter-spacing: 0.12em; text-transform: uppercase; }
.quiz-step-count { font-size: 0.8rem; color: var(--text-3); }
.quiz-progress { height: 3px; background: var(--bg-4); border-radius: 3px; margin-bottom: 36px; overflow: hidden; }
.quiz-fill { height: 100%; background: var(--gold-grad); transition: width 0.4s ease; }
.quiz-q { font-size: 1.2rem; font-weight: 700; color: var(--text); line-height: 1.45; margin-bottom: 8px; }
.quiz-hint { font-size: 0.85rem; color: var(--text-3); margin-bottom: 28px; }
.quiz-opts { display: flex; flex-direction: column; gap: 10px; }
.quiz-opt {
  background: var(--bg-3); border: 1px solid var(--border-2);
  border-radius: var(--r-md); padding: 15px 20px;
  display: flex; align-items: center; gap: 14px;
  cursor: pointer; transition: all 0.2s; user-select: none;
}
.quiz-opt:hover { border-color: var(--border); background: var(--bg-4); }
.quiz-opt.selected { border-color: var(--gold); background: var(--gold-pale); }
.quiz-opt-letter {
  width: 30px; height: 30px; border-radius: 50%;
  background: var(--bg-4); border: 1px solid var(--border-2);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.75rem; font-weight: 700; color: var(--text-2);
  flex-shrink: 0; transition: all 0.2s;
}
.quiz-opt.selected .quiz-opt-letter { background: var(--gold); color: var(--bg); border-color: var(--gold); }
.quiz-opt-text { font-size: 0.9rem; color: var(--text-2); }
.quiz-opt.selected .quiz-opt-text { color: var(--text); }

/* Quiz Result */
.quiz-result { text-align: center; padding: 44px; }
.result-ring-wrap { position: relative; width: 160px; height: 160px; margin: 0 auto 28px; }
.result-ring-svg { width: 160px; height: 160px; transform: rotate(-90deg); }
.result-ring-bg { fill: none; stroke: var(--bg-4); stroke-width: 12; }
.result-ring-fill { fill: none; stroke-width: 12; stroke-linecap: round; stroke-dasharray: 408; stroke-dashoffset: 408; transition: stroke-dashoffset 1.8s cubic-bezier(0.4,0,0.2,1) 0.3s; }
.result-ring-inner { position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center; }
.result-score-n { font-size: 2.8rem; font-weight: 900; line-height: 1; }
.result-score-l { font-size: 0.65rem; color: var(--text-3); font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; }
.result-grade { font-size: 1.4rem; font-weight: 800; margin-bottom: 10px; }
.result-msg { font-size: 0.95rem; color: var(--text-2); max-width: 460px; margin: 0 auto 32px; line-height: 1.7; }
.result-recommendations { text-align: left; background: var(--bg-3); border: 1px solid var(--border-2); border-radius: var(--r-md); padding: 24px; margin-bottom: 32px; }
.result-rec-title { font-size: 0.8rem; font-weight: 700; color: var(--gold); letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 16px; }
.result-rec-item { display: flex; gap: 12px; margin-bottom: 10px; font-size: 0.875rem; color: var(--text-2); align-items: flex-start; }
.result-rec-item .dot { width: 6px; height: 6px; border-radius: 50%; background: var(--gold); flex-shrink: 0; margin-top: 6px; }
.result-actions { display: flex; flex-direction: column; gap: 10px; }

/* ── RETIREMENT CALCULATOR ── */
.calc-shell {
  background: var(--bg-2); border: 1px solid var(--border);
  border-radius: var(--r-xl); overflow: hidden;
  position: relative;
}
.calc-shell::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: var(--gold-grad); }
.calc-inner { padding: 44px; }
.calc-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; }
.calc-controls h3 { font-size: 1.1rem; font-weight: 700; color: var(--text); margin-bottom: 28px; }
.calc-field { margin-bottom: 22px; }
.calc-field-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 8px; }
.calc-field-label { font-size: 0.82rem; font-weight: 600; color: var(--text-2); }
.calc-field-val { font-size: 0.85rem; font-weight: 800; color: var(--gold); }
.calc-slider { width: 100%; -webkit-appearance: none; height: 4px; border-radius: 4px; background: var(--bg-4); outline: none; accent-color: var(--gold); cursor: pointer; }
.calc-slider::-webkit-slider-thumb { -webkit-appearance: none; width: 18px; height: 18px; border-radius: 50%; background: var(--gold); cursor: pointer; box-shadow: 0 2px 8px rgba(201,168,76,0.5); }
.calc-results { display: flex; flex-direction: column; gap: 20px; }
.calc-results h3 { font-size: 1.1rem; font-weight: 700; color: var(--text); margin-bottom: 4px; }
.calc-main-result {
  background: linear-gradient(135deg, rgba(201,168,76,0.12) 0%, rgba(201,168,76,0.04) 100%);
  border: 1px solid var(--border); border-radius: var(--r-lg);
  padding: 28px; text-align: center;
}
.calc-main-n { font-size: 3rem; font-weight: 900; color: var(--gold); line-height: 1; margin-bottom: 6px; }
.calc-main-l { font-size: 0.82rem; color: var(--text-2); }
.calc-secondary { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.calc-sec-item { background: var(--bg-3); border: 1px solid var(--border-2); border-radius: var(--r-md); padding: 18px; text-align: center; }
.calc-sec-n { font-size: 1.4rem; font-weight: 800; color: var(--text); margin-bottom: 4px; }
.calc-sec-l { font-size: 0.72rem; color: var(--text-3); }
.calc-chart-wrap { margin-top: 20px; height: 180px; position: relative; }
.calc-disclaimer { font-size: 0.72rem; color: var(--text-4); margin-top: 16px; line-height: 1.55; }

/* ── COMPARISON TABLE ── */
.comparison-table-wrap { overflow-x: auto; border-radius: var(--r-lg); border: 1px solid var(--border-2); }
.comparison-table { width: 100%; border-collapse: collapse; }
.comparison-table th {
  background: var(--bg-3); padding: 16px 24px;
  text-align: left; font-size: 0.78rem; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--text-2); border-bottom: 1px solid var(--border-2);
}
.comparison-table th:last-child { color: var(--gold); }
.comparison-table td {
  padding: 14px 24px; font-size: 0.875rem; color: var(--text-2);
  border-bottom: 1px solid var(--border-3);
}
.comparison-table tr:last-child td { border-bottom: none; }
.comparison-table tr:hover td { background: var(--bg-4); }
.comparison-table td:first-child { color: var(--text); font-weight: 500; }
.c-yes { color: var(--green-ok) !important; font-weight: 700; }
.c-no  { color: var(--red-warn) !important; }
.c-maybe { color: var(--amber) !important; }

/* ── FAQ ── */
.faq-stack { display: flex; flex-direction: column; gap: 10px; }
.faq-item { background: var(--bg-3); border: 1px solid var(--border-2); border-radius: var(--r-md); overflow: hidden; transition: border-color 0.2s; }
.faq-item.open { border-color: var(--border); }
.faq-q { display: flex; justify-content: space-between; align-items: center; padding: 20px 24px; cursor: pointer; font-weight: 600; color: var(--text); font-size: 0.95rem; user-select: none; gap: 16px; }
.faq-q:hover { color: var(--gold); }
.faq-chevron { color: var(--gold); font-size: 1rem; flex-shrink: 0; transition: transform 0.3s; }
.faq-item.open .faq-chevron { transform: rotate(180deg); }
.faq-a { max-height: 0; overflow: hidden; transition: all 0.35s ease; font-size: 0.9rem; color: var(--text-2); line-height: 1.8; }
.faq-item.open .faq-a { max-height: 300px; padding: 0 24px 20px; }

/* ── TEAM / ABOUT ── */
.about-layout { display: grid; grid-template-columns: 300px 1fr; gap: 80px; align-items: center; }
.about-photo-wrap { position: relative; }
.about-photo {
  width: 260px; height: 340px;
  background: var(--bg-3); border: 1px solid var(--border-2);
  border-radius: var(--r-xl);
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  overflow: hidden;
}
.about-photo img { width: 100%; height: 100%; object-fit: cover; }
.about-photo-placeholder { text-align: center; color: var(--text-3); }
.about-accent {
  position: absolute; top: -14px; left: -14px;
  width: 120px; height: 120px;
  border-top: 3px solid var(--gold); border-left: 3px solid var(--gold);
  border-radius: 4px; opacity: 0.6;
}
.about-content .label { margin-bottom: 12px; }
.about-content h2 { color: var(--text); margin-bottom: 20px; }
.about-content p { color: var(--text-2); margin-bottom: 18px; font-size: 1rem; line-height: 1.8; }
.credentials-row { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 28px; }
.cred { background: var(--gold-pale); border: 1px solid var(--border); color: var(--gold); font-size: 0.75rem; font-weight: 700; padding: 6px 14px; border-radius: var(--r-full); letter-spacing: 0.04em; }

/* ── SERVICE GRID ── */
.service-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(260px,1fr)); gap: 24px; }
.service-card {
  background: var(--bg-3); border: 1px solid var(--border-2);
  border-radius: var(--r-lg); padding: 32px;
  transition: all 0.3s;
}
.service-card:hover { border-color: var(--border); transform: translateY(-3px); box-shadow: var(--sh-card); }
.svc-icon { font-size: 1.8rem; margin-bottom: 16px; }
.svc-title { font-size: 1.05rem; font-weight: 700; color: var(--text); margin-bottom: 10px; }
.svc-desc { font-size: 0.875rem; color: var(--text-2); line-height: 1.7; }

/* ── STATS BAND ── */
.stats-band { background: var(--bg-2); border-top: 1px solid var(--border-2); border-bottom: 1px solid var(--border-2); padding: 56px 5%; }
.stats-row { max-width: var(--max-w); margin: 0 auto; display: grid; grid-template-columns: repeat(4,1fr); gap: 32px; text-align: center; }
.stat-big-n { font-size: 3.2rem; font-weight: 900; color: var(--gold); line-height: 1; }
.stat-big-l { font-size: 0.82rem; color: var(--text-3); margin-top: 8px; font-weight: 500; text-transform: uppercase; letter-spacing: 0.06em; }

/* ── TESTIMONIALS ── */
.testi-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(280px,1fr)); gap: 24px; }
.testi-card { background: var(--bg-3); border: 1px solid var(--border-2); border-radius: var(--r-lg); padding: 32px; transition: all 0.3s; }
.testi-card:hover { border-color: var(--border); transform: translateY(-3px); }
.testi-stars { display: flex; gap: 3px; margin-bottom: 16px; }
.testi-star { color: var(--gold); font-size: 1rem; }
.testi-text { font-size: 0.9rem; color: var(--text-2); line-height: 1.8; font-style: italic; margin-bottom: 20px; }
.testi-author { font-size: 0.9rem; font-weight: 700; color: var(--text); }
.testi-role { font-size: 0.78rem; color: var(--text-3); margin-top: 4px; }

/* ── LEAD MAGNET ── */
.lead-magnet {
  background: linear-gradient(135deg, var(--bg-2) 0%, var(--bg-3) 100%);
  border: 1px solid var(--border-2); border-radius: var(--r-xl);
  padding: 60px;
  display: grid; grid-template-columns: 1fr 380px;
  gap: 60px; align-items: center;
  position: relative; overflow: hidden;
}
.lead-magnet::before {
  content: ''; position: absolute; left: 0; top: 0; bottom: 0; width: 4px;
  background: var(--gold-grad);
}
.lm-guide {
  background: var(--bg-3); border: 1px solid var(--border);
  border-radius: var(--r-lg); padding: 32px;
  text-align: center;
}
.lm-guide-cover {
  width: 140px; height: 180px; margin: 0 auto 20px;
  background: linear-gradient(135deg, var(--bg-4) 0%, var(--bg-2) 100%);
  border: 1px solid var(--border); border-radius: var(--r-md);
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  font-size: 2.5rem; position: relative; overflow: hidden;
}
.lm-guide-cover::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: var(--gold-grad);
}
.lm-guide-title { font-size: 0.8rem; font-weight: 700; color: var(--text); margin-bottom: 6px; }
.lm-guide-sub { font-size: 0.72rem; color: var(--text-3); }

/* ── CONTACT FORM ── */
.contact-form { display: flex; flex-direction: column; gap: 14px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-field { display: flex; flex-direction: column; gap: 7px; }
.form-label { font-size: 0.78rem; font-weight: 600; color: var(--text-2); }
.form-input, .form-select, .form-textarea {
  background: var(--bg-3); border: 1px solid var(--border-2);
  border-radius: var(--r-sm); padding: 12px 14px;
  color: var(--text); font-size: 0.9rem; outline: none;
  transition: border-color 0.2s;
  width: 100%;
}
.form-input:focus, .form-select:focus, .form-textarea:focus { border-color: var(--gold); }
.form-input::placeholder, .form-textarea::placeholder { color: var(--text-4); }
.form-select { appearance: none; }
.form-textarea { resize: vertical; min-height: 100px; }
.form-submit { margin-top: 4px; }
.form-disclaimer { font-size: 0.72rem; color: var(--text-4); line-height: 1.6; margin-top: 12px; }

/* ── CTA SECTION ── */
.cta-section {
  background: var(--bg);
  padding: 112px 5%;
  text-align: center; position: relative; overflow: hidden;
}
.cta-glow {
  position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%);
  width: 900px; height: 400px;
  background: radial-gradient(ellipse, rgba(201,168,76,0.06) 0%, transparent 70%);
  pointer-events: none;
}
.cta-box { max-width: 660px; margin: 0 auto; position: relative; z-index: 1; }
.cta-box h2 { color: var(--text); margin-bottom: 16px; }
.cta-box p { color: var(--text-2); font-size: 1.05rem; line-height: 1.8; }
.cta-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; margin-top: 40px; }
.cta-contact { margin-top: 28px; padding-top: 28px; border-top: 1px solid var(--border-2); font-size: 0.85rem; color: var(--text-3); }
.cta-contact a { color: var(--gold); font-weight: 600; }

/* ── CHAT WIDGET ── */
.chat-fab {
  position: fixed; bottom: 28px; right: 28px; z-index: 800;
  width: 60px; height: 60px; border-radius: 50%;
  background: var(--gold-grad);
  border: none; font-size: 1.5rem;
  box-shadow: 0 8px 32px rgba(201,168,76,0.45);
  transition: all 0.3s;
  display: flex; align-items: center; justify-content: center;
}
.chat-fab:hover { transform: scale(1.1); box-shadow: 0 14px 48px rgba(201,168,76,0.6); }
.chat-fab-ring {
  position: absolute; inset: -5px; border-radius: 50%;
  border: 2px solid var(--gold); opacity: 0;
  animation: ring-pulse 2.5s infinite;
}
@keyframes ring-pulse { 0%,100% { opacity: 0; transform: scale(1); } 50% { opacity: 0.35; transform: scale(1.12); } }
.chat-window {
  display: none; position: fixed; bottom: 100px; right: 28px; z-index: 800;
  width: 360px; height: 520px;
  background: var(--bg-2); border: 1px solid var(--border);
  border-radius: var(--r-xl); box-shadow: var(--sh-deep);
  flex-direction: column; overflow: hidden;
}
.chat-window.open { display: flex; }
.chat-hdr {
  padding: 18px 20px; border-bottom: 1px solid var(--border-2);
  display: flex; align-items: center; gap: 12px;
}
.chat-hdr-ava {
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--gold-grad);
  display: flex; align-items: center; justify-content: center; font-size: 1.1rem;
}
.chat-hdr-name { font-size: 0.9rem; font-weight: 700; color: var(--text); }
.chat-hdr-status { font-size: 0.72rem; color: var(--green-ok); font-weight: 600; }
.chat-hdr-close { margin-left: auto; background: none; border: none; color: var(--text-3); font-size: 1.1rem; padding: 4px; transition: color 0.2s; }
.chat-hdr-close:hover { color: var(--text); }
/* Chat disclaimer bar */
.chat-disclaimer-bar {
  background: rgba(201,168,76,0.08);
  border-bottom: 1px solid rgba(201,168,76,0.2);
  padding: 8px 14px;
  font-size: 0.72rem;
  color: var(--text-2);
  line-height: 1.5;
  flex-shrink: 0;
}
.chat-disclaimer-bar a {
  color: var(--gold);
  text-decoration: underline;
}
/* Per-message education disclaimer */
.chat-edu-disclaimer {
  font-size: 0.7rem;
  color: var(--text-3);
  line-height: 1.5;
  padding: 6px 10px;
  border-left: 2px solid rgba(201,168,76,0.3);
  margin-top: 2px;
  align-self: flex-start;
  max-width: 88%;
}
.chat-edu-disclaimer a {
  color: var(--gold);
  text-decoration: underline;
}
.chat-msgs {
  flex: 1; padding: 18px; overflow-y: auto; display: flex;
  flex-direction: column; gap: 10px;
}
.chat-msgs::-webkit-scrollbar { width: 4px; }
.chat-msgs::-webkit-scrollbar-thumb { background: var(--border-2); border-radius: 4px; }
.chat-msg { max-width: 88%; padding: 11px 15px; font-size: 0.85rem; line-height: 1.6; border-radius: var(--r-md); }
.chat-msg.bot { background: var(--bg-3); border: 1px solid var(--border-2); color: var(--text); align-self: flex-start; border-radius: 4px var(--r-md) var(--r-md) var(--r-md); }
.chat-msg.user { background: var(--gold-grad); color: var(--bg); font-weight: 500; align-self: flex-end; border-radius: var(--r-md) 4px var(--r-md) var(--r-md); }
.chat-typing-dots { display: flex; gap: 5px; padding: 14px 18px; align-items: center; align-self: flex-start; background: var(--bg-3); border: 1px solid var(--border-2); border-radius: 4px var(--r-md) var(--r-md) var(--r-md); }
.dot-t { width: 6px; height: 6px; border-radius: 50%; background: var(--text-3); animation: typing-bounce 1.3s infinite; }
.dot-t:nth-child(2) { animation-delay: 0.2s; }
.dot-t:nth-child(3) { animation-delay: 0.4s; }
@keyframes typing-bounce { 0%,100% { transform: translateY(0); opacity: 0.4; } 50% { transform: translateY(-4px); opacity: 1; } }
.chat-quick { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 4px; align-self: flex-start; }
.chat-qr { background: var(--bg-4); border: 1px solid var(--border-2); color: var(--text-2); font-size: 0.72rem; font-weight: 600; padding: 5px 10px; border-radius: var(--r-full); cursor: pointer; transition: all 0.2s; }
.chat-qr:hover { border-color: var(--gold); color: var(--gold); }
.chat-input-bar {
  padding: 14px; border-top: 1px solid var(--border-2);
  display: flex; gap: 10px;
}
.chat-text {
  flex: 1; background: var(--bg-3); border: 1px solid var(--border-2);
  border-radius: var(--r-md); padding: 10px 14px; color: var(--text);
  font-size: 0.85rem; outline: none; transition: border-color 0.2s;
}
.chat-text:focus { border-color: var(--gold); }
.chat-text::placeholder { color: var(--text-4); }
.chat-send-btn {
  width: 40px; height: 40px; border-radius: var(--r-md);
  background: var(--gold-grad); border: none;
  color: var(--bg); font-size: 0.95rem; flex-shrink: 0;
  transition: all 0.2s;
}
.chat-send-btn:hover { filter: brightness(1.1); }

/* ── FOOTER ── */
.footer { background: var(--bg); border-top: 1px solid var(--border-2); padding: 80px 5% 40px; }
.footer-grid { max-width: var(--max-w); margin: 0 auto; display: grid; grid-template-columns: 2.5fr 1fr 1fr 1fr; gap: 48px; padding-bottom: 48px; border-bottom: 1px solid var(--border-2); }
.footer-brand img { height: 38px; margin-bottom: 16px; }
.footer-brand p { font-size: 0.875rem; color: var(--text-2); line-height: 1.75; }
.footer-brand address { font-style: normal; font-size: 0.8rem; color: var(--text-3); margin-top: 14px; line-height: 1.7; }
.footer-col h4 { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold); margin-bottom: 20px; }
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col a { font-size: 0.875rem; color: var(--text-2); transition: color 0.2s; }
.footer-col a:hover { color: var(--text); }
.footer-bottom { max-width: var(--max-w); margin: 32px auto 0; display: flex; justify-content: space-between; align-items: center; font-size: 0.8rem; color: var(--text-3); flex-wrap: wrap; gap: 12px; }
.footer-disc { max-width: var(--max-w); margin: 20px auto 0; font-size: 0.7rem; color: var(--text-4); line-height: 1.6; }

/* ── BREADCRUMB ── */
.breadcrumb { padding: calc(var(--nav-h) + 16px) 5% 16px; max-width: var(--max-w); margin: 0 auto; font-size: 0.78rem; color: var(--text-3); display: flex; align-items: center; gap: 8px; }
.breadcrumb a { color: var(--text-3); transition: color 0.2s; }
.breadcrumb a:hover { color: var(--gold); }

/* ── PAGE HERO ── */
.page-hero {
  min-height: 62vh; background: var(--bg);
  display: flex; align-items: flex-end;
  padding-top: var(--nav-h); position: relative; overflow: hidden;
}
.page-hero-content { position: relative; z-index: 2; max-width: var(--max-w); margin: 0 auto; padding: 72px 5%; width: 100%; }
.ph-glow { position: absolute; inset: 0; background: radial-gradient(ellipse at 70% 50%, rgba(201,168,76,0.06) 0%, transparent 60%); pointer-events: none; }

/* ── ANIMATIONS ── */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity 0.65s ease, transform 0.65s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-delay-1 { transition-delay: 0.10s; }
.reveal-delay-2 { transition-delay: 0.20s; }
.reveal-delay-3 { transition-delay: 0.30s; }
.reveal-delay-4 { transition-delay: 0.40s; }
.reveal-delay-5 { transition-delay: 0.50s; }
.reveal-delay-6 { transition-delay: 0.60s; }

/* ── HIGHLIGHT BOX ── */
.highlight-box {
  background: rgba(201,168,76,0.07); border: 1px solid var(--border);
  border-left: 4px solid var(--gold); border-radius: var(--r-md);
  padding: 24px 28px;
}
.highlight-box p { font-size: 0.95rem; color: var(--text-2); line-height: 1.8; }
.highlight-box strong { color: var(--text); }

/* ── PROCESS STEPS (vertical) ── */
.process-v { display: flex; flex-direction: column; gap: 0; }
.pv-step { display: grid; grid-template-columns: 56px 1fr; gap: 24px; padding: 28px 0; border-bottom: 1px solid var(--border-2); }
.pv-step:last-child { border-bottom: none; }
.pv-n { width: 44px; height: 44px; border-radius: 50%; background: var(--gold-grad); display: flex; align-items: center; justify-content: center; font-size: 0.9rem; font-weight: 800; color: var(--bg); flex-shrink: 0; }
.pv-title { font-size: 1.05rem; font-weight: 700; color: var(--text); margin-bottom: 8px; }
.pv-desc { font-size: 0.875rem; color: var(--text-2); line-height: 1.75; }

/* ── PERKS GRID ── */
.perks-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(240px,1fr)); gap: 24px; }
.perk-card { background: var(--bg-3); border: 1px solid var(--border-2); border-radius: var(--r-lg); padding: 28px; transition: all 0.3s; }
.perk-card:hover { border-color: var(--border); transform: translateY(-3px); }
.perk-icon { font-size: 2rem; margin-bottom: 12px; }
.perk-title { font-size: 1rem; font-weight: 700; color: var(--text); margin-bottom: 10px; }
.perk-desc { font-size: 0.875rem; color: var(--text-2); line-height: 1.7; }

/* ── INCOME BANDS ── */
.income-list { display: flex; flex-direction: column; gap: 14px; }
.income-band {
  background: var(--bg-3); border: 1px solid var(--border-2); border-radius: var(--r-lg);
  padding: 22px 28px; display: grid; grid-template-columns: 1fr auto; align-items: center;
  transition: border-color 0.2s;
}
.income-band:hover { border-color: var(--border); }
.income-band-label { font-size: 0.9rem; color: var(--text-2); font-weight: 500; }
.income-band-sub { font-size: 0.78rem; color: var(--text-3); margin-top: 4px; }
.income-band-range { font-size: 1.15rem; font-weight: 900; color: var(--gold); }

/* ── SCROLL HINT ── */
.scroll-hint {
  position: absolute; bottom: 36px; left: 50%; transform: translateX(-50%);
  display: flex; flex-direction: column; align-items: center; gap: 8px;
  color: var(--text-4); font-size: 0.7rem; letter-spacing: 0.12em; text-transform: uppercase;
  animation: float-scroll 2.5s infinite ease-in-out;
}
@keyframes float-scroll { 0%,100% { transform: translateX(-50%) translateY(0); } 50% { transform: translateX(-50%) translateY(8px); } }
.scroll-hint-arrow { font-size: 1rem; }

/* ── RESPONSIVE ── */
@media (max-width: 1100px) {
  .hero-layout { grid-template-columns: 1fr; }
  .hero-card { display: none; }
  .advisor-photo-placeholder { max-width: 100%; aspect-ratio: 4/3; }
  .health-preview-layout { grid-template-columns: 1fr; gap: 40px; }
  .audience-grid { grid-template-columns: repeat(2,1fr); }
  .ai-tools-grid { grid-template-columns: repeat(2,1fr); }
  .about-layout { grid-template-columns: 1fr; }
  .about-photo-wrap { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1/-1; }
  .stats-row { grid-template-columns: repeat(2,1fr); }
  .process-grid { grid-template-columns: 1fr; }
  .process-grid::before { display: none; }
  .calc-layout { grid-template-columns: 1fr; }
  .lead-magnet { grid-template-columns: 1fr; }
  .lm-guide { display: none; }
}
@media (max-width: 768px) {
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .section { padding: 80px 5%; }
  .audience-grid { grid-template-columns: 1fr; }
  .ai-tools-grid { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .cta-actions { flex-direction: column; align-items: center; }
  .cta-actions .btn { width: 100%; max-width: 320px; justify-content: center; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .chat-window { width: calc(100vw - 32px); right: 16px; }
  .comparison-table th, .comparison-table td { padding: 12px 14px; font-size: 0.8rem; }
  .testi-grid { grid-template-columns: 1fr; }
  .lead-magnet { padding: 40px 28px; }
  .form-row { grid-template-columns: 1fr; }
}
/* ── ADVISOR PHOTO PLACEHOLDER ── */
.advisor-photo-wrap {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
}
.advisor-photo-placeholder {
  width: 100%;
  max-width: 420px;
  aspect-ratio: 3/4;
  background: linear-gradient(160deg, rgba(201,168,76,0.08) 0%, rgba(255,255,255,0.03) 100%);
  border: 2px dashed rgba(201,168,76,0.35);
  border-radius: var(--r-xl);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}
.advisor-photo-placeholder::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 50% 0%, rgba(201,168,76,0.12) 0%, transparent 70%);
}
.advisor-photo-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  z-index: 1;
}
.advisor-photo-icon {
  font-size: 5rem;
  opacity: 0.4;
  filter: grayscale(1);
}
.advisor-photo-credential {
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--text-2);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 20px;
  padding: 4px 12px;
}
.advisor-photo-label {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--text);
  letter-spacing: -0.01em;
}
.advisor-photo-title {
  font-size: 0.82rem;
  color: var(--gold);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
}
.advisor-photo-hint {
  font-size: 0.72rem;
  color: var(--text-3);
  margin-top: 4px;
  font-style: italic;
}
.advisor-photo-card {
  display: flex;
  align-items: center;
  gap: 12px;
  background: linear-gradient(135deg, rgba(255,255,255,0.06) 0%, rgba(255,255,255,0.02) 100%);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: var(--r-lg);
  padding: 14px 20px;
  width: 100%;
  max-width: 420px;
  position: relative;
}
.advisor-photo-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 1px;
  background: var(--gold-grad);
  border-radius: var(--r-lg) var(--r-lg) 0 0;
}
.advisor-photo-card-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--green-ok);
  box-shadow: 0 0 8px var(--green-ok);
  flex-shrink: 0;
}
.advisor-photo-card-text {
  flex: 1;
  font-size: 0.82rem;
  color: var(--text);
  line-height: 1.5;
}
.advisor-photo-card-text span {
  color: var(--text-3);
  font-size: 0.75rem;
}
.advisor-photo-badge {
  font-size: 0.7rem;
  font-weight: 700;
  color: var(--gold);
  background: rgba(201,168,76,0.1);
  border: 1px solid rgba(201,168,76,0.25);
  border-radius: 20px;
  padding: 4px 10px;
  white-space: nowrap;
}

/* ── FINANCIAL HEALTH PREVIEW SECTION ── */
.health-preview-layout {
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 64px;
  align-items: center;
  margin-top: 56px;
}
.health-preview-card {
  background: linear-gradient(135deg, rgba(255,255,255,0.05) 0%, rgba(255,255,255,0.02) 100%);
  border: 1px solid rgba(201,168,76,0.20);
  border-radius: var(--r-xl);
  padding: 36px;
  backdrop-filter: blur(20px);
  box-shadow: var(--sh-gold);
  position: relative;
  overflow: hidden;
}
.health-preview-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 2px;
  background: var(--gold-grad);
}
.health-preview-points {
  display: flex;
  flex-direction: column;
  gap: 32px;
}
.hpp-item {
  display: flex;
  gap: 18px;
  align-items: flex-start;
}
.hpp-icon {
  font-size: 1.8rem;
  flex-shrink: 0;
  margin-top: 2px;
}
.hpp-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 6px;
}
.hpp-desc {
  font-size: 0.88rem;
  color: var(--text-2);
  line-height: 1.7;
  margin: 0;
}

@media (max-width: 480px) {
  .pain-grid { grid-template-columns: 1fr; }
  .service-grid { grid-template-columns: 1fr; }
  .stats-row { grid-template-columns: 1fr 1fr; }
  .perks-grid { grid-template-columns: 1fr; }
  .trust-bar-inner { gap: 24px; }
  .trust-divider { display: none; }
}