/* ============================================================
   Family Brokerage Group — Private Family Office Aesthetic
   ============================================================ */

/* --- Design Tokens --- */
:root {
  /* Core palette */
  --navy:        #0B1A2E;
  --navy-deep:   #061222;
  --navy-mid:    #132B4A;
  --navy-light:  #1C3A5F;
  --ivory:       #F6F1EA;
  --ivory-warm:  #EDE6DA;
  --cream:       #FAF8F4;
  --gold:        #B49A6E;
  --gold-muted:  #A08B66;
  --gold-light:  #C9B48C;
  --charcoal:    #2C2C2C;
  --slate:       #5A6475;
  --border-light:#DDD5C8;
  --border-dark: #2A3A52;
  --white:       #FFFFFF;
  --error:       #9E3B3B;
  --success:     #3B7A57;

  /* Typography */
  --font-heading: 'Cormorant Garamond', 'Georgia', serif;
  --font-body:    'DM Sans', 'Helvetica Neue', sans-serif;
  --font-mono:    'IBM Plex Mono', monospace;

  /* Spacing scale */
  --sp-xs:  0.25rem;
  --sp-sm:  0.5rem;
  --sp-md:  1rem;
  --sp-lg:  2rem;
  --sp-xl:  3rem;
  --sp-2xl: 5rem;
  --sp-3xl: 8rem;

  /* Layout */
  --max-width: 1200px;
  --nav-height: 72px;
}

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

html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

html, body {
  width: 100%;
  min-height: 100%;
}

body {
  font-family: var(--font-body);
  color: var(--charcoal);
  background: var(--cream);
  line-height: 1.7;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { cursor: pointer; font-family: inherit; }
input, select, textarea { font-family: inherit; font-size: 1rem; }

/* --- Typography --- */
h1, h2, h3, h4, h5 {
  font-family: var(--font-heading);
  font-weight: 500;
  line-height: 1.2;
  color: var(--navy);
}

h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); letter-spacing: -0.01em; }
h3 { font-size: clamp(1.3rem, 2.5vw, 1.7rem); }
h4 { font-size: 1.15rem; }

p { max-width: 65ch; }

.label-text {
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  font-family: var(--font-body);
  color: var(--gold);
}

.label-text--dark {
  color: var(--slate);
}

/* --- Utility --- */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 var(--sp-lg);
}

.section-padding {
  padding: var(--sp-3xl) 0;
}

.text-center { text-align: center; }
.text-gold { color: var(--gold); }
.text-navy { color: var(--navy); }
.text-ivory { color: var(--ivory); }

.divider {
  width: 60px;
  height: 1px;
  background: var(--gold);
  margin: var(--sp-lg) 0;
}

.divider--center {
  margin-left: auto;
  margin-right: auto;
}

/* --- Navigation --- */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  height: var(--nav-height);
  transition: background 0.4s, border-color 0.4s, box-shadow 0.4s;
  background: rgba(11, 26, 46, 0.95);
  border-bottom: 1px solid rgba(42, 58, 82, 0.5);
  backdrop-filter: blur(8px);
}

.nav--scrolled {
  background: rgba(11, 26, 46, 0.98);
  border-bottom-color: var(--border-dark);
}

.nav__inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 var(--sp-lg);
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav__logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.nav__logo-icon {
  width: auto;
  height: 40px;
  color: var(--ivory);
  flex-shrink: 0;
}

.nav__logo-mark {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 500;
  color: var(--ivory);
  letter-spacing: 0.01em;
  white-space: nowrap;
}

.nav__logo-accent {
  color: var(--gold);
  font-weight: 600;
}

.nav__links {
  display: flex;
  align-items: center;
  gap: var(--sp-lg);
  list-style: none;
}

.nav__link {
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(246, 241, 234, 0.7);
  transition: color 0.25s;
  position: relative;
  white-space: nowrap;
}

.nav__link:hover,
.nav__link--active {
  color: var(--ivory);
}

.nav__link::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 1px;
  background: var(--gold);
  transition: width 0.3s;
}

.nav__link:hover::after,
.nav__link--active::after {
  width: 100%;
}

.nav__cta {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ivory);
  padding: 0.6rem 1.5rem;
  border: 1px solid var(--gold-muted);
  transition: all 0.3s;
  background: transparent;
}

.nav__cta:hover {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}

/* Mobile menu */
.nav__hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  padding: 4px;
}

.nav__hamburger span {
  display: block;
  width: 24px;
  height: 1.5px;
  background: var(--ivory);
  transition: transform 0.3s, opacity 0.3s;
}

.nav__hamburger--open span:nth-child(1) { transform: translateY(6.5px) rotate(45deg); }
.nav__hamburger--open span:nth-child(2) { opacity: 0; }
.nav__hamburger--open span:nth-child(3) { transform: translateY(-6.5px) rotate(-45deg); }

/* --- Hero --- */
.hero {
  position: relative;
  width: 100%;
  min-height: 100vh;
  min-height: 100dvh;
  display: flex;
  align-items: center;
  background: var(--navy-deep);
  overflow: hidden;
}

.hero__bg {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(165deg, rgba(6, 18, 34, 0.92) 0%, rgba(11, 26, 46, 0.78) 50%, rgba(19, 43, 74, 0.85) 100%);
  z-index: 1;
}

.hero__bg::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(ellipse at 20% 80%, rgba(180, 154, 110, 0.06) 0%, transparent 50%),
    radial-gradient(ellipse at 80% 20%, rgba(180, 154, 110, 0.04) 0%, transparent 50%);
}

/* Subtle crosshatch texture */
.hero__bg::after {
  content: '';
  position: absolute;
  inset: 0;
  opacity: 0.03;
  background-image: url("data:image/svg+xml,%3Csvg width='40' height='40' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M0 0l40 40M40 0L0 40' stroke='%23F6F1EA' stroke-width='0.5' fill='none'/%3E%3C/svg%3E");
}

.hero__content {
  position: relative;
  z-index: 2;
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: calc(var(--nav-height) + var(--sp-lg)) var(--sp-lg) 120px;
}

.hero__eyebrow {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: var(--sp-lg);
  padding-bottom: var(--sp-sm);
  border-bottom: 1px solid rgba(180, 154, 110, 0.3);
}

.hero__title {
  color: var(--ivory);
  max-width: 780px;
  margin-bottom: var(--sp-lg);
  font-weight: 400;
}

.hero__subtitle {
  font-size: clamp(1.05rem, 1.8vw, 1.2rem);
  color: rgba(246, 241, 234, 0.6);
  max-width: 560px;
  line-height: 1.8;
  margin-bottom: var(--sp-xl);
}

.hero__actions {
  display: flex;
  gap: var(--sp-md);
  flex-wrap: wrap;
  align-items: center;
}

.hero__stat-bar {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 2;
  border-top: 1px solid rgba(180, 154, 110, 0.15);
  background: rgba(6, 18, 34, 0.5);
  backdrop-filter: blur(10px);
}

.hero__stats {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: var(--sp-lg) var(--sp-lg);
  display: flex;
  justify-content: space-between;
}

.hero__stat {
  display: flex;
  flex-direction: column;
}

.hero__stat-number {
  font-family: var(--font-heading);
  font-size: 2rem;
  font-weight: 500;
  color: var(--ivory);
  line-height: 1;
}

.hero__stat-label {
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(246, 241, 234, 0.45);
  margin-top: 0.4rem;
}

/* --- Buttons --- */
.btn {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 0.9rem 2.2rem;
  border: 1px solid transparent;
  transition: all 0.3s;
  text-align: center;
}

.btn--primary {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}

.btn--primary:hover {
  background: var(--gold-muted);
  border-color: var(--gold-muted);
}

.btn--outline {
  background: transparent;
  color: var(--ivory);
  border-color: rgba(246, 241, 234, 0.25);
}

.btn--outline:hover {
  border-color: var(--ivory);
  color: var(--ivory);
}

.btn--outline-dark {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}

.btn--outline-dark:hover {
  background: var(--navy);
  color: var(--ivory);
}

.btn--dark {
  background: var(--navy);
  color: var(--ivory);
  border-color: var(--navy);
}

.btn--dark:hover {
  background: var(--navy-mid);
  border-color: var(--navy-mid);
}

.btn--small {
  padding: 0.6rem 1.4rem;
  font-size: 0.72rem;
}

/* --- Sections --- */

/* About / Philosophy */
.about {
  background: var(--cream);
  border-bottom: 1px solid var(--border-light);
}

.about__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--sp-3xl);
  align-items: center;
}

.about__content {
  max-width: 520px;
}

.about__content p {
  color: var(--slate);
  margin-bottom: var(--sp-md);
}

.about__image-frame {
  position: relative;
  aspect-ratio: 4/5;
  background: var(--ivory-warm);
  border: 1px solid var(--border-light);
  overflow: hidden;
}

.about__image-frame::after {
  content: '';
  position: absolute;
  inset: 12px;
  border: 1px solid rgba(180, 154, 110, 0.2);
  pointer-events: none;
}

.about__image-placeholder {
  width: 100%;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-muted);
  font-size: 0.8rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

/* Services */
.services {
  background: var(--navy);
  color: var(--ivory);
}

.services__header {
  margin-bottom: var(--sp-2xl);
}

.services__header h2 { color: var(--ivory); }
.services__header p { color: rgba(246, 241, 234, 0.55); }

.services__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--border-dark);
  border: 1px solid var(--border-dark);
}

.service-card {
  background: var(--navy);
  padding: var(--sp-xl);
  transition: background 0.3s;
}

.service-card:hover {
  background: var(--navy-mid);
}

.service-card__icon {
  width: 36px;
  height: 36px;
  color: var(--gold);
  margin-bottom: var(--sp-lg);
}

.service-card__icon svg {
  width: 100%;
  height: 100%;
}

.service-card__title {
  font-family: var(--font-heading);
  font-size: 1.3rem;
  color: var(--ivory);
  margin-bottom: var(--sp-sm);
}

.service-card__text {
  font-size: 0.92rem;
  color: rgba(246, 241, 234, 0.5);
  line-height: 1.7;
}

/* Process */
.process {
  background: var(--ivory);
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
}

.process__steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--sp-xl);
  margin-top: var(--sp-2xl);
}

.process__step {
  position: relative;
  padding-left: var(--sp-lg);
  border-left: 1px solid var(--border-light);
}

.process__step-number {
  font-family: var(--font-heading);
  font-size: 2.5rem;
  font-weight: 300;
  color: var(--gold-light);
  line-height: 1;
  margin-bottom: var(--sp-sm);
}

.process__step h4 {
  margin-bottom: var(--sp-sm);
}

.process__step p {
  font-size: 0.92rem;
  color: var(--slate);
}

/* Credentials / Trust */
.trust {
  background: var(--cream);
  border-bottom: 1px solid var(--border-light);
}

.trust__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--border-light);
  border: 1px solid var(--border-light);
  margin-top: var(--sp-2xl);
}

.trust__item {
  background: var(--cream);
  padding: var(--sp-xl) var(--sp-lg);
  text-align: center;
}

.trust__item-value {
  font-family: var(--font-heading);
  font-size: 2.4rem;
  font-weight: 500;
  color: var(--navy);
  line-height: 1;
}

.trust__item-label {
  font-size: 0.78rem;
  color: var(--slate);
  letter-spacing: 0.05em;
  margin-top: 0.5rem;
}

/* CTA Banner */
.cta-banner {
  background: var(--navy-deep);
  border-top: 1px solid var(--border-dark);
  border-bottom: 1px solid var(--border-dark);
  padding: var(--sp-2xl) 0;
}

.cta-banner__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--sp-xl);
}

.cta-banner h2 { color: var(--ivory); }
.cta-banner p { color: rgba(246, 241, 234, 0.5); }

/* --- Insurance Education Page --- */
.edu {
  background: var(--cream);
}

.edu__hero {
  background: var(--navy);
  padding: calc(var(--nav-height) + var(--sp-2xl)) 0 var(--sp-2xl);
  margin-bottom: var(--sp-3xl);
}

.edu__hero h1 { color: var(--ivory); }
.edu__hero p { color: rgba(246, 241, 234, 0.55); }

.edu__grid {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: var(--sp-2xl);
}

.edu__sidebar {
  position: sticky;
  top: calc(var(--nav-height) + var(--sp-lg));
  align-self: start;
}

.edu__nav {
  list-style: none;
  border-left: 1px solid var(--border-light);
}

.edu__nav li {
  border-bottom: 1px solid var(--border-light);
}

.edu__nav a {
  display: block;
  padding: 0.75rem var(--sp-md);
  font-size: 0.88rem;
  color: var(--slate);
  transition: all 0.2s;
  border-left: 2px solid transparent;
  margin-left: -1px;
}

.edu__nav a:hover,
.edu__nav a.active {
  color: var(--navy);
  border-left-color: var(--gold);
  background: rgba(180, 154, 110, 0.05);
}

.edu__content {
  max-width: 720px;
}

.edu__section {
  margin-bottom: var(--sp-3xl);
  padding-bottom: var(--sp-2xl);
  border-bottom: 1px solid var(--border-light);
}

.edu__section:last-child {
  border-bottom: none;
}

.edu__section h2 {
  margin-bottom: var(--sp-md);
}

.edu__section h3 {
  margin-top: var(--sp-xl);
  margin-bottom: var(--sp-sm);
}

.edu__section p {
  color: var(--slate);
  margin-bottom: var(--sp-md);
}

.edu__section ul {
  color: var(--slate);
  margin-bottom: var(--sp-md);
  padding-left: var(--sp-lg);
}

.edu__section li {
  margin-bottom: var(--sp-sm);
  font-size: 0.95rem;
}

.edu__callout {
  background: var(--ivory);
  border: 1px solid var(--border-light);
  border-left: 3px solid var(--gold);
  padding: var(--sp-lg);
  margin: var(--sp-lg) 0;
}

.edu__callout p {
  font-size: 0.92rem;
  margin: 0;
}

.edu__comparison {
  width: 100%;
  border-collapse: collapse;
  margin: var(--sp-lg) 0;
  font-size: 0.9rem;
}

.edu__comparison th {
  background: var(--navy);
  color: var(--ivory);
  padding: 0.75rem 1rem;
  text-align: left;
  font-weight: 500;
  font-size: 0.8rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.edu__comparison td {
  padding: 0.75rem 1rem;
  border-bottom: 1px solid var(--border-light);
  color: var(--slate);
}

.edu__comparison tr:nth-child(even) td {
  background: var(--ivory);
}

/* --- Client Intake Form --- */
.intake {
  background: var(--cream);
  min-height: 100vh;
}

.intake__hero {
  background: var(--navy);
  padding: calc(var(--nav-height) + var(--sp-2xl)) 0 var(--sp-2xl);
  margin-bottom: var(--sp-2xl);
}

.intake__hero h1 { color: var(--ivory); }
.intake__hero p { color: rgba(246, 241, 234, 0.55); }

.intake__wrapper {
  max-width: 780px;
  margin: 0 auto;
  padding: 0 var(--sp-lg);
  padding-bottom: var(--sp-3xl);
}

/* Progress bar */
.intake__progress {
  display: flex;
  align-items: center;
  margin-bottom: var(--sp-2xl);
  position: relative;
  scroll-margin-top: calc(var(--nav-height) + var(--sp-md));
}

.intake__progress-step {
  flex: 1;
  text-align: center;
  position: relative;
}

.intake__progress-dot {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: 2px solid var(--border-light);
  background: var(--cream);
  margin: 0 auto var(--sp-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: 0.9rem;
  color: var(--slate);
  position: relative;
  z-index: 2;
  transition: all 0.3s;
}

.intake__progress-step--active .intake__progress-dot {
  border-color: var(--gold);
  color: var(--gold);
  background: var(--cream);
}

.intake__progress-step--complete .intake__progress-dot {
  border-color: var(--navy);
  background: var(--navy);
  color: var(--ivory);
}

.intake__progress-label {
  font-size: 0.68rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--slate);
}

.intake__progress-step--active .intake__progress-label {
  color: var(--navy);
  font-weight: 600;
}

.intake__progress-line {
  position: absolute;
  top: 15px;
  left: 16%;
  right: 16%;
  height: 1px;
  background: var(--border-light);
  z-index: 1;
}

/* Form panels */
.intake__panel {
  display: none;
  animation: fadeIn 0.4s ease;
}

.intake__panel--active {
  display: block;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(12px); }
  to { opacity: 1; transform: translateY(0); }
}

.intake__panel-title {
  margin-bottom: var(--sp-sm);
}

.intake__panel-subtitle {
  color: var(--slate);
  font-size: 0.95rem;
  margin-bottom: var(--sp-xl);
}

/* Form elements */
.form-group {
  margin-bottom: var(--sp-lg);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--sp-md);
}

.form-row--three {
  grid-template-columns: 1fr 1fr 1fr;
}

.form-label {
  display: block;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--charcoal);
  margin-bottom: 0.4rem;
}

.form-input,
.form-select,
.form-textarea {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1px solid var(--border-light);
  background: var(--white);
  color: var(--charcoal);
  font-size: 0.95rem;
  transition: border-color 0.2s;
  outline: none;
  border-radius: 0;
  -webkit-appearance: none;
}

.form-input:focus,
.form-select:focus,
.form-textarea:focus {
  border-color: var(--gold);
}

.form-input::placeholder {
  color: #B0A898;
}

.form-select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%235A6475' stroke-width='1.5' fill='none'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  padding-right: 2.5rem;
}

.form-textarea {
  min-height: 100px;
  resize: vertical;
}

/* Checkbox / Radio groups */
.form-check-group {
  display: flex;
  flex-direction: column;
  gap: var(--sp-sm);
}

.form-check {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  cursor: pointer;
  padding: 0.6rem 0.8rem;
  border: 1px solid transparent;
  transition: all 0.2s;
}

.form-check:hover {
  background: var(--ivory);
}

.form-check input[type="checkbox"],
.form-check input[type="radio"] {
  width: 18px;
  height: 18px;
  margin-top: 2px;
  accent-color: var(--navy);
  flex-shrink: 0;
}

.form-check__label {
  font-size: 0.95rem;
  color: var(--charcoal);
  line-height: 1.4;
}

.form-check__sublabel {
  font-size: 0.82rem;
  color: var(--slate);
  margin-top: 2px;
}

/* Card-style selection (for insurance types, etc.) */
.card-select-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--sp-md);
}

.card-select {
  border: 1px solid var(--border-light);
  padding: var(--sp-md) var(--sp-lg);
  background: var(--white);
  cursor: pointer;
  transition: all 0.2s;
  position: relative;
}

.card-select:hover {
  border-color: var(--gold-light);
}

.card-select--selected {
  border-color: var(--navy);
  background: rgba(11, 26, 46, 0.03);
}

.card-select--selected::after {
  content: '\2713';
  position: absolute;
  top: 0.6rem;
  right: 0.8rem;
  color: var(--navy);
  font-size: 0.9rem;
  font-weight: 700;
}

.card-select__title {
  font-family: var(--font-heading);
  font-size: 1.1rem;
  color: var(--navy);
  margin-bottom: 0.25rem;
}

.card-select__desc {
  font-size: 0.82rem;
  color: var(--slate);
  line-height: 1.5;
}

/* Branching sub-sections */
.form-branch {
  display: none;
  margin-top: var(--sp-md);
  padding: var(--sp-lg);
  background: var(--ivory);
  border: 1px solid var(--border-light);
  border-left: 3px solid var(--gold);
  animation: fadeIn 0.3s ease;
}

.form-branch--visible {
  display: block;
}

.form-branch__title {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: var(--sp-md);
  letter-spacing: 0.03em;
}

/* Navigation buttons */
.intake__nav {
  display: flex;
  justify-content: space-between;
  margin-top: var(--sp-2xl);
  padding-top: var(--sp-lg);
  border-top: 1px solid var(--border-light);
}

.intake__nav .btn {
  min-width: 160px;
}

/* --- Summary / Recommendations --- */
.summary {
  animation: fadeIn 0.5s ease;
}

.summary__header {
  text-align: center;
  margin-bottom: var(--sp-2xl);
  padding-bottom: var(--sp-xl);
  border-bottom: 1px solid var(--border-light);
}

.summary__header h2 {
  margin-bottom: var(--sp-sm);
}

.summary__section {
  margin-bottom: var(--sp-xl);
}

.summary__section h3 {
  margin-bottom: var(--sp-md);
  padding-bottom: var(--sp-sm);
  border-bottom: 1px solid var(--border-light);
}

.recommendation-card {
  border: 1px solid var(--border-light);
  padding: var(--sp-lg);
  margin-bottom: var(--sp-md);
  background: var(--white);
}

.recommendation-card__header {
  display: flex;
  align-items: center;
  gap: var(--sp-md);
  margin-bottom: var(--sp-sm);
}

.recommendation-card__priority {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 0.25rem 0.6rem;
  border: 1px solid;
}

.recommendation-card__priority--high {
  color: var(--navy);
  border-color: var(--navy);
  background: rgba(11, 26, 46, 0.05);
}

.recommendation-card__priority--medium {
  color: var(--gold-muted);
  border-color: var(--gold-muted);
  background: rgba(180, 154, 110, 0.05);
}

.recommendation-card__priority--low {
  color: var(--slate);
  border-color: var(--border-light);
}

.recommendation-card__title {
  font-family: var(--font-heading);
  font-size: 1.2rem;
  color: var(--navy);
}

.recommendation-card__text {
  font-size: 0.92rem;
  color: var(--slate);
  line-height: 1.7;
}

.summary__next-steps {
  background: var(--navy);
  padding: var(--sp-xl);
  color: var(--ivory);
  margin-top: var(--sp-xl);
}

.summary__next-steps h3 {
  color: var(--ivory);
  border-bottom-color: var(--border-dark);
}

.summary__next-steps ol {
  padding-left: var(--sp-lg);
  color: rgba(246, 241, 234, 0.7);
}

.summary__next-steps li {
  margin-bottom: var(--sp-sm);
  font-size: 0.95rem;
}

/* --- Contact Section --- */
.contact {
  background: var(--ivory);
  border-top: 1px solid var(--border-light);
}

.contact__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--sp-3xl);
}

.contact__info h3 {
  margin-bottom: var(--sp-md);
}

.contact__info p {
  color: var(--slate);
  margin-bottom: var(--sp-md);
}

.contact__detail {
  display: flex;
  align-items: flex-start;
  gap: var(--sp-md);
  margin-bottom: var(--sp-md);
}

.contact__detail-icon {
  color: var(--gold);
  font-size: 1rem;
  margin-top: 3px;
}

.contact__detail-text {
  font-size: 0.95rem;
  color: var(--charcoal);
}

.contact__detail-label {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--slate);
  margin-bottom: 0.2rem;
}

/* --- Footer --- */
.footer {
  background: var(--navy-deep);
  color: rgba(246, 241, 234, 0.4);
  padding: var(--sp-2xl) 0 var(--sp-xl);
  border-top: 1px solid var(--border-dark);
}

.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: var(--sp-2xl);
  margin-bottom: var(--sp-2xl);
}

.footer__brand {
  max-width: 360px;
}

.footer__logo-icon {
  width: auto;
  height: 44px;
  color: rgba(246, 241, 234, 0.5);
  margin-bottom: var(--sp-md);
}

.footer__brand-name {
  font-family: var(--font-heading);
  font-size: 1.3rem;
  color: var(--ivory);
  margin-bottom: var(--sp-sm);
}

.footer__brand p {
  font-size: 0.88rem;
  line-height: 1.7;
}

.footer__col-title {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: var(--sp-md);
}

.footer__links {
  list-style: none;
}

.footer__links li {
  margin-bottom: var(--sp-sm);
}

.footer__links a {
  font-size: 0.88rem;
  color: rgba(246, 241, 234, 0.5);
  transition: color 0.2s;
}

.footer__links a:hover {
  color: var(--ivory);
}

.footer__bottom {
  border-top: 1px solid rgba(246, 241, 234, 0.08);
  padding-top: var(--sp-lg);
}

.footer__disclaimer {
  font-size: 0.78rem;
  line-height: 1.7;
  color: rgba(246, 241, 234, 0.3);
  max-width: 800px;
}

.footer__copyright {
  font-size: 0.78rem;
  margin-top: var(--sp-md);
  color: rgba(246, 241, 234, 0.25);
}

/* --- Page Visibility --- */
.page {
  display: none;
  width: 100%;
}

.page--active {
  display: block;
}

/* --- Responsive --- */

/* Tablet landscape */
@media (max-width: 1024px) {
  .services__grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .trust__grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .process__steps {
    grid-template-columns: 1fr;
    gap: var(--sp-lg);
  }
  .edu__grid {
    grid-template-columns: 1fr;
  }
  .edu__sidebar {
    position: static;
  }
  .edu__nav {
    display: flex;
    flex-wrap: wrap;
    border-left: none;
    border-bottom: 1px solid var(--border-light);
    margin-bottom: var(--sp-xl);
  }
  .edu__nav li {
    border-bottom: none;
  }
  .edu__nav a {
    border-left: none;
    border-bottom: 2px solid transparent;
    padding: 0.5rem 0.75rem;
    font-size: 0.8rem;
  }
  .edu__nav a:hover,
  .edu__nav a.active {
    border-left-color: transparent;
    border-bottom-color: var(--gold);
  }
  .nav__links {
    gap: var(--sp-md);
  }
  .nav__link {
    font-size: 0.68rem;
    letter-spacing: 0.06em;
  }
  .nav__cta {
    font-size: 0.65rem;
    padding: 0.5rem 1rem;
  }
  .nav__logo-mark {
    font-size: 1.1rem;
  }
}

/* Tablet portrait + Mobile */
@media (max-width: 768px) {
  :root {
    --sp-3xl: 4rem;
    --sp-2xl: 3rem;
    --nav-height: 64px;
  }

  .container {
    padding: 0 var(--sp-md);
  }

  /* Nav: show hamburger, hide desktop links */
  .nav__links { display: none; }
  .nav__cta--desktop { display: none; }
  .nav__hamburger { display: flex; }

  .nav__logo-icon {
    height: 34px;
  }

  .nav__logo-mark {
    font-size: 1.05rem;
  }

  /* Mobile menu */
  .nav__mobile-menu {
    display: none;
    position: fixed;
    top: var(--nav-height);
    left: 0;
    right: 0;
    bottom: 0;
    background: var(--navy-deep);
    z-index: 999;
    padding: var(--sp-xl) var(--sp-lg);
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
  }

  .nav__mobile-menu--open {
    display: flex;
    flex-direction: column;
    gap: var(--sp-sm);
  }

  .nav__mobile-link {
    font-family: var(--font-heading);
    font-size: 1.6rem;
    color: var(--ivory);
    padding: 0.75rem 0;
    border-bottom: 1px solid var(--border-dark);
    display: block;
  }

  /* Hero */
  .hero {
    min-height: auto;
    padding: 0;
    flex-direction: column;
    align-items: stretch;
  }

  .hero__content {
    padding: calc(var(--nav-height) + var(--sp-lg)) var(--sp-md) var(--sp-lg);
  }

  .hero__eyebrow {
    font-size: 0.62rem;
    margin-bottom: var(--sp-md);
  }

  .hero__title {
    font-size: clamp(1.8rem, 7vw, 2.6rem);
  }

  .hero__subtitle {
    font-size: 0.95rem;
  }

  /* Stat bar: make it flow naturally instead of absolute positioned */
  .hero__stat-bar {
    position: relative;
    bottom: auto;
    background: var(--navy-deep);
    backdrop-filter: none;
    border-top: 1px solid rgba(180, 154, 110, 0.12);
  }

  .hero__stats {
    flex-direction: column;
    gap: 0;
    padding: var(--sp-md) var(--sp-lg);
  }

  .hero__stat {
    flex-direction: row;
    align-items: baseline;
    gap: var(--sp-md);
    padding: 0.65rem 0;
    border-bottom: 1px solid rgba(180, 154, 110, 0.08);
  }

  .hero__stat:last-child {
    border-bottom: none;
  }

  .hero__stat-number {
    font-size: 1rem;
    min-width: 110px;
    color: var(--gold-light);
  }

  .hero__stat-label {
    font-size: 0.6rem;
    margin-top: 0;
    color: rgba(246, 241, 234, 0.4);
  }

  /* About */
  .about__grid {
    grid-template-columns: 1fr;
    gap: var(--sp-xl);
  }

  .about__image-frame {
    aspect-ratio: 16/9;
    order: -1;
  }

  .about__content {
    max-width: 100%;
  }

  /* Services */
  .services__grid {
    grid-template-columns: 1fr;
  }

  .service-card {
    padding: var(--sp-lg);
  }

  .services__header {
    margin-bottom: var(--sp-lg);
  }

  /* Process */
  .process__steps {
    grid-template-columns: 1fr;
    gap: var(--sp-md);
  }

  .process__step {
    padding: var(--sp-md) 0 var(--sp-md) var(--sp-md);
  }

  /* Trust */
  .trust__grid {
    grid-template-columns: 1fr 1fr;
  }

  .trust__item {
    padding: var(--sp-md);
  }

  .trust__item-value {
    font-size: 1.8rem;
  }

  /* CTA Banner */
  .cta-banner__inner {
    flex-direction: column;
    text-align: center;
    gap: var(--sp-lg);
  }

  .cta-banner {
    padding: var(--sp-xl) 0;
  }

  /* Contact */
  .contact__grid {
    grid-template-columns: 1fr;
    gap: var(--sp-xl);
  }

  /* Footer */
  .footer__grid {
    grid-template-columns: 1fr;
    gap: var(--sp-xl);
  }

  .footer__brand {
    max-width: 100%;
  }

  /* Education page */
  .edu__hero {
    padding: var(--sp-2xl) 0;
    margin-bottom: var(--sp-xl);
  }

  .edu__section {
    margin-bottom: var(--sp-xl);
    padding-bottom: var(--sp-lg);
  }

  .edu__comparison {
    font-size: 0.78rem;
    display: block;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
  }

  .edu__comparison th,
  .edu__comparison td {
    padding: 0.5rem 0.6rem;
    white-space: nowrap;
  }

  /* Intake form */
  .intake__hero {
    padding: var(--sp-xl) 0;
    margin-bottom: var(--sp-lg);
  }

  .intake__wrapper {
    padding: 0 var(--sp-md);
    padding-bottom: var(--sp-2xl);
  }

  .intake__progress {
    margin-bottom: var(--sp-lg);
  }

  .intake__progress-label {
    display: none;
  }

  .intake__progress-dot {
    width: 28px;
    height: 28px;
    font-size: 0.8rem;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .form-row--three {
    grid-template-columns: 1fr;
  }

  .card-select-grid {
    grid-template-columns: 1fr;
  }

  .form-branch {
    padding: var(--sp-md);
  }

  .intake__nav {
    gap: var(--sp-sm);
  }

  .intake__nav .btn {
    min-width: 0;
    flex: 1;
    padding: 0.75rem 1rem;
    font-size: 0.72rem;
  }

  /* Recommendation cards */
  .recommendation-card {
    padding: var(--sp-md);
  }

  .recommendation-card__header {
    flex-direction: column;
    align-items: flex-start;
    gap: var(--sp-sm);
  }

  .summary__next-steps {
    padding: var(--sp-lg);
  }

  /* Buttons */
  .btn {
    padding: 0.75rem 1.5rem;
    font-size: 0.72rem;
  }
}

/* Small phones */
@media (max-width: 480px) {
  :root {
    --sp-3xl: 3rem;
    --sp-2xl: 2rem;
  }

  .hero__title {
    font-size: 1.7rem;
  }

  .hero__stat-number {
    font-size: 1rem;
    min-width: 90px;
  }

  .trust__grid {
    grid-template-columns: 1fr;
  }

  .trust__item-value {
    font-size: 1.5rem;
  }

  .hero__actions {
    flex-direction: column;
    width: 100%;
  }

  .hero__actions .btn {
    width: 100%;
    text-align: center;
  }

  .nav__logo-icon {
    height: 30px;
  }

  .nav__logo-mark {
    font-size: 0.9rem;
  }

  .edu__nav {
    gap: 0;
  }

  .edu__nav a {
    padding: 0.4rem 0.5rem;
    font-size: 0.72rem;
  }

  .form-input,
  .form-select,
  .form-textarea {
    padding: 0.65rem 0.75rem;
    font-size: 0.9rem;
  }

  .form-label {
    font-size: 0.72rem;
  }

  .card-select {
    padding: var(--sp-sm) var(--sp-md);
  }

  .card-select__title {
    font-size: 1rem;
  }

  .card-select__desc {
    font-size: 0.78rem;
  }
}

/* Touch-friendly tap targets */
@media (hover: none) and (pointer: coarse) {
  .form-check {
    min-height: 44px;
    padding: 0.75rem;
  }

  .form-check input[type="checkbox"],
  .form-check input[type="radio"] {
    width: 22px;
    height: 22px;
  }

  .card-select {
    padding: var(--sp-md);
  }

  .btn {
    min-height: 44px;
  }

  .nav__hamburger {
    padding: 8px;
    min-width: 44px;
    min-height: 44px;
    align-items: center;
    justify-content: center;
  }

  .edu__nav a {
    min-height: 44px;
    display: flex;
    align-items: center;
  }

  .footer__links a {
    display: inline-block;
    padding: 0.3rem 0;
    min-height: 44px;
    line-height: 44px;
  }
}