/* ─── RESET & BASE ─────────────────────────────────────────────────── */
    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    html { scroll-behavior: smooth; font-size: 16px; }
    body {
      font-family: 'Inter', system-ui, -apple-system, sans-serif;
      color: #1a1a2e;
      background: #fff;
      line-height: 1.6;
      -webkit-font-smoothing: antialiased;
      overflow-x: hidden;
    }

    /* ─── COLOR TOKENS ─────────────────────────────────────────────────── */
    :root {
      --navy:       #002B6D;
      --navy-dark:  #001A44;
      --navy-mid:   #003087;
      --navy-light: #0047AB;
      --silver:     #9AA4B8;
      --silver-light: #C8D0DE;
      --white:      #FFFFFF;
      --off-white:  #F4F6FA;
      --cream:      #FAFBFD;
      --text:       #1a1a2e;
      --text-muted: #5a6478;
      --text-light: #7a8494;
      --border:     #DDE3EE;
      --border-light:#EEF1F6;
      --accent:     #1B6FE3;
      --accent-light:#E8F0FE;
      --success:    #0F8B5C;
      --shadow-sm:  0 1px 3px rgba(0,27,68,0.06);
      --shadow-md:  0 4px 16px rgba(0,27,68,0.08);
      --shadow-lg:  0 8px 32px rgba(0,27,68,0.12);
      --shadow-xl:  0 16px 48px rgba(0,27,68,0.16);
      --radius-sm:  6px;
      --radius-md:  10px;
      --radius-lg:  16px;
      --radius-xl:  24px;
      --transition: 0.25s cubic-bezier(0.4, 0, 0.2, 1);
    }

    /* ─── TYPOGRAPHY ───────────────────────────────────────────────────── */
    h1, h2, h3, h4, h5 { font-family: 'Playfair Display', serif; line-height: 1.2; color: var(--navy-dark); }
    h1 { font-size: clamp(2.2rem, 5vw, 3.5rem); font-weight: 700; }
    h2 { font-size: clamp(1.6rem, 3.5vw, 2.5rem); font-weight: 600; }
    h3 { font-size: clamp(1.1rem, 2vw, 1.4rem); font-weight: 600; }
    p  { font-size: 1rem; line-height: 1.75; color: var(--text-muted); }
    a  { color: var(--accent); text-decoration: none; transition: color var(--transition); }
    a:hover { color: var(--navy-mid); }

    /* ─── LAYOUT ───────────────────────────────────────────────────────── */
    .container { max-width: 1180px; margin: 0 auto; padding: 0 2rem; }
    .section { padding: 96px 0; }
    .section--alt { background: var(--off-white); }
    .section--dark { background: var(--navy-dark); color: var(--white); }
    .section--navy { background: var(--navy); color: var(--white); }

    .grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: start; }
    .grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
    .grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
    @media (max-width: 900px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }
    @media (min-width: 901px) and (max-width: 1100px) { .grid-4 { grid-template-columns: repeat(2, 1fr); } }

    /* ─── OVERLINE LABEL ──────────────────────────────────────────────── */
    .label {
      display: inline-block;
      font-family: 'Inter', sans-serif;
      font-size: 0.72rem;
      font-weight: 700;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      color: var(--silver);
      margin-bottom: 0.75rem;
    }
    .label--light { color: var(--silver-light); }
    .label--accent { color: var(--accent); }

    .divider { width: 48px; height: 3px; background: var(--silver); margin: 1rem 0 1.75rem; border-radius: 2px; }
    .divider--center { margin-left: auto; margin-right: auto; }
    .divider--light { background: var(--silver-light); }

    .section-header { margin-bottom: 3.5rem; }
    .section-header h2 { margin-bottom: 0; }
    .section-header p { max-width: 580px; margin-top: 1rem; }
    .section-header--center { text-align: center; }
    .section-header--center p { margin: 1rem auto 0; }

    /* ─── BUTTONS ──────────────────────────────────────────────────────── */
    .btn {
      display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
      padding: 0.85rem 2rem;
      font-family: 'Inter', sans-serif;
      font-size: 0.9rem;
      font-weight: 600;
      border-radius: var(--radius-sm);
      text-decoration: none;
      transition: all var(--transition);
      cursor: pointer;
      border: none;
      line-height: 1;
    }
    .btn--primary { background: var(--navy); color: var(--white); }
    .btn--primary:hover { background: var(--navy-mid); color: var(--white); transform: translateY(-1px); box-shadow: var(--shadow-md); }
    .btn--secondary { background: var(--silver); color: var(--navy-dark); }
    .btn--secondary:hover { background: var(--silver-light); color: var(--navy-dark); }
    .btn--outline { background: transparent; border: 2px solid rgba(255,255,255,0.5); color: var(--white); }
    .btn--outline:hover { background: rgba(255,255,255,0.1); border-color: var(--white); color: var(--white); }
    .btn--outline-dark { background: transparent; border: 2px solid var(--navy); color: var(--navy); }
    .btn--outline-dark:hover { background: var(--navy); color: var(--white); }
    .btn--ghost { background: transparent; color: var(--navy); padding: 0.85rem 1rem; }
    .btn--ghost:hover { background: rgba(0,43,109,0.05); }
    .btn--sm { padding: 0.6rem 1.25rem; font-size: 0.82rem; }
    .btn--lg { padding: 1rem 2.5rem; font-size: 1rem; }

    /* ─── NAVIGATION ───────────────────────────────────────────────────── */
    .nav {
      position: fixed; top: 0; left: 0; right: 0;
      z-index: 1000;
      background: rgba(0,26,68,0.97);
      backdrop-filter: blur(12px);
      -webkit-backdrop-filter: blur(12px);
      border-bottom: 1px solid rgba(255,255,255,0.06);
      transition: box-shadow var(--transition);
    }
    .nav--scrolled { box-shadow: 0 4px 20px rgba(0,0,0,0.2); }
    .nav__inner {
      display: flex; align-items: center; justify-content: space-between;
      height: 80px;
      max-width: 1180px;
      margin: 0 auto;
      padding: 0 2rem;
    }
    .nav__logo {
      display: flex; align-items: center; gap: 0.85rem;
      text-decoration: none;
      flex-shrink: 0;
    }
    .nav__logo-img {
      height: 56px;
      width: auto;
      border-radius: 4px;
      filter: drop-shadow(0 1px 4px rgba(0,0,0,0.3));
    }
    .nav__logo-text {
      display: flex; flex-direction: column; line-height: 1.15;
    }
    .nav__logo-text span:first-child {
      font-family: 'Playfair Display', serif;
      font-size: 1.25rem;
      font-weight: 700;
      letter-spacing: 0.05em;
      color: #fff;
    }
    .nav__logo-text span:last-child {
      font-family: 'Inter', sans-serif;
      font-size: 0.65rem;
      font-weight: 500;
      letter-spacing: 0.2em;
      color: rgba(200,208,222,0.85);
      text-transform: uppercase;
    }

    /* ─── DROPDOWN MENUS ──────────────────────────────────────────────── */
    .nav__links {
      display: flex; align-items: center; gap: 0.1rem;
      list-style: none;
    }
    .nav__links > li { position: relative; }
    .nav__links > li > a {
      font-size: 0.84rem;
      font-weight: 500;
      color: rgba(255,255,255,0.75);
      text-decoration: none;
      padding: 0.5rem 0.8rem;
      border-radius: var(--radius-sm);
      transition: all var(--transition);
      white-space: nowrap;
      display: flex; align-items: center; gap: 0.3rem;
    }
    .nav__links > li > a:hover { color: #fff; background: rgba(255,255,255,0.08); }
    .nav__links > li > a.active { color: var(--silver-light); }

    /* Dropdown arrow for items with submenus */
    .nav__has-dropdown > a::after {
      content: '';
      display: inline-block;
      width: 0; height: 0;
      border-left: 4px solid transparent;
      border-right: 4px solid transparent;
      border-top: 4px solid currentColor;
      opacity: 0.6;
      transition: transform var(--transition);
      margin-left: 2px;
    }
    .nav__has-dropdown:hover > a::after { transform: rotate(180deg); }

    /* Dropdown panel */
    .nav__dropdown {
      position: absolute;
      top: 100%;
      left: 50%;
      transform: translateX(-50%) translateY(8px);
      min-width: 240px;
      background: var(--navy-dark);
      border: 1px solid rgba(255,255,255,0.1);
      border-radius: var(--radius-md);
      padding: 0.6rem 0;
      opacity: 0;
      visibility: hidden;
      pointer-events: none;
      transition: all 0.2s ease;
      box-shadow: 0 12px 40px rgba(0,0,0,0.4);
      z-index: 1001;
      list-style: none;
    }
    .nav__dropdown::before {
      content: '';
      position: absolute;
      top: -8px; left: 0; right: 0;
      height: 8px;
    }
    .nav__has-dropdown:hover .nav__dropdown {
      opacity: 1;
      visibility: visible;
      pointer-events: auto;
      transform: translateX(-50%) translateY(0);
    }
    .nav__dropdown li a {
      display: flex; align-items: center; gap: 0.75rem;
      padding: 0.65rem 1.25rem;
      font-size: 0.84rem;
      font-weight: 500;
      color: rgba(255,255,255,0.7);
      text-decoration: none;
      transition: all var(--transition);
      white-space: nowrap;
    }
    .nav__dropdown li a:hover {
      color: #fff;
      background: rgba(255,255,255,0.07);
    }
    .nav__dropdown li a .nav__dd-icon {
      width: 32px; height: 32px;
      background: rgba(255,255,255,0.06);
      border-radius: var(--radius-sm);
      display: flex; align-items: center; justify-content: center;
      flex-shrink: 0;
    }
    .nav__dropdown li a .nav__dd-desc {
      font-size: 0.72rem;
      color: rgba(255,255,255,0.4);
      font-weight: 400;
      display: block;
      margin-top: 0.1rem;
    }
    .nav__dropdown-divider {
      height: 1px;
      background: rgba(255,255,255,0.08);
      margin: 0.4rem 0;
    }

    .nav__cta { margin-left: 0.75rem; }
    .nav__cta .btn { padding: 0.55rem 1.15rem; font-size: 0.82rem; }

    /* Mobile menu */
    .nav__hamburger {
      display: none;
      flex-direction: column;
      gap: 5px;
      cursor: pointer;
      padding: 0.5rem;
      background: none; border: none;
    }
    .nav__hamburger span {
      display: block; width: 22px; height: 2px;
      background: #fff;
      border-radius: 2px;
      transition: all var(--transition);
    }
    .nav__hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
    .nav__hamburger.open span:nth-child(2) { opacity: 0; }
    .nav__hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

    @media (max-width: 1060px) {
      .nav__hamburger { display: flex; }
      .nav__links {
        position: fixed;
        top: 80px; left: 0; right: 0; bottom: 0;
        flex-direction: column;
        background: var(--navy-dark);
        padding: 1.5rem 2rem 2rem;
        gap: 0.25rem;
        border-bottom: 1px solid rgba(255,255,255,0.08);
        transform: translateY(-120%);
        transition: transform var(--transition);
        z-index: 999;
        overflow-y: auto;
      }
      .nav__links.open { transform: translateY(0); }
      .nav__links > li > a { padding: 0.75rem 1rem; font-size: 0.95rem; width: 100%; }
      .nav__cta { margin-left: 0; margin-top: 0.5rem; width: 100%; }
      .nav__cta .btn { width: 100%; text-align: center; }
      /* Mobile dropdowns: inline expand */
      .nav__has-dropdown > a::after { display: none; }
      .nav__dropdown {
        position: static;
        transform: none;
        opacity: 1;
        visibility: visible;
        pointer-events: auto;
        min-width: auto;
        background: rgba(255,255,255,0.03);
        border: none;
        border-radius: var(--radius-sm);
        box-shadow: none;
        padding: 0.25rem 0 0.25rem 1rem;
        margin-top: 0.25rem;
        display: none;
      }
      .nav__has-dropdown.mobile-open .nav__dropdown { display: block; }
      .nav__dropdown::before { display: none; }
      .nav__dropdown li a { padding: 0.5rem 0.75rem; font-size: 0.88rem; }
    }

    /* ─── PAGES ────────────────────────────────────────────────────────── */
    .page { display: none; padding-top: 80px; }
    .page.active { display: block; }

    /* ─── HERO ─────────────────────────────────────────────────────────── */
    .hero {
      background: linear-gradient(135deg, var(--navy-dark) 0%, #012B6A 55%, #003D99 100%);
      padding: 0;
      position: relative;
      overflow: hidden;
      min-height: 85vh;
      display: flex;
      align-items: center;
    }
    .hero::before {
      content: '';
      position: absolute;
      top: -30%; right: -5%;
      width: 700px; height: 700px;
      background: radial-gradient(circle, rgba(154,164,184,0.1) 0%, transparent 70%);
      pointer-events: none;
    }
    .hero::after {
      content: '';
      position: absolute;
      bottom: 0; left: 0; right: 0;
      height: 4px;
      background: linear-gradient(90deg, var(--silver), var(--silver-light), var(--silver));
    }
    .hero__grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 4rem;
      align-items: center;
      padding: 80px 0;
    }
    @media (max-width: 900px) {
      .hero__grid { grid-template-columns: 1fr; gap: 2.5rem; padding: 60px 0; }
      .hero { min-height: auto; }
    }
    .hero__content { position: relative; z-index: 1; }
    .hero h1 { color: var(--white); margin-bottom: 1.5rem; }
    .hero p { color: rgba(255,255,255,0.78); font-size: 1.1rem; max-width: 540px; margin-bottom: 2.5rem; line-height: 1.8; }
    .hero__btns { display: flex; gap: 1rem; flex-wrap: wrap; }
    .hero__badge {
      margin-top: 2.5rem;
      display: inline-flex; align-items: center; gap: 0.6rem;
      border: 1px solid rgba(154,164,184,0.35);
      border-radius: 30px;
      padding: 0.5rem 1.25rem;
      font-size: 0.78rem;
      color: var(--silver-light);
      letter-spacing: 0.05em;
    }
    .hero__image-placeholder {
      background: rgba(255,255,255,0.06);
      border: 2px dashed rgba(255,255,255,0.15);
      border-radius: var(--radius-lg);
      aspect-ratio: 4/3;
      display: flex;
      flex-direction: column;
      align-items: center;
      justify-content: center;
      gap: 1rem;
      color: rgba(255,255,255,0.35);
      font-size: 0.85rem;
      text-align: center;
      padding: 2rem;
    }
    .hero__image-placeholder svg { opacity: 0.4; }

    /* ─── PAGE HERO (inner pages) ─────────────────────────────────────── */
    .page-hero {
      background: linear-gradient(135deg, var(--navy-dark) 0%, #012B6A 100%);
      padding: 80px 0 72px;
      position: relative;
      overflow: hidden;
    }
    .page-hero::after {
      content: '';
      position: absolute;
      bottom: 0; left: 0; right: 0;
      height: 3px;
      background: linear-gradient(90deg, var(--silver), var(--silver-light), var(--silver));
    }
    .page-hero h1 { color: var(--white); margin-bottom: 0.75rem; }
    .page-hero p { color: rgba(255,255,255,0.72); max-width: 600px; font-size: 1.1rem; }
    .page-hero .divider { background: var(--silver-light); }

    /* ─── CARDS ────────────────────────────────────────────────────────── */
    .card {
      background: var(--white);
      border: 1px solid var(--border);
      border-radius: var(--radius-md);
      padding: 2.25rem 2rem;
      transition: all var(--transition);
    }
    .card:hover {
      box-shadow: var(--shadow-lg);
      transform: translateY(-3px);
      border-color: var(--border-light);
    }
    .card--flat:hover { transform: none; box-shadow: none; }
    .card__icon {
      width: 52px; height: 52px;
      background: var(--navy-dark);
      border-radius: var(--radius-md);
      display: flex; align-items: center; justify-content: center;
      margin-bottom: 1.25rem;
    }
    .card__icon svg { display: block; }
    .card__icon--accent { background: var(--accent-light); }
    .card__icon--navy { background: rgba(0,43,109,0.07); }
    .card h3 { margin-bottom: 0.5rem; }
    .card p { font-size: 0.9rem; line-height: 1.7; }
    .card--dark { background: var(--navy-dark); border-color: rgba(255,255,255,0.08); }
    .card--dark h3 { color: var(--white); }
    .card--dark p { color: rgba(255,255,255,0.7); }
    .card--bordered-top { border-top: 3px solid var(--silver); }

    /* ─── PILLAR CARDS ────────────────────────────────────────────────── */
    .pillars { display: grid; grid-template-columns: repeat(3,1fr); gap: 1.75rem; margin-top: 2.5rem; }
    @media (max-width: 900px) { .pillars { grid-template-columns: 1fr; } }
    @media (min-width: 901px) and (max-width: 1100px) { .pillars { grid-template-columns: repeat(2,1fr); } }

    /* ─── SERVICE CARDS ───────────────────────────────────────────────── */
    .service-card {
      background: var(--white);
      border: 1px solid var(--border);
      border-radius: var(--radius-md);
      padding: 2.25rem 2rem;
      transition: all var(--transition);
    }
    .service-card:hover { box-shadow: var(--shadow-md); }
    .service-card h3 { color: var(--navy-dark); margin-bottom: 1rem; }
    .service-card ul { list-style: none; padding: 0; }
    .service-card ul li {
      font-size: 0.9rem;
      color: var(--text-muted);
      padding: 0.5rem 0;
      border-bottom: 1px solid var(--border-light);
      display: flex; align-items: flex-start; gap: 0.6rem;
    }
    .service-card ul li:last-child { border-bottom: none; }
    .service-card ul li::before { content: '\2014'; color: var(--silver); flex-shrink: 0; }

    /* ─── SERVICE BADGE ───────────────────────────────────────────────── */
    .service-badge {
      display: inline-flex; align-items: center; gap: 0.5rem;
      background: rgba(0,43,109,0.06);
      color: var(--navy-mid);
      font-family: 'Inter', sans-serif;
      font-size: 0.75rem; font-weight: 600;
      letter-spacing: 0.1em; text-transform: uppercase;
      padding: 0.4rem 1rem;
      border-radius: 30px;
      margin-bottom: 0.75rem;
    }

    /* ─── FEATURE ITEMS ───────────────────────────────────────────────── */
    .feature-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 1.25rem; margin-top: 2rem; }
    @media (max-width: 700px) { .feature-grid { grid-template-columns: 1fr; } }
    .feature-item {
      display: flex; gap: 0.85rem;
      padding: 1.25rem 1.5rem;
      background: var(--off-white);
      border-radius: var(--radius-sm);
      border-left: 3px solid var(--silver);
      transition: all var(--transition);
    }
    .feature-item:hover { border-left-color: var(--navy); box-shadow: var(--shadow-sm); }
    .feature-item h4 {
      font-family: 'Inter', sans-serif;
      font-size: 0.88rem;
      font-weight: 600;
      color: var(--navy-dark);
      margin-bottom: 0.3rem;
    }
    .feature-item p { font-size: 0.86rem; }

    /* ─── STATS BAR ───────────────────────────────────────────────────── */
    .stats-bar { background: var(--navy); padding: 56px 0; }
    .stats-bar__inner { display: grid; grid-template-columns: repeat(4, 1fr); gap: 2rem; text-align: center; }
    @media (max-width: 800px) { .stats-bar__inner { grid-template-columns: repeat(2, 1fr); gap: 2rem 1rem; } }
    .stat__num {
      font-family: 'Playfair Display', serif;
      font-size: 2.5rem;
      font-weight: 700;
      color: var(--silver-light);
      display: block;
      margin-bottom: 0.3rem;
    }
    .stat__label { font-size: 0.8rem; color: rgba(255,255,255,0.6); letter-spacing: 0.06em; text-transform: uppercase; }

    /* ─── SERVE TAGS ──────────────────────────────────────────────────── */
    .serve-grid { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-top: 1.5rem; }
    .serve-tag {
      background: var(--navy-dark);
      color: var(--white);
      font-size: 0.85rem;
      font-weight: 500;
      padding: 0.6rem 1.25rem;
      border-radius: 30px;
      transition: all var(--transition);
    }
    .serve-tag:hover { background: var(--navy-mid); transform: translateY(-1px); }

    /* ─── APPROACH STEPS ──────────────────────────────────────────────── */
    .approach-item {
      display: flex; gap: 1rem; margin-bottom: 2rem;
    }
    .approach-item__num {
      width: 40px; height: 40px; flex-shrink: 0;
      background: var(--navy-dark);
      color: var(--silver-light);
      font-family: 'Playfair Display', serif;
      font-size: 1rem; font-weight: 700;
      border-radius: 50%;
      display: flex; align-items: center; justify-content: center;
    }
    .approach-item h3 { font-size: 1rem; color: var(--navy-dark); margin-bottom: 0.35rem; }
    .approach-item p { font-size: 0.9rem; }

    /* ─── CUSTODY CARDS ───────────────────────────────────────────────── */
    .custody-card {
      background: var(--off-white);
      border: 1px solid var(--border);
      border-radius: var(--radius-sm);
      padding: 1.25rem 1.5rem;
      margin-bottom: 1rem;
      display: flex; align-items: center; gap: 1rem;
      transition: all var(--transition);
    }
    .custody-card:hover { box-shadow: var(--shadow-sm); }
    .custody-card__icon {
      width: 44px; height: 44px; flex-shrink: 0;
      background: var(--navy-dark);
      border-radius: var(--radius-sm);
      display: flex; align-items: center; justify-content: center;
      color: var(--silver-light);
      font-size: 1.1rem;
    }
    .custody-card h4 { font-family: 'Inter', sans-serif; font-size: 0.95rem; font-weight: 600; color: var(--navy-dark); margin-bottom: 0.15rem; }
    .custody-card p { font-size: 0.84rem; }

    /* ─── FIDUCIARY BOX ───────────────────────────────────────────────── */
    .fiduciary-box {
      background: var(--navy-dark);
      border-radius: var(--radius-lg);
      padding: 3rem;
      text-align: center;
    }
    .fiduciary-box h2 { color: var(--white); margin-bottom: 1rem; }
    .fiduciary-box p { color: rgba(255,255,255,0.72); max-width: 540px; margin: 0 auto 2rem; }
    .fiduciary-pillars { display: flex; justify-content: center; gap: 1rem; flex-wrap: wrap; }
    .fiduciary-pill {
      border: 1px solid rgba(154,164,184,0.35);
      color: var(--silver-light);
      padding: 0.55rem 1.35rem;
      border-radius: 30px;
      font-size: 0.82rem;
      font-weight: 500;
    }

    /* ─── PHILOSOPHY GRID ─────────────────────────────────────────────── */
    .philosophy-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 1.75rem; margin-top: 2rem; }
    @media (max-width: 900px) { .philosophy-grid { grid-template-columns: 1fr; } }
    .philosophy-item {
      padding: 2rem;
      border: 1px solid var(--border);
      border-radius: var(--radius-md);
      transition: all var(--transition);
    }
    .philosophy-item:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
    .philosophy-item__icon {
      width: 46px; height: 46px;
      background: rgba(0,43,109,0.06);
      border-radius: var(--radius-md);
      display: flex; align-items: center; justify-content: center;
      margin-bottom: 1.25rem;
    }
    .philosophy-item h3 { font-size: 1rem; color: var(--navy-dark); margin-bottom: 0.4rem; }
    .philosophy-item p { font-size: 0.88rem; }

    /* ─── ORIGIN BLOCK ────────────────────────────────────────────────── */
    .origin-block {
      background: var(--navy-dark);
      border-radius: var(--radius-lg);
      padding: 3.5rem;
      color: var(--white);
    }
    .origin-block h2 { color: var(--white); margin-bottom: 1rem; }
    .origin-block p { color: rgba(255,255,255,0.75); max-width: 640px; }

    /* ─── HEADSHOT PLACEHOLDER ─────────────────────────────────────────── */
    .headshot-placeholder {
      background: var(--off-white);
      border: 2px dashed var(--border);
      border-radius: var(--radius-lg);
      aspect-ratio: 3/4;
      max-width: 340px;
      display: flex;
      flex-direction: column;
      align-items: center;
      justify-content: center;
      gap: 0.75rem;
      color: var(--text-light);
      font-size: 0.85rem;
      text-align: center;
      padding: 2rem;
    }

    /* ─── PRICING CARDS ───────────────────────────────────────────────── */
    .pricing-card {
      background: var(--white);
      border: 1px solid var(--border);
      border-radius: var(--radius-md);
      padding: 2.5rem 2rem;
      transition: all var(--transition);
      position: relative;
      overflow: hidden;
    }
    .pricing-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); }
    .pricing-card--featured {
      border-color: var(--navy);
      border-width: 2px;
    }
    .pricing-card--featured::before {
      content: 'Most Popular';
      position: absolute; top: 0; left: 0; right: 0;
      background: var(--navy);
      color: var(--white);
      font-family: 'Inter', sans-serif;
      font-size: 0.72rem;
      font-weight: 600;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      text-align: center;
      padding: 0.4rem;
    }
    .pricing-card--featured { padding-top: 3.5rem; }
    .pricing-card__title {
      font-family: 'Inter', sans-serif;
      font-size: 0.75rem;
      font-weight: 700;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      color: var(--silver);
      margin-bottom: 0.5rem;
    }
    .pricing-card__price {
      font-family: 'Playfair Display', serif;
      font-size: 2.25rem;
      font-weight: 700;
      color: var(--navy-dark);
      margin-bottom: 0.25rem;
    }
    .pricing-card__desc {
      font-size: 0.88rem;
      color: var(--text-muted);
      margin-bottom: 1.5rem;
      padding-bottom: 1.5rem;
      border-bottom: 1px solid var(--border-light);
    }
    .pricing-card ul {
      list-style: none; padding: 0; margin-bottom: 2rem;
    }
    .pricing-card ul li {
      font-size: 0.88rem;
      color: var(--text-muted);
      padding: 0.4rem 0;
      display: flex; align-items: flex-start; gap: 0.6rem;
    }
    .pricing-card ul li::before {
      content: '\2713';
      color: var(--success);
      font-weight: 700;
      flex-shrink: 0;
      margin-top: 0.1rem;
    }

    /* ─── INSURANCE CARDS ─────────────────────────────────────────────── */
    .insurance-card {
      background: var(--white);
      border: 1px solid var(--border);
      border-radius: var(--radius-md);
      padding: 2rem 1.75rem;
      transition: all var(--transition);
    }
    .insurance-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
    .insurance-card__icon {
      width: 48px; height: 48px;
      background: rgba(0,43,109,0.06);
      border-radius: var(--radius-md);
      display: flex; align-items: center; justify-content: center;
      margin-bottom: 1.25rem;
      font-size: 1.5rem;
    }
    .insurance-card h3 { font-size: 1.05rem; color: var(--navy-dark); margin-bottom: 0.5rem; }
    .insurance-card p { font-size: 0.88rem; }

    /* ─── RESOURCE/BLOG CARDS ─────────────────────────────────────────── */
    .resource-card {
      background: var(--white);
      border: 1px solid var(--border);
      border-radius: var(--radius-md);
      overflow: hidden;
      transition: all var(--transition);
    }
    .resource-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
    .resource-card__thumb {
      background: var(--off-white);
      border-bottom: 1px solid var(--border-light);
      aspect-ratio: 16/9;
      display: flex;
      align-items: center;
      justify-content: center;
      color: var(--text-light);
      font-size: 0.82rem;
    }
    .resource-card__body { padding: 1.5rem; }
    .resource-card__tag {
      display: inline-block;
      font-family: 'Inter', sans-serif;
      font-size: 0.68rem;
      font-weight: 600;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      color: var(--accent);
      margin-bottom: 0.5rem;
    }
    .resource-card h3 { font-size: 1.05rem; color: var(--navy-dark); margin-bottom: 0.4rem; }
    .resource-card p { font-size: 0.86rem; }
    .resource-card__link {
      display: inline-flex; align-items: center; gap: 0.35rem;
      font-size: 0.85rem;
      font-weight: 600;
      color: var(--navy);
      margin-top: 1rem;
    }
    .resource-card__link:hover { color: var(--accent); }

    /* ─── COMING SOON BADGE ───────────────────────────────────────────── */
    .coming-soon-badge {
      position: absolute;
      top: 0.75rem;
      right: 0.75rem;
      background: var(--accent);
      color: var(--white);
      font-family: 'Inter', sans-serif;
      font-size: 0.65rem;
      font-weight: 700;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      padding: 0.35rem 0.7rem;
      border-radius: var(--radius-sm);
      box-shadow: 0 2px 8px rgba(0,0,0,0.25);
      z-index: 2;
    }
    .coming-soon-banner {
      background: linear-gradient(135deg, #FFF8E5 0%, #FFF1CC 100%);
      border: 1px solid #F0D78A;
      border-left: 4px solid #C99A1F;
      border-radius: var(--radius-md);
      padding: 1.25rem 1.5rem;
      margin-bottom: 2.5rem;
      display: flex;
      align-items: flex-start;
      gap: 1rem;
    }
    .coming-soon-banner__icon {
      flex-shrink: 0;
      width: 40px; height: 40px;
      background: #C99A1F;
      color: var(--white);
      border-radius: 50%;
      display: flex; align-items: center; justify-content: center;
    }
    .coming-soon-banner h4 {
      font-family: 'Inter', sans-serif;
      font-size: 0.95rem;
      color: #6B4E0F;
      margin-bottom: 0.25rem;
    }
    .coming-soon-banner p {
      font-size: 0.88rem;
      color: #6B4E0F;
      margin: 0;
    }

    /* ─── CTA CARDS ───────────────────────────────────────────────────── */
    .cta-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 1.5rem; }
    @media (max-width: 700px) { .cta-grid { grid-template-columns: 1fr; } }
    .cta-card {
      background: var(--white);
      border: 1px solid var(--border);
      border-top: 3px solid var(--silver);
      border-radius: var(--radius-md);
      padding: 2rem;
      text-align: center;
      transition: all var(--transition);
    }
    .cta-card:hover { box-shadow: var(--shadow-md); }
    .cta-card__icon {
      width: 56px; height: 56px;
      background: rgba(0,43,109,0.06);
      border-radius: var(--radius-md);
      display: flex; align-items: center; justify-content: center;
      margin: 0 auto 1.25rem;
    }
    .cta-card h3 { color: var(--navy-dark); font-size: 1.1rem; margin-bottom: 0.5rem; }
    .cta-card p { font-size: 0.9rem; margin-bottom: 1.5rem; }

    /* ─── CALENDLY EMBED ──────────────────────────────────────────────── */
    .calendly-placeholder {
      background: var(--off-white);
      border: 2px dashed var(--border);
      border-radius: var(--radius-md);
      min-height: 650px;
      display: flex;
      flex-direction: column;
      align-items: center;
      justify-content: center;
      gap: 1rem;
      color: var(--text-light);
      font-size: 0.9rem;
      text-align: center;
      padding: 2rem;
    }
    .calendly-placeholder code {
      background: var(--white);
      border: 1px solid var(--border);
      padding: 0.75rem 1.25rem;
      border-radius: var(--radius-sm);
      font-size: 0.82rem;
      color: var(--navy);
      display: block;
      margin-top: 0.5rem;
      max-width: 500px;
      word-break: break-all;
    }

    /* ─── COMPLIANCE PAGES ────────────────────────────────────────────── */
    .compliance-content {
      max-width: 780px;
      margin: 0 auto;
    }
    .compliance-content h2 { margin-bottom: 1rem; }
    .compliance-content p { margin-bottom: 1rem; }
    .compliance-placeholder {
      background: var(--off-white);
      border: 1px solid var(--border);
      border-radius: var(--radius-md);
      padding: 3rem;
      text-align: center;
    }
    .compliance-placeholder p { font-size: 0.95rem; }

    /* ─── DISCLAIMER ──────────────────────────────────────────────────── */
    .disclaimer {
      background: rgba(0,43,109,0.03);
      border: 1px solid var(--border);
      border-left: 4px solid var(--navy);
      border-radius: var(--radius-sm);
      padding: 1.25rem 1.75rem;
      font-size: 0.86rem;
      color: var(--text-muted);
      margin-top: 2.5rem;
    }
    .disclaimer strong { color: var(--navy-dark); }

    .compliance-note {
      background: var(--off-white);
      border: 1px solid var(--border);
      border-radius: var(--radius-sm);
      padding: 1.5rem 2rem;
      font-size: 0.82rem;
      color: var(--text-muted);
      text-align: center;
      margin-top: 3rem;
      line-height: 1.75;
    }

    /* ─── FOOTER ───────────────────────────────────────────────────────── */
    .footer {
      background: var(--navy-dark);
      border-top: 3px solid var(--silver);
      padding: 64px 0 36px;
      color: rgba(255,255,255,0.65);
    }
    .footer__grid {
      display: grid;
      grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
      gap: 2.5rem;
      margin-bottom: 3rem;
    }
    @media (max-width: 900px) { .footer__grid { grid-template-columns: 1fr 1fr; } }
    @media (max-width: 600px) { .footer__grid { grid-template-columns: 1fr; } }
    .footer__brand { display: flex; align-items: center; gap: 0.6rem; margin-bottom: 1rem; }
    .footer__brand-img { height: 32px; width: auto; border-radius: 3px; }
    .footer__brand-name {
      font-family: 'Playfair Display', serif;
      font-size: 1.05rem;
      font-weight: 700;
      color: var(--white);
    }
    .footer__tagline { font-size: 0.84rem; max-width: 280px; line-height: 1.65; }
    .footer__col h4 {
      font-family: 'Inter', sans-serif;
      font-size: 0.72rem;
      font-weight: 700;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      color: var(--white);
      margin-bottom: 1rem;
    }
    .footer__links { list-style: none; }
    .footer__links li { margin-bottom: 0.6rem; }
    .footer__links a {
      font-size: 0.84rem;
      color: rgba(255,255,255,0.55);
      text-decoration: none;
      transition: color var(--transition);
    }
    .footer__links a:hover { color: var(--silver-light); }
    .footer__bottom {
      border-top: 1px solid rgba(255,255,255,0.08);
      padding-top: 1.5rem;
      display: flex;
      justify-content: space-between;
      align-items: flex-start;
      flex-wrap: wrap;
      gap: 1rem;
    }
    .footer__copy { font-size: 0.78rem; }
    .footer__disc { font-size: 0.72rem; max-width: 580px; text-align: right; line-height: 1.6; }
    .footer__legal-links { display: flex; gap: 1.25rem; margin-top: 0.5rem; }
    .footer__legal-links a { font-size: 0.75rem; color: rgba(255,255,255,0.45); }
    .footer__legal-links a:hover { color: var(--silver-light); }

    /* ─── SCROLL ANIMATIONS ───────────────────────────────────────────── */
    .fade-in {
      opacity: 0;
      transform: translateY(24px);
      transition: opacity 0.6s cubic-bezier(0.4, 0, 0.2, 1), transform 0.6s cubic-bezier(0.4, 0, 0.2, 1);
    }
    .fade-in.visible {
      opacity: 1;
      transform: translateY(0);
    }

    /* ─── SCROLL INDICATOR ────────────────────────────────────────────── */
    .scroll-indicator {
      display: flex;
      flex-direction: column;
      align-items: center;
      gap: 0.5rem;
      margin-top: 2.5rem;
      cursor: pointer;
      color: rgba(255,255,255,0.5);
      transition: color var(--transition);
    }
    .scroll-indicator:hover { color: rgba(255,255,255,0.8); }
    .scroll-indicator__text {
      font-family: 'Inter', sans-serif;
      font-size: 0.72rem;
      font-weight: 600;
      letter-spacing: 0.14em;
      text-transform: uppercase;
    }
    .scroll-indicator__arrow {
      animation: scrollBounce 2s ease-in-out infinite;
    }
    @keyframes scrollBounce {
      0%, 100% { transform: translateY(0); }
      50% { transform: translateY(8px); }
    }

    /* ─── BACK TO TOP ─────────────────────────────────────────────────── */
    .back-to-top {
      position: fixed;
      bottom: 2rem;
      right: 2rem;
      width: 44px; height: 44px;
      background: var(--navy);
      color: var(--white);
      border: none;
      border-radius: 50%;
      cursor: pointer;
      display: flex;
      align-items: center;
      justify-content: center;
      opacity: 0;
      transform: translateY(12px);
      transition: all var(--transition);
      z-index: 900;
      box-shadow: var(--shadow-md);
    }
    .back-to-top.visible { opacity: 1; transform: translateY(0); }
    .back-to-top:hover { background: var(--navy-mid); transform: translateY(-2px); }

    /* ─── UTILITY ──────────────────────────────────────────────────────── */
    .text-center { text-align: center; }
    .mt-1 { margin-top: 0.5rem; }
    .mt-2 { margin-top: 1rem; }
    .mt-3 { margin-top: 1.5rem; }
    .mt-4 { margin-top: 2rem; }
    .mb-3 { margin-bottom: 1.5rem; }

/* Anchor targets clear the fixed nav */
section[id] { scroll-margin-top: 96px; }

/* ─── BLOG CAROUSEL (From the Blog) ───────────────────────────────── */
.blog-carousel__header { display: flex; align-items: flex-end; justify-content: space-between; gap: 1.5rem; margin-bottom: 2.5rem; }
.blog-carousel__nav { display: flex; gap: 0.6rem; flex-shrink: 0; }
.blog-carousel__btn { width: 44px; height: 44px; border-radius: 50%; border: 1px solid var(--border); background: var(--white); color: var(--navy); display: flex; align-items: center; justify-content: center; cursor: pointer; transition: all var(--transition); flex-shrink: 0; }
.blog-carousel__btn:hover:not(:disabled) { background: var(--navy); color: #fff; border-color: var(--navy); transform: translateY(-1px); }
.blog-carousel__btn:disabled { opacity: 0.3; cursor: default; }
.blog-carousel { display: flex; gap: 2rem; overflow-x: auto; scroll-snap-type: x mandatory; scroll-behavior: smooth; padding: 0.5rem 0.25rem 1.25rem; -webkit-overflow-scrolling: touch; scrollbar-width: thin; scrollbar-color: var(--silver) transparent; }
.blog-carousel::-webkit-scrollbar { height: 8px; }
.blog-carousel::-webkit-scrollbar-track { background: var(--off-white); border-radius: 4px; }
.blog-carousel::-webkit-scrollbar-thumb { background: var(--silver); border-radius: 4px; }
.blog-carousel::-webkit-scrollbar-thumb:hover { background: var(--silver-light); }
.blog-carousel > .resource-card { flex: 0 0 auto; width: clamp(260px, 80vw, 340px); scroll-snap-align: start; }
@media (max-width: 700px) { .blog-carousel__nav { display: none; } .blog-carousel__header { margin-bottom: 1.5rem; } }