/* ============================================
   CFGX Universal CSS — Capital Financial Global
   Institutional Design System
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Archivo:wght@700&family=DM+Serif+Display&family=IBM+Plex+Sans:wght@400;500;600;700&display=swap');

/* ---- VARIABLES ---- */
:root {
    --logo-blue: #2e5090;
    --navy: #0a1628;
    --navy-light: #142238;
    --blue-accent: #1e3a5f;
    --gold: #64b5f6;
    --gold-light: #90caf9;
    --cream: #ffffff;
    --white: #ffffff;
    --gray-600: #4a5568;
    --gray-400: #a0aec0;
    --gray-200: #e2e8f0;
    --success: #48bb78;
    --error: #fc8181;
}

/* ---- RESET ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
    font-family: 'IBM Plex Sans', sans-serif;
    background: var(--cream);
    color: var(--navy);
    line-height: 1.7;
    font-size: 17px;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}
img { max-width: 100%; display: block; }
a { color: inherit; }

/* ---- TYPOGRAPHY ---- */
h1, h2, h3, h4 {
    font-family: 'DM Serif Display', serif;
    font-weight: 400;
    line-height: 1.2;
}
h1 { font-size: clamp(2.5rem, 6vw, 4rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.8rem, 4vw, 2.8rem); letter-spacing: -0.01em; }
h3 { font-size: 1.5rem; }
h4 { font-size: 1.25rem; }
p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

/* Two-tone headings: dark bg */
.section-dark h2 span,
.hero h1 span,
.reframe-section h2 span,
.form-section h2 span { color: var(--gold); }

/* Two-tone headings: light bg */
.section-light h2 span,
.section-white h2 span,
h2 span { color: var(--logo-blue); }

/* ---- NAVIGATION ---- */
nav {
    position: fixed; top: 0; left: 0; right: 0; z-index: 100;
    padding: 1rem 4%;
    display: flex; justify-content: space-between; align-items: center;
    background: rgba(10, 22, 40, 0.97);
    backdrop-filter: blur(10px);
}
.nav-left { display: flex; align-items: center; gap: 1rem; }
.logo-box {
    width: 130px; height: 80px;
    background: var(--logo-blue);
    display: flex; justify-content: center; align-items: center;
    padding: 7%; flex-shrink: 0;
    text-decoration: none;
}
.logo-box .logo-text {
    font-family: 'Archivo', sans-serif;
    font-weight: 700; font-size: 15px;
    color: var(--white); text-align: center;
    text-transform: uppercase; line-height: 1.1; letter-spacing: 0.03em;
}
.nav-links { display: flex; align-items: center; gap: 1.5rem; list-style: none; }
.nav-links a {
    color: var(--gray-400); text-decoration: none;
    font-size: 0.85rem; font-weight: 500; transition: color 0.3s;
}
.nav-links a:hover { color: var(--white); }
.nav-right { display: flex; align-items: center; gap: 1.5rem; }
.nav-phone {
    color: var(--gold); text-decoration: none;
    font-weight: 600; font-size: 0.9rem; display: none;
}
@media (min-width: 600px) { .nav-phone { display: block; } }
.nav-cta {
    background: var(--white); color: var(--navy);
    padding: 0.75rem 1.5rem; text-decoration: none;
    font-weight: 600; font-size: 0.9rem; transition: all 0.3s ease;
    border: none; cursor: pointer;
}
.nav-cta:hover { background: var(--gray-200); }

/* Mobile nav */
.nav-toggle { display: none; background: none; border: none; color: var(--white); font-size: 1.5rem; cursor: pointer; }
@media (max-width: 900px) {
    .nav-links { display: none; }
    .nav-toggle { display: block; }
    .nav-links.open {
        display: flex; flex-direction: column;
        position: absolute; top: 100%; left: 0; right: 0;
        background: var(--navy); padding: 1rem 4%;
        border-top: 1px solid var(--blue-accent);
    }
}

/* Sticky Mobile CTA */
.sticky-cta {
    display: none; position: fixed; bottom: 0; left: 0; right: 0;
    background: var(--navy); padding: 1rem; z-index: 99;
    box-shadow: 0 -4px 20px rgba(0,0,0,0.3);
}
.sticky-cta a {
    display: block; background: var(--white); color: var(--navy);
    text-align: center; padding: 1rem; text-decoration: none;
    font-weight: 600; font-size: 1rem;
}
@media (max-width: 768px) {
    .sticky-cta { display: block; }
    body { padding-bottom: 80px; }
}

/* ---- HERO ---- */
.hero {
    min-height: 100vh; background: var(--navy);
    display: flex; align-items: center;
    position: relative; overflow: hidden;
}
.hero::before {
    content: ''; position: absolute; inset: 0;
    background:
        radial-gradient(ellipse at 20% 80%, rgba(30, 58, 95, 0.5) 0%, transparent 50%),
        radial-gradient(ellipse at 80% 20%, rgba(100, 181, 246, 0.15) 0%, transparent 40%);
}
.hero-shapes { position: absolute; inset: 0; overflow: hidden; opacity: 0.08; }
.hero-shapes .shape { position: absolute; border: 2px solid var(--gold); }
.shape-1 { width: 400px; height: 400px; top: -100px; right: -100px; transform: rotate(15deg); }
.shape-2 { width: 300px; height: 300px; bottom: 10%; right: 15%; transform: rotate(-10deg); }
.shape-3 { width: 200px; height: 200px; top: 30%; left: -50px; transform: rotate(25deg); }
.shape-4 { width: 150px; height: 150px; bottom: 20%; left: 10%; transform: rotate(-20deg); border-radius: 50%; }
.hero-content {
    max-width: 900px; margin: 0 auto;
    padding: 8rem 4% 4rem; position: relative; z-index: 1;
}
.hero-eyebrow {
    color: var(--gold); font-size: 0.85rem; font-weight: 600;
    letter-spacing: 0.15em; text-transform: uppercase; margin-bottom: 1.5rem;
    opacity: 0; animation: fadeUp 0.8s ease forwards;
}
.hero h1 {
    color: var(--white); margin-bottom: 1.5rem;
    opacity: 0; animation: fadeUp 0.8s ease 0.1s forwards;
}
.hero h1 span { color: var(--gold); }
.hero-subhead {
    color: var(--gray-400); font-size: 1.25rem;
    max-width: 600px; margin-bottom: 2.5rem;
    opacity: 0; animation: fadeUp 0.8s ease 0.2s forwards;
}
.hero-ctas {
    display: flex; flex-wrap: wrap; gap: 1rem;
    opacity: 0; animation: fadeUp 0.8s ease 0.3s forwards;
}
.hero-cta-primary {
    display: inline-block; background: var(--white); color: var(--navy);
    padding: 1rem 2rem; text-decoration: none;
    font-weight: 600; font-size: 1rem; transition: all 0.3s ease;
}
.hero-cta-primary:hover { background: var(--gray-200); transform: translateY(-2px); }
.hero-cta-secondary {
    display: inline-block; background: transparent; color: var(--white);
    padding: 1rem 2rem; text-decoration: none;
    font-weight: 600; font-size: 1rem; border: 2px solid var(--blue-accent);
    transition: all 0.3s ease;
}
.hero-cta-secondary:hover { border-color: var(--gold); color: var(--gold); }
@keyframes fadeUp {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: translateY(0); }
}

/* ---- TRUST BAR ---- */
.trust-bar {
    background: var(--navy-light);
    border-top: 1px solid var(--blue-accent);
    border-bottom: 1px solid var(--blue-accent);
    padding: 1.5rem 4%;
}
.trust-bar-content {
    max-width: 1100px; margin: 0 auto;
    display: flex; justify-content: center; align-items: center;
    flex-wrap: wrap; gap: 2rem;
}
.trust-stat { text-align: center; }
.trust-stat .number {
    font-family: 'DM Serif Display', serif;
    font-size: 1.75rem; color: var(--gold); line-height: 1;
}
.trust-stat .label {
    font-size: 0.75rem; color: var(--gray-400);
    text-transform: uppercase; letter-spacing: 0.1em; margin-top: 0.25rem;
}
.trust-divider { width: 1px; height: 40px; background: var(--blue-accent); }
@media (max-width: 600px) {
    .trust-divider { display: none; }
    .trust-bar-content { gap: 1.5rem; }
    .trust-stat { flex: 1 1 40%; }
}

/* ---- SECTIONS ---- */
section { padding: 6rem 4%; }
.section-dark { background: var(--navy); color: var(--white); }
.section-light { background: var(--cream); }
.section-white { background: var(--white); }
.container { max-width: 1100px; margin: 0 auto; }
.section-eyebrow {
    color: var(--gold); font-size: 0.8rem; font-weight: 600;
    letter-spacing: 0.15em; text-transform: uppercase; margin-bottom: 1rem;
}

/* ---- CARDS ---- */
.card-grid {
    display: grid; grid-template-columns: repeat(3, 1fr);
    gap: 2rem; margin-top: 3rem;
}
.card {
    background: var(--navy-light); border: 1px solid var(--blue-accent);
    padding: 2.5rem; border-radius: 8px; position: relative;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: 0 12px 40px rgba(0,0,0,0.3); }
.card::before {
    content: ''; position: absolute; top: 0; left: 2rem; right: 2rem;
    height: 3px; background: var(--gold); border-radius: 0 0 3px 3px;
}
.card h3 { color: var(--white); margin-bottom: 1rem; }
.card p { color: var(--gray-400); font-size: 0.95rem; margin-bottom: 1.5rem; }
.card-link {
    color: var(--gold); text-decoration: none; font-weight: 600;
    font-size: 0.9rem; transition: color 0.3s;
}
.card-link:hover { color: var(--gold-light); }

/* Light cards */
.card-light {
    background: var(--white); border: 1px solid var(--gray-200);
}
.card-light h3 { color: var(--navy); }
.card-light p { color: var(--gray-600); }
.card-light .card-link { color: var(--logo-blue); }

@media (max-width: 768px) {
    .card-grid { grid-template-columns: 1fr; }
}

/* ---- STATS BAR ---- */
.stats-bar {
    display: grid; grid-template-columns: repeat(4, 1fr);
    gap: 2rem; margin-top: 3rem;
}
.stat-item { text-align: center; }
.stat-item .stat-number {
    font-family: 'DM Serif Display', serif;
    font-size: 3rem; color: var(--gold); line-height: 1;
}
.stat-item .stat-label {
    color: var(--gray-400); font-size: 0.8rem;
    text-transform: uppercase; letter-spacing: 0.1em; margin-top: 0.5rem;
}
@media (max-width: 768px) {
    .stats-bar { grid-template-columns: repeat(2, 1fr); }
}

/* ---- SOLUTION GRID ---- */
.solution-grid {
    display: grid; grid-template-columns: 1fr 1fr;
    gap: 4rem; align-items: center;
}
.solution-text h2 { color: var(--white); margin-bottom: 1.5rem; }
.solution-text p { color: var(--gray-400); margin-bottom: 1.5rem; }
.solution-text .trueline {
    color: var(--gold); font-family: 'DM Serif Display', serif;
    font-size: 1.5rem; margin: 2rem 0;
}
.solution-text .belief {
    background: var(--navy-light); border-left: 3px solid var(--gold);
    padding: 1.5rem; margin: 2rem 0;
    color: var(--cream); font-size: 0.95rem; line-height: 1.8;
}
.terms-list {
    list-style: none; display: grid;
    grid-template-columns: 1fr 1fr; gap: 1rem;
}
.terms-list li {
    color: var(--cream); padding-left: 1.5rem;
    position: relative; font-size: 0.95rem;
}
.terms-list li::before {
    content: ''; position: absolute; left: 0; top: 0.5rem;
    width: 8px; height: 2px; background: var(--gold);
}
.solution-visual {
    background: var(--navy-light); border: 1px solid var(--blue-accent);
    padding: 3rem; position: relative;
}
.solution-visual::before {
    content: ''; position: absolute; top: -1px; left: 2rem; right: 2rem;
    height: 3px; background: var(--gold);
}
.stat-block {
    text-align: center; padding: 1.5rem 0;
    border-bottom: 1px solid var(--blue-accent);
}
.stat-block:last-child { border-bottom: none; }
.stat-block .stat-number {
    font-family: 'DM Serif Display', serif;
    font-size: 3rem; color: var(--gold); line-height: 1;
}
.stat-block .stat-label {
    color: var(--gray-400); font-size: 0.85rem;
    text-transform: uppercase; letter-spacing: 0.1em; margin-top: 0.5rem;
}
@media (max-width: 900px) {
    .solution-grid { grid-template-columns: 1fr; gap: 3rem; }
    .terms-list { grid-template-columns: 1fr; }
}

/* ---- STORY SECTION ---- */
.story-section { background: var(--white); position: relative; }
.story-section::before {
    content: ''; position: absolute; left: 0; top: 0; bottom: 0;
    width: 4px; background: var(--gold);
}
.story-content { max-width: 800px; }
.story-content h2 { margin-bottom: 2rem; }
.story-quote {
    background: var(--cream); border-radius: 8px;
    padding: 2rem; margin-bottom: 2rem; position: relative;
}
.story-quote::before {
    content: '\201C'; font-family: 'DM Serif Display', serif;
    font-size: 4rem; color: var(--gold); opacity: 0.3;
    position: absolute; top: 0.5rem; left: 1rem; line-height: 1;
}
.story-quote p {
    font-size: 1.15rem; color: var(--gray-600);
    font-style: italic; padding-left: 2rem; margin-bottom: 1rem;
}
.story-attribution {
    display: flex; align-items: center; gap: 1rem;
    padding-left: 2rem; margin-top: 1.5rem;
}
.story-avatar {
    width: 50px; height: 50px; border-radius: 50%;
    background: var(--navy); display: flex;
    align-items: center; justify-content: center;
    color: var(--gold); font-weight: 700; font-size: 1.1rem;
}
.story-meta .name { font-weight: 600; color: var(--navy); }
.story-meta .details { font-size: 0.85rem; color: var(--gray-400); }
.story-bottom p { color: var(--gray-600); margin-bottom: 1rem; font-size: 1.05rem; }
.story-bottom p strong { color: var(--navy); }

/* ---- AUDIENCE SECTION ---- */
.audience-section { background: var(--cream); }
.audience-content { max-width: 800px; }
.audience-content h2 { margin-bottom: 1.5rem; }
.audience-content > p { color: var(--gray-600); margin-bottom: 1.5rem; font-size: 1.05rem; }
.audience-bullets { list-style: none; margin-top: 2rem; }
.audience-bullets li {
    padding: 1rem 0; padding-left: 2rem;
    border-bottom: 1px solid #ddd; position: relative;
}
.audience-bullets li:last-child { border-bottom: none; }
.audience-bullets li::before {
    content: '\2192'; position: absolute; left: 0;
    color: var(--gold); font-weight: 700;
}
.audience-bullets li strong { color: var(--navy); display: block; margin-bottom: 0.25rem; }
.audience-bullets li span { color: var(--gray-600); font-size: 0.95rem; }

/* ---- TESTIMONIALS ---- */
.testimonials-section { background: var(--white); }
.testimonials-grid {
    display: grid; grid-template-columns: repeat(2, 1fr);
    gap: 2rem; margin-top: 2rem;
}
.testimonial-card { background: var(--cream); padding: 2rem; border-radius: 8px; }
.testimonial-stars { color: var(--gold); font-size: 1.1rem; margin-bottom: 1rem; letter-spacing: 0.1em; }
.testimonial-text { color: var(--gray-600); font-size: 1rem; margin-bottom: 1.5rem; font-style: italic; }
.testimonial-details {
    font-size: 0.85rem; color: var(--navy); font-weight: 500;
    margin-bottom: 1rem; padding: 0.75rem;
    background: var(--white); border-radius: 4px;
}
.testimonial-author { display: flex; align-items: center; gap: 1rem; }
.testimonial-avatar {
    width: 48px; height: 48px; border-radius: 50%;
    background: var(--navy); display: flex;
    align-items: center; justify-content: center;
    color: var(--gold); font-weight: 700;
}
.testimonial-meta .name { font-weight: 600; color: var(--navy); }
.testimonial-meta .role { font-size: 0.85rem; color: var(--gray-400); }
.testimonial-pullquote {
    grid-column: 1 / -1; background: var(--navy);
    padding: 3rem; text-align: center; border-radius: 8px;
}
.testimonial-pullquote p {
    font-family: 'DM Serif Display', serif;
    font-size: 1.75rem; color: var(--white); margin-bottom: 1rem;
}
.testimonial-pullquote cite { color: var(--gold); font-style: normal; font-size: 0.9rem; }
@media (max-width: 768px) { .testimonials-grid { grid-template-columns: 1fr; } }

/* ---- REFRAME SECTION ---- */
.reframe-section {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
}
.reframe-content { max-width: 800px; margin: 0 auto; text-align: center; }
.reframe-content h2 { color: var(--white); margin-bottom: 2rem; }
.reframe-content > p { color: var(--gray-400); font-size: 1.1rem; margin-bottom: 1.5rem; }
.reframe-quote {
    background: var(--navy-light); border: 1px solid var(--blue-accent);
    padding: 2.5rem; margin: 2.5rem 0; border-radius: 8px;
}
.reframe-quote p {
    font-family: 'DM Serif Display', serif;
    font-size: 1.5rem; color: var(--cream); margin-bottom: 1rem;
}
.reframe-quote cite { color: var(--gold); font-style: normal; font-size: 0.9rem; }
.reframe-content p.highlight {
    color: var(--cream); font-size: 1.2rem; font-weight: 500;
    border-top: 1px solid var(--blue-accent);
    border-bottom: 1px solid var(--blue-accent);
    padding: 1.5rem 0; margin-top: 2rem;
}

/* ---- PROCESS STEPS ---- */
.process-steps {
    display: grid; grid-template-columns: repeat(3, 1fr);
    gap: 2rem; margin-top: 3rem;
}
.process-step { position: relative; }
.process-step .step-number {
    font-family: 'DM Serif Display', serif;
    font-size: 4rem; color: var(--gold); opacity: 0.3;
    line-height: 1; margin-bottom: 1rem;
}
.process-step .step-title { color: var(--white); font-weight: 600; margin-bottom: 0.75rem; font-size: 1.1rem; }
.process-step .step-desc { color: var(--gray-400); font-size: 0.9rem; }
@media (max-width: 768px) {
    .process-steps { grid-template-columns: 1fr; }
}

/* ---- FORMS ---- */
.form-section { background: var(--navy); position: relative; }
.form-section::before {
    content: ''; position: absolute; inset: 0;
    background: radial-gradient(ellipse at 50% 50%, rgba(100, 181, 246, 0.1) 0%, transparent 60%);
}
.form-grid {
    display: grid; grid-template-columns: 1fr 1fr;
    gap: 4rem; align-items: center; position: relative; z-index: 1;
}
.form-content h2 { color: var(--white); margin-bottom: 0.5rem; }
.form-content h3 {
    color: var(--gold); font-family: 'IBM Plex Sans', sans-serif;
    font-size: 1.1rem; font-weight: 500; margin-bottom: 1.5rem;
}
.form-content p { color: var(--gray-400); margin-bottom: 1.5rem; }
.form-benefits { list-style: none; }
.form-benefits li {
    color: var(--cream); padding: 0.5rem 0; padding-left: 2rem;
    position: relative; font-size: 0.95rem;
}
.form-benefits li::before {
    content: '\2713'; position: absolute; left: 0;
    color: var(--gold); font-weight: 700;
}
.lead-form {
    background: var(--white); border-radius: 12px;
    padding: 2.5rem; box-shadow: 0 20px 60px rgba(0,0,0,0.3);
}
.form-title {
    font-family: 'DM Serif Display', serif;
    font-size: 1.5rem; color: var(--navy);
    margin-bottom: 0.5rem; text-align: center;
}
.form-subtitle { color: var(--gray-400); font-size: 0.9rem; text-align: center; margin-bottom: 1.5rem; }
.form-group { margin-bottom: 1.25rem; }
.form-group label {
    display: block; font-size: 0.85rem; font-weight: 600;
    color: var(--navy); margin-bottom: 0.4rem;
}
.form-group input, .form-group select, .form-group textarea {
    width: 100%; padding: 0.85rem 1rem;
    border: 1px solid #ddd; border-radius: 6px;
    font-size: 1rem; font-family: inherit;
    transition: border-color 0.3s ease;
    background: var(--white); color: var(--navy);
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
    outline: none; border-color: var(--gold);
}
.form-group select {
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='%234a5568'%3E%3Cpath d='M1 1l5 5 5-5'/%3E%3C/svg%3E");
    background-repeat: no-repeat; background-position: right 14px center;
    cursor: pointer;
}
.form-group textarea { resize: vertical; min-height: 80px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-submit {
    width: 100%; background: var(--navy); color: var(--white);
    border: none; padding: 1rem; font-size: 1rem; font-weight: 600;
    border-radius: 6px; cursor: pointer; transition: all 0.3s ease; margin-top: 0.5rem;
}
.form-submit:hover { background: var(--navy-light); }
.form-note { text-align: center; font-size: 0.75rem; color: var(--gray-400); margin-top: 1rem; }
@media (max-width: 900px) { .form-grid { grid-template-columns: 1fr; gap: 3rem; } }
@media (max-width: 600px) { .form-row { grid-template-columns: 1fr; } }

/* Screening form (apply page) */
.form-card {
    background: var(--white); border: 1px solid #ddd; border-radius: 12px;
    padding: 2.5rem; position: relative; overflow: hidden;
    box-shadow: 0 20px 60px rgba(0,0,0,0.08);
}
.form-card::before {
    content: ''; position: absolute; top: 0; left: 0; right: 0;
    height: 3px; background: var(--gold);
}
.progress { margin-bottom: 1.5rem; }
.progress-label {
    font-size: 0.8rem; color: var(--gray-400); text-transform: uppercase;
    letter-spacing: 0.08em; margin-bottom: 0.5rem; font-weight: 600;
}
.progress-bar { height: 4px; background: var(--cream); border-radius: 2px; overflow: hidden; }
.progress-fill { height: 100%; background: var(--gold); border-radius: 2px; transition: width 0.4s ease; }
.step-title {
    font-family: 'DM Serif Display', serif; font-size: 1.5rem;
    color: var(--navy); margin-bottom: 0.5rem;
}
.step-subtitle { font-size: 0.9rem; color: var(--gray-400); margin-bottom: 1.5rem; }
.field { margin-bottom: 1.25rem; }
.field label {
    display: block; font-size: 0.85rem; font-weight: 600;
    color: var(--navy); margin-bottom: 0.4rem;
}
.field select, .field input, .field textarea {
    width: 100%; padding: 0.85rem 1rem; background: var(--white);
    border: 1px solid #ddd; border-radius: 6px; color: var(--navy);
    font-family: 'IBM Plex Sans', sans-serif; font-size: 1rem; transition: border-color 0.2s;
}
.field select:focus, .field input:focus, .field textarea:focus { outline: none; border-color: var(--gold); }
.field select {
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='%234a5568'%3E%3Cpath d='M1 1l5 5 5-5'/%3E%3C/svg%3E");
    background-repeat: no-repeat; background-position: right 14px center; cursor: pointer;
}
.field textarea { resize: vertical; min-height: 60px; }
.field .optional { color: var(--gray-400); font-weight: 400; font-size: 0.75rem; }
.field .error-msg { color: var(--error); font-size: 0.8rem; margin-top: 0.25rem; display: none; }
.cta-btn {
    width: 100%; padding: 1rem; background: var(--gold); color: var(--navy);
    font-family: 'IBM Plex Sans', sans-serif; font-size: 1rem; font-weight: 600;
    border: none; border-radius: 6px; cursor: pointer; transition: all 0.3s ease;
    letter-spacing: 0.3px; margin-top: 0.5rem;
}
.cta-btn:hover { background: var(--gold-light); transform: translateY(-1px); }
.cta-btn:disabled { opacity: 0.5; cursor: not-allowed; transform: none; }
.step { display: none; }
.step.active { display: block; }
.dq-message { text-align: center; padding: 1.5rem 0; }
.dq-message h3 { font-family: 'DM Serif Display', serif; font-size: 1.25rem; color: var(--navy); margin-bottom: 0.75rem; }
.dq-message p { color: var(--gray-600); font-size: 0.95rem; line-height: 1.7; margin-bottom: 1.25rem; }
.success-message { text-align: center; padding: 1.5rem 0; }
.success-message .icon { font-size: 3rem; margin-bottom: 1rem; }
.success-message h3 { font-family: 'DM Serif Display', serif; font-size: 1.5rem; color: var(--navy); margin-bottom: 0.75rem; }
.success-message p { color: var(--gray-600); font-size: 1rem; line-height: 1.7; margin-bottom: 1rem; }
.success-message .cal-link {
    display: inline-block; padding: 0.85rem 2rem; background: var(--gold);
    color: var(--navy); font-weight: 600; border-radius: 6px;
    text-decoration: none; transition: all 0.3s ease; margin-top: 0.5rem;
}
.success-message .cal-link:hover { background: var(--gold-light); }
.path-badge {
    display: inline-block; padding: 0.25rem 0.75rem; border-radius: 4px;
    font-size: 0.75rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 1rem;
}
.path-badge.gold { background: rgba(100,181,246,0.15); color: var(--gold); }
.path-badge.silver { background: rgba(30,58,95,0.1); color: var(--blue-accent); }
.hp-field { position: absolute; left: -9999px; top: -9999px; }
.spinner {
    display: inline-block; width: 18px; height: 18px;
    border: 2px solid var(--navy); border-top-color: transparent;
    border-radius: 50%; animation: spin 0.6s linear infinite;
    vertical-align: middle; margin-right: 8px;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* ---- BUTTONS ---- */
.cta-button {
    display: inline-block; background: var(--navy); color: var(--white);
    padding: 1.25rem 2.5rem; text-decoration: none;
    font-weight: 600; font-size: 1rem; transition: all 0.3s ease;
    border: none; cursor: pointer;
}
.cta-button:hover { background: var(--navy-light); transform: translateY(-2px); }
.cta-button-secondary {
    background: transparent; color: var(--navy); border: 2px solid var(--navy);
}
.cta-button-secondary:hover { background: var(--navy); color: var(--white); }
.cta-button-light {
    background: var(--white); color: var(--navy);
}
.cta-button-light:hover { background: var(--gray-200); }

/* ---- FINAL CTA ---- */
.final-cta { background: var(--cream); text-align: center; padding: 6rem 4%; }
.final-cta h2 { margin-bottom: 1rem; }
.final-cta p { color: var(--gray-600); margin-bottom: 1rem; font-size: 1.1rem; }
.final-cta .trueline { color: var(--navy); font-weight: 600; font-size: 1.2rem; margin-bottom: 2rem; }
.final-cta-buttons { display: flex; justify-content: center; gap: 1rem; flex-wrap: wrap; }

/* ---- TIER CARDS ---- */
.tier-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; margin-top: 2rem; }
.tier-card {
    background: var(--navy-light); border: 1px solid var(--blue-accent);
    padding: 2.5rem; border-radius: 8px; position: relative;
}
.tier-card.gold::before {
    content: ''; position: absolute; top: 0; left: 0; right: 0;
    height: 3px; background: var(--gold); border-radius: 3px 3px 0 0;
}
.tier-card.silver::before {
    content: ''; position: absolute; top: 0; left: 0; right: 0;
    height: 3px; background: var(--gray-400); border-radius: 3px 3px 0 0;
}
.tier-card h3 { color: var(--white); margin-bottom: 0.5rem; }
.tier-card .tier-subtitle { color: var(--gold); font-size: 0.85rem; font-weight: 600; margin-bottom: 1.5rem; }
.tier-card ul { list-style: none; }
.tier-card ul li {
    color: var(--cream); padding: 0.4rem 0 0.4rem 1.5rem;
    position: relative; font-size: 0.95rem;
}
.tier-card ul li::before {
    content: '\2713'; position: absolute; left: 0; color: var(--gold); font-weight: 700;
}
@media (max-width: 768px) { .tier-grid { grid-template-columns: 1fr; } }

/* ---- FAQ ACCORDION ---- */
.faq-list { max-width: 800px; margin: 2rem auto 0; }
.faq-item { border-bottom: 1px solid var(--gray-200); }
.faq-question {
    width: 100%; background: none; border: none; padding: 1.25rem 0;
    font-family: 'IBM Plex Sans', sans-serif; font-size: 1.05rem;
    font-weight: 600; color: var(--navy); text-align: left;
    cursor: pointer; display: flex; justify-content: space-between; align-items: center;
}
.faq-question::after { content: '+'; font-size: 1.5rem; color: var(--gold); transition: transform 0.3s; }
.faq-item.open .faq-question::after { content: '\2212'; }
.faq-answer {
    max-height: 0; overflow: hidden; transition: max-height 0.3s ease;
    color: var(--gray-600); font-size: 0.95rem; line-height: 1.8;
}
.faq-item.open .faq-answer { max-height: 500px; padding-bottom: 1.25rem; }

/* ---- PAGE HERO (smaller, for ancillary pages) ---- */
.page-hero {
    background: var(--navy); padding: 8rem 4% 4rem; text-align: center;
}
.page-hero h1 { color: var(--white); margin-bottom: 1rem; font-size: clamp(2rem, 5vw, 3rem); }
.page-hero h1 span { color: var(--gold); }
.page-hero p { color: var(--gray-400); font-size: 1.1rem; max-width: 600px; margin: 0 auto; }

/* ---- CONTENT SECTIONS ---- */
.content-section { padding: 4rem 4%; }
.content-section .container { max-width: 800px; }
.content-section h2 { margin-bottom: 1.5rem; }
.content-section h3 { margin: 2rem 0 1rem; }
.content-section p { color: var(--gray-600); line-height: 1.8; }
.content-section ul, .content-section ol {
    color: var(--gray-600); margin: 1rem 0 1rem 1.5rem; line-height: 1.8;
}
.content-section a { color: var(--logo-blue); }

/* ---- TRANSACTION TABLE ---- */
.transaction-grid {
    display: grid; grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
    gap: 1.5rem; margin-top: 2rem;
}
.transaction-card {
    background: var(--white); border: 1px solid var(--gray-200);
    padding: 1.5rem; border-radius: 8px;
}
.transaction-card h4 { color: var(--navy); margin-bottom: 0.75rem; }
.transaction-card .meta { font-size: 0.85rem; color: var(--gray-400); margin-bottom: 0.5rem; }
.transaction-card .amount {
    font-family: 'DM Serif Display', serif;
    font-size: 1.5rem; color: var(--logo-blue);
}

/* ---- PROPERTY TYPES ---- */
.property-grid {
    display: grid; grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
    gap: 1rem; margin-top: 2rem;
}
.property-tag {
    background: var(--navy-light); border: 1px solid var(--blue-accent);
    padding: 1rem; border-radius: 6px; text-align: center;
    color: var(--cream); font-size: 0.9rem; font-weight: 500;
}

/* ---- STICKY PHONE ---- */
.sticky-phone {
    display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 100;
    background: var(--navy); padding: 1rem; text-align: center;
    box-shadow: 0 -4px 20px rgba(0,0,0,0.2);
}
.sticky-phone a {
    color: var(--gold); font-weight: 700; font-size: 1rem;
    text-decoration: none; display: flex; align-items: center; justify-content: center; gap: 8px;
}
@media (max-width: 768px) { .sticky-phone { display: block; } }

/* ---- FOOTER ---- */
footer { background: var(--navy); padding: 4rem 4% 2rem; }
.footer-content { max-width: 1100px; margin: 0 auto; }
.footer-grid {
    display: grid; grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 3rem; margin-bottom: 3rem;
}
.footer-brand .logo-text-footer {
    font-family: 'Archivo', sans-serif; font-weight: 700; font-size: 1.1rem;
    color: var(--white); text-transform: uppercase; letter-spacing: 0.05em;
    margin-bottom: 1rem;
}
.footer-brand p { color: var(--gray-400); font-size: 0.85rem; line-height: 1.7; }
.footer-brand .tagline {
    color: var(--gold); font-family: 'DM Serif Display', serif;
    font-size: 1rem; margin-top: 1rem;
}
.footer-col h4 {
    color: var(--white); font-family: 'IBM Plex Sans', sans-serif;
    font-size: 0.8rem; font-weight: 600; text-transform: uppercase;
    letter-spacing: 0.1em; margin-bottom: 1rem;
}
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 0.5rem; }
.footer-col ul li a {
    color: var(--gray-400); text-decoration: none; font-size: 0.85rem;
    transition: color 0.3s;
}
.footer-col ul li a:hover { color: var(--gold); }
.footer-bottom {
    border-top: 1px solid var(--blue-accent); padding-top: 2rem;
    display: flex; justify-content: space-between; align-items: center;
    flex-wrap: wrap; gap: 1rem;
}
.footer-bottom p { color: var(--gray-400); font-size: 0.8rem; }
.footer-bottom a { color: var(--gold); text-decoration: none; }
.footer-badges {
    display: flex; gap: 1rem; flex-wrap: wrap;
}
.footer-badge {
    background: rgba(255,255,255,0.05); padding: 0.4rem 0.75rem;
    border-radius: 4px; font-size: 0.7rem; color: var(--gray-400);
}
@media (max-width: 768px) {
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem; }
    .footer-bottom { flex-direction: column; text-align: center; }
}
@media (max-width: 500px) {
    .footer-grid { grid-template-columns: 1fr; }
}

/* ---- APPLY PAGE LAYOUT ---- */
.apply-layout {
    max-width: 1100px; margin: 0 auto; padding: 8rem 4% 6rem;
    display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: start;
}
.apply-copy { padding-top: 1rem; }
.apply-copy .copy-eyebrow {
    color: var(--gold); font-size: 0.85rem; font-weight: 600;
    letter-spacing: 0.15em; text-transform: uppercase; margin-bottom: 1.5rem;
}
.apply-copy h1 { font-size: clamp(2rem, 5vw, 3rem); color: var(--navy); line-height: 1.15; margin-bottom: 1rem; }
.apply-copy h1 span { color: var(--gold); }
.apply-copy > p { color: var(--gray-600); font-size: 1.05rem; line-height: 1.7; margin-bottom: 1.5rem; }
.trust-items { display: flex; flex-direction: column; gap: 10px; margin-top: 1.5rem; }
.trust-item { display: flex; align-items: center; gap: 10px; font-size: 0.95rem; color: var(--navy); }
.trust-item .check { color: var(--gold); font-weight: 700; font-size: 1rem; flex-shrink: 0; }
.stat-row { display: flex; gap: 2.5rem; margin-top: 2rem; padding-top: 1.5rem; border-top: 1px solid #ddd; }
.stat { text-align: left; }
.stat .stat-val { font-family: 'DM Serif Display', serif; font-size: 1.75rem; color: var(--gold); line-height: 1; }
.stat .stat-label { font-size: 0.75rem; color: var(--gray-400); text-transform: uppercase; letter-spacing: 0.1em; margin-top: 0.25rem; }
@media (max-width: 768px) {
    .apply-layout { grid-template-columns: 1fr; gap: 2.5rem; padding: 7rem 5% 4rem; }
}

/* ---- PARTNER / REFER SECTIONS ---- */
.benefit-grid {
    display: grid; grid-template-columns: repeat(3, 1fr);
    gap: 2rem; margin-top: 2rem;
}
.benefit-item { text-align: center; padding: 2rem; }
.benefit-item .icon { font-size: 2.5rem; margin-bottom: 1rem; }
.benefit-item h3 { font-size: 1.1rem; margin-bottom: 0.5rem; }
.benefit-item p { color: var(--gray-600); font-size: 0.9rem; }
@media (max-width: 768px) { .benefit-grid { grid-template-columns: 1fr; } }

/* ---- RESPONSIVE ---- */
@media (max-width: 600px) {
    nav { padding: 0.75rem 4%; }
    .logo-box { width: 97px; height: 60px; }
    .logo-box .logo-text { font-size: 11px; }
    .nav-cta { padding: 0.6rem 1rem; font-size: 0.8rem; }
    section { padding: 4rem 5%; }
    .hero-content { padding: 7rem 5% 3rem; }
}