/* ==========================================================================
   Fiducia Design System
   Financial Advisor Intelligence
   Amber/Navy palette · Plus Jakarta Sans · Refined authority
   ========================================================================== */

/* ---------- CSS Variables ---------- */
:root {
  --amber: #D97706;
  --amber-dark: #B45309;
  --amber-light: #F59E0B;
  --amber-tint: #FFFBEB;
  --amber-glow: rgba(217, 119, 6, 0.12);
  --navy: #1B2A4A;
  --navy-light: #2A3D66;
  --navy-dark: #0F1B33;
  --white: #FFFFFF;
  --bg-alt: #F8FAFC;
  --text-secondary: #64748B;
  --text-muted: #94A3B8;
  --border: #E2E8F0;
  --border-light: #F1F5F9;
  --error: #EF4444;
  --success: #10B981;
  --font: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --container: 1200px;
  --container-narrow: 800px;
  --radius: 8px;
  --radius-lg: 12px;
  --radius-xl: 16px;
  --shadow-sm: 0 1px 3px rgba(15, 27, 51, 0.06);
  --shadow: 0 4px 16px rgba(15, 27, 51, 0.08);
  --shadow-lg: 0 8px 32px rgba(15, 27, 51, 0.12);
  --shadow-amber: 0 4px 24px rgba(217, 119, 6, 0.15);
  --transition: 0.2s ease;
}

/* ---------- Reset & Base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font);
  font-size: 1rem;
  font-weight: 400;
  line-height: 1.6;
  color: var(--navy);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--amber); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--amber-dark); }
ul, ol { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input, textarea, select { font-family: inherit; font-size: inherit; }

/* ---------- Typography ---------- */
h1, h2, h3, h4, h5, h6 { font-weight: 700; line-height: 1.2; color: var(--navy); }
h1 { font-size: clamp(2.25rem, 5vw, 3.5rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.75rem, 3.5vw, 2.25rem); font-weight: 600; letter-spacing: -0.01em; }
h3 { font-size: 1.5rem; font-weight: 600; }
h4 { font-size: 1.125rem; font-weight: 600; }
p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }
strong { font-weight: 600; }

/* ---------- Utilities ---------- */
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.sr-only--focusable:focus { position: static; width: auto; height: auto; padding: 0; margin: 0; overflow: visible; clip: auto; white-space: normal; }
.container { max-width: var(--container); margin: 0 auto; padding: 0 1.5rem; }
.container--narrow { max-width: var(--container-narrow); }
.text-center { text-align: center; }
.text-muted { color: var(--text-secondary); }

/* ---------- Sections ---------- */
.section { padding: 5rem 0; }
.section--alt { background: var(--bg-alt); }
.section--amber-tint { background: var(--amber-tint); }
.section--navy { background: var(--navy); color: var(--white); }
.section--navy h2, .section--navy h3, .section--navy h4 { color: var(--white); }
.section--navy p { color: rgba(255,255,255,0.8); }
.section__title { margin-bottom: 1rem; }
.section__subtitle { color: var(--text-secondary); font-size: 1.125rem; max-width: 640px; margin: 0 auto 3rem; }
.section--navy .section__subtitle { color: rgba(255,255,255,0.7); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
  font-weight: 600; font-size: 1rem; line-height: 1;
  padding: 0.875rem 1.75rem; border-radius: var(--radius);
  transition: all var(--transition); white-space: nowrap;
  text-decoration: none;
}
.btn--primary {
  background: var(--amber); color: var(--white);
  box-shadow: 0 2px 8px rgba(217, 119, 6, 0.25);
}
.btn--primary:hover {
  background: var(--amber-dark); color: var(--white);
  box-shadow: 0 4px 16px rgba(217, 119, 6, 0.35);
  transform: translateY(-1px);
}
.btn--secondary {
  background: transparent; color: var(--navy);
  border: 2px solid var(--border);
}
.btn--secondary:hover {
  border-color: var(--navy); color: var(--navy);
  transform: translateY(-1px);
}
.btn--white {
  background: var(--white); color: var(--navy);
  box-shadow: var(--shadow);
}
.btn--white:hover {
  background: var(--amber-tint); color: var(--navy);
  transform: translateY(-1px);
}
.btn--sm { padding: 0.625rem 1.25rem; font-size: 0.875rem; }
.btn--lg { padding: 1rem 2rem; font-size: 1.0625rem; }
.btn--ghost { background: transparent; color: var(--amber); padding: 0.5rem 0; }
.btn--ghost:hover { color: var(--amber-dark); }

/* ---------- Header ---------- */
.header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid transparent;
  transition: border-color 0.3s, box-shadow 0.3s;
}
.header--scrolled {
  border-bottom-color: var(--border);
  box-shadow: 0 1px 8px rgba(15, 27, 51, 0.06);
}
.header__inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 72px; gap: 2rem;
}
.header__logo {
  display: flex; align-items: center; gap: 0.625rem;
  text-decoration: none; flex-shrink: 0;
}
.header__logo-icon { width: 32px; height: 32px; }
.header__logo-text {
  font-size: 1.25rem; font-weight: 700; color: var(--navy);
  letter-spacing: -0.5px;
}
.header__cta { flex-shrink: 0; }

/* ---------- Desktop Nav ---------- */
.nav--desktop { display: none; }
@media (min-width: 1024px) {
  .nav--desktop { display: block; }
}
.nav__list {
  display: flex; align-items: center; gap: 0.25rem;
}
.nav__link {
  display: block; padding: 0.5rem 0.75rem; font-size: 0.9375rem;
  font-weight: 500; color: var(--navy); border-radius: var(--radius);
  transition: all var(--transition);
}
.nav__link:hover { color: var(--amber); background: var(--amber-tint); }
.nav__link--active { color: var(--amber); }

/* Nav Dropdown */
.nav__item--dropdown { position: relative; }
.nav__dropdown-toggle {
  display: flex; align-items: center; gap: 0.25rem;
  padding: 0.5rem 0.75rem; font-size: 0.9375rem; font-weight: 500;
  color: var(--navy); border-radius: var(--radius); transition: all var(--transition);
}
.nav__dropdown-toggle:hover { color: var(--amber); background: var(--amber-tint); }
.nav__dropdown-toggle svg { width: 12px; height: 12px; transition: transform var(--transition); }
.nav__item--dropdown.active .nav__dropdown-toggle svg { transform: rotate(180deg); }
.nav__dropdown {
  display: none; position: absolute; top: calc(100% + 4px); left: 0;
  min-width: 240px; background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius-lg); box-shadow: var(--shadow-lg);
  padding: 0.5rem; z-index: 50;
}
.nav__item--dropdown.active .nav__dropdown,
.nav__item--dropdown:hover .nav__dropdown { display: block; }
.nav__dropdown-item {
  display: block; padding: 0.625rem 0.875rem; font-size: 0.9375rem;
  color: var(--navy); border-radius: var(--radius); transition: all var(--transition);
}
.nav__dropdown-item:hover { background: var(--amber-tint); color: var(--amber); }

/* ---------- Mobile Nav ---------- */
.menu-toggle { display: flex; align-items: center; justify-content: center; width: 40px; height: 40px; }
@media (min-width: 1024px) { .menu-toggle { display: none; } .header__cta { display: block; } }
@media (max-width: 1023px) { .header__cta { display: none; } }
.menu-toggle__icon,
.menu-toggle__icon::before,
.menu-toggle__icon::after {
  display: block; width: 22px; height: 2px; background: var(--navy);
  border-radius: 2px; transition: all 0.3s;
}
.menu-toggle__icon { position: relative; }
.menu-toggle__icon::before, .menu-toggle__icon::after {
  content: ''; position: absolute; left: 0;
}
.menu-toggle__icon::before { top: -7px; }
.menu-toggle__icon::after { top: 7px; }
.menu-toggle.active .menu-toggle__icon { background: transparent; }
.menu-toggle.active .menu-toggle__icon::before { top: 0; transform: rotate(45deg); }
.menu-toggle.active .menu-toggle__icon::after { top: 0; transform: rotate(-45deg); }
.nav--mobile {
  display: none; position: fixed; top: 72px; left: 0; right: 0; bottom: 0;
  background: var(--white); padding: 1.5rem; overflow-y: auto; z-index: 90;
}
.nav--mobile.active { display: block; }
.nav--mobile .nav__list { flex-direction: column; align-items: stretch; gap: 0; }
.nav--mobile .nav__link { padding: 0.875rem 0; font-size: 1.0625rem; border-bottom: 1px solid var(--border-light); }
.nav--mobile .nav__dropdown-toggle { padding: 0.875rem 0; font-size: 1.0625rem; width: 100%; justify-content: space-between; border-bottom: 1px solid var(--border-light); }
.nav--mobile .nav__dropdown { position: static; border: none; box-shadow: none; padding: 0 0 0 1rem; min-width: 0; display: none; }
.nav--mobile .nav__item--dropdown.active .nav__dropdown { display: block; }
.nav--mobile .nav__dropdown-item { padding: 0.625rem 0; border-bottom: 1px solid var(--border-light); }
.nav--mobile .btn { margin-top: 1.5rem; width: 100%; text-align: center; }

/* ---------- Hero ---------- */
.hero { padding: 8rem 0 5rem; position: relative; overflow: hidden; }
.hero__inner { display: grid; grid-template-columns: 1fr; gap: 3rem; align-items: center; }
@media (min-width: 768px) { .hero__inner { grid-template-columns: 1fr 1fr; gap: 4rem; } }
.hero__badge {
  display: inline-flex; align-items: center; gap: 0.5rem;
  padding: 0.375rem 1rem; background: var(--amber-tint);
  border: 1px solid rgba(217, 119, 6, 0.2); border-radius: 100px;
  font-size: 0.8125rem; font-weight: 600; color: var(--amber-dark);
  margin-bottom: 1.5rem; letter-spacing: 0.02em; text-transform: uppercase;
}
.hero__badge::before {
  content: ''; display: block; width: 6px; height: 6px;
  background: var(--amber); border-radius: 50%;
}
.hero__title { margin-bottom: 1.25rem; max-width: 560px; }
.hero__subtitle {
  font-size: 1.125rem; color: var(--text-secondary); line-height: 1.7;
  max-width: 520px; margin-bottom: 2rem;
}
.hero__actions { display: flex; gap: 1rem; flex-wrap: wrap; align-items: center; }
.hero__micro { font-size: 0.8125rem; color: var(--text-muted); margin-top: 0.75rem; }

/* Hero Stats */
.hero__stats {
  display: flex; gap: 2.5rem; margin-top: 2.5rem; padding-top: 2rem;
  border-top: 1px solid var(--border);
}
.hero__stat-value {
  font-size: 2rem; font-weight: 800; color: var(--navy);
  letter-spacing: -0.02em; line-height: 1;
}
.hero__stat-label { font-size: 0.8125rem; color: var(--text-muted); margin-top: 0.25rem; font-weight: 500; }

/* ---------- Data Card (Animated) ---------- */
.data-card-wrapper { perspective: 1000px; }
.data-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  padding: 2rem;
  position: relative;
  overflow: hidden;
  animation: cardFloat 6s ease-in-out infinite;
}
.data-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--amber), var(--amber-light), var(--amber));
}
.data-card__header {
  display: flex; justify-content: space-between; align-items: flex-start;
  margin-bottom: 1.5rem; padding-bottom: 1rem; border-bottom: 1px solid var(--border-light);
}
.data-card__crd { font-size: 0.75rem; color: var(--text-muted); font-weight: 500; letter-spacing: 0.05em; text-transform: uppercase; }
.data-card__crd span { color: var(--navy); font-weight: 600; }
.data-card__status {
  display: inline-flex; align-items: center; gap: 0.375rem;
  padding: 0.25rem 0.625rem; background: rgba(16, 185, 129, 0.1);
  border-radius: 100px; font-size: 0.6875rem; font-weight: 600;
  color: var(--success); text-transform: uppercase; letter-spacing: 0.03em;
}
.data-card__status::before {
  content: ''; width: 5px; height: 5px; background: var(--success); border-radius: 50%;
}
.data-card__name { font-size: 1.375rem; font-weight: 700; color: var(--navy); margin-bottom: 0.25rem; }
.data-card__credentials { font-size: 0.8125rem; color: var(--amber); font-weight: 600; margin-bottom: 1rem; }
.data-card__row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 0.625rem 0; border-bottom: 1px solid var(--border-light);
  font-size: 0.875rem;
}
.data-card__row:last-child { border-bottom: none; }
.data-card__label { color: var(--text-muted); font-weight: 500; }
.data-card__value { color: var(--navy); font-weight: 600; }
.data-card__value--email { color: var(--amber); }
.data-card__footer {
  margin-top: 1rem; padding-top: 1rem; border-top: 1px solid var(--border-light);
  font-size: 0.75rem; color: var(--text-muted);
  display: flex; gap: 1rem; flex-wrap: wrap;
}
.data-card__footer-item { display: flex; align-items: center; gap: 0.25rem; }
.data-card__footer-check { color: var(--success); font-weight: 700; }

@keyframes cardFloat {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}

/* ---------- Problem Section ---------- */
.problem-grid {
  display: grid; grid-template-columns: 1fr; gap: 1.5rem;
}
@media (min-width: 768px) { .problem-grid { grid-template-columns: 1fr 1fr; } }
.problem-card {
  padding: 1.75rem; border: 1px solid var(--border);
  border-radius: var(--radius-lg); background: var(--white);
  transition: all var(--transition); position: relative;
  border-left: 3px solid var(--error);
}
.problem-card__icon {
  width: 40px; height: 40px; border-radius: var(--radius);
  background: rgba(239, 68, 68, 0.08); color: var(--error);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.25rem; margin-bottom: 1rem;
}
.problem-card__title { font-size: 1rem; font-weight: 600; margin-bottom: 0.5rem; }
.problem-card__text { font-size: 0.9375rem; color: var(--text-secondary); line-height: 1.6; }

/* ---------- Solution Section ---------- */
.solution-grid {
  display: grid; grid-template-columns: 1fr; gap: 1.5rem;
}
@media (min-width: 768px) { .solution-grid { grid-template-columns: repeat(3, 1fr); } }
.solution-card {
  padding: 2rem; border: 1px solid var(--border); border-radius: var(--radius-lg);
  background: var(--white); transition: all var(--transition);
}
.solution-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.solution-card__icon {
  width: 48px; height: 48px; border-radius: var(--radius-lg);
  background: var(--amber-tint); color: var(--amber);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.25rem; margin-bottom: 1.25rem;
}
.solution-card__title { font-size: 1.125rem; font-weight: 600; margin-bottom: 0.5rem; }
.solution-card__text { font-size: 0.9375rem; color: var(--text-secondary); line-height: 1.6; }

/* ---------- ICP Grid ---------- */
.icp-grid {
  display: grid; grid-template-columns: 1fr; gap: 1.25rem;
}
@media (min-width: 640px) { .icp-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .icp-grid { grid-template-columns: repeat(3, 1fr); } }
.icp-card {
  padding: 1.75rem; border: 1px solid var(--border); border-radius: var(--radius-lg);
  background: var(--white); transition: all var(--transition);
  text-decoration: none; color: inherit; display: block;
}
.icp-card:hover { box-shadow: var(--shadow); border-color: var(--amber); transform: translateY(-2px); color: inherit; }
.icp-card__icon { font-size: 1.75rem; margin-bottom: 1rem; }
.icp-card__title { font-size: 1.0625rem; font-weight: 600; margin-bottom: 0.375rem; color: var(--navy); }
.icp-card__text { font-size: 0.875rem; color: var(--text-secondary); line-height: 1.5; }
.icp-card__examples { font-size: 0.75rem; color: var(--text-muted); margin-top: 0.75rem; font-style: italic; }

/* ---------- Process / How It Works ---------- */
.process-grid {
  display: grid; grid-template-columns: 1fr; gap: 2rem;
  counter-reset: process;
}
@media (min-width: 768px) { .process-grid { grid-template-columns: repeat(4, 1fr); gap: 1.5rem; } }
.process-step {
  position: relative; padding: 1.5rem; text-align: center;
  counter-increment: process;
}
.process-step__number {
  width: 48px; height: 48px; border-radius: 50%;
  background: var(--amber-tint); color: var(--amber);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.125rem; font-weight: 700; margin: 0 auto 1.25rem;
  border: 2px solid rgba(217, 119, 6, 0.2);
}
.process-step__title { font-size: 1rem; font-weight: 600; margin-bottom: 0.5rem; }
.process-step__text { font-size: 0.875rem; color: var(--text-secondary); line-height: 1.5; }

/* ---------- FAQ ---------- */
.faq-section { padding: 5rem 0; }
.faq-item {
  border: 1px solid var(--border); border-radius: var(--radius-lg);
  margin-bottom: 0.75rem; overflow: hidden; transition: all var(--transition);
}
.faq-item[open] { border-color: var(--amber); box-shadow: var(--shadow-amber); }
.faq-item__question {
  padding: 1.25rem 1.5rem; font-weight: 600; font-size: 1rem;
  cursor: pointer; list-style: none; display: flex;
  align-items: center; justify-content: space-between; gap: 1rem;
  transition: all var(--transition);
}
.faq-item__question::-webkit-details-marker { display: none; }
.faq-item__question::after {
  content: '+'; font-size: 1.25rem; font-weight: 400; color: var(--amber);
  flex-shrink: 0; transition: transform 0.3s;
}
.faq-item[open] .faq-item__question::after { content: '\2212'; }
.faq-item[open] .faq-item__question { color: var(--amber); }
.faq-item__answer {
  padding: 0 1.5rem 1.25rem;
  font-size: 0.9375rem; color: var(--text-secondary); line-height: 1.7;
}

/* ---------- CTA Section ---------- */
.cta-section {
  background: var(--navy); padding: 5rem 0; text-align: center;
}
.cta-section__header { max-width: 600px; margin: 0 auto 2.5rem; }
.cta-section__title { color: var(--white); font-size: clamp(1.5rem, 3vw, 2rem); margin-bottom: 1rem; }
.cta-section__text { color: rgba(255, 255, 255, 0.7); font-size: 1.0625rem; }
.cta-section__proof {
  margin-top: 2rem; font-size: 0.8125rem; color: rgba(255, 255, 255, 0.5);
  letter-spacing: 0.02em;
}

/* ---------- Trust Bar ---------- */
.trust-bar {
  display: flex; justify-content: center; gap: 2rem; flex-wrap: wrap;
  margin-top: 1.5rem;
}
.trust-bar__item {
  display: flex; align-items: center; gap: 0.375rem;
  font-size: 0.8125rem; font-weight: 500;
}
.trust-bar__item--light { color: rgba(255, 255, 255, 0.6); }
.trust-bar__check { color: var(--amber-light); font-weight: 700; }
.trust-bar__item--dark { color: var(--text-muted); }

/* ---------- Forms ---------- */
.form { max-width: 500px; margin: 0 auto; text-align: left; }
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
@media (max-width: 480px) { .form__row { grid-template-columns: 1fr; } }
.form__group { margin-bottom: 1rem; }
.form__label {
  display: block; font-size: 0.8125rem; font-weight: 600;
  color: rgba(255, 255, 255, 0.8); margin-bottom: 0.375rem;
}
.form__input, .form__textarea, .form__select {
  width: 100%; padding: 0.75rem 1rem; border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius); background: rgba(255, 255, 255, 0.08);
  color: var(--white); font-size: 0.9375rem; transition: border-color var(--transition);
}
.form__input:focus, .form__textarea:focus, .form__select:focus {
  outline: none; border-color: var(--amber); background: rgba(255, 255, 255, 0.12);
}
.form__input::placeholder, .form__textarea::placeholder { color: rgba(255, 255, 255, 0.35); }
.form__textarea { resize: vertical; min-height: 80px; }
.form__submit { width: 100%; margin-top: 0.5rem; }

/* Light forms (on white bg) */
.form--light .form__label { color: var(--navy); }
.form--light .form__input, .form--light .form__textarea, .form--light .form__select {
  background: var(--white); border-color: var(--border); color: var(--navy);
}
.form--light .form__input:focus, .form--light .form__textarea:focus { border-color: var(--amber); }
.form--light .form__input::placeholder, .form--light .form__textarea::placeholder { color: var(--text-muted); }

/* ---------- Footer ---------- */
.footer {
  background: var(--navy-dark); color: rgba(255, 255, 255, 0.7);
  padding: 4rem 0 0;
}
.footer__grid {
  display: grid; grid-template-columns: 1.5fr repeat(5, 1fr); gap: 2rem;
}
@media (max-width: 1023px) { .footer__grid { grid-template-columns: 1fr 1fr 1fr; } }
@media (max-width: 640px) { .footer__grid { grid-template-columns: 1fr 1fr; } }
.footer__brand { grid-column: 1 / -1; margin-bottom: 1rem; }
@media (min-width: 1024px) { .footer__brand { grid-column: auto; margin-bottom: 0; } }
.footer__logo {
  display: flex; align-items: center; gap: 0.5rem;
  text-decoration: none; margin-bottom: 0.75rem;
}
.footer__logo-icon { width: 28px; height: 34px; }
.footer__logo-text { font-size: 1.125rem; font-weight: 700; color: var(--white); }
.footer__tagline { font-size: 0.875rem; color: rgba(255, 255, 255, 0.5); max-width: 240px; line-height: 1.5; }
.footer__heading {
  font-size: 0.8125rem; font-weight: 600; color: var(--white);
  text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 1rem;
}
.footer__links { display: flex; flex-direction: column; gap: 0.5rem; }
.footer__links li a {
  font-size: 0.875rem; color: rgba(255, 255, 255, 0.55);
  transition: color var(--transition);
}
.footer__links li a:hover { color: var(--amber-light); }
.footer__bottom {
  margin-top: 3rem; padding: 1.5rem 0;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.8125rem; color: rgba(255, 255, 255, 0.35);
  text-align: center;
}

/* ---------- Breadcrumbs ---------- */
.breadcrumb {
  padding: 1rem 0; font-size: 0.8125rem; color: var(--text-muted);
  display: flex; align-items: center; gap: 0.375rem; flex-wrap: wrap;
}
.breadcrumb a { color: var(--text-muted); }
.breadcrumb a:hover { color: var(--amber); }
.breadcrumb__separator { color: var(--border); }
.breadcrumb__current { color: var(--navy); font-weight: 500; }

/* ---------- Content Pages ---------- */
.page-hero {
  padding: 7rem 0 3rem; background: var(--bg-alt);
  border-bottom: 1px solid var(--border);
}
.page-hero__title { margin-bottom: 0.75rem; }
.page-hero__subtitle { font-size: 1.125rem; color: var(--text-secondary); max-width: 640px; line-height: 1.7; }

/* Content body */
.content { padding: 3rem 0; }
.content__body { max-width: 800px; }
.content__body h2 { margin: 2.5rem 0 1rem; }
.content__body h3 { margin: 2rem 0 0.75rem; }
.content__body p { margin-bottom: 1rem; color: var(--text-secondary); }
.content__body ul, .content__body ol { margin: 1rem 0; padding-left: 1.5rem; }
.content__body ul { list-style: disc; }
.content__body ol { list-style: decimal; }
.content__body li { margin-bottom: 0.5rem; color: var(--text-secondary); }
.content__body strong { color: var(--navy); }
.content__body a { color: var(--amber); text-decoration: underline; text-underline-offset: 2px; }
.content__body a:hover { color: var(--amber-dark); }
.content__body blockquote {
  border-left: 3px solid var(--amber); padding: 1rem 1.5rem;
  background: var(--amber-tint); border-radius: 0 var(--radius) var(--radius) 0;
  margin: 1.5rem 0; font-style: italic;
}

/* ---------- Cards Grid (generic) ---------- */
.cards-grid {
  display: grid; grid-template-columns: 1fr; gap: 1.5rem;
}
@media (min-width: 640px) { .cards-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .cards-grid--3 { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 1024px) { .cards-grid--4 { grid-template-columns: repeat(4, 1fr); } }

.card {
  padding: 1.75rem; border: 1px solid var(--border); border-radius: var(--radius-lg);
  background: var(--white); transition: all var(--transition);
  text-decoration: none; color: inherit; display: block;
}
.card:hover { box-shadow: var(--shadow); border-color: var(--amber); transform: translateY(-2px); color: inherit; }
.card__title { font-size: 1.0625rem; font-weight: 600; margin-bottom: 0.5rem; color: var(--navy); }
.card__text { font-size: 0.9375rem; color: var(--text-secondary); line-height: 1.6; }
.card__link { font-size: 0.875rem; font-weight: 600; color: var(--amber); margin-top: 1rem; display: inline-flex; align-items: center; gap: 0.25rem; }
.card__link::after { content: '\2192'; }

/* ---------- Pricing ---------- */
.pricing-grid {
  display: grid; grid-template-columns: 1fr; gap: 1.5rem;
}
@media (min-width: 768px) { .pricing-grid { grid-template-columns: repeat(3, 1fr); } }
.pricing-card {
  padding: 2rem; border: 1px solid var(--border); border-radius: var(--radius-xl);
  background: var(--white); text-align: center; position: relative;
  transition: all var(--transition);
}
.pricing-card--featured {
  border-color: var(--amber); box-shadow: var(--shadow-amber);
  transform: scale(1.02);
}
.pricing-card--featured::before {
  content: 'Most Popular'; position: absolute; top: -12px; left: 50%; transform: translateX(-50%);
  padding: 0.25rem 1rem; background: var(--amber); color: var(--white);
  font-size: 0.75rem; font-weight: 600; border-radius: 100px;
  text-transform: uppercase; letter-spacing: 0.04em;
}
.pricing-card__name { font-size: 1.25rem; font-weight: 600; margin-bottom: 0.5rem; }
.pricing-card__price { font-size: 2.5rem; font-weight: 800; color: var(--navy); margin-bottom: 0.25rem; }
.pricing-card__price span { font-size: 1rem; font-weight: 500; color: var(--text-muted); }
.pricing-card__desc { font-size: 0.875rem; color: var(--text-secondary); margin-bottom: 1.5rem; }
.pricing-card__features { text-align: left; margin-bottom: 2rem; }
.pricing-card__feature {
  display: flex; align-items: flex-start; gap: 0.5rem;
  padding: 0.5rem 0; font-size: 0.9375rem; color: var(--text-secondary);
}
.pricing-card__check { color: var(--amber); font-weight: 700; flex-shrink: 0; margin-top: 2px; }
.pricing-card .btn { width: 100%; }

/* ---------- Comparison Table ---------- */
.comparison-table {
  width: 100%; border-collapse: collapse; margin: 2rem 0;
  font-size: 0.9375rem;
}
.comparison-table th {
  text-align: left; padding: 1rem; font-weight: 600;
  background: var(--bg-alt); border-bottom: 2px solid var(--border);
}
.comparison-table td {
  padding: 0.875rem 1rem; border-bottom: 1px solid var(--border-light);
  vertical-align: top;
}
.comparison-table tr:hover td { background: var(--amber-tint); }
.tag--good { color: var(--success); font-weight: 600; }
.tag--bad { color: var(--error); font-weight: 600; }
.tag--caution { color: var(--amber); font-weight: 600; }

/* ---------- Related Links ---------- */
.related-links { padding: 3rem 0; border-top: 1px solid var(--border); }
.related-links__title { font-size: 1.25rem; margin-bottom: 1.5rem; }
.related-links__grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 1rem; }
.related-link {
  display: block; padding: 1.25rem; border: 1px solid var(--border);
  border-radius: var(--radius); text-decoration: none; color: var(--navy);
  transition: all var(--transition);
}
.related-link:hover { border-color: var(--amber); background: var(--amber-tint); color: var(--navy); }
.related-link__title { font-weight: 600; font-size: 0.9375rem; margin-bottom: 0.25rem; }
.related-link__desc { font-size: 0.8125rem; color: var(--text-secondary); }

/* ---------- Definition Block ---------- */
.definition-block {
  background: var(--amber-tint); border-left: 3px solid var(--amber);
  padding: 1.5rem; border-radius: 0 var(--radius) var(--radius) 0;
  margin: 1.5rem 0;
}
.definition-block h3 { font-size: 1.125rem; margin-bottom: 0.75rem; }
.definition-block p { font-size: 0.9375rem; color: var(--text-secondary); margin-bottom: 0.5rem; }

/* ---------- Stat Block ---------- */
.stat-block {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1rem; margin: 1.5rem 0;
}
.stat-block li {
  padding: 1rem; background: var(--bg-alt); border-radius: var(--radius);
  text-align: center;
}
.stat-block li strong { display: block; font-size: 1.5rem; color: var(--amber); margin-bottom: 0.25rem; }
.stat-source { font-size: 0.75rem; color: var(--text-muted); }

/* ---------- Step Block ---------- */
.step-block { margin: 1.5rem 0; }
.step-block h3 { margin-bottom: 1rem; }
.step-block ol { padding-left: 1.5rem; list-style: decimal; }
.step-block li { margin-bottom: 0.75rem; color: var(--text-secondary); }

/* ---------- Testimonial Block ---------- */
.testimonial-block {
  border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 2rem; margin: 2rem 0; position: relative;
}
.testimonial-block::before {
  content: '\201C'; font-size: 4rem; line-height: 1; color: var(--amber-tint);
  position: absolute; top: 0.5rem; left: 1rem;
}
.testimonial-block__text { font-size: 1.0625rem; font-style: italic; color: var(--navy); margin-bottom: 1rem; position: relative; z-index: 1; }
.testimonial-block__attribution { font-size: 0.875rem; color: var(--text-muted); }

/* ---------- Consent Banner ---------- */
.consent-banner {
  position: fixed; bottom: 0; left: 0; right: 0; z-index: 200;
  background: var(--navy); color: rgba(255, 255, 255, 0.8);
  padding: 1rem 1.5rem; display: flex; align-items: center;
  justify-content: center; gap: 1.5rem; flex-wrap: wrap;
  font-size: 0.875rem; box-shadow: 0 -4px 16px rgba(0,0,0,0.15);
}
.consent-banner p { margin: 0; }
.consent-banner a { color: var(--amber-light); }
.consent-banner__actions { display: flex; gap: 0.75rem; }
.consent-banner__btn {
  padding: 0.5rem 1rem; border-radius: var(--radius);
  font-size: 0.8125rem; font-weight: 600; cursor: pointer; border: none;
}
.consent-banner__btn--accept { background: var(--amber); color: var(--white); }
.consent-banner__btn--deny { background: rgba(255,255,255,0.1); color: rgba(255,255,255,0.7); }

/* ---------- Advisor Hub/Spoke Specific ---------- */
.advisor-hero {
  padding: 7rem 0 3rem; background: var(--amber-tint);
  border-bottom: 1px solid rgba(217, 119, 6, 0.15);
}
.subtypes-grid {
  display: grid; grid-template-columns: 1fr; gap: 1rem;
}
@media (min-width: 640px) { .subtypes-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .subtypes-grid { grid-template-columns: repeat(3, 1fr); } }

/* ---------- Glossary ---------- */
.glossary-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 1rem;
}
.glossary-card {
  padding: 1.5rem; border: 1px solid var(--border); border-radius: var(--radius);
  transition: all var(--transition);
}
.glossary-card:hover { border-color: var(--amber); }
.glossary-card__term { font-weight: 600; margin-bottom: 0.375rem; }
.glossary-card__def { font-size: 0.875rem; color: var(--text-secondary); line-height: 1.5; }

/* ---------- Contact Page ---------- */
.contact-grid {
  display: grid; grid-template-columns: 1fr; gap: 3rem;
}
@media (min-width: 768px) { .contact-grid { grid-template-columns: 1fr 1fr; } }
.contact-info__item {
  display: flex; align-items: flex-start; gap: 0.75rem;
  margin-bottom: 1.5rem;
}
.contact-info__icon {
  width: 40px; height: 40px; border-radius: var(--radius);
  background: var(--amber-tint); color: var(--amber);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; font-size: 1.125rem;
}
.contact-info__label { font-weight: 600; margin-bottom: 0.125rem; }
.contact-info__value { font-size: 0.9375rem; color: var(--text-secondary); }

/* ---------- Animation Utilities ---------- */
@media (prefers-reduced-motion: no-preference) {
  .fade-up {
    opacity: 0; transform: translateY(24px);
    transition: opacity 0.6s ease, transform 0.6s ease;
  }
  .fade-up.visible { opacity: 1; transform: translateY(0); }
  .fade-up-delay-1 { transition-delay: 0.1s; }
  .fade-up-delay-2 { transition-delay: 0.2s; }
  .fade-up-delay-3 { transition-delay: 0.3s; }
  .fade-up-delay-4 { transition-delay: 0.4s; }
}

/* ---------- Responsive Utilities ---------- */
@media (max-width: 640px) {
  .section { padding: 3.5rem 0; }
  .hero { padding: 6.5rem 0 3rem; }
  .hero__stats { gap: 1.5rem; }
  .hero__stat-value { font-size: 1.5rem; }
  .footer__grid { gap: 1.5rem; }
}