/* ============================================================
   ALTITUDE SMSF ACCOUNTING — v6 Shared Stylesheet
   Brand: Navy #0B1F3A | Gold #B8860B | Warm Off-white #F8F4EF
   Font: Montserrat (Google Fonts)
   ============================================================ */

/* === RESET & BASE === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Montserrat', sans-serif;
  font-weight: 400;
  color: #1a2a3a;
  background: #fff;
  line-height: 1.7;
  overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; font-family: inherit; }
input, textarea, select { font-family: inherit; }

/* === CSS VARIABLES === */
:root {
  color-scheme: light;
  --navy:       #0B1F3A;
  --navy-dark:  #071526;
  --navy-mid:   #132d52;
  --gold:       #B8860B;
  --gold-dark:  #8B5A2B;
  --gold-light: #FFF8E7;
  --gold-mid:   #F5E6C8;
  --offwhite:   #F8F4EF;
  --white:      #ffffff;
  --gray:       #6b7a8d;
  --gray-light: #e8ecf0;
  --text:       #1a2a3a;
  --text-muted: #4a5a6a;
  --radius:     10px;
  --radius-lg:  16px;
  --shadow:     0 4px 20px rgba(11,31,58,0.10);
  --shadow-lg:  0 8px 40px rgba(11,31,58,0.16);
  --transition: 0.25s ease;
  --max-width:  1200px;
}

/* === TYPOGRAPHY === */
h1, h2, h3, h4, h5 { font-weight: 700; line-height: 1.2; color: var(--navy); }
h1 { font-size: clamp(2rem, 5vw, 3.2rem); font-weight: 800; }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.5rem); }
h4 { font-size: 1.1rem; }
p  { color: var(--text-muted); margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

.lead { font-size: 1.15rem; color: var(--text-muted); line-height: 1.8; }

/* === LAYOUT === */
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; }
.section    { padding: 80px 0; }
.section-sm { padding: 48px 0; }
.section-lg { padding: 100px 0; }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.grid-auto { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 28px; }

.text-center { text-align: center; }
.section-header { text-align: center; max-width: 680px; margin: 0 auto 56px; }
.section-header h2 { margin-bottom: 16px; }
.section-header p  { font-size: 1.05rem; margin: 0; }

/* Section label (eyebrow text) */
.eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
}

/* Divider line under section headers */
.header-line {
  width: 40px; height: 2px;
  background: var(--gold);
  border-radius: 1px;
  margin: 16px auto 22px;
}

/* === BUTTONS === */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius);
  font-size: 0.95rem;
  font-weight: 600;
  font-family: inherit;
  border: 2px solid transparent;
  transition: all var(--transition);
  cursor: pointer;
  white-space: nowrap;
  letter-spacing: 0.01em;
}
.btn-primary {
  background: var(--gold);
  color: var(--white);
  border-color: var(--gold);
}
.btn-primary:hover {
  background: var(--gold-dark);
  border-color: var(--gold-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(184,134,11,0.35);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.6);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.12);
  border-color: var(--white);
  transform: translateY(-2px);
}
.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline-navy:hover {
  background: var(--navy);
  color: var(--white);
  transform: translateY(-2px);
}
.btn-outline-gold {
  background: transparent;
  color: var(--gold);
  border-color: var(--gold);
}
.btn-outline-gold:hover {
  background: var(--gold);
  color: var(--white);
  transform: translateY(-2px);
}
.btn-lg { padding: 17px 36px; font-size: 1.05rem; }
.btn-sm { padding: 12px 20px; font-size: 0.88rem; }
.btn-group { display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }

/* Arrow icon */
.arrow { display: inline-block; transition: transform var(--transition); }
.btn:hover .arrow { transform: translateX(4px); }

/* === NAVIGATION === */
.navbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--navy);
  box-shadow: 0 2px 20px rgba(0,0,0,0.25);
}
.nav-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  height: 92px;
}
/* Larger logo */
.nav-logo { justify-self: start; }
.nav-logo img { height: 62px; width: auto; }
.nav-links {
  display: flex;
  align-items: center;
  gap: 2px;
  justify-self: center;
  margin-left: 0;
}
.nav-links > li { position: relative; }
.nav-links > li > a {
  display: block;
  padding: 8px 13px;
  color: rgba(255,255,255,0.85);
  font-size: 0.88rem;
  font-weight: 500;
  border-radius: 6px;
  transition: all var(--transition);
}
.nav-links > li > a:hover,
.nav-links > li > a.active {
  color: var(--white);
  background: rgba(255,255,255,0.08);
}
.nav-links > li > a.active {
  border-bottom: 2px solid var(--gold);
}

/* Dropdown */
.nav-dropdown { position: relative; }
.dropdown-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  min-width: 210px;
  padding: 5px 0;
  z-index: 100;
  border-top: 2px solid var(--gold);
  margin-top: 0;
}
/* Invisible bridge fills the gap so hover isn't lost moving from nav item to menu */
.nav-dropdown::after {
  content: '';
  position: absolute;
  top: 100%;
  left: 0;
  width: 100%;
  height: 12px;
}
.dropdown-menu li a {
  display: block;
  padding: 7px 16px;
  color: var(--navy);
  font-size: 0.78rem;
  font-weight: 500;
  transition: all var(--transition);
}
.dropdown-menu li a:hover {
  background: var(--gold-light);
  color: var(--gold-dark);
  padding-left: 21px;
}
.nav-dropdown:hover .dropdown-menu,
.nav-dropdown:focus-within .dropdown-menu { display: block; }

.nav-cta {
  justify-self: end;
  display: inline-flex;
  align-items: center;
  padding: 10px 22px;
  background: var(--gold);
  color: var(--white);
  border: 2px solid var(--gold);
  border-radius: var(--radius);
  font-size: 0.88rem;
  font-weight: 600;
  transition: all var(--transition);
  white-space: nowrap;
  letter-spacing: 0.01em;
}
.nav-cta:hover {
  background: var(--gold-dark);
  border-color: var(--gold-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(184,134,11,0.35);
}

/* Hamburger */
.nav-toggle {
  display: none;
  background: none;
  border: none;
  color: var(--white);
  font-size: 1.6rem;
  padding: 4px;
  line-height: 1;
  margin-left: auto;
}
.mobile-menu {
  display: none;
  flex-direction: column;
  background: var(--navy-dark);
  padding: 16px 0;
  border-top: 1px solid rgba(255,255,255,0.08);
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  display: block;
  padding: 12px 24px;
  color: rgba(255,255,255,0.85);
  font-size: 0.95rem;
  font-weight: 500;
  border-bottom: 1px solid rgba(255,255,255,0.05);
  transition: all var(--transition);
}
.mobile-menu a:hover { color: var(--gold); background: rgba(255,255,255,0.04); }
.mobile-menu .mobile-cta {
  margin: 16px 24px 8px;
  text-align: center;
  background: var(--gold);
  color: var(--white);
  border-radius: var(--radius);
  font-weight: 600;
  border: none;
}
.mobile-menu .mobile-cta:hover { background: var(--gold-dark); }

/* === HERO — Mountain background === */
.hero {
  background: url('Images/mountain-range-bg.png') center 30% / cover no-repeat;
  position: relative;
  overflow: hidden;
  padding: 200px 0 180px;
  min-height: 88vh;
  display: flex;
  align-items: center;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(7, 21, 38, 0.74);
}
/* Diagonal cut at bottom */
.hero::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0; right: 0;
  height: 80px;
  background: var(--white);
  clip-path: polygon(0 100%, 100% 0, 100% 100%);
}
.hero-inner {
  position: relative;
  z-index: 2;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}
.hero-content {
  max-width: 700px;
  color: var(--white);
}
.hero-content .eyebrow { color: var(--gold); margin-bottom: 20px; }
.hero-content h1 {
  color: var(--white);
  margin-bottom: 24px;
  font-size: clamp(2.4rem, 5.5vw, 3.8rem);
  line-height: 1.15;
}
.hero-content h1 span { color: var(--gold); }
.hero-content p {
  color: rgba(255,255,255,0.82);
  font-size: 1.15rem;
  margin-bottom: 40px;
  line-height: 1.8;
  max-width: 580px;
}
.hero-trust {
  display: flex;
  align-items: center;
  gap: 20px;
  margin-top: 40px;
  flex-wrap: wrap;
}
.hero-trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.75);
  font-size: 0.85rem;
  font-weight: 500;
}
.hero-trust-item .tick {
  width: 20px; height: 20px;
  background: var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.65rem;
  color: white;
  flex-shrink: 0;
}

/* === TRUST STRIP === */
.trust-strip {
  background: var(--white);
  padding: 24px 0;
  border-bottom: 1px solid var(--gray-light);
}
.trust-strip-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 32px;
  flex-wrap: wrap;
}
.trust-strip-label {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--gray);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  white-space: nowrap;
}
.trust-logos {
  display: flex;
  align-items: center;
  gap: 28px;
  flex-wrap: wrap;
  justify-content: center;
}
.trust-logos img { height: 130px; width: auto; opacity: 1; transition: opacity var(--transition); }
.trust-logos img:hover { opacity: 1; }

/* === CARDS === */
.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow);
  transition: all var(--transition);
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.card-icon {
  width: 56px; height: 56px;
  background: var(--gold-light);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 20px;
}
.card h3 { margin-bottom: 10px; font-size: 1.2rem; }
.card p  { font-size: 0.95rem; }

/* Service card */
.service-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  box-shadow: var(--shadow);
  transition: all var(--transition);
  border-left: 4px solid transparent;
}
.service-card:hover {
  border-left-color: var(--gold);
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

/* USP card */
.usp-card {
  text-align: center;
  padding: 32px 24px;
}
.usp-icon {
  font-size: 2.4rem;
  margin-bottom: 16px;
  display: block;
}
.usp-card h3 { font-size: 1.1rem; margin-bottom: 8px; }
.usp-card p  { font-size: 0.93rem; color: rgba(255,255,255,0.7); }

/* Review card */
.review-card {
  background: #F8F4EF;
  border-radius: var(--radius-lg);
  padding: 28px 32px;
  box-shadow: var(--shadow);
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}
.review-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.review-stars { color: #fbbc04; font-size: 1.2rem; margin-bottom: 14px; letter-spacing: 2px; }
.review-text { font-size: 0.97rem; color: var(--text-muted); font-style: italic; line-height: 1.75; margin-bottom: 20px; flex: 1; }
.review-author { display: flex; align-items: center; gap: 12px; }
.review-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--gold);
  color: white;
  font-weight: 700;
  font-size: 1.1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.review-name { font-weight: 700; font-size: 0.95rem; color: var(--navy); }
.review-date { font-size: 0.8rem; color: var(--gray); }
.google-badge {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.78rem;
  color: var(--gray);
  margin-top: 4px;
}

/* Tool preview card */
.tool-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow);
  transition: all var(--transition);
  border-bottom: 3px solid transparent;
  text-align: center;
}
.tool-card:hover {
  border-bottom-color: var(--gold);
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.tool-card .tool-icon { font-size: 2.6rem; margin-bottom: 16px; }
.tool-card h3 { font-size: 1.1rem; margin-bottom: 8px; }
.tool-card p  { font-size: 0.9rem; margin-bottom: 18px; }
.tool-card .tool-link {
  color: var(--gold);
  font-weight: 600;
  font-size: 0.9rem;
  display: inline-flex;
  align-items: center;
  gap: 4px;
  transition: gap var(--transition);
}
.tool-card:hover .tool-link { gap: 8px; }

/* Tools card (Option A) */
.tools-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-light);
  box-shadow: var(--shadow);
  display: flex;
  align-items: center;
  gap: 48px;
  padding: 40px 24px 40px 48px;
  overflow: hidden;
}
.tools-card-content { flex: 1; }
.tools-card-content h2 { margin-bottom: 12px; }
.tools-card-content p { font-size: 0.95rem; color: var(--gray); margin-bottom: 20px; }
.tools-card-img {
  flex: 0 0 300px;
  width: 300px;
  align-self: stretch;
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 3px solid var(--gold);
}
.tools-card-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  display: block;
}
.tools-feature-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.tools-feature-list li {
  font-size: 0.93rem;
  color: var(--navy);
  font-weight: 500;
  padding-left: 20px;
  position: relative;
}
.tools-feature-list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold);
}
@media (max-width: 768px) {
  .tools-card { flex-direction: column; padding: 32px 24px; }
  .tools-card-img { flex: none; width: 100%; height: 220px; }
}

/* Blog preview card */
.blog-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: all var(--transition);
}
.blog-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.blog-card-img { height: 200px; overflow: hidden; }
.blog-card-img img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.4s ease; }
.blog-card:hover .blog-card-img img { transform: scale(1.06); }
.blog-card-body { padding: 24px; }
.blog-tag {
  display: inline-block;
  background: var(--gold-light);
  color: var(--gold-dark);
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 4px 10px;
  border-radius: 20px;
  margin-bottom: 12px;
}
.blog-card-body h3 { font-size: 1.05rem; margin-bottom: 10px; line-height: 1.4; }
.blog-card-body p  { font-size: 0.9rem; margin-bottom: 16px; }
.blog-meta { font-size: 0.8rem; color: var(--gray); display: flex; align-items: center; gap: 12px; }
.blog-meta span { display: flex; align-items: center; gap: 4px; }
.read-more { color: var(--gold); font-weight: 600; font-size: 0.88rem; display: inline-flex; align-items: center; gap: 4px; transition: gap var(--transition); }
.blog-card:hover .read-more { gap: 8px; }

/* === SECTIONS — BACKGROUNDS === */
.bg-navy    { background: var(--navy); }
.bg-navy-dark { background: var(--navy-dark); }
.bg-offwhite { background: var(--offwhite); }
.bg-warm    { background: var(--gold-light); }
.bg-gradient { background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-mid) 100%); }
.bg-gold-gradient { background: linear-gradient(135deg, var(--gold-dark) 0%, var(--gold) 100%); }

.bg-navy h1, .bg-navy h2, .bg-navy h3, .bg-navy h4, .bg-navy h5,
.bg-navy-dark h1, .bg-navy-dark h2, .bg-navy-dark h3,
.bg-gradient h1, .bg-gradient h2, .bg-gradient h3 { color: var(--white); }
.bg-navy p, .bg-navy-dark p, .bg-gradient p { color: rgba(255,255,255,0.75); }
.bg-navy .eyebrow, .bg-navy-dark .eyebrow, .bg-gradient .eyebrow { color: var(--gold); }

/* Engagement strip */
.engage-section {
  background: var(--white);
  padding: 56px 0;
  border-top: 1px solid rgba(11,31,58,0.08);
}
.engage-grid {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 0 48px;
  align-items: center;
}
.engage-panel {
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.engage-icon {
  width: 52px; height: 52px;
  background: rgba(184,134,11,0.14);
  border: 1px solid rgba(184,134,11,0.32);
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
}
.engage-text h3 { color: var(--navy); font-size: 1.3rem; margin-bottom: 8px; }
.engage-text p { color: var(--text-muted); font-size: 0.93rem; margin: 0; line-height: 1.6; }
.engage-divider {
  width: 1px;
  height: 180px;
  background: rgba(11,31,58,0.12);
}
@media (max-width: 768px) {
  .engage-grid { grid-template-columns: 1fr; gap: 40px; }
  .engage-divider { width: 100%; height: 1px; }
}

/* CTA banner */
.cta-section {
  background: linear-gradient(135deg, var(--navy-dark) 0%, #0d3060 100%);
  padding: 90px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  top: -40%; left: -10%;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(184,134,11,0.10) 0%, transparent 70%);
}
.cta-section::after {
  content: '';
  position: absolute;
  bottom: -30%; right: -5%;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(184,134,11,0.06) 0%, transparent 70%);
}
.cta-section .container { position: relative; z-index: 1; }
.cta-section h2 { color: var(--white); margin-bottom: 16px; }
.cta-section p  { color: rgba(255,255,255,0.75); font-size: 1.1rem; margin-bottom: 36px; }

/* === QUIZ WIDGET === */
.quiz-widget {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  max-width: 760px;
  margin: 0 auto;
}
.quiz-header {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 28px 36px;
  color: var(--white);
}
.quiz-header h3 { color: var(--white); font-size: 1.3rem; margin-bottom: 6px; }
.quiz-header p  { color: rgba(255,255,255,0.75); font-size: 0.9rem; margin: 0; }
.quiz-progress-bar {
  height: 5px;
  background: rgba(255,255,255,0.15);
  border-radius: 3px;
  margin-top: 16px;
  overflow: hidden;
}
.quiz-progress-fill {
  height: 100%;
  background: var(--gold);
  border-radius: 3px;
  transition: width 0.4s ease;
}
.quiz-body { padding: 36px; }
.quiz-question { font-size: 1.1rem; font-weight: 600; color: var(--navy); margin-bottom: 24px; line-height: 1.5; }
.quiz-options { display: flex; flex-direction: column; gap: 12px; }
.quiz-option {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 20px;
  border: 2px solid var(--gray-light);
  border-radius: var(--radius);
  cursor: pointer;
  transition: all var(--transition);
  font-size: 0.97rem;
  color: var(--text);
  font-weight: 500;
  background: var(--white);
  text-align: left;
  width: 100%;
}
.quiz-option:hover { border-color: var(--gold); background: var(--gold-light); color: var(--navy); }
.quiz-option.selected { border-color: var(--gold); background: var(--gold-light); color: var(--navy); }
.quiz-option .opt-radio {
  width: 20px; height: 20px;
  border: 2px solid var(--gray-light);
  border-radius: 50%;
  flex-shrink: 0;
  transition: all var(--transition);
  display: flex; align-items: center; justify-content: center;
}
.quiz-option.selected .opt-radio,
.quiz-option:hover .opt-radio { border-color: var(--gold); }
.quiz-option.selected .opt-radio::after {
  content: '';
  width: 10px; height: 10px;
  background: var(--gold);
  border-radius: 50%;
  display: block;
}
.quiz-nav { display: flex; justify-content: space-between; align-items: center; margin-top: 28px; gap: 12px; }
.quiz-step-label { font-size: 0.85rem; color: var(--gray); font-weight: 500; }
.quiz-result { text-align: center; }
.quiz-result-icon { font-size: 3.5rem; margin-bottom: 16px; }
.quiz-result h3 { color: var(--navy); font-size: 1.5rem; margin-bottom: 12px; }
.quiz-result p  { color: var(--text-muted); margin-bottom: 24px; }

/* === CALCULATOR WIDGET === */
.calc-widget {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  overflow: hidden;
}
.calc-header {
  background: var(--navy);
  padding: 20px 28px;
  display: flex;
  align-items: center;
  gap: 14px;
}
.calc-header-icon { font-size: 1.6rem; }
.calc-header h3 { color: var(--white); font-size: 1.15rem; margin: 0; }
.calc-body { padding: 28px; }
.form-group { margin-bottom: 20px; }
.form-label {
  display: block;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 7px;
}
.form-label .label-hint { font-weight: 400; color: var(--gray); font-size: 0.8rem; }
.form-input, .form-select, .form-textarea {
  width: 100%;
  padding: 12px 16px;
  border: 2px solid var(--gray-light);
  border-radius: var(--radius);
  font-size: 0.95rem;
  color: var(--text);
  transition: border-color var(--transition);
  background: var(--white);
}
.form-input:focus, .form-select:focus, .form-textarea:focus {
  outline: none;
  border-color: var(--gold);
}
.form-input[type="number"] { -moz-appearance: textfield; }
.form-input[type="number"]::-webkit-outer-spin-button,
.form-input[type="number"]::-webkit-inner-spin-button { -webkit-appearance: none; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.input-prefix-wrap { position: relative; }
.input-prefix {
  position: absolute;
  left: 14px; top: 50%;
  transform: translateY(-50%);
  color: var(--gray);
  font-weight: 600;
  font-size: 0.95rem;
  pointer-events: none;
}
.input-prefix + .form-input { padding-left: 28px; }

.calc-result {
  background: var(--offwhite);
  border-radius: var(--radius);
  padding: 24px;
  margin-top: 24px;
}
.calc-result-title { font-size: 0.78rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--gray); margin-bottom: 16px; }
.result-row { display: flex; justify-content: space-between; align-items: center; padding: 10px 0; border-bottom: 1px solid var(--gray-light); }
.result-row:last-child { border-bottom: none; }
.result-label { font-size: 0.9rem; color: var(--text-muted); }
.result-value { font-size: 1rem; font-weight: 700; color: var(--navy); }
.result-value.positive { color: #16a34a; }
.result-value.warning  { color: #d97706; }
.result-value.negative { color: #dc2626; }
.result-note { font-size: 0.82rem; color: var(--gray); margin-top: 14px; font-style: italic; }

/* Tabs */
.tabs { display: flex; gap: 4px; overflow-x: auto; padding-bottom: 2px; }
.tab-btn {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 12px 22px;
  background: var(--white);
  border: 2px solid var(--gray-light);
  border-radius: var(--radius) var(--radius) 0 0;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--gray);
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
  font-family: inherit;
}
.tab-btn:hover { color: var(--navy); border-color: var(--navy); }
.tab-btn.active { background: var(--navy); border-color: var(--navy); color: var(--white); }
.tab-panel { display: none; }
.tab-panel.active { display: block; }

/* Accordion */
.accordion-item { border-bottom: 1px solid var(--gray-light); overflow: hidden; }
.accordion-btn {
  display: flex;
  justify-content: space-between;
  align-items: center;
  width: 100%;
  padding: 20px 0;
  background: none;
  border: none;
  text-align: left;
  font-family: inherit;
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  gap: 16px;
  transition: color var(--transition);
}
.accordion-btn:hover { color: var(--gold); }
.accordion-icon { font-size: 1.2rem; transition: transform var(--transition); flex-shrink: 0; color: var(--gold); }
.accordion-btn.open .accordion-icon { transform: rotate(45deg); }
.accordion-body { display: none; padding: 0 0 20px; }
.accordion-body.open { display: block; }
.accordion-body p { font-size: 0.97rem; }

/* Pricing table */
.pricing-table { width: 100%; border-collapse: collapse; font-size: 0.9rem; }
.pricing-table th {
  background: var(--navy);
  color: var(--white);
  padding: 14px 18px;
  text-align: center;
  font-weight: 700;
  font-size: 0.85rem;
}
.pricing-table th:first-child { text-align: left; border-radius: var(--radius) 0 0 0; }
.pricing-table th:last-child { border-radius: 0 var(--radius) 0 0; }
.pricing-table th.highlight { background: var(--gold); }
.pricing-table td { padding: 13px 18px; border-bottom: 1px solid var(--gray-light); vertical-align: middle; text-align: center; }
.pricing-table td:first-child { text-align: left; font-weight: 500; color: var(--navy); }
.pricing-table tr:hover td { background: var(--offwhite); }
.pricing-table .check { color: #16a34a; font-size: 1.2rem; }
.pricing-table .dash  { color: var(--gray); }
.pricing-table .group-header td { background: var(--offwhite); font-weight: 700; color: var(--navy); font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.06em; }
.price-tag { display: block; font-size: 1.4rem; font-weight: 800; color: var(--navy); margin-bottom: 2px; }
.price-label { font-size: 0.78rem; font-weight: 400; color: var(--gray); }
.pricing-card {
  background: var(--white);
  border: 2px solid var(--gray-light);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  text-align: center;
  transition: all var(--transition);
  position: relative;
}
.pricing-card:hover, .pricing-card.featured {
  border-color: var(--gold);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}
.pricing-badge {
  position: absolute;
  top: -14px; left: 50%;
  transform: translateX(-50%);
  background: var(--gold);
  color: white;
  font-size: 0.75rem;
  font-weight: 700;
  padding: 4px 16px;
  border-radius: 20px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  white-space: nowrap;
}
.pricing-card h3 { color: var(--navy); margin-bottom: 8px; font-size: 1.3rem; }
.pricing-card .price { font-size: 2.2rem; font-weight: 800; color: var(--navy); margin: 16px 0 4px; }
.pricing-card .price-suffix { font-size: 0.9rem; font-weight: 400; color: var(--gray); }
.pricing-card ul { text-align: left; margin: 20px 0; }
.pricing-card ul li { padding: 6px 0; border-bottom: 1px solid var(--gray-light); font-size: 0.9rem; display: flex; align-items: flex-start; gap: 8px; color: var(--text-muted); }
.pricing-card ul li::before { content: '✓'; color: var(--gold); font-weight: 700; flex-shrink: 0; margin-top: 1px; }

/* Stat cards */
.stat-card { text-align: center; padding: 24px; }
.stat-number { font-size: 2.8rem; font-weight: 800; color: var(--gold); line-height: 1; }
.stat-label  { font-size: 0.88rem; font-weight: 500; color: rgba(255,255,255,0.75); margin-top: 6px; }

/* Alert / disclaimer box */
.alert-box {
  background: var(--gold-light);
  border-left: 4px solid var(--gold);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 16px 20px;
  margin: 20px 0;
}
.alert-box p { font-size: 0.88rem; color: var(--text); margin: 0; }

/* Contact form */
.form-textarea { resize: vertical; min-height: 130px; }
.contact-info-item { display: flex; align-items: flex-start; gap: 14px; margin-bottom: 24px; }
.contact-icon {
  width: 44px; height: 44px;
  background: var(--gold-light);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
}
.contact-info-item h4 { font-size: 0.88rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--gray); margin-bottom: 4px; }
.contact-info-item p  { font-size: 1rem; font-weight: 600; color: var(--navy); margin: 0; }
.contact-info-item a  { color: var(--navy); font-weight: 600; transition: color var(--transition); }
.contact-info-item a:hover { color: var(--gold); }

/* Founder section */
.founder-photo-wrap { position: relative; display: inline-block; }
.founder-photo-wrap img { border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); }
.founder-badge {
  position: absolute;
  bottom: -20px; right: -20px;
  background: var(--gold);
  color: white;
  border-radius: var(--radius);
  padding: 14px 18px;
  text-align: center;
  box-shadow: var(--shadow-lg);
  min-width: 120px;
}
.founder-badge .badge-num { font-size: 1.8rem; font-weight: 800; line-height: 1; display: block; }
.founder-badge .badge-txt { font-size: 0.78rem; font-weight: 500; opacity: 0.9; }

/* === FOOTER — Simple/original inspired === */
.footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.7);
  padding: 40px 0 0;
}
.footer-simple {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px 32px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 20px;
}
.footer-simple-logo img { height: 56px; width: auto; margin: 0 auto; }
.footer-simple-contact {
  font-size: 0.95rem;
  color: rgba(255,255,255,0.75);
  line-height: 2;
}
.footer-simple-contact a { color: rgba(255,255,255,0.85); transition: color var(--transition); }
.footer-simple-contact a:hover { color: var(--gold); }
.footer-simple-links {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
  justify-content: center;
}
.footer-simple-links a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
  transition: color var(--transition);
}
.footer-simple-links a:hover { color: var(--gold); }
.footer-creds {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 20px 0;
  border-top: 1px solid rgba(255,255,255,0.06);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  flex-wrap: wrap;
  justify-content: center;
  width: 100%;
}
.footer-creds img { height: 32px; width: auto; opacity: 0.55; transition: opacity var(--transition); }
.footer-creds img:hover { opacity: 0.9; }
.footer-copyright {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.4);
  padding-bottom: 24px;
}
/* Disclaimer */
.site-disclaimer {
  background: rgba(0,0,0,0.25);
  padding: 16px 24px;
  text-align: center;
}
.site-disclaimer p { font-size: 0.78rem; color: rgba(255,255,255,0.32); margin: 0; line-height: 1.6; }

/* MailerLite overrides */
.ml-embedded { border-radius: var(--radius-lg); overflow: hidden; }

/* Newsletter section (legacy standalone) */
.newsletter-section { background: var(--navy); padding: 64px 0; }
.newsletter-inner { max-width: 640px; margin: 0 auto; text-align: center; }
.newsletter-inner h2 { color: var(--white); margin-bottom: 12px; }
.newsletter-inner > p { color: rgba(255,255,255,0.75); margin-bottom: 28px; font-size: 0.95rem; }
.newsletter-disclaimer {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.45);
  line-height: 1.6;
}
.newsletter-disclaimer a { color: rgba(255,255,255,0.65); text-decoration: underline; }
.newsletter-disclaimer a:hover { color: var(--gold); }

/* === BLOG + NEWSLETTER COMBINED SECTION === */
.blog-newsletter-grid {
  display: grid;
  grid-template-columns: 3fr 2fr;
  gap: 56px;
  align-items: stretch;
}
.blog-newsletter-right {
  display: flex;
  flex-direction: column;
}

/* Horizontal blog cards */
.blog-h-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.blog-card-h {
  display: flex;
  gap: 20px;
  align-items: center;
  background: var(--white);
  border-radius: 12px;
  border: 1px solid var(--gray-light);
  padding: 16px;
  text-decoration: none;
  color: inherit;
  transition: box-shadow var(--transition), transform var(--transition);
}
.blog-card-h:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}
.blog-card-h-img {
  width: 160px;
  height: 135px;
  flex-shrink: 0;
  border-radius: 8px;
  overflow: hidden;
}
.blog-card-h-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.4s ease;
}
.blog-card-h:hover .blog-card-h-img img {
  transform: scale(1.05);
}
.blog-card-h-body { flex: 1; }
.blog-card-h-meta {          /* item 3: eyebrow above title */
  display: block;
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 5px;
}
.blog-card-h-body h3 {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.4;
  margin-bottom: 6px;
}
.blog-card-h-body p {
  font-size: 0.82rem;
  color: var(--gray);
  line-height: 1.55;
  margin-bottom: 10px;
}


/* Blog article pill link */
.blog-pill {
  display: inline-block;
  font-size: 0.76rem;
  font-weight: 700;
  color: #B8860B;
  background: rgba(184,134,11,0.10);
  border: 1px solid rgba(184,134,11,0.30);
  border-radius: 20px;
  padding: 4px 12px;
  letter-spacing: 0.03em;
  transition: background 0.2s, color 0.2s;
}
.blog-card-h:hover .blog-pill {
  background: #B8860B;
  color: #ffffff;
}
/* Newsletter card (right column) */
.newsletter-card {
  background: var(--navy);
  border-radius: 16px;
  padding: 28px 24px;
  flex: 1;
}

/* Responsive */
@media (max-width: 900px) {
  .blog-newsletter-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .newsletter-card { position: static; }
}

/* Page hero (inner pages) */
.page-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  min-height: 88vh;
  padding: 200px 0 120px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 80% 50%, rgba(184,134,11,0.08) 0%, transparent 60%);
}
.page-hero::after {
  content: '';
  position: absolute;
  bottom: -1px; left: 0; right: 0;
  height: 50px;
  background: var(--white);
  clip-path: polygon(0 100%, 100% 30%, 100% 100%);
}
.page-hero-inner {
  position: relative;
  z-index: 2;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}
.page-hero h1 { color: var(--white); margin-bottom: 14px; }
.page-hero p  { color: rgba(255,255,255,0.75); font-size: 1.1rem; max-width: 600px; }
.page-hero .eyebrow { color: var(--gold); }
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 16px;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
}
.breadcrumb a { color: rgba(255,255,255,0.5); transition: color var(--transition); }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb span { color: rgba(255,255,255,0.3); }

/* Scroll-to-top */
.scroll-top {
  position: fixed;
  bottom: 28px; right: 28px;
  width: 44px; height: 44px;
  background: var(--gold);
  color: white;
  border: none;
  border-radius: 50%;
  font-size: 1.3rem;
  font-weight: 900;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  box-shadow: 0 4px 16px rgba(184,134,11,0.4);
  transition: all var(--transition);
  opacity: 0;
  pointer-events: none;
  z-index: 900;
}
.scroll-top.visible { opacity: 1; pointer-events: auto; }
.scroll-top:hover { background: var(--gold-dark); transform: translateY(-3px); box-shadow: 0 4px 16px rgba(184,134,11,0.4); }

/* === ANIMATIONS === */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(28px); }
  to   { opacity: 1; transform: translateY(0); }
}
.fade-up { opacity: 0; }
.fade-up.visible { animation: fadeUp 0.55s ease forwards; }
.fade-up:nth-child(2) { animation-delay: 0.1s; }
.fade-up:nth-child(3) { animation-delay: 0.2s; }
.fade-up:nth-child(4) { animation-delay: 0.3s; }

/* === UTILITY === */
.mt-8  { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mb-8  { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.text-gold  { color: var(--gold); }
.text-navy  { color: var(--navy); }
.text-white { color: var(--white); }
.font-600 { font-weight: 600; }
.font-700 { font-weight: 700; }
.font-800 { font-weight: 800; }
.hidden { display: none !important; }

/* === RESPONSIVE === */
@media (max-width: 1100px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}
@media (max-width: 900px) {
  .page-hero  { min-height: 60vh; padding: 130px 0 80px; }
  .grid-2     { grid-template-columns: 1fr; }
  .grid-3     { grid-template-columns: 1fr 1fr; }
  .grid-4     { grid-template-columns: 1fr 1fr; }
  /* Centre lone 3rd card in 2-col layout */
  .grid-3 > *:nth-child(3):last-child { grid-column: 1 / -1; max-width: 460px; margin: 0 auto; }
  .hero { min-height: auto; padding: 120px 0 100px; }
  /* Centre hero text on tablet/mobile */
  .hero-content { text-align: center; max-width: 100%; }
  .hero-content p { margin-left: auto; margin-right: auto; }
  .btn-group  { justify-content: center; }
  .nav-links, .nav-cta { display: none; }
  .nav-toggle { display: block; }
  .nav-inner { grid-template-columns: 1fr auto; height: 72px; }
  .form-row   { grid-template-columns: 1fr; }
  .pricing-table th:nth-child(4), .pricing-table td:nth-child(4) { display: none; }
}
@media (max-width: 600px) {
  .section    { padding: 56px 0; }
  .section-lg { padding: 70px 0; }
  h1 { font-size: 2rem; }
  h2 { font-size: 1.6rem; }
  .grid-3, .grid-4 { grid-template-columns: 1fr; }
  /* Remove lone-card centering override at single column */
  .grid-3 > *:nth-child(3):last-child { grid-column: auto; max-width: none; margin: 0; }
  .footer-simple-contact { font-size: 0.88rem; }
  .scroll-top { bottom: 16px; right: 16px; }
  .quiz-body { padding: 24px 20px; }
  .quiz-header { padding: 20px 24px; }
  .calc-body { padding: 20px; }
}
@media (max-width: 500px) {
  /* Stack horizontal blog cards vertically on small screens */
  .blog-card-h { flex-direction: column; }
  .blog-card-h-img { width: 100%; height: 180px; flex-shrink: unset; }
  /* Improve hero h1 line break on narrow screens */
  .hero-content h1 br { display: none; }
}
@media print {
  .navbar, .footer, .scroll-top, .nav-toggle { display: none; }
  body { font-size: 12pt; }
}

/* Service feature card (3-up homepage variant) */
.service-feature-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-light);
  border-bottom: 3px solid var(--gold);
  padding: 32px 28px;
  transition: box-shadow var(--transition), transform var(--transition);
}
.service-feature-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
}
.service-feature-card h3 { font-size: 1.05rem; margin-bottom: 10px; }
.service-feature-card p  { font-size: 0.92rem; color: var(--gray); margin-bottom: 18px; line-height: 1.6; }

/* === FOUNDER QUOTE SECTION === */
.founder-quote-section {
  background: var(--navy);
  padding: 72px 0;
}

/* Two-column grid */
.founder-quote-grid {
  display: grid;
  grid-template-columns: 1.25fr 1fr;
  gap: 72px;
  align-items: center;
}
.founder-quote-left { text-align: left; }

/* Quote mark */
.founder-quote-mark {
  font-size: 4.5rem;
  line-height: 0.7;
  color: var(--gold);
  font-family: Georgia, 'Times New Roman', serif;
  display: block;
  margin-bottom: 20px;
  opacity: 0.5;
}

/* Quote text */
.founder-quote-text {
  font-size: clamp(1.05rem, 2.2vw, 1.35rem);
  color: rgba(255,255,255,0.92);
  font-style: italic;
  line-height: 1.8;
  max-width: 780px;
  margin: 0 auto 40px;
  font-weight: 500;
}

/* Attribution (legacy pill — kept for other pages) */
.founder-attribution {
  display: inline-flex;
  align-items: center;
  gap: 24px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 80px;
  padding: 14px 32px 14px 14px;
}
.founder-avatar-circle {
  width: 112px; height: 112px;
  border-radius: 50%;
  overflow: hidden;
  border: 3px solid var(--gold);
  flex-shrink: 0;
}
.founder-avatar-circle img { width: 100%; height: 100%; object-fit: cover; }
.founder-attribution-text { text-align: left; }
.founder-attribution-name { color: white; font-weight: 700; font-size: 0.95rem; }
.founder-attribution-role { color: rgba(255,255,255,0.55); font-size: 0.8rem; margin-top: 2px; }
.founder-attribution-creds { color: var(--gold); font-size: 0.75rem; font-weight: 600; margin-top: 2px; }

/* Gold divider */
.gold-divider {
  width: 60px; height: 3px;
  background: var(--gold);
  border-radius: 2px;
  margin: 0 auto 32px;
}

/* Right-column profile card — Option C: full-bleed image with gradient overlay */
.founder-quote-right { max-width: 380px; margin: 0 0 0 auto; }
.founder-profile-card {
  border-radius: 16px;
  overflow: hidden;
  position: relative;
}
.founder-profile-img {
  width: 100%;
  aspect-ratio: 4 / 5;
  overflow: hidden;
  position: relative;
}
.founder-profile-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  display: block;
}
.founder-profile-overlay {
  position: absolute;
  bottom: 0; left: 0; right: 0;
  background: linear-gradient(to top, rgba(7,21,38,0.95) 0%, rgba(7,21,38,0.65) 45%, transparent 100%);
  padding: 48px 24px 28px;
  text-align: center;
}
.founder-profile-divider {
  width: 40px; height: 2px;
  background: rgba(184,134,11,0.6);
  margin: 14px auto;
}
.founder-cred-list {
  font-size: 0.7rem;
  font-weight: 700;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  line-height: 1.5;
  white-space: nowrap;
}

/* Responsive: stack on mobile */
@media (max-width: 768px) {
  .founder-quote-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .founder-quote-right { max-width: 400px; margin: 0 auto; }
}

/* === SMSF EXPLAINER CARDS === */
.smsf-explainer-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  box-shadow: var(--shadow);
  border-top: 4px solid var(--gold);
  transition: all var(--transition);
}
.smsf-explainer-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.smsf-explainer-icon {
  width: 60px;
  height: 60px;
  background: var(--gold-light);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 22px;
}
.smsf-explainer-card h3 { font-size: 1.1rem; margin-bottom: 12px; }
.smsf-explainer-card p { font-size: 0.93rem; }

/* === FOOTER V2 — Two column === */
.footer-v2 { background: var(--navy-dark); }
.footer-v2-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 48px 24px 0;
}
.footer-v2-top {
  display: flex;
  align-items: center;
  gap: 20px;
  padding-bottom: 28px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-v2-logo { height: 48px; width: auto; max-width: 200px; }
.footer-v2-top-divider { width: 1px; height: 36px; background: rgba(255,255,255,0.15); flex-shrink: 0; }
.footer-v2-tagline {
  font-size: 0.88rem;
  font-style: italic;
  color: rgba(255,255,255,0.5);
  margin: 0;
}
.footer-v2-main {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 48px;
  padding: 36px 0 0;
}
.footer-v2-contact {
  display: flex;
  flex-direction: column;
}
.footer-v2-contact h4,
.footer-v2-links h4 {
  color: white;
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  margin: 0 0 8px;
}
.footer-v2-contact-item {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 6px;
  font-size: 0.88rem;
}
.footer-v2-contact-item .fi { color: var(--gold); font-size: 1.1rem; flex-shrink: 0; }
.footer-v2-contact-item a,
.footer-v2-contact-item span { color: rgba(255,255,255,0.72); transition: color var(--transition); }
.footer-v2-contact-item a:hover { color: var(--gold); }
.footer-v2-links ul {
  display: grid;
  grid-template-columns: auto auto;
  gap: 5px 140px;
  width: fit-content;
}
.footer-v2-links ul li a {
  color: rgba(255,255,255,0.72);
  font-size: 0.88rem;
  transition: color var(--transition);
}
.footer-v2-links ul li a:hover { color: var(--gold); }
.footer-v2-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  border-top: 1px solid rgba(255,255,255,0.08);
  margin-top: 32px;
  padding: 16px 0;
}
.footer-v2-bottom p {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.72);
  margin: 0;
}
.footer-v2-disclaimer-text {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.72);
  line-height: 1.6;
  margin: 0;
  padding: 12px 0 24px;
}
.footer-v2-legal { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.footer-v2-legal-sep { color: rgba(255,255,255,0.4); font-size: 0.72rem; }
.footer-v2-legal a { font-size: 0.72rem; color: rgba(255,255,255,0.72); text-decoration: underline; text-decoration-color: rgba(255,255,255,0.72); text-underline-offset: 2px; transition: color var(--transition); white-space: nowrap; }
.footer-v2-legal a:hover { color: var(--gold); text-decoration-color: var(--gold); }
@media (max-width: 700px) {
  .footer-v2-top { flex-direction: column; align-items: flex-start; gap: 12px; }
  .footer-v2-top-divider { display: none; }
  .footer-v2-main { grid-template-columns: 1fr; gap: 32px; }
  .footer-v2-bottom { flex-direction: column; align-items: flex-start; gap: 12px; }
  .footer-v2-links ul { grid-template-columns: 1fr 1fr; }
}

/* === HERO VALUE STRIP === */
.hero-value-strip {
  background: var(--white);
  padding: 36px 0;
  border-bottom: 1px solid var(--gray-light);
}
.hvs-inner {
  display: flex;
  align-items: center;
  gap: 48px;
  flex-wrap: wrap;
}
.hvs-text {
  flex: 1;
  min-width: 260px;
  font-size: 1.05rem;
  color: var(--text-muted);
  margin: 0;
  line-height: 1.75;
}
.hvs-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 14px 24px;
  flex-shrink: 0;
}
.hvs-trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy);
  white-space: nowrap;
}
.hvs-tick {
  width: 20px; height: 20px;
  background: var(--gold);
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.62rem;
  color: white;
  flex-shrink: 0;
}
@media (max-width: 800px) {
  .hvs-inner { flex-direction: column; align-items: flex-start; gap: 24px; }
  .hvs-trust { gap: 12px 20px; }
}

/* === USP ICON BOX (navy section) === */
.usp-icon-box {
  width: 56px; height: 56px;
  background: rgba(184,134,11,0.14);
  border: 1px solid rgba(184,134,11,0.28);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}
.usp-png-icon {
  width: 30px;
  height: 30px;
  object-fit: contain;
  filter: brightness(0) invert(1);
}

/* === CONSISTENT CARD TYPOGRAPHY === */
.service-card h3 { font-size: 1.1rem; }
.service-card p  { font-size: 0.93rem; }
.tool-card h3    { font-size: 1.1rem; }
.tool-card p     { font-size: 0.93rem; }
.blog-card-body h3 { font-size: 1.05rem; }
.blog-card-body p  { font-size: 0.92rem; }

/* Footer brand column — push CTA button to bottom */
.footer-v2-brand-cta { margin-top: 18px; }

/* Tool card — centre card-icon within text-centred card */
.tool-card .card-icon { margin-left: auto; margin-right: auto; }

/* Footer social icons */
.footer-social {
  display: flex;
  gap: 12px;
  margin-top: 16px;
}
.footer-social-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.6);
  transition: color var(--transition);
  text-decoration: none;
}
.footer-social-icon:hover {
  color: var(--gold);
}