/* ==========================================================================
   HA Financial Solutions — Shared Stylesheet
   ========================================================================== */

:root {
  --navy-900: #0a1628;
  --navy-800: #0f2038;
  --navy-700: #142a48;
  --navy-600: #1c3860;
  --steel:    #2c4a70;
  --gold:     #c9a24b;
  --gold-lt:  #e2c579;
  --cream:    #f4f1ea;
  --paper:    #ffffff;
  --ink:      #1a2436;
  --muted:    #5c6b82;
  --line:     #e2e5ea;
  --shadow:   0 18px 40px -18px rgba(10, 22, 40, 0.35);
  --radius:   6px;
  --wrap:     1160px;
  --serif:    'Georgia', 'Times New Roman', serif;
  --sans:     'Segoe UI', 'Helvetica Neue', Arial, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--sans);
  color: var(--ink);
  line-height: 1.65;
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }

.wrap { width: min(var(--wrap), 92%); margin-inline: auto; }

h1, h2, h3 { font-family: var(--serif); font-weight: 600; line-height: 1.2; }

.eyebrow {
  text-transform: uppercase;
  letter-spacing: 3px;
  font-size: 12px;
  font-weight: 700;
  color: var(--gold);
  margin-bottom: 14px;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 13px 30px;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.5px;
  border-radius: var(--radius);
  border: 1px solid transparent;
  cursor: pointer;
  transition: all .25s ease;
}
.btn-gold { background: var(--gold); color: var(--navy-900); }
.btn-gold:hover { background: var(--gold-lt); transform: translateY(-2px); }
.btn-outline { border-color: rgba(255,255,255,.5); color: #fff; }
.btn-outline:hover { background: #fff; color: var(--navy-900); }
.btn-navy { background: var(--navy-800); color: #fff; }
.btn-navy:hover { background: var(--navy-600); transform: translateY(-2px); }

/* ==========================================================================
   Header / Navigation
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--navy-900);
  border-bottom: 1px solid rgba(255,255,255,.07);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
}
.brand { display: flex; align-items: center; gap: 12px; color: #fff; }
.brand-logo { height: 60px; width: auto; display: block; transition: transform .25s ease; }
.brand:hover .brand-logo { transform: scale(1.04); }
.brand .mark {
  font-family: var(--serif);
  font-size: 26px;
  font-weight: 700;
  letter-spacing: 1px;
  color: #fff;
  border-right: 2px solid var(--gold);
  padding-right: 12px;
  line-height: 1;
}
.brand .mark-sub {
  font-size: 10px;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--gold-lt);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 30px;
  list-style: none;
}
.nav-links a {
  color: #d7dce4;
  font-size: 14.5px;
  letter-spacing: .3px;
  padding: 6px 0;
  position: relative;
  transition: color .2s;
}
.nav-links a:hover { color: #fff; }
/* Active page link — bold + gold underline */
.nav-links a.active {
  color: #fff;
  font-weight: 700;
}
.nav-links a.active::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -2px;
  height: 2px;
  background: var(--gold);
}

.nav-cta { display: flex; align-items: center; gap: 18px; }

.menu-toggle {
  display: none;
  background: none;
  border: 0;
  cursor: pointer;
  flex-direction: column;
  gap: 5px;
  padding: 6px;
  border-radius: 6px;
  transition: background .2s;
}
.menu-toggle:hover { background: rgba(255,255,255,.08); }
.menu-toggle span {
  width: 26px; height: 2px; background: #fff; display: block; border-radius: 2px;
  transition: transform .3s ease, opacity .2s ease;
}
.menu-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.menu-toggle.open span:nth-child(2) { opacity: 0; }
.menu-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ==========================================================================
   Hero
   ========================================================================== */
.hero {
  position: relative;
  color: #fff;
  background:
    linear-gradient(120deg, rgba(10,22,40,.94) 0%, rgba(10,22,40,.72) 42%, rgba(10,22,40,.35) 100%),
    linear-gradient(60deg, #14243f, #24405f 55%, #3a5f86);
  overflow: hidden;
}
/* Home hero gets the skyline photo; inner-page headers stay clean navy */
.hero:not(.page-hero) {
  background:
    linear-gradient(115deg, rgba(10,22,40,.93) 0%, rgba(10,22,40,.7) 46%, rgba(10,22,40,.42) 100%),
    url("../images/hero-skyline.jpg") center 30% / cover no-repeat;
}
.hero::after {
  content: "";
  position: absolute; inset: 0;
  background-image:
    repeating-linear-gradient(90deg, rgba(255,255,255,.04) 0 1px, transparent 1px 46px),
    repeating-linear-gradient(0deg, rgba(255,255,255,.03) 0 1px, transparent 1px 60px);
  opacity: .5;
  pointer-events: none;
}
.hero-inner { position: relative; z-index: 1; padding: 96px 0 108px; max-width: 640px; }
.hero h1 { font-size: clamp(34px, 5vw, 54px); margin-bottom: 22px; }
.hero p { font-size: 18px; color: #cdd5e0; margin-bottom: 34px; max-width: 480px; }
.hero-tagline { font-family: var(--serif); font-size: 21px; font-style: italic; color: var(--gold-lt) !important; margin-bottom: 18px !important; max-width: 520px; }

.page-hero { padding: 70px 0 60px; }
.page-hero h1 { font-size: clamp(30px, 4.5vw, 46px); margin-bottom: 14px; }
.page-hero p { color: #cdd5e0; font-size: 17px; max-width: 620px; }
.crumb { color: var(--gold-lt); font-size: 13px; letter-spacing: 1px; text-transform: uppercase; margin-bottom: 16px; }

/* ==========================================================================
   Service cards strip
   ========================================================================== */
.cards-strip { background: var(--cream); }
.cards-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  transform: translateY(-40px);
  background: var(--paper);
  box-shadow: var(--shadow);
  border-radius: var(--radius);
  overflow: hidden;
}
.svc-card {
  padding: 34px 26px;
  border-right: 1px solid var(--line);
  transition: background .25s;
}
.svc-card:last-child { border-right: 0; }
.svc-card:hover { background: #fbfaf6; }
.svc-card .ico {
  width: 46px; height: 46px; color: var(--navy-700);
  margin-bottom: 18px;
}
.svc-card h3 { font-size: 17px; margin-bottom: 10px; }
.svc-card p { font-size: 14px; color: var(--muted); }

.svc-card.quote {
  background: var(--navy-800);
  color: #fff;
  border-right: 0;
}
.svc-card.quote p { color: #dfe4ec; font-family: var(--serif); font-size: 17px; font-style: italic; }

/* 3 x 3 variant (homepage — all services).
   Uses a 1px gap over a line-coloured background so dividers render cleanly
   at any column count (3 / 2 / 1) without per-item border math. */
.cards-grid-3 {
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--line);
}
.cards-grid-3 .svc-card { border-right: 0; border-bottom: 0; background: var(--paper); }

/* ==========================================================================
   Feature image blocks
   ========================================================================== */
.section { padding: 74px 0; }
.section-tight { padding: 40px 0 74px; }

.feature-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.feature-tile {
  position: relative;
  min-height: 300px;
  border-radius: var(--radius);
  overflow: hidden;
  display: flex;
  align-items: flex-end;
  color: #fff;
  padding: 28px;
}
.feature-tile::before {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(10,22,40,.15), rgba(10,22,40,.88));
}
.feature-tile > * { position: relative; z-index: 1; }
.feature-tile h3 { font-size: 22px; margin-bottom: 8px; }
.feature-tile p { font-size: 14px; color: #d3dae4; }
.ft-1 { background: url("../images/feature-house.jpg") center/cover no-repeat; }
.ft-2 { background: url("../images/feature-advisors.jpg") center/cover no-repeat; }
.ft-3 { background: url("../images/feature-sydney.jpg") center/cover no-repeat; }

/* ---------- Trust badges ---------- */
.badges {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
  padding: 46px 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.badge { display: flex; gap: 14px; align-items: flex-start; }
.badge .ico { width: 34px; height: 34px; color: var(--gold); flex: none; }
.badge h4 { font-size: 15px; font-family: var(--sans); font-weight: 700; margin-bottom: 3px; }
.badge p { font-size: 13px; color: var(--muted); }

/* ==========================================================================
   Why choose (dark band)
   ========================================================================== */
.why {
  background: var(--navy-900);
  color: #fff;
  padding: 76px 0;
}
.why .head { text-align: center; margin-bottom: 50px; }
.why h2 { font-size: 34px; }
.why-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 26px;
}
.why-item { text-align: center; padding: 0 6px; }
.why-item .ico { width: 40px; height: 40px; color: var(--gold-lt); margin: 0 auto 16px; }
.why-item h4 { font-size: 15px; font-family: var(--sans); font-weight: 700; margin-bottom: 8px; }
.why-item p { font-size: 13px; color: #aab6c6; }

/* Why-choose checklist */
.why .head .eyebrow { text-align: center; }
.why-check {
  list-style: none;
  max-width: 860px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px 40px;
}
.why-check li {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  font-size: 16px;
  color: #dbe2ec;
  padding-bottom: 16px;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.why-check li::before {
  content: "✓";
  flex: none;
  width: 26px; height: 26px;
  display: flex; align-items: center; justify-content: center;
  border-radius: 50%;
  background: rgba(201,162,75,.15);
  color: var(--gold-lt);
  font-weight: 700;
  font-size: 14px;
  margin-top: 1px;
}

/* ==========================================================================
   CTA band
   ========================================================================== */
.cta {
  color: #fff;
  background:
    linear-gradient(90deg, rgba(10,22,40,.95), rgba(10,22,40,.7)),
    linear-gradient(60deg,#16283f,#345277);
  padding: 62px 0;
}
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 40px; flex-wrap: wrap; }
.cta h2 { font-size: 30px; margin-bottom: 6px; }
.cta p { color: #cdd5e0; }
.cta-contacts { display: flex; flex-direction: column; gap: 12px; font-size: 15px; }
.cta-contacts .row { display: flex; align-items: center; gap: 12px; }
.cta-contacts .ico { width: 18px; height: 18px; color: var(--gold-lt); }
.cta-actions { display: flex; gap: 14px; margin-top: 20px; flex-wrap: wrap; }

/* ==========================================================================
   Generic content sections
   ========================================================================== */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 54px; align-items: center; }
.split .img-block {
  min-height: 380px; border-radius: var(--radius);
  background: url("../images/process-consult.jpg") center/cover no-repeat;
  box-shadow: var(--shadow);
}
.section h2 { font-size: 34px; margin-bottom: 18px; }
.section .lead { color: var(--muted); font-size: 17px; margin-bottom: 18px; }
.section p { color: #3a475c; margin-bottom: 14px; }

/* About page prose layout */
.about-layout { display: grid; grid-template-columns: 1fr 1.5fr; gap: 56px; align-items: start; }
.about-head { position: sticky; top: 104px; }
.about-head h2 { font-size: 30px; }
.about-img {
  min-height: 360px;
  border-radius: var(--radius);
  margin-top: 26px;
  background: url("../images/about-towers.jpg") center/cover no-repeat;
  box-shadow: var(--shadow);
}
.about-body p { color: #3a475c; font-size: 16.5px; line-height: 1.8; margin-bottom: 20px; }
.about-body p:first-child { font-size: 19px; color: var(--ink); font-weight: 500; }
.about-tagline {
  font-family: var(--serif) !important;
  font-style: italic;
  font-size: 21px !important;
  color: var(--navy-700) !important;
  border-left: 3px solid var(--gold);
  padding-left: 20px;
  margin-top: 12px;
}
@media (max-width: 900px) {
  .about-layout { grid-template-columns: 1fr; gap: 32px; }
  .about-head { position: static; }
  .about-img { display: none; }
}

/* Philosophy band */
.philosophy {
  position: relative;
  overflow: hidden;
  background: linear-gradient(160deg, var(--navy-800), var(--navy-900));
  color: #fff;
  padding: 90px 0;
  text-align: center;
}
.philosophy::before {
  content: "";
  position: absolute; inset: 0;
  background-image:
    repeating-linear-gradient(90deg, rgba(255,255,255,.03) 0 1px, transparent 1px 46px),
    repeating-linear-gradient(0deg, rgba(255,255,255,.025) 0 1px, transparent 1px 60px);
  pointer-events: none;
}
.philosophy > * { position: relative; z-index: 1; }
.philosophy .eyebrow { color: var(--gold); }
.philosophy-body { max-width: 760px; margin: 0 auto; position: relative; }
.philosophy .quote-mark {
  display: block;
  font-family: var(--serif);
  font-size: 90px;
  line-height: .5;
  color: var(--gold);
  opacity: .35;
  margin-bottom: 20px;
}
.philosophy-body p {
  font-family: var(--serif);
  font-size: 22px;
  line-height: 1.6;
  color: #e6eaf0;
  margin-bottom: 18px;
}
.philosophy blockquote {
  font-family: var(--serif);
  font-style: italic;
  font-size: clamp(26px, 3.4vw, 34px);
  color: var(--gold-lt);
  line-height: 1.35;
  margin: 30px auto;
  max-width: 640px;
}
.philosophy-close {
  font-family: var(--sans) !important;
  font-size: 17px !important;
  color: #b9c3d2 !important;
  margin-top: 26px !important;
  padding-top: 26px;
  border-top: 1px solid rgba(255,255,255,.12);
  display: inline-block;
}
@media (max-width: 680px) {
  .philosophy { padding: 64px 0; }
  .philosophy-body p { font-size: 19px; }
}

.tick-list { list-style: none; margin-top: 20px; }
.tick-list li { display: flex; gap: 12px; margin-bottom: 12px; color: #3a475c; }
.tick-list li::before { content: "✓"; color: var(--gold); font-weight: 700; }

.stat-row { display: grid; grid-template-columns: repeat(3,1fr); gap: 26px; text-align: center; margin-top: 40px; }
.stat { padding: 26px; background: var(--cream); border-radius: var(--radius); }
.stat .num { font-family: var(--serif); font-size: 40px; color: var(--navy-700); font-weight: 700; }
.stat .lbl { font-size: 13px; color: var(--muted); text-transform: uppercase; letter-spacing: 1px; }

/* Services detailed list */
.svc-list { display: grid; grid-template-columns: repeat(2,1fr); gap: 24px; }
.svc-detail {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 32px;
  transition: box-shadow .25s, transform .25s;
}
.svc-detail:hover { box-shadow: var(--shadow); transform: translateY(-4px); }
.svc-detail .ico { width: 44px; height: 44px; color: var(--navy-700); margin-bottom: 16px; }
.svc-detail h3 { font-size: 20px; margin-bottom: 10px; }
.svc-detail p { color: var(--muted); font-size: 15px; }

/* Resources grid */
.res-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.res-card {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  transition: box-shadow .25s, transform .25s;
}
.res-card:hover { box-shadow: var(--shadow); transform: translateY(-4px); }
.res-card .thumb { height: 160px; background: linear-gradient(135deg,#243d5b,#456a90); }
.res-card .thumb.a { background: linear-gradient(135deg,#1b2f4a,#3d6288); }
.res-card .thumb.b { background: linear-gradient(135deg,#2c4a70,#5a7ea3); }
.res-card .thumb.c { background: linear-gradient(135deg,#16283f,#365a80); }
.res-card .body { padding: 22px; }
.res-card .tag { font-size: 11px; text-transform: uppercase; letter-spacing: 1px; color: var(--gold); font-weight: 700; }
.res-card h3 { font-size: 18px; margin: 8px 0 8px; }
.res-card p { font-size: 14px; color: var(--muted); }
.res-card .more { color: var(--navy-700); font-weight: 600; font-size: 14px; margin-top: 12px; display: inline-block; }

/* Contact */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 50px; }
.field { margin-bottom: 18px; }
.field label { display: block; font-size: 13px; font-weight: 600; margin-bottom: 6px; color: var(--ink); }
.field input, .field textarea, .field select {
  width: 100%; padding: 12px 14px;
  border: 1px solid var(--line); border-radius: var(--radius);
  font-family: inherit; font-size: 15px; color: var(--ink);
  background: #fff;
}
.field input:focus, .field textarea:focus, .field select:focus {
  outline: none; border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,162,75,.15);
}
/* Custom, cleanly-positioned dropdown arrow */
.field select, .calc-form .field select {
  -webkit-appearance: none; -moz-appearance: none; appearance: none;
  padding-right: 44px;
  background-image: url("data:image/svg+xml;charset=US-ASCII,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='9' viewBox='0 0 14 9' fill='none' stroke='%23c9a24b' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M1 1.5L7 7.5L13 1.5'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 16px center;
  background-size: 13px;
  cursor: pointer;
}
.field select::-ms-expand { display: none; }
.form-msg { margin-top: 14px; font-weight: 600; font-size: 14.5px; padding: 12px 14px; border-radius: var(--radius); }
.form-ok  { color: #1f6d43; background: #eaf6ef; border: 1px solid #bfe3cd; }
.form-err { color: #9a2c2c; background: #fbecec; border: 1px solid #e6c3c3; }

.contact-info .item { display: flex; gap: 14px; margin-bottom: 24px; }
.contact-info .ico { width: 22px; height: 22px; color: var(--gold); flex: none; margin-top: 4px; }
.contact-info h4 { font-family: var(--sans); font-size: 15px; margin-bottom: 2px; }
.contact-info p { color: var(--muted); font-size: 15px; }
.map-block { height: 240px; border-radius: var(--radius); margin-top: 10px;
  background: linear-gradient(135deg,#1b2f4a,#42678d); }

/* Team */
.team-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 26px; }
.member { text-align: center; }
.member .photo { height: 240px; border-radius: var(--radius); margin-bottom: 16px;
  background: linear-gradient(135deg,#2c4a70,#5a7ea3); }
.member h4 { font-family: var(--sans); font-size: 17px; }
.member .role { color: var(--gold); font-size: 13px; text-transform: uppercase; letter-spacing: 1px; }

/* Single adviser profile (no photo — monogram avatar) */
.solo-member { max-width: 460px; margin: 0 auto; text-align: center; }
.solo-member .monogram {
  width: 100px; height: 100px; margin: 0 auto 22px;
  border-radius: 50%;
  background: linear-gradient(150deg, var(--navy-700), var(--navy-900));
  border: 2px solid rgba(201,162,75,.45);
  color: var(--gold-lt);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--serif); font-size: 36px; letter-spacing: 1px;
  box-shadow: var(--shadow);
}
.solo-member h4 { font-family: var(--sans); font-size: 21px; margin-bottom: 5px; }
.solo-member .role { color: var(--gold); font-size: 13px; text-transform: uppercase; letter-spacing: 1.2px; }
.solo-member p { color: var(--muted); font-size: 15.5px; line-height: 1.7; margin-top: 16px; }

/* ==========================================================================
   Calculators
   ========================================================================== */
.calc-intro { text-align: center; max-width: 640px; margin: 0 auto 34px; }
.calc-intro .eyebrow { margin-bottom: 12px; }
.calc-intro h2 { font-size: 30px; margin-bottom: 12px; }
.calc-intro p { color: var(--muted); font-size: 16px; }

/* Tidy, evenly-aligned selector grid (4 x 2) */
.calc-tabs {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
  margin-bottom: 36px;
}
.calc-tab {
  border: 1px solid var(--line);
  background: #fff;
  color: var(--muted);
  font-family: inherit;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: .2px;
  padding: 15px 14px;
  border-radius: 8px;
  cursor: pointer;
  transition: all .2s ease;
  text-align: center;
}
.calc-tab:hover { color: var(--navy-800); border-color: var(--gold); }
.calc-tab.active {
  background: var(--navy-800);
  color: #fff;
  border-color: var(--navy-800);
  box-shadow: 0 8px 18px -8px rgba(10,22,40,.55);
}

.calc-panel { display: none; animation: calcFade .35s ease; }
.calc-panel.active { display: block; }
@keyframes calcFade { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }

.calc-card {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  border: 1px solid var(--line);
  border-radius: 12px;
  overflow: hidden;
  box-shadow: var(--shadow);
  background: #fff;
}
.calc-form { padding: 40px; }
.calc-form h3 { font-size: 23px; margin-bottom: 8px; }
.calc-sub { color: var(--muted); font-size: 14.5px; margin-bottom: 26px; line-height: 1.6; }
.calc-form .field { margin-bottom: 18px; }
.calc-form .field label { font-size: 13px; color: var(--muted); font-weight: 600; text-transform: uppercase; letter-spacing: .6px; }
.calc-form .field input,
.calc-form .field select { padding: 13px 15px; font-size: 16px; font-weight: 600; color: var(--ink); }
.calc-form .btn { margin-top: 10px; width: 100%; letter-spacing: 1px; }

/* Results panel — navy with subtle grid texture, matching the hero */
.calc-results {
  position: relative;
  background:
    linear-gradient(150deg, var(--navy-800), var(--navy-900));
  color: #fff;
  padding: 40px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  overflow: hidden;
}
.calc-results::before {
  content: "";
  position: absolute; inset: 0;
  background-image:
    repeating-linear-gradient(90deg, rgba(255,255,255,.035) 0 1px, transparent 1px 40px),
    repeating-linear-gradient(0deg, rgba(255,255,255,.03) 0 1px, transparent 1px 48px);
  pointer-events: none;
}
.calc-results > * { position: relative; z-index: 1; }
.result-eyebrow { font-size: 11px; letter-spacing: 2px; text-transform: uppercase; color: var(--gold); margin-bottom: 18px; }
.result-hero { margin-bottom: 8px; padding-bottom: 24px; border-bottom: 1px solid rgba(255,255,255,.14); }
.result-num { display: block; font-family: var(--serif); font-size: 46px; color: var(--gold-lt); line-height: 1.05; }
.result-cap { display: block; font-size: 11.5px; text-transform: uppercase; letter-spacing: 1.6px; color: #b9c3d2; margin-top: 8px; }
.result-row { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; padding: 15px 0; border-bottom: 1px solid rgba(255,255,255,.08); font-size: 14px; color: #c3ccd8; }
.result-row:last-child { border-bottom: 0; }
.result-row strong { color: #fff; font-weight: 700; font-size: 16px; }

.calc-disclaimer {
  font-size: 12.5px;
  color: var(--muted);
  margin: 26px auto 0;
  max-width: 780px;
  text-align: center;
  line-height: 1.6;
}
@media (max-width: 760px) {
  .calc-tabs { grid-template-columns: repeat(2, 1fr); }
  .calc-card { grid-template-columns: 1fr; }
  .calc-form, .calc-results { padding: 30px; }
}

/* ==========================================================================
   Blog — coming soon
   ========================================================================== */
.coming-soon {
  text-align: center;
  max-width: 620px;
  margin: 0 auto;
  padding: 30px 20px 10px;
}
.cs-badge {
  width: 84px; height: 84px; margin: 0 auto 26px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--gold-lt);
  background: linear-gradient(150deg, var(--navy-700), var(--navy-900));
  border: 2px solid rgba(201,162,75,.45);
  box-shadow: var(--shadow);
}
.cs-badge svg { width: 40px; height: 40px; }
.coming-soon .eyebrow { margin-bottom: 12px; }
.coming-soon h2 { font-size: clamp(34px, 5vw, 46px); margin-bottom: 16px; }
.coming-soon p { color: var(--muted); font-size: 17px; line-height: 1.7; margin-bottom: 30px; }
.cs-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ==========================================================================
   Blog / social feeds
   ========================================================================== */
.social-feeds { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.feed-col { display: flex; flex-direction: column; }
.feed-head { display: flex; align-items: center; gap: 14px; margin-bottom: 22px; }
.feed-ico {
  width: 48px; height: 48px; border-radius: 12px; flex: none;
  display: flex; align-items: center; justify-content: center; color: #fff;
}
.feed-ico svg { width: 26px; height: 26px; }
.feed-ico.fb { background: #1877f2; }
.feed-ico.ig { background: linear-gradient(45deg,#f09433,#e6683c 30%,#dc2743 55%,#cc2366 75%,#bc1888); }
.feed-head h3 { font-size: 20px; margin-bottom: 2px; }
.feed-head p { font-size: 13px; color: var(--muted); }

/* Facebook plugin container */
.fb-page, .fb-page span, .fb-page iframe { width: 100% !important; }
.feed-col .fb-page {
  border: 1px solid var(--line); border-radius: 12px; overflow: hidden;
  min-height: 300px; background: #fff;
}
.feed-btn { align-self: flex-start; margin-top: 20px; }

/* Instagram call-to-action card */
.ig-cta {
  text-align: center; padding: 48px 34px;
  border: 1px solid var(--line); border-radius: 12px;
  background:
    linear-gradient(180deg, #fff, #fbfaf6);
  box-shadow: var(--shadow);
}
.ig-badge {
  width: 74px; height: 74px; margin: 0 auto 20px;
  border-radius: 20px; display: flex; align-items: center; justify-content: center;
  color: #fff;
  background: linear-gradient(45deg,#f09433,#e6683c 30%,#dc2743 55%,#cc2366 75%,#bc1888);
}
.ig-badge svg { width: 40px; height: 40px; }
.ig-cta h4 { font-family: var(--serif); font-size: 22px; margin-bottom: 10px; color: var(--ink); }
.ig-cta p { color: var(--muted); font-size: 15px; line-height: 1.7; max-width: 340px; margin: 0 auto 24px; }

@media (max-width: 860px) {
  .social-feeds { grid-template-columns: 1fr; gap: 34px; }
}

/* ==========================================================================
   Follow / social band
   ========================================================================== */
.follow { background: var(--cream); padding: 74px 0; text-align: center; }
.follow .eyebrow { color: var(--gold); }
.follow h2 { font-size: 32px; margin-bottom: 10px; }
.follow > .wrap > p { color: var(--muted); font-size: 16px; max-width: 540px; margin: 0 auto 36px; }
.follow-links { display: flex; gap: 22px; justify-content: center; flex-wrap: wrap; }
.follow-btn {
  display: flex; flex-direction: column; align-items: center; gap: 8px;
  min-width: 240px; padding: 30px 34px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  color: var(--navy-800);
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}
.follow-btn svg { width: 40px; height: 40px; color: var(--navy-700); transition: color .25s ease; }
.follow-btn span { font-weight: 700; font-size: 17px; }
.follow-btn em { font-style: normal; font-size: 13px; color: var(--muted); }
.follow-btn:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--gold); }
.follow-btn:hover svg { color: var(--gold); }

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer { background: var(--navy-900); color: #c3ccd8; padding: 60px 0 26px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr; gap: 40px; }
.footer-grid h5 { color: #fff; font-family: var(--sans); font-size: 14px; letter-spacing: 1px; text-transform: uppercase; margin-bottom: 18px; }
.footer-grid ul { list-style: none; }
.footer-grid li { margin-bottom: 10px; }
.footer-grid a { color: #aab6c6; font-size: 14px; transition: color .2s; }
.footer-grid a:hover { color: var(--gold-lt); }
.footer-brand .mark { font-family: var(--serif); font-size: 24px; color: #fff; letter-spacing: 1px; }
.footer-brand p { font-size: 14px; margin-top: 10px; color: #93a1b3; max-width: 260px; }
.socials { display: flex; gap: 12px; margin-top: 20px; }
.socials a { width: 34px; height: 34px; border: 1px solid rgba(255,255,255,.2); border-radius: 4px;
  display: flex; align-items: center; justify-content: center; }
.socials a:hover { border-color: var(--gold); }
.socials .ico { width: 16px; height: 16px; color: #c3ccd8; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  margin-top: 40px; padding-top: 22px;
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 10px;
  font-size: 12.5px; color: #8593a6;
}
.footer-bottom-right { display: flex; align-items: center; gap: 18px; }

/* Creator credit badge — expands on hover */
.credit-badge {
  display: inline-flex;
  align-items: center;
  cursor: pointer;
  outline: none;
}
.credit-badge .credit-text {
  max-width: 0;
  overflow: hidden;
  white-space: nowrap;
  opacity: 0;
  font-size: 12px;
  color: #aab6c6;
  transition: max-width .5s ease, opacity .4s ease, margin .5s ease;
}
.credit-badge .credit-text strong { color: var(--gold-lt); font-weight: 700; }
.credit-badge:hover .credit-text,
.credit-badge:focus .credit-text,
.credit-badge:focus-visible .credit-text {
  max-width: 360px;
  opacity: 1;
  margin-right: 10px;
}
.credit-badge .ag-mark { width: 32px; height: 22px; flex: none; transition: transform .3s ease; }
.credit-badge .ag-logo {
  height: 42px; width: auto; flex: none; display: block;
  transition: transform .3s ease;
}
.credit-badge:hover .ag-mark,
.credit-badge:focus .ag-mark,
.credit-badge:hover .ag-logo,
.credit-badge:focus .ag-logo { transform: scale(1.06); }

/* ==========================================================================
   Responsive
   ========================================================================== */
@media (max-width: 960px) {
  .cards-grid, .why-grid { grid-template-columns: repeat(2, 1fr); }
  .svc-card { border-bottom: 1px solid var(--line); }
  /* 2-col: use real borders (no gap trick) so 9 items leave no empty grey cell */
  .cards-grid-3 { gap: 0; background: var(--paper); }
  .cards-grid-3 .svc-card { border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); }
  .cards-grid-3 .svc-card:nth-child(2n) { border-right: 0; }
  .feature-row, .badges, .res-grid, .team-grid { grid-template-columns: 1fr 1fr; }
  .split, .contact-grid, .svc-list { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .stat-row { grid-template-columns: 1fr; }
}
/* Collapse the nav to a menu button before it gets cramped */
@media (max-width: 900px) {
  .site-header { position: relative; }
  .menu-toggle { display: flex; }
  .nav-links {
    display: none;
    position: absolute; top: 100%; left: 0; right: 0;
    flex-direction: column; gap: 0;
    background: var(--navy-800);
    padding: 6px 0;
    border-top: 1px solid rgba(255,255,255,.08);
    box-shadow: 0 22px 40px -20px rgba(0,0,0,.65);
  }
  .nav-links.open { display: flex; animation: navDrop .24s ease; }
  @keyframes navDrop { from { opacity: 0; transform: translateY(-8px); } to { opacity: 1; transform: none; } }
  .nav-links li { width: 100%; border-bottom: 1px solid rgba(255,255,255,.06); }
  .nav-links li:last-child { border-bottom: 0; }
  .nav-links a {
    display: flex; align-items: center;
    padding: 15px 26px; width: 100%;
    font-size: 15px; color: #d7dce4;
    transition: background .18s, box-shadow .18s, color .18s;
  }
  .nav-links a:hover { background: rgba(255,255,255,.05); color: #fff; }
  .nav-links a.active::after { display: none; }
  .nav-links a.active {
    background: rgba(201,162,75,.12);
    box-shadow: inset 3px 0 0 var(--gold);
  }
}
@media (max-width: 680px) {
  /* Keep the CTA in the bar but compact, rather than hiding it */
  .nav-cta { gap: 12px; }
  .nav-cta .btn { padding: 9px 16px; font-size: 12.5px; }
  .cards-grid, .badges, .feature-row, .res-grid, .team-grid, .footer-grid { grid-template-columns: 1fr; }
  .cards-grid-3 .svc-card { border-right: 0; }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .why-check { grid-template-columns: 1fr; }
  .cards-grid { transform: translateY(-24px); }
}
@media (max-width: 680px) {
  .brand-logo { height: 50px; }
}
@media (max-width: 460px) {
  /* On very narrow phones, drop the CTA so it's just logo + menu */
  .nav-cta .btn { display: none; }
  .brand-logo { height: 46px; }
}