/* ============================================================
   PRECISION BUSINESS CAPITAL — Main Stylesheet
   Brand: Navy #0A1628 | Gold #C9A84C | White #FFF | Gray #F4F6F9
   ============================================================ */

/* --- Google Fonts loaded in HTML --- */

/* ── Design Tokens ── */
:root {
  /* Brand Colors */
  --navy:        #0A1628;
  --navy-dark:   #1C2B45;
  --navy-mid:    #0d1f3c;
  --gold:        #C9A84C;
  --gold-hover:  #b8933d;
  --gold-light:  #e8d08a;
  --white:       #FFFFFF;
  --gray-light:  #F4F6F9;
  --gray-mid:    #E2E8F0;
  --gray-text:   #64748B;
  --text-dark:   #1A202C;

  /* Type scale */
  --text-xs:   clamp(0.75rem,  0.7rem  + 0.25vw, 0.875rem);
  --text-sm:   clamp(0.875rem, 0.8rem  + 0.35vw, 1rem);
  --text-base: clamp(1rem,     0.95rem + 0.25vw, 1.125rem);
  --text-lg:   clamp(1.125rem, 1rem    + 0.75vw, 1.5rem);
  --text-xl:   clamp(1.5rem,   1.2rem  + 1.25vw, 2.25rem);
  --text-2xl:  clamp(2rem,     1.2rem  + 2.5vw,  3.5rem);
  --text-3xl:  clamp(2.5rem,   1rem    + 4vw,    5rem);
  --text-hero: clamp(2.75rem,  1rem    + 5vw,    4.5rem);

  /* Spacing */
  --space-1:  0.25rem;
  --space-2:  0.5rem;
  --space-3:  0.75rem;
  --space-4:  1rem;
  --space-5:  1.25rem;
  --space-6:  1.5rem;
  --space-8:  2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  --space-24: 6rem;

  /* Radii */
  --radius-sm: 0.375rem;
  --radius-md: 0.5rem;
  --radius-lg: 0.75rem;
  --radius-xl: 1rem;

  /* Shadows */
  --shadow-sm: 0 1px 3px rgba(10,22,40,0.08);
  --shadow-md: 0 4px 16px rgba(10,22,40,0.12);
  --shadow-lg: 0 12px 40px rgba(10,22,40,0.18);

  /* Fonts */
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'Inter', 'Helvetica Neue', Arial, sans-serif;

  /* Widths */
  --content-narrow:  680px;
  --content-default: 1000px;
  --content-wide:    1200px;

  /* Transitions */
  --transition: 200ms cubic-bezier(0.16, 1, 0.3, 1);
}

/* ── Reset & Base ── */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
  scroll-padding-top: 80px;
}

body {
  font-family: var(--font-body);
  font-size: var(--text-base);
  color: var(--text-dark);
  background-color: var(--white);
  line-height: 1.65;
}

img, svg { display: block; max-width: 100%; height: auto; }
ul[role='list'], ol[role='list'] { list-style: none; }
input, button, textarea, select { font: inherit; color: inherit; }

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  text-wrap: balance;
  line-height: 1.2;
}

p, li { text-wrap: pretty; }

a {
  color: var(--gold);
  text-decoration: none;
  transition: color var(--transition);
}
a:hover { color: var(--gold-hover); }

button { cursor: pointer; border: none; background: none; }

:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
  border-radius: var(--radius-sm);
}

.sr-only {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap; border-width: 0;
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

/* ── Layout Utilities ── */
.container {
  width: 100%;
  max-width: var(--content-wide);
  margin-inline: auto;
  padding-inline: clamp(var(--space-4), 5vw, var(--space-12));
}
.container--narrow {
  max-width: var(--content-narrow);
}
.container--default {
  max-width: var(--content-default);
}

/* ── Typography Utilities ── */
.font-display { font-family: var(--font-display); }
.text-gold { color: var(--gold); }
.text-navy { color: var(--navy); }
.text-white { color: var(--white); }
.text-gray { color: var(--gray-text); }

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  padding: var(--space-3) var(--space-8);
  border-radius: var(--radius-md);
  font-family: var(--font-body);
  font-size: var(--text-sm);
  font-weight: 600;
  letter-spacing: 0.03em;
  text-decoration: none;
  transition: background var(--transition), color var(--transition), box-shadow var(--transition), transform var(--transition);
  white-space: nowrap;
  cursor: pointer;
}

.btn-gold {
  background: var(--gold);
  color: var(--navy);
  border: 2px solid var(--gold);
}
.btn-gold:hover {
  background: var(--gold-hover);
  border-color: var(--gold-hover);
  color: var(--navy);
  box-shadow: 0 4px 16px rgba(201,168,76,0.35);
  transform: translateY(-1px);
}

.btn-outline-white {
  background: transparent;
  color: var(--white);
  border: 2px solid var(--white);
}
.btn-outline-white:hover {
  background: rgba(255,255,255,0.12);
  color: var(--white);
  transform: translateY(-1px);
}

.btn-outline-gold {
  background: transparent;
  color: var(--gold);
  border: 2px solid var(--gold);
}
.btn-outline-gold:hover {
  background: var(--gold);
  color: var(--navy);
  transform: translateY(-1px);
}

.btn-navy {
  background: var(--navy);
  color: var(--white);
  border: 2px solid var(--navy);
}
.btn-navy:hover {
  background: var(--navy-dark);
  border-color: var(--navy-dark);
  color: var(--white);
  transform: translateY(-1px);
}

.btn-lg {
  padding: var(--space-4) var(--space-10);
  font-size: var(--text-base);
}

.btn-full { width: 100%; }

/* ── Navigation ── */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--navy);
  border-bottom: 1px solid rgba(201,168,76,0.15);
  transition: box-shadow var(--transition);
}
.nav--scrolled { box-shadow: 0 2px 20px rgba(0,0,0,0.25); }

.nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: var(--space-6);
}

.nav__logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  text-decoration: none;
  flex-shrink: 0;
}

.nav__logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}
.nav__logo-name {
  font-family: var(--font-display);
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.nav__logo-sub {
  font-size: 0.6rem;
  font-weight: 500;
  color: rgba(255,255,255,0.55);
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.nav__links {
  display: flex;
  align-items: center;
  gap: var(--space-1);
  list-style: none;
}

.nav__links a {
  display: block;
  padding: var(--space-2) var(--space-3);
  font-size: var(--text-sm);
  font-weight: 500;
  color: rgba(255,255,255,0.75);
  text-decoration: none;
  border-radius: var(--radius-sm);
  transition: color var(--transition), background var(--transition);
  letter-spacing: 0.02em;
}
.nav__links a:hover { color: var(--white); background: rgba(255,255,255,0.08); }
.nav__links a.active { color: var(--gold); }

.nav__cta { flex-shrink: 0; }

.nav__hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: var(--space-2);
  cursor: pointer;
  background: none;
  border: none;
}
.nav__hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: transform var(--transition), opacity var(--transition);
}
.nav__hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav__hamburger.open span:nth-child(2) { opacity: 0; }
.nav__hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.nav__mobile {
  display: none;
  flex-direction: column;
  background: var(--navy-dark);
  border-top: 1px solid rgba(201,168,76,0.15);
}
.nav__mobile.open { display: flex; }
.nav__mobile a {
  display: block;
  padding: var(--space-4) var(--space-6);
  font-size: var(--text-base);
  font-weight: 500;
  color: rgba(255,255,255,0.85);
  text-decoration: none;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  transition: background var(--transition), color var(--transition);
}
.nav__mobile a:hover { background: rgba(255,255,255,0.05); color: var(--gold); }
.nav__mobile a.active { color: var(--gold); }
.nav__mobile .btn { margin: var(--space-4) var(--space-6) var(--space-6); }

@media (max-width: 900px) {
  .nav__links, .nav__cta { display: none; }
  .nav__hamburger { display: flex; }
}

/* ── Hero ── */
.hero {
  position: relative;
  min-height: 80vh;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.hero__bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
}
.hero__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(10,22,40,0.88) 0%, rgba(28,43,69,0.80) 100%);
}
.hero__content {
  position: relative;
  z-index: 1;
  width: 100%;
  padding-block: var(--space-24);
}
.hero__label {
  display: inline-block;
  padding: var(--space-1) var(--space-4);
  background: rgba(201,168,76,0.18);
  border: 1px solid rgba(201,168,76,0.4);
  border-radius: var(--radius-full, 9999px);
  font-size: var(--text-xs);
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: var(--space-6);
}
.hero__headline {
  font-family: var(--font-display);
  font-size: var(--text-hero);
  font-weight: 700;
  color: var(--white);
  line-height: 1.1;
  max-width: 800px;
  margin-bottom: var(--space-6);
}
.hero__headline .accent { color: var(--gold); }
.hero__subheadline {
  font-size: var(--text-lg);
  color: rgba(255,255,255,0.80);
  max-width: 560px;
  margin-bottom: var(--space-10);
  line-height: 1.6;
  font-weight: 300;
}
.hero__ctas {
  display: flex;
  gap: var(--space-4);
  flex-wrap: wrap;
}

/* Hero navy-only (no image) */
.hero--navy {
  background: var(--navy);
  min-height: 50vh;
}
.hero--navy .hero__overlay { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%); }

/* ── Trust Bar ── */
.trust-bar {
  background: var(--gold);
  padding-block: var(--space-6);
}
.trust-bar__inner {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-4);
  text-align: center;
}
.trust-bar__item { padding: var(--space-2); }
.trust-bar__number {
  font-family: var(--font-display);
  font-size: var(--text-2xl);
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
  margin-bottom: var(--space-1);
}
.trust-bar__label {
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--navy);
  opacity: 0.75;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

@media (max-width: 600px) {
  .trust-bar__inner { grid-template-columns: 1fr; gap: var(--space-6); }
}

/* ── Section Basics ── */
.section {
  padding-block: clamp(var(--space-16), 8vw, var(--space-24));
}
.section--gray { background: var(--gray-light); }
.section--navy { background: var(--navy); }
.section--navy-dark { background: var(--navy-dark); }

.section__label {
  display: inline-block;
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: var(--space-3);
}
.section__title {
  font-family: var(--font-display);
  font-size: var(--text-2xl);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: var(--space-4);
  line-height: 1.15;
}
.section__title--white { color: var(--white); }
.section__subtitle {
  font-size: var(--text-base);
  color: var(--gray-text);
  max-width: 56ch;
  line-height: 1.7;
  margin-bottom: var(--space-12);
}
.section__subtitle--white { color: rgba(255,255,255,0.70); }

.section-header { text-align: center; }
.section-header .section__subtitle { margin-inline: auto; }

/* ── Cards ── */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: var(--space-8);
}

.card {
  background: var(--white);
  border: 1px solid var(--gray-mid);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  transition: box-shadow var(--transition), transform var(--transition), border-color var(--transition);
}
.card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
  border-color: var(--gold);
}

.card--navy {
  background: var(--navy-dark);
  border-color: rgba(201,168,76,0.2);
}
.card--navy:hover { border-color: var(--gold); }

.card__icon {
  width: 52px;
  height: 52px;
  background: rgba(201,168,76,0.12);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-5);
  color: var(--gold);
}
.card__title {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: var(--space-3);
}
.card--navy .card__title { color: var(--white); }
.card__body {
  font-size: var(--text-sm);
  color: var(--gray-text);
  line-height: 1.7;
  margin-bottom: var(--space-5);
}
.card--navy .card__body { color: rgba(255,255,255,0.65); }
.card__link {
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--gold);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: var(--space-1);
  transition: gap var(--transition);
}
.card__link:hover { gap: var(--space-2); color: var(--gold-hover); }
.card__link::after { content: '→'; }

/* ── Steps (How It Works) ── */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-8);
  position: relative;
}
.steps::before {
  content: '';
  position: absolute;
  top: 26px;
  left: calc(16.67% + 26px);
  right: calc(16.67% + 26px);
  height: 2px;
  background: linear-gradient(90deg, var(--gold), rgba(201,168,76,0.3));
  pointer-events: none;
}
.step { text-align: center; }
.step__num {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy);
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto var(--space-5);
  position: relative;
  z-index: 1;
}
.step__title {
  font-family: var(--font-display);
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: var(--space-2);
}
.step__body {
  font-size: var(--text-sm);
  color: var(--gray-text);
  line-height: 1.6;
}

@media (max-width: 700px) {
  .steps { grid-template-columns: 1fr; }
  .steps::before { display: none; }
}

/* ── Split Section (Why Precision) ── */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(var(--space-10), 6vw, var(--space-16));
  align-items: center;
}
.split--reverse { }
.split__image {
  position: relative;
  border-radius: var(--radius-xl);
  overflow: hidden;
  aspect-ratio: 4/3;
}
.split__image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.split__image::after {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: var(--radius-xl);
  border: 2px solid rgba(201,168,76,0.25);
  pointer-events: none;
}
.split__text {}
.split__list {
  list-style: none;
  margin-top: var(--space-6);
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}
.split__list li {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  font-size: var(--text-sm);
  color: var(--gray-text);
  line-height: 1.5;
  max-width: 100%;
}
.split__list li::before {
  content: '✓';
  color: var(--gold);
  font-weight: 700;
  font-size: 0.9rem;
  margin-top: 1px;
  flex-shrink: 0;
}

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

/* ── Banners ── */
.banner {
  padding-block: clamp(var(--space-12), 6vw, var(--space-20));
  background: var(--navy);
  text-align: center;
}
.banner--gold-border {
  border-top: 3px solid var(--gold);
  border-bottom: 3px solid var(--gold);
}
.banner__label {
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: var(--space-4);
}
.banner__title {
  font-family: var(--font-display);
  font-size: var(--text-2xl);
  color: var(--white);
  margin-bottom: var(--space-4);
}
.banner__body {
  font-size: var(--text-base);
  color: rgba(255,255,255,0.70);
  max-width: 56ch;
  margin-inline: auto;
  margin-bottom: var(--space-8);
  line-height: 1.7;
}

/* ── FAQ Accordion ── */
.accordion {}
.accordion__item {
  border-bottom: 1px solid var(--gray-mid);
}
.accordion__trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  padding: var(--space-5) 0;
  font-family: var(--font-body);
  font-size: var(--text-base);
  font-weight: 600;
  color: var(--navy);
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  transition: color var(--transition);
}
.accordion__trigger:hover { color: var(--gold); }
.accordion__icon {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--gray-light);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  flex-shrink: 0;
  font-size: 1.2rem;
  font-weight: 700;
  transition: transform var(--transition), background var(--transition);
}
.accordion__item.open .accordion__icon {
  transform: rotate(45deg);
  background: var(--gold);
  color: var(--navy);
}
.accordion__body {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s cubic-bezier(0.16,1,0.3,1);
}
.accordion__body-inner {
  padding: 0 0 var(--space-5);
  font-size: var(--text-sm);
  color: var(--gray-text);
  line-height: 1.7;
  max-width: 68ch;
}

/* ── Checklist ── */
.checklist {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}
.checklist li {
  display: flex;
  align-items: flex-start;
  gap: var(--space-4);
  font-size: var(--text-base);
  color: var(--text-dark);
}
.checklist__check {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: rgba(201,168,76,0.15);
  border: 2px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 0.85rem;
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}

/* ── Form ── */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-5);
}
.form-group {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}
.form-group--full { grid-column: 1 / -1; }
.form-label {
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--navy);
}
.form-input,
.form-select,
.form-textarea {
  width: 100%;
  padding: var(--space-3) var(--space-4);
  border: 1.5px solid var(--gray-mid);
  border-radius: var(--radius-md);
  font-size: var(--text-sm);
  color: var(--text-dark);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.form-input:focus,
.form-select:focus,
.form-textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.15);
}
.form-textarea { min-height: 100px; resize: vertical; }

@media (max-width: 600px) {
  .form-grid { grid-template-columns: 1fr; }
}

/* ── Highlight Box ── */
.highlight-box {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  border-radius: var(--radius-xl);
  padding: var(--space-10) var(--space-10);
  border: 1px solid rgba(201,168,76,0.3);
  position: relative;
  overflow: hidden;
}
.highlight-box::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), rgba(201,168,76,0.3));
}
.highlight-box__title {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 700;
  color: var(--gold);
  margin-bottom: var(--space-2);
}
.highlight-box__subtitle {
  font-size: var(--text-sm);
  font-weight: 600;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: var(--space-5);
}
.highlight-box__body {
  font-size: var(--text-base);
  color: rgba(255,255,255,0.75);
  line-height: 1.7;
  margin-bottom: var(--space-8);
  max-width: 56ch;
}

/* ── Values Grid ── */
.values-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: var(--space-6);
}
.value-card {
  background: var(--gray-light);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  text-align: center;
  border: 1px solid transparent;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.value-card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-md);
}
.value-card__icon {
  font-size: 2.5rem;
  margin-bottom: var(--space-4);
  display: block;
}
.value-card__title {
  font-family: var(--font-display);
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: var(--space-2);
}
.value-card__body {
  font-size: var(--text-sm);
  color: var(--gray-text);
  line-height: 1.6;
}

/* ── Contact Card ── */
.contact-card {
  background: var(--navy);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  color: var(--white);
  border: 1px solid rgba(201,168,76,0.25);
}
.contact-card__title {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--gold);
  margin-bottom: var(--space-6);
}
.contact-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  margin-bottom: var(--space-5);
}
.contact-item__icon {
  width: 36px;
  height: 36px;
  background: rgba(201,168,76,0.15);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  flex-shrink: 0;
}
.contact-item__label {
  font-size: var(--text-xs);
  font-weight: 600;
  color: rgba(255,255,255,0.5);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  display: block;
  margin-bottom: 2px;
}
.contact-item__value {
  font-size: var(--text-sm);
  color: var(--white);
}

/* ── Thank you message ── */
.form-success {
  display: none;
  text-align: center;
  padding: var(--space-12);
  background: rgba(201,168,76,0.08);
  border: 1px solid var(--gold);
  border-radius: var(--radius-xl);
}
.form-success.visible { display: block; }
.form-success__icon { font-size: 3rem; margin-bottom: var(--space-4); }
.form-success__title {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  color: var(--navy);
  margin-bottom: var(--space-3);
}
.form-success__body {
  font-size: var(--text-base);
  color: var(--gray-text);
  line-height: 1.6;
}

/* ── Funding options grid ── */
.funding-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: var(--space-6);
}
.funding-card {
  background: var(--white);
  border: 1.5px solid var(--gray-mid);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  position: relative;
  transition: box-shadow var(--transition), border-color var(--transition), transform var(--transition);
}
.funding-card:hover {
  box-shadow: var(--shadow-lg);
  border-color: var(--gold);
  transform: translateY(-3px);
}
.funding-card--popular {
  border-color: var(--gold);
  box-shadow: 0 0 0 2px rgba(201,168,76,0.15);
}
.funding-card__badge {
  position: absolute;
  top: -12px;
  left: var(--space-6);
  background: var(--gold);
  color: var(--navy);
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: var(--space-1) var(--space-3);
  border-radius: var(--radius-full, 9999px);
}
.funding-card__title {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: var(--space-3);
}
.funding-card__body {
  font-size: var(--text-sm);
  color: var(--gray-text);
  line-height: 1.7;
  margin-bottom: var(--space-5);
}
.funding-meta {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}
.funding-meta__item {
  display: flex;
  gap: var(--space-2);
  font-size: var(--text-xs);
}
.funding-meta__key {
  font-weight: 700;
  color: var(--navy);
  min-width: 90px;
}
.funding-meta__val { color: var(--gray-text); }

/* ── Tax Tips ── */
.tip-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-6);
  counter-reset: tip-counter;
}
.tip-item {
  display: flex;
  gap: var(--space-5);
  align-items: flex-start;
  padding: var(--space-6);
  background: var(--white);
  border-radius: var(--radius-xl);
  border: 1px solid var(--gray-mid);
  transition: box-shadow var(--transition);
}
.tip-item:hover { box-shadow: var(--shadow-md); }
.tip-item__num {
  width: 44px;
  height: 44px;
  background: var(--navy);
  color: var(--gold);
  font-family: var(--font-display);
  font-size: var(--text-base);
  font-weight: 700;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.tip-item__title {
  font-family: var(--font-display);
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: var(--space-2);
}
.tip-item__body { font-size: var(--text-sm); color: var(--gray-text); line-height: 1.6; }

/* ── Footer ── */
.footer {
  background: var(--navy);
  color: rgba(255,255,255,0.65);
  padding-block: var(--space-16) var(--space-8);
  border-top: 3px solid var(--gold);
}
.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: var(--space-10);
  margin-bottom: var(--space-12);
}
.footer__brand {}
.footer__tagline {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.55);
  margin-top: var(--space-3);
  font-style: italic;
  line-height: 1.5;
  max-width: 32ch;
}
.footer__heading {
  font-family: var(--font-display);
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--gold);
  margin-bottom: var(--space-5);
}
.footer__links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}
.footer__links a {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.65);
  text-decoration: none;
  transition: color var(--transition);
}
.footer__links a:hover { color: var(--gold); }
.footer__contact-item {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.65);
  margin-bottom: var(--space-3);
  display: flex;
  align-items: flex-start;
  gap: var(--space-2);
}
.footer__divider {
  height: 1px;
  background: rgba(255,255,255,0.08);
  margin-bottom: var(--space-6);
}
.footer__bottom {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: var(--space-4);
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.40);
}
.footer__veteran {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.75);
  font-weight: 600;
}
.footer__disclaimer {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.35);
  margin-top: var(--space-4);
  text-align: center;
}

@media (max-width: 768px) {
  .footer__grid { grid-template-columns: 1fr; gap: var(--space-8); }
}

/* ── Utility ── */
.text-center { text-align: center; }
.text-left { text-align: left; }
.mt-2 { margin-top: var(--space-2); }
.mt-4 { margin-top: var(--space-4); }
.mt-6 { margin-top: var(--space-6); }
.mt-8 { margin-top: var(--space-8); }
.mt-12 { margin-top: var(--space-12); }
.mb-4 { margin-bottom: var(--space-4); }
.mb-8 { margin-bottom: var(--space-8); }
.flex-center { display: flex; align-items: center; justify-content: center; }
.gap-4 { gap: var(--space-4); }

/* ── Animations ── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}
.fade-up {
  animation: fadeUp 0.65s cubic-bezier(0.16,1,0.3,1) both;
}
.fade-up--delay-1 { animation-delay: 0.1s; }
.fade-up--delay-2 { animation-delay: 0.2s; }
.fade-up--delay-3 { animation-delay: 0.3s; }

/* ── Tax Services Cards ── */
.tax-services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: var(--space-6);
}
.tax-card {
  background: var(--white);
  border: 1px solid var(--gray-mid);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  text-align: center;
  transition: box-shadow var(--transition), border-color var(--transition), transform var(--transition);
}
.tax-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--gold);
  transform: translateY(-2px);
}
.tax-card__icon {
  font-size: 2.4rem;
  margin-bottom: var(--space-4);
}
.tax-card__title {
  font-family: var(--font-display);
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: var(--space-2);
}
.tax-card__body { font-size: var(--text-sm); color: var(--gray-text); line-height: 1.6; }

/* ── About Story Section ── */
.story-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(var(--space-10), 6vw, var(--space-20));
  align-items: center;
}
@media (max-width: 768px) {
  .story-layout { grid-template-columns: 1fr; }
}
.story__quote {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-style: italic;
  color: var(--navy);
  line-height: 1.4;
  padding-left: var(--space-6);
  border-left: 4px solid var(--gold);
  margin-bottom: var(--space-6);
}

/* ── Two-col layout ── */
.two-col {
  display: grid;
  grid-template-columns: 3fr 2fr;
  gap: var(--space-12);
  align-items: flex-start;
}
@media (max-width: 900px) {
  .two-col { grid-template-columns: 1fr; }
}