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

  :root {
    --navy:       #16243F;
    --navy-mid:   #1E3354;
    --navy-light: #2A4570;
    --gold:       #B8862E;
    --gold-light: #D4A23F;
    --gold-pale:  #F6EEDB;
    --cream:      #FAF8F4;
    --white:      #FFFFFF;
    --gray-100:   #F4F4F2;
    --gray-300:   #D1D1CC;
    --gray-500:   #7A7A72;
    --gray-700:   #3D3D38;
    --text:       var(--navy);

    --font-display: 'Playfair Display', Georgia, serif;
    --font-body:    'Inter', system-ui, sans-serif;

    --radius-sm: 4px;
    --radius-md: 8px;
    --radius-lg: 16px;
    --max-w: 1100px;
    --section-py: 96px;
  }

  html { scroll-behavior: smooth; }

  body {
    font-family: var(--font-body);
    font-size: 16px;
    line-height: 1.7;
    color: var(--text);
    background: transparent;
    -webkit-font-smoothing: antialiased;
    position: relative;
  }

  /* ── Site-wide background ──
     One pencil-art illustration, fixed to the viewport so it stays in
     the same place behind every section while the page scrolls or the
     user navigates. All section backgrounds below are translucent so
     this single image reads through consistently everywhere. */
  .watermark-fixed {
    position: fixed;
    inset: 0;
    background-image: url('site-background.png');
    background-size: cover;
    background-position: center 30%;
    background-repeat: no-repeat;
    z-index: -2;
    pointer-events: none;
  }

  /* ── Utilities ── */
  .container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
  .eyebrow {
    font-family: var(--font-body);
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--gold);
  }
  .section-title {
    font-family: var(--font-display);
    font-size: clamp(28px, 4vw, 42px);
    font-weight: 600;
    line-height: 1.2;
    color: var(--navy);
    margin-top: 12px;
  }
  .section-title.light { color: var(--white); }
  .section-sub {
    font-size: 17px;
    color: var(--gray-500);
    margin-top: 16px;
    max-width: 560px;
    line-height: 1.75;
  }
  .section-sub.light { color: rgba(255,255,255,0.65); }

  .btn-primary {
    display: inline-block;
    padding: 14px 32px;
    background: var(--gold);
    color: var(--white);
    font-family: var(--font-body);
    font-size: 14px;
    font-weight: 600;
    letter-spacing: 0.04em;
    text-decoration: none;
    border-radius: var(--radius-sm);
    border: none;
    cursor: pointer;
    transition: background 0.2s, transform 0.15s;
  }
  .btn-primary:hover { background: var(--gold-light); transform: translateY(-1px); }
  .btn-primary:active { transform: translateY(0); }

  .btn-outline {
    display: inline-block;
    padding: 14px 32px;
    background: transparent;
    color: var(--navy);
    font-family: var(--font-body);
    font-size: 14px;
    font-weight: 600;
    letter-spacing: 0.04em;
    text-decoration: none;
    border-radius: var(--radius-sm);
    border: 1.5px solid var(--navy);
    cursor: pointer;
    transition: background 0.2s, color 0.2s;
  }
  .btn-outline:hover { background: var(--navy); color: var(--white); }

  .btn-outline-light {
    display: inline-block;
    padding: 14px 32px;
    background: transparent;
    color: var(--white);
    font-family: var(--font-body);
    font-size: 14px;
    font-weight: 600;
    letter-spacing: 0.04em;
    text-decoration: none;
    border-radius: var(--radius-sm);
    border: 1.5px solid rgba(255,255,255,0.5);
    cursor: pointer;
    transition: border-color 0.2s, background 0.2s;
  }
  .btn-outline-light:hover { border-color: #fff; background: rgba(255,255,255,0.08); }

  /* ── Nav ── */
  nav {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(250,248,244,0.95);
    backdrop-filter: blur(8px);
    border-bottom: 1px solid rgba(184,134,46,0.18);
  }
  .nav-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 140px;
    max-width: var(--max-w);
    margin: 0 auto;
    padding: 0 24px 0 0;
  }
  .nav-logo {
    display: flex;
    align-items: center;
    text-decoration: none;
    flex-shrink: 0;
    margin-left: 0;
  }
  .nav-logo-img {
    height: 132px;
    width: auto;
    display: block;
  }
  .nav-logo span { display: none; }
  .nav-links {
    display: flex;
    align-items: center;
    gap: 28px;
    list-style: none;
  }
  .nav-links a {
    font-size: 13px;
    font-weight: 500;
    color: var(--navy-mid);
    text-decoration: none;
    letter-spacing: 0.02em;
    transition: color 0.15s;
    white-space: nowrap;
  }
  .nav-links a:hover { color: var(--navy); }
  .nav-cta {
    padding: 9px 22px;
    background: var(--gold);
    color: var(--white) !important;
    border-radius: var(--radius-sm);
    font-weight: 600 !important;
    font-size: 13px !important;
    letter-spacing: 0.04em !important;
    transition: background 0.2s !important;
    text-decoration: none;
    white-space: nowrap;
  }
  .nav-cta:hover { background: var(--gold-light) !important; }
  .nav-hamburger { display: none; }
  .nav-grievance {
    font-size: 13px;
    font-weight: 600;
    color: var(--gold) !important;
    text-decoration: none;
    border: 1.5px solid var(--gold);
    padding: 7px 16px;
    border-radius: var(--radius-sm);
    letter-spacing: 0.02em;
    transition: background 0.15s, color 0.15s !important;
    white-space: nowrap;
  }
  .nav-grievance:hover { background: var(--gold) !important; color: var(--white) !important; }
  .nav-scores {
    font-size: 12px !important;
    font-weight: 600 !important;
    color: rgba(22,36,63,0.55) !important;
    text-decoration: none;
    letter-spacing: 0.03em;
    display: flex;
    align-items: center;
    gap: 3px;
    padding: 4px 2px;
    border-bottom: 1px dashed rgba(22,36,63,0.25);
    transition: color 0.15s, border-color 0.15s !important;
    white-space: nowrap;
  }
  .nav-scores:hover { color: var(--navy) !important; border-color: var(--navy) !important; }
  /* Footer logo */
  .nav-logo-footer { display: inline-block; text-decoration: none; margin-bottom: 12px; }
  .footer-logo-img { height: 72px; width: auto; display: block; }
  .nav-login {
    font-size: 13px;
    font-weight: 500;
    color: var(--navy-mid) !important;
    text-decoration: none;
    border: 1px solid rgba(22,36,63,0.2);
    padding: 8px 18px;
    border-radius: var(--radius-sm);
    transition: border-color 0.15s, color 0.15s !important;
  }
  .nav-login:hover { border-color: rgba(22,36,63,0.4); color: var(--navy) !important; }

  /* ── Hero ── */
  .hero {
    background: rgba(250,248,244,0.55);
    position: relative;
    overflow: hidden;
    padding: 100px 0 90px;
  }
  .hero-grid {
    display: grid;
    grid-template-columns: 1fr 420px;
    gap: 64px;
    align-items: center;
  }
  .hero-tag {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 6px 14px;
    background: rgba(255,255,255,0.6);
    border: 1px solid rgba(184,134,46,0.4);
    border-radius: 100px;
    margin-bottom: 28px;
    backdrop-filter: blur(2px);
  }
  .hero-tag-dot {
    width: 6px; height: 6px;
    border-radius: 50%;
    background: var(--gold);
  }
  .hero-tag span {
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--gold);
  }
  .hero h1 {
    font-family: var(--font-display);
    font-size: clamp(36px, 5vw, 58px);
    font-weight: 600;
    line-height: 1.15;
    color: var(--navy);
    margin-bottom: 24px;
  }
  .hero h1 em {
    font-style: italic;
    color: var(--gold);
  }
  .hero-sub {
    font-size: 17px;
    line-height: 1.75;
    color: var(--gray-700);
    margin-bottom: 40px;
    max-width: 480px;
  }
  .hero-actions { display: flex; gap: 16px; align-items: center; flex-wrap: wrap; }
  .hero-note {
    margin-top: 40px;
    padding-top: 32px;
    border-top: 1px solid rgba(22,36,63,0.12);
    display: flex;
    align-items: center;
    gap: 24px;
    flex-wrap: wrap;
  }
  .hero-stat { display: flex; flex-direction: column; }
  .hero-stat-num {
    font-family: var(--font-display);
    font-size: 26px;
    font-weight: 600;
    color: var(--gold);
    line-height: 1;
  }
  .hero-stat-label {
    font-size: 12px;
    color: var(--gray-500);
    margin-top: 4px;
    letter-spacing: 0.02em;
  }
  .hero-divider {
    width: 1px; height: 40px;
    background: rgba(22,36,63,0.15);
  }

  /* Hero card */
  .hero-card {
    background: var(--white);
    border: 1px solid var(--gray-300);
    border-radius: var(--radius-lg);
    padding: 36px 32px;
    box-shadow: 0 20px 60px rgba(22,36,63,0.12);
  }
  .hero-card-title {
    font-family: var(--font-display);
    font-size: 20px;
    color: var(--navy);
    margin-bottom: 8px;
  }
  .hero-card-sub {
    font-size: 13px;
    color: var(--gray-500);
    margin-bottom: 28px;
    line-height: 1.5;
  }
  .hero-form-group { margin-bottom: 14px; }
  .hero-form-group label {
    display: block;
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--gray-500);
    margin-bottom: 6px;
  }
  .hero-form-group input,
  .hero-form-group select {
    width: 100%;
    padding: 11px 14px;
    background: var(--white);
    border: 1px solid var(--gray-300);
    border-radius: var(--radius-sm);
    color: var(--text);
    font-family: var(--font-body);
    font-size: 14px;
    outline: none;
    transition: border-color 0.2s;
  }
  .hero-form-group input::placeholder { color: var(--gray-300); }
  .hero-form-group input:focus,
  .hero-form-group select:focus { border-color: var(--gold); }
  .hero-form-group select { color: var(--gray-700); }
  .hero-card .btn-primary { width: 100%; text-align: center; margin-top: 8px; }
  .hero-card-disclaimer {
    font-size: 11px;
    color: var(--gray-500);
    text-align: center;
    margin-top: 14px;
    line-height: 1.5;
  }

  /* ── Trust bar ── */
  .trust-bar {
    background: rgba(246,238,219,0.6);
    border-top: 1px solid rgba(184,134,46,0.2);
    border-bottom: 1px solid rgba(184,134,46,0.2);
    padding: 20px 0;
  }
  .trust-bar-inner {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 48px;
    flex-wrap: wrap;
  }
  .trust-item {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 13px;
    font-weight: 500;
    color: var(--navy-mid);
  }
  .trust-item svg { flex-shrink: 0; }

  /* ── Value Props ── */
  .value-props { padding: var(--section-py) 0; background: rgba(255,255,255,0.65); }
  .value-props-header { text-align: center; margin-bottom: 64px; }
  .value-props-header .section-sub { margin: 16px auto 0; text-align: center; }
  .props-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
  }
  .prop-card {
    padding: 40px 32px;
    border: 1px solid var(--gray-300);
    border-radius: var(--radius-lg);
    background: var(--white);
    transition: border-color 0.2s, transform 0.2s;
    position: relative;
  }
  .prop-card:hover { border-color: var(--gold); transform: translateY(-4px); }
  .prop-icon {
    width: 52px; height: 52px;
    background: var(--gold-pale);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 24px;
  }
  .prop-icon svg { color: var(--gold); }
  .prop-card h3 {
    font-family: var(--font-display);
    font-size: 21px;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 12px;
    line-height: 1.3;
  }
  .prop-card p {
    font-size: 15px;
    color: var(--gray-500);
    line-height: 1.7;
  }

  /* ── Services ── */
  .services { padding: var(--section-py) 0; background: rgba(250,250,247,0.6); }
  .services-header { margin-bottom: 56px; }
  .services-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
  }
  .service-card {
    background: var(--white);
    border: 1px solid var(--gray-300);
    border-radius: var(--radius-lg);
    padding: 36px 32px;
    display: flex;
    flex-direction: column;
    gap: 12px;
    transition: border-color 0.2s, box-shadow 0.2s;
    text-decoration: none;
    color: inherit;
  }
  .service-card:hover {
    border-color: var(--navy-light);
    box-shadow: 0 4px 24px rgba(22,36,63,0.08);
  }
  .service-num {
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--gold);
  }
  .service-card h3 {
    font-family: var(--font-display);
    font-size: 22px;
    font-weight: 600;
    color: var(--navy);
    line-height: 1.3;
  }
  .service-card p {
    font-size: 15px;
    color: var(--gray-500);
    line-height: 1.7;
    flex: 1;
  }
  .service-link {
    font-size: 13px;
    font-weight: 600;
    color: var(--navy);
    letter-spacing: 0.03em;
    display: flex;
    align-items: center;
    gap: 6px;
    margin-top: 8px;
  }
  .service-link::after { content: '→'; transition: transform 0.15s; }
  .service-card:hover .service-link::after { transform: translateX(4px); }

  /* ── Who we serve ── */
  .who { padding: var(--section-py) 0; background: rgba(22,36,63,0.85); }
  .who-header { margin-bottom: 56px; }
  .clients-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
  }
  .client-card {
    background: rgba(255,255,255,0.05);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: var(--radius-lg);
    padding: 32px 24px;
    transition: background 0.2s, border-color 0.2s;
  }
  .client-card:hover {
    background: rgba(184,134,46,0.08);
    border-color: rgba(184,134,46,0.3);
  }
  .client-card-icon {
    width: 44px; height: 44px;
    background: rgba(184,134,46,0.12);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
  }
  .client-card h3 {
    font-family: var(--font-display);
    font-size: 18px;
    color: var(--white);
    margin-bottom: 10px;
    line-height: 1.3;
  }
  .client-card p {
    font-size: 14px;
    color: rgba(255,255,255,0.5);
    line-height: 1.65;
  }

  /* ── About strip ── */
  .about-strip { padding: var(--section-py) 0; background: rgba(255,255,255,0.65); }
  .about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
  }
  .about-photo {
    position: relative;
  }
  .about-photo-frame {
    width: 100%;
    aspect-ratio: 3/4;
    background: var(--gray-100);
    border-radius: var(--radius-lg);
    border: 1px solid var(--gray-300);
    overflow: hidden;
    color: var(--gray-500);
  }
  .about-photo-frame img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center top;
    display: block;
  }
  .about-photo-frame svg { opacity: 0.35; }
  .about-photo-frame p { font-size: 13px; opacity: 0.6; }
  .about-accent {
    position: absolute;
    bottom: -20px; right: -20px;
    background: var(--gold-pale);
    border: 1px solid rgba(184,134,46,0.3);
    border-radius: var(--radius-md);
    padding: 20px 24px;
    display: flex;
    flex-direction: column;
    gap: 2px;
  }
  .about-accent-num {
    font-family: var(--font-display);
    font-size: 28px;
    font-weight: 600;
    color: var(--navy);
    line-height: 1;
  }
  .about-accent-label { font-size: 12px; color: var(--gray-500); }
  .about-content .eyebrow { margin-bottom: 12px; }
  .about-content .section-title { margin-top: 0; margin-bottom: 20px; }
  .about-content p {
    font-size: 16px;
    color: var(--gray-500);
    line-height: 1.8;
    margin-bottom: 16px;
  }
  .about-credentials {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
    margin: 24px 0 32px;
  }
  .credential {
    padding: 6px 14px;
    background: var(--gray-100);
    border-radius: 100px;
    font-size: 12px;
    font-weight: 600;
    color: var(--navy);
    letter-spacing: 0.04em;
  }

  /* ── Insights ── */
  .insights { padding: var(--section-py) 0; background: rgba(255,255,255,0.65); }
  .insights-header {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    margin-bottom: 48px;
    gap: 24px;
    flex-wrap: wrap;
  }
  .insights-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
  }
  .insight-card {
    border: 1px solid var(--gray-300);
    border-radius: var(--radius-lg);
    overflow: hidden;
    background: var(--white);
    transition: border-color 0.2s;
    text-decoration: none;
    color: inherit;
    display: flex;
    flex-direction: column;
  }
  .insight-card:hover { border-color: var(--navy-light); }
  .insight-thumb {
    height: 160px;
    background: var(--navy);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-display);
    font-size: 13px;
    color: rgba(255,255,255,0.3);
  }
  .insight-thumb.gold-bg { background: var(--gold-pale); color: var(--gold); }
  .insight-thumb.mid-bg { background: var(--navy-mid); }
  .insight-body { padding: 24px; flex: 1; display: flex; flex-direction: column; gap: 10px; }
  .insight-tag {
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--gold);
  }
  .insight-card h3 {
    font-family: var(--font-display);
    font-size: 18px;
    color: var(--navy);
    line-height: 1.35;
  }
  .insight-card p { font-size: 14px; color: var(--gray-500); line-height: 1.65; flex: 1; }
  .insight-meta { font-size: 12px; color: var(--gray-300); margin-top: auto; padding-top: 16px; }

  /* ── Newsletter ── */
  .newsletter { padding: 80px 0; background: rgba(30,51,84,0.85); }
  .newsletter-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: center;
  }
  .newsletter h2 {
    font-family: var(--font-display);
    font-size: clamp(26px, 3.5vw, 38px);
    color: var(--white);
    line-height: 1.25;
    margin-bottom: 12px;
  }
  .newsletter p { font-size: 16px; color: rgba(255,255,255,0.55); line-height: 1.7; }
  .newsletter-form { display: flex; flex-direction: column; gap: 14px; }
  .newsletter-row { display: flex; gap: 12px; }
  .newsletter-form input {
    flex: 1;
    padding: 13px 16px;
    background: rgba(255,255,255,0.07);
    border: 1px solid rgba(255,255,255,0.15);
    border-radius: var(--radius-sm);
    color: var(--white);
    font-family: var(--font-body);
    font-size: 14px;
    outline: none;
    transition: border-color 0.2s;
  }
  .newsletter-form input::placeholder { color: rgba(255,255,255,0.35); }
  .newsletter-form input:focus { border-color: var(--gold); }
  .newsletter-disclaimer {
    font-size: 11px;
    color: rgba(255,255,255,0.3);
    line-height: 1.6;
  }

  /* ── CTA Banner ── */
  .cta-banner { padding: var(--section-py) 0; background: rgba(246,238,219,0.6); }
  .cta-banner-inner { text-align: center; max-width: 680px; margin: 0 auto; }
  .cta-banner h2 {
    font-family: var(--font-display);
    font-size: clamp(28px, 4vw, 44px);
    color: var(--navy);
    line-height: 1.2;
    margin-bottom: 16px;
  }
  .cta-banner p { font-size: 17px; color: var(--gray-500); margin-bottom: 36px; line-height: 1.7; }
  .cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

  /* ── Footer ── */
  footer { background: rgba(22,36,63,0.9); padding: 64px 0 32px; }
  .footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 48px;
    padding-bottom: 48px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
  }
  .footer-brand .nav-logo { display: block; margin-bottom: 16px; }
  .footer-brand p { font-size: 13px; color: rgba(255,255,255,0.4); line-height: 1.7; max-width: 260px; }
  .footer-col h4 {
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.35);
    margin-bottom: 16px;
  }
  .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
  .footer-col ul a {
    font-size: 13px;
    color: rgba(255,255,255,0.55);
    text-decoration: none;
    transition: color 0.15s;
  }
  .footer-col ul a:hover { color: var(--white); }
  .footer-bottom {
    padding-top: 28px;
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    gap: 24px;
    flex-wrap: wrap;
  }
  .footer-legal { font-size: 11px; color: rgba(255,255,255,0.25); line-height: 1.7; max-width: 640px; }
  .footer-copy { font-size: 11px; color: rgba(255,255,255,0.25); white-space: nowrap; }

  /* ── Footer grievance form ── */
  .footer-grievance {
    padding: 32px 0;
    border-top: 1px solid rgba(255,255,255,0.1);
    border-bottom: 1px solid rgba(255,255,255,0.1);
    display: grid;
    grid-template-columns: 1fr 1.6fr;
    gap: 48px;
    align-items: start;
    margin-bottom: 0;
  }
  .footer-grievance-label h4 {
    font-family: var(--font-display);
    font-size: 16px;
    font-weight: 600;
    color: var(--white);
    margin-bottom: 6px;
    line-height: 1.3;
  }
  .footer-grievance-label p {
    font-size: 12px;
    color: rgba(255,255,255,0.4);
    line-height: 1.65;
  }
  .footer-grievance-label a {
    color: var(--gold-light);
    text-decoration: none;
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.04em;
    display: inline-flex;
    align-items: center;
    gap: 4px;
    margin-top: 8px;
    transition: color 0.15s;
  }
  .footer-grievance-label a:hover { color: var(--white); }
  .footer-grievance-form { display: flex; flex-direction: column; gap: 10px; }
  .footer-grievance-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
  .footer-grievance-form input,
  .footer-grievance-form select,
  .footer-grievance-form textarea {
    width: 100%;
    padding: 10px 13px;
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.12);
    border-radius: var(--radius-sm);
    color: var(--white);
    font-family: var(--font-body);
    font-size: 13px;
    outline: none;
    transition: border-color 0.2s;
  }
  .footer-grievance-form input::placeholder,
  .footer-grievance-form textarea::placeholder { color: rgba(255,255,255,0.28); }
  .footer-grievance-form input:focus,
  .footer-grievance-form select:focus,
  .footer-grievance-form textarea:focus { border-color: var(--gold); }
  .footer-grievance-form select { color: rgba(255,255,255,0.55); }
  .footer-grievance-form select option { background: var(--navy); color: var(--white); }
  .footer-grievance-form textarea { resize: none; min-height: 72px; }
  .footer-grievance-submit {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-top: 2px;
    flex-wrap: wrap;
  }
  .footer-grievance-submit .btn-primary {
    padding: 10px 24px;
    font-size: 13px;
  }
  .footer-grievance-submit .fg-note {
    font-size: 11px;
    color: rgba(255,255,255,0.3);
    line-height: 1.5;
  }
  .fg-success {
    display: none;
    font-size: 13px;
    color: #6FB85F;
    font-weight: 500;
    align-items: center;
    gap: 6px;
  }
  .fg-success.visible { display: flex; }

  @media (max-width: 960px) {
    .footer-grievance { grid-template-columns: 1fr; gap: 20px; }
    .footer-grievance-row { grid-template-columns: 1fr; gap: 10px; }
  }

  /* ── Responsive ── */
  @media (max-width: 960px) {
    .hero-grid { grid-template-columns: 1fr; }
    .hero-card { max-width: 480px; }
    .props-grid { grid-template-columns: 1fr; }
    .clients-grid { grid-template-columns: repeat(2, 1fr); }
    .about-grid { grid-template-columns: 1fr; }
    .about-photo { display: none; }
    .insights-grid { grid-template-columns: 1fr; }
    .newsletter-inner { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .services-grid { grid-template-columns: 1fr; }
  }
  @media (max-width: 640px) {
    :root { --section-py: 64px; }
    .clients-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; }
    .hero-note { gap: 16px; }
    .newsletter-row { flex-direction: column; }
  }

  /* ── Page transition overlay ──
     A full-screen navy overlay that plays a short scene while
     navigating between pages: a figure waters a seed, which grows
     into a full, leafy tree bearing fruit — small, consistent steps
     compounding into something bigger, echoing the brand's core
     message about financial planning. */
  #page-transition-overlay {
    position: fixed;
    inset: 0;
    z-index: 9999;
    background: var(--navy);
    display: flex;
    align-items: center;
    justify-content: center;
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transition: opacity 0.25s ease;
  }
  #page-transition-overlay.active {
    opacity: 1;
    visibility: visible;
    pointer-events: all;
  }
  #page-transition-overlay svg {
    width: 280px;
    height: 260px;
  }
  #page-transition-overlay .pt-caption {
    position: absolute;
    bottom: 14%;
    left: 0;
    right: 0;
    text-align: center;
    font-family: var(--font-display);
    font-size: 14px;
    font-style: italic;
    letter-spacing: 0.02em;
    color: rgba(255,255,255,0.45);
    opacity: 0;
    animation: pt-caption-fade 1.6s ease forwards;
  }
  @keyframes pt-caption-fade {
    0%   { opacity: 0; }
    35%  { opacity: 0; }
    60%  { opacity: 1; }
    100% { opacity: 1; }
  }

  .pt-drop {
    opacity: 0;
    animation: pt-drop-fall 0.6s ease-in infinite;
  }
  .pt-drop-1 { animation-delay: 0s; }
  .pt-drop-2 { animation-delay: 0.15s; }
  .pt-drop-3 { animation-delay: 0.3s; }

  .pt-seed {
    opacity: 1;
    animation: pt-seed-fade 1.4s ease-in forwards;
  }
  .pt-trunk {
    stroke-dasharray: 70;
    stroke-dashoffset: 70;
    animation: pt-draw 0.5s 0.35s ease-out forwards;
  }
  .pt-branch {
    stroke-dasharray: 22;
    stroke-dashoffset: 22;
    opacity: 0;
    animation: pt-branch-draw 0.35s ease-out forwards;
  }
  .pt-branch-1 { animation-delay: 0.70s; }
  .pt-branch-2 { animation-delay: 0.74s; }
  .pt-branch-3 { animation-delay: 0.85s; }
  .pt-branch-4 { animation-delay: 0.88s; }

  .pt-leaf {
    transform-origin: center;
    transform: scale(0);
    opacity: 0;
    animation: pt-leaf-pop 0.42s cubic-bezier(0.34, 1.56, 0.64, 1) forwards;
  }
  .pt-d1 { animation-delay: 0.95s; }
  .pt-d2 { animation-delay: 0.98s; }
  .pt-d3 { animation-delay: 0.98s; }
  .pt-d3b { animation-delay: 0.97s; }
  .pt-d4 { animation-delay: 1.04s; }
  .pt-d5 { animation-delay: 1.06s; }
  .pt-d6 { animation-delay: 1.06s; }
  .pt-d7 { animation-delay: 1.10s; }
  .pt-d8 { animation-delay: 1.10s; }
  .pt-d9 { animation-delay: 1.08s; }
  .pt-d9b { animation-delay: 1.12s; }
  .pt-d9c { animation-delay: 1.13s; }
  .pt-d9d { animation-delay: 1.13s; }
  .pt-d10 { animation-delay: 1.15s; }
  .pt-d11 { animation-delay: 1.17s; }
  .pt-d12 { animation-delay: 1.19s; }
  .pt-d13 { animation-delay: 1.19s; }
  .pt-d14 { animation-delay: 1.21s; }
  .pt-d15 { animation-delay: 1.22s; }
  .pt-d16 { animation-delay: 1.22s; }
  .pt-d17 { animation-delay: 1.24s; }
  .pt-d18 { animation-delay: 1.24s; }
  .pt-d19 { animation-delay: 1.18s; }

  .pt-fruit {
    transform-origin: center;
    transform: scale(0);
    opacity: 0;
    animation: pt-fruit-pop 0.4s cubic-bezier(0.34, 1.56, 0.64, 1) forwards;
  }
  .pt-fruit-1 { animation-delay: 1.30s; }
  .pt-fruit-2 { animation-delay: 1.32s; }
  .pt-fruit-3 { animation-delay: 1.34s; }
  .pt-fruit-4 { animation-delay: 1.36s; }
  .pt-fruit-5 { animation-delay: 1.36s; }
  .pt-fruit-6 { animation-delay: 1.40s; }
  .pt-fruit-7 { animation-delay: 1.40s; }

  @keyframes pt-drop-fall {
    0%   { opacity: 0; transform: translateY(0); }
    15%  { opacity: 1; }
    80%  { opacity: 1; transform: translateY(14px); }
    100% { opacity: 0; transform: translateY(16px); }
  }
  @keyframes pt-seed-fade {
    0%  { opacity: 1; }
    55% { opacity: 1; }
    75% { opacity: 0; }
    100%{ opacity: 0; }
  }
  @keyframes pt-draw {
    to { stroke-dashoffset: 0; }
  }
  @keyframes pt-branch-draw {
    to { stroke-dashoffset: 0; opacity: 1; }
  }
  @keyframes pt-leaf-pop {
    to { transform: scale(1); opacity: 1; }
  }
  @keyframes pt-fruit-pop {
    to { transform: scale(1); opacity: 1; }
  }

  @media (prefers-reduced-motion: reduce) {
    #page-transition-overlay { transition: none; }
    .pt-seed, .pt-trunk, .pt-branch, .pt-leaf, .pt-fruit, .pt-caption, .pt-drop { animation: none !important; opacity: 1 !important; transform: none !important; stroke-dashoffset: 0 !important; }
  }
  @media (prefers-reduced-motion: reduce) {
    *, *::before, *::after { transition: none !important; transform: none !important; }
  }

  /* ══════════════════════════════════════════════
     MOBILE & RESPONSIVE STYLES
     Breakpoints: 960px (tablet), 640px (mobile)
     ══════════════════════════════════════════════ */

  /* ── Tablet (≤960px) ── */
  @media (max-width: 960px) {

    /* Nav */
    .nav-inner { padding: 0 16px 0 0; }
    .nav-logo-img { height: 96px; }
    .nav-links { gap: 18px; }
    .nav-links a { font-size: 12px; }
    .nav-grievance { padding: 6px 10px; font-size: 11px; }
    .nav-cta { padding: 8px 14px; font-size: 12px !important; }

    /* Hero */
    .hero-inner { grid-template-columns: 1fr; gap: 40px; }
    .hero-card { max-width: 100%; }
    .hero-stats { gap: 24px; }

    /* Grids */
    .trust-bar-inner { gap: 16px; flex-wrap: wrap; }
    .value-props-grid { grid-template-columns: 1fr 1fr; }
    .services-grid { grid-template-columns: 1fr 1fr; }
    .who-grid { grid-template-columns: 1fr 1fr; }
    .insights-grid { grid-template-columns: 1fr 1fr; }
    .about-grid { grid-template-columns: 1fr; gap: 40px; }
    .bio-grid { grid-template-columns: 1fr; gap: 32px; }
    .bio-photo-frame { max-width: 320px; }
    .values-grid { grid-template-columns: 1fr 1fr; }
    .overview-grid { grid-template-columns: 1fr; gap: 32px; }
    .contact-grid { grid-template-columns: 1fr; gap: 32px; }
    .service-detail-grid { grid-template-columns: 1fr; gap: 32px; }
    .service-features { grid-template-columns: 1fr 1fr; }
    .fee-grid { grid-template-columns: 1fr; gap: 40px; }
    .reasons-grid { grid-template-columns: 1fr; }
    .reason-card.featured { grid-column: 1; }
    .motivation-grid { grid-template-columns: 1fr; gap: 40px; }
    .market-grid { grid-template-columns: 1fr 1fr; }
    .reg-grid { grid-template-columns: 1fr 1fr; }
    .scores-banner { flex-direction: column; align-items: flex-start; gap: 20px; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
    .footer-grievance { grid-template-columns: 1fr; gap: 24px; }
    .footer-grievance-row { grid-template-columns: 1fr; }
    .cta-banner-inner { text-align: left; }
    .newsletter-inner { grid-template-columns: 1fr; gap: 32px; }
    .booking-section .calendly-wrap { max-width: 100%; }
    .intro-strip-inner { grid-template-columns: 1fr; gap: 24px; }
  }

  /* ── Mobile (≤640px) ── */
  @media (max-width: 768px) {

    :root { --section-py: 56px; }

    /* ── Nav: hamburger ── */
    .nav-inner {
      padding: 0 16px;
      height: 80px;
      position: relative;
    }
    .nav-logo-img { height: 64px; }
    .nav-links { display: none !important; }
    .nav-links.open {
      display: flex !important;
      flex-direction: column;
      position: fixed;
      top: 80px;
      left: 0; right: 0;
      background: rgba(250,248,244,0.98);
      backdrop-filter: blur(12px);
      border-bottom: 1px solid rgba(184,134,46,0.2);
      padding: 20px 24px 28px;
      gap: 0;
      z-index: 999;
      box-shadow: 0 8px 32px rgba(22,36,63,0.12);
    }
    .nav-links.open li { border-bottom: 1px solid rgba(22,36,63,0.06); }
    .nav-links.open li:last-child { border-bottom: none; }
    .nav-links.open a {
      display: block;
      padding: 14px 0;
      font-size: 15px;
      color: var(--navy);
      white-space: nowrap;
    }
    .nav-links.open .nav-grievance,
    .nav-links.open .nav-cta {
      display: inline-block;
      margin-top: 8px;
    }
    .nav-hamburger {
      display: flex !important;
      flex-direction: column;
      justify-content: center;
      gap: 5px;
      background: none;
      border: none;
      cursor: pointer;
      padding: 8px;
      margin-left: auto;
      flex-shrink: 0;
    }
    .nav-hamburger span {
      display: block;
      width: 26px;
      height: 2.5px;
      background: var(--navy);
      border-radius: 2px;
      transition: transform 0.25s, opacity 0.25s;
    }
    .nav-hamburger.open span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
    .nav-hamburger.open span:nth-child(2) { opacity: 0; }
    .nav-hamburger.open span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

    /* ── Hero ── */
    .hero { padding: 40px 0 56px; }
    .hero-inner { grid-template-columns: 1fr; gap: 32px; }
    .hero h1 { font-size: clamp(30px, 8vw, 42px); }
    .hero-note { font-size: 11px; gap: 10px; flex-wrap: wrap; }
    .hero-stats {
      gap: 0;
      flex-direction: column;
      align-items: flex-start;
    }
    .hero-stat, .hero-divider { display: none; }
    .hero-stat:first-child { display: flex; }
    .hero-actions { flex-direction: column; gap: 12px; }
    .hero-actions a { width: 100%; text-align: center; }

    /* ── Trust bar ── */
    .trust-bar-inner {
      flex-wrap: wrap;
      gap: 12px;
      justify-content: flex-start;
    }
    .trust-item { font-size: 12px; gap: 6px; }

    /* ── Section headings ── */
    .section-title { font-size: clamp(24px, 6vw, 34px); }

    /* ── Value props ── */
    .value-props-grid { grid-template-columns: 1fr; gap: 16px; }
    .vp-card { padding: 24px 20px; }

    /* ── Services grid ── */
    .services-grid { grid-template-columns: 1fr; gap: 16px; }
    .who-grid { grid-template-columns: 1fr; gap: 16px; }

    /* ── About strip on homepage ── */
    .about-grid { grid-template-columns: 1fr; gap: 28px; }
    .about-photo { max-width: 280px; }
    .about-accent { display: none; }
    .about-credentials { gap: 8px; }
    .credential { font-size: 11px; padding: 5px 10px; }

    /* ── Insights grid ── */
    .insights-grid { grid-template-columns: 1fr; gap: 16px; }

    /* ── Newsletter ── */
    .newsletter-inner { grid-template-columns: 1fr; gap: 24px; }
    .newsletter-row { flex-direction: column; gap: 10px; }
    .newsletter-row input { width: 100%; }

    /* ── CTA banner ── */
    .cta-banner { padding: 56px 0; }
    .cta-banner-inner { text-align: left; }
    .cta-actions { flex-direction: column; gap: 12px; align-items: flex-start; }
    .cta-actions a { width: 100%; text-align: center; }

    /* ── Footer ── */
    .footer-grid { grid-template-columns: 1fr; gap: 28px; }
    .footer-bottom { flex-direction: column; gap: 8px; }
    .footer-legal { font-size: 11px; }
    .footer-grievance { grid-template-columns: 1fr; gap: 20px; }
    .footer-grievance-row { grid-template-columns: 1fr; gap: 10px; }
    .footer-grievance-submit { flex-wrap: wrap; }

    /* ── Page heroes ── */
    .page-hero { padding: 40px 0 36px; }
    .page-hero h1 { font-size: clamp(26px, 7vw, 36px); }

    /* ── About page ── */
    .bio-grid { grid-template-columns: 1fr; }
    .bio-photo-frame { max-width: 100%; aspect-ratio: 4/3; }
    .bio-credentials { flex-wrap: wrap; gap: 8px; }
    .values-grid { grid-template-columns: 1fr; }
    .timeline-item { grid-template-columns: 40px 1fr; gap: 14px; }
    .timeline-dot { width: 40px; height: 40px; font-size: 10px; }
    .timeline::before { left: 19px; }
    .motivation-grid { grid-template-columns: 1fr; gap: 28px; }
    .market-grid { grid-template-columns: 1fr; }
    .overview-grid { grid-template-columns: 1fr; }

    /* ── Services page ── */
    .service-detail-grid { grid-template-columns: 1fr; }
    .service-features { grid-template-columns: 1fr; gap: 12px; }
    .process-timeline { max-width: 100%; }
    .process-step { grid-template-columns: 44px 1fr; }

    /* ── Contact page ── */
    .contact-grid { grid-template-columns: 1fr; }
    .contact-form-card { padding: 24px 18px; }
    .form-row { grid-template-columns: 1fr; gap: 0; }
    .booking-header h2 { font-size: 22px; }

    /* ── Disclosures page ── */
    .reg-grid { grid-template-columns: 1fr; }
    .grievance-step { grid-template-columns: 36px 1fr; gap: 12px; }
    .scores-banner { flex-direction: column; gap: 16px; }
    .audit-card { flex-direction: column; gap: 16px; }
    .table-wrap { overflow-x: auto; }

    /* ── Why RIA page ── */
    .intro-strip-inner { grid-template-columns: 1fr; gap: 20px; }
    .reasons-grid { grid-template-columns: 1fr; }
    .reason-card.featured { grid-column: 1; padding: 28px 22px; }
    .hero-stat-row { flex-direction: column; gap: 16px; }

    /* ── Calendly embed ── */
    .calendly-inline-widget { height: 580px !important; }
  }