/*
Theme Name: DMW Financial
Theme URI: https://dmwfinancial.com
Author: DMW Financial LLC
Author URI: https://dmwfinancial.com
Description: A professional, life-first financial planning website for DMW Financial LLC. Built for compliance with Cambridge Investment Research / FINRA requirements.
Version: 1.0.0
License: GNU General Public License v2 or later
License URI: http://www.gnu.org/licenses/gpl-2.0.html
Text Domain: dmw-financial
*/

/* =============================================================
   BRAND VARIABLES
   ============================================================= */
:root {
  --color-ink:    #1C1F2E;
  --color-navy:   #2C3E5A;
  --color-copper: #E8841A;
  --color-sand:   #E8DDD0;
  --color-ivory:  #F7F5F2;
  --color-white:  #FFFFFF;
  --color-muted:  #8898AA;
  --color-mid:    #4A5568;

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

  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;

  --shadow-sm: 0 2px 8px rgba(28,31,46,0.08);
  --shadow-md: 0 8px 24px rgba(28,31,46,0.12);
  --shadow-lg: 0 20px 60px rgba(28,31,46,0.15);

  --transition: all 0.25s ease;
  --max-width: 1120px;
  --section-padding: 96px 24px;
  --nav-height: 76px;
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
  /* Account for fixed nav so anchor links don't hide behind it */
  scroll-padding-top: 130px;
  /* Prevent font size adjustment on orientation change (iOS) */
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
}

body {
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.8;
  color: var(--color-ink);
  background: var(--color-ivory);
  -webkit-font-smoothing: antialiased;
  /* Prevent horizontal overflow on mobile */
  overflow-x: hidden;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

/* Remove tap highlight on mobile — we use :focus-visible instead */
a, button {
  -webkit-tap-highlight-color: transparent;
}

/* Prevent double-tap zoom on interactive elements */
a, button, [role="button"] {
  touch-action: manipulation;
}

/* iOS: prevent auto-zoom on input focus (must be >= 16px) */
input, textarea, select {
  font-size: 16px;
}

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

a:hover { opacity: 0.8; }

ul, ol { list-style: none; }

/* =============================================================
   TYPOGRAPHY
   ============================================================= */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  font-weight: 400;
  line-height: 1.25;
  color: var(--color-navy);
}

h1 { font-size: clamp(38px, 5vw, 56px); }
h2 { font-size: clamp(28px, 3.5vw, 40px); }
h3 { font-size: clamp(20px, 2.5vw, 26px); font-style: italic; color: var(--color-mid); }
h4 { font-size: 20px; font-family: var(--font-body); font-weight: 700; }

p { margin-bottom: 1em; }
p:last-child { margin-bottom: 0; }

.label-caps {
  font-family: var(--font-body);
  font-size: 17px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--color-muted);
}

.pull-quote {
  font-family: var(--font-display);
  font-style: italic;
  font-size: clamp(20px, 2.5vw, 28px);
  line-height: 1.5;
  color: var(--color-navy);
}

/* =============================================================
   LAYOUT UTILITIES
   ============================================================= */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

.section {
  padding: var(--section-padding);
}

.section--ivory   { background: var(--color-ivory); }
.section--white   { background: var(--color-white); }
.section--sand    { background: var(--color-sand); }
.section--navy    {
  background: var(--color-navy);
  position: relative;
}
.section--navy::before {
  content: '';
  position: absolute;
  top: 0;
  right: 0;
  width: 40%;
  height: 100%;
  background: radial-gradient(ellipse at top right, rgba(232,132,26,0.08) 0%, transparent 70%);
  pointer-events: none;
}
.section--copper  { background: var(--color-copper); }

.text-center { text-align: center; }
.text-white  { color: var(--color-white) !important; }
.text-copper { color: var(--color-copper) !important; }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.grid-3-2 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; }

.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }

/* Scroll-triggered fade in */
.fade-up {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.fade-up.visible {
  opacity: 1;
  transform: translateY(0);
}
.fade-up:nth-child(2) { transition-delay: 0.1s; }
.fade-up:nth-child(3) { transition-delay: 0.2s; }

/* =============================================================
   BUTTONS
   ============================================================= */
.btn {
  display: inline-block;
  font-family: var(--font-body);
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.5px;
  padding: 14px 32px;
  border-radius: var(--radius-sm);
  border: 2px solid transparent;
  cursor: pointer;
  transition: var(--transition);
  text-align: center;
  white-space: nowrap;
}

.btn-primary {
  background: var(--color-copper);
  color: var(--color-white);
  border-color: var(--color-copper);
}
.btn-primary:hover {
  background: #cf7416;
  border-color: #cf7416;
  opacity: 1;
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn-outline {
  background: transparent;
  color: var(--color-white);
  border-color: rgba(255,255,255,0.6);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.12);
  border-color: var(--color-white);
  opacity: 1;
  box-shadow: 0 4px 16px rgba(0,0,0,0.2);
}

.btn-white {
  background: var(--color-white);
  color: var(--color-copper);
  border-color: var(--color-white);
}
.btn-white:hover {
  background: var(--color-ivory);
  opacity: 1;
  transform: translateY(-1px);
  box-shadow: 0 8px 24px rgba(0,0,0,0.15);
}

.btn-secondary {
  background: var(--color-navy);
  color: var(--color-white);
  border-color: var(--color-navy);
  font-size: 15px;
  padding: 16px 36px;
  letter-spacing: 0.3px;
}
.btn-secondary:hover {
  background: #0f2340;
  border-color: #0f2340;
  opacity: 1;
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-outline-navy {
  background: transparent;
  color: var(--color-navy);
  border-color: var(--color-navy);
}
.btn-outline-navy:hover {
  background: var(--color-navy);
  color: var(--color-white);
  opacity: 1;
}

/* =============================================================
   NAVIGATION
   ============================================================= */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--color-white);
  height: var(--nav-height);
  display: flex;
  align-items: center;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.3s ease;
}

.site-header.scrolled {
  box-shadow: var(--shadow-md);
}

.nav-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-logo img,
.nav-logo .custom-logo,
.nav-logo .custom-logo-link img {
  height: 72px;
  width: auto;
  max-width: 260px;
  object-fit: contain;
}

/* WordPress custom logo wrapper reset */
.nav-logo .custom-logo-link {
  display: flex;
  align-items: center;
}

.nav-logo figure,
.nav-logo .wp-block-site-logo {
  margin: 0;
  line-height: 0;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
}

.nav-links a {
  font-family: var(--font-body);
  font-size: 15px;
  font-weight: 600;
  white-space: nowrap;
  color: var(--color-ink);
  position: relative;
  padding-bottom: 4px;
}

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--color-copper);
  transition: width 0.25s ease;
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--color-navy);
  opacity: 1;
}

.nav-links a:hover::after,
.nav-links a.active::after {
  width: 100%;
}

.nav-cta {
  margin-left: 16px;
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  min-width: 44px;
  min-height: 44px;
  justify-content: center;
  align-items: center;
  cursor: pointer;
  padding: 4px;
  background: none;
  border: none;
  z-index: 1100;
}

.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--color-navy);
  transition: var(--transition);
}

.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-nav {
  display: flex;
  position: fixed;
  top: var(--nav-height);
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--color-white);
  z-index: 999;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 32px;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: opacity 0.3s ease, visibility 0.3s ease;
}

.mobile-nav.open {
  opacity: 1;
  visibility: visible;
  pointer-events: all;
}

.mobile-nav a {
  font-family: var(--font-display);
  font-size: 28px;
  color: var(--color-navy);
  font-weight: 400;
}

.mobile-nav a:hover {
  color: var(--color-copper);
  opacity: 1;
}

/* =============================================================
   HERO
   ============================================================= */
/* ===== FULL-WIDTH HERO WITH BACKGROUND IMAGE ===== */
.hero {
  position: relative;
  overflow: hidden;
  min-height: 85vh;
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 40%;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  z-index: 1;
  background:
    linear-gradient(180deg, rgba(28,31,46,0.72) 0%, rgba(44,62,90,0.55) 50%, rgba(28,31,46,0.80) 100%);
}

.hero-inner--centered {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 140px 24px 100px;
  position: relative;
  z-index: 2;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
}

.hero-content { max-width: 780px; }

.hero-tagline {
  display: inline-block;
  font-family: var(--font-display);
  font-style: italic;
  font-size: 22px;
  color: var(--color-copper);
  border: 1px solid rgba(232,132,26,0.6);
  padding: 10px 28px;
  border-radius: 100px;
  margin-bottom: 28px;
  letter-spacing: 0.5px;
  backdrop-filter: blur(4px);
  background: rgba(232,132,26,0.08);
}

.hero h1 {
  color: var(--color-white);
  margin-bottom: 24px;
  font-size: 56px;
  line-height: 1.15;
  text-shadow: 0 2px 24px rgba(0,0,0,0.25);
}

.hero-sub {
  font-size: 20px;
  color: rgba(255,255,255,0.88);
  margin-bottom: 40px;
  line-height: 1.7;
  text-shadow: 0 1px 8px rgba(0,0,0,0.2);
}

.hero-ctas {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  justify-content: center;
}

.btn-lg {
  padding: 16px 36px;
  font-size: 16px;
  letter-spacing: 0.3px;
}

.hero-scroll-hint {
  position: absolute;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 2;
  color: rgba(255,255,255,0.5);
  animation: bounce-down 2s ease-in-out infinite;
}

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

/* Legacy hero image (kept for inner page use) */
.hero-image {
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: linear-gradient(135deg, rgba(232,132,26,0.15) 0%, rgba(44,62,90,0.6) 100%);
  height: 420px;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
}

.hero-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.85;
}

/* Simple hero (for inner pages) */
.hero--simple {
  padding: 80px 24px 64px;
}

/* Shorter fullwidth hero variant (for inner pages with background images) */
.hero--shorter {
  min-height: 52vh;
}

.hero--simple .hero-inner {
  grid-template-columns: 1fr;
  max-width: 780px;
  text-align: center;
}

.hero--simple .hero-sub {
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}

/* =============================================================
   TRUST BAR
   ============================================================= */
.trust-bar {
  background: var(--color-white);
  padding: 22px 24px;
  border-bottom: 1px solid rgba(44,62,90,0.08);
  box-shadow: 0 4px 16px rgba(28,31,46,0.06);
  position: relative;
  z-index: 3;
}

.trust-bar-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
}

.trust-bar-item {
  font-family: var(--font-body);
  font-size: 15px;
  font-weight: 600;
  color: var(--color-navy);
  padding: 4px 20px;
  display: flex;
  align-items: center;
  gap: 20px;
}

.trust-bar-item::after {
  content: '·';
  color: var(--color-copper);
  font-size: 20px;
  line-height: 1;
}

.trust-bar-item:last-child::after { display: none; }

/* =============================================================
   SECTION HEADERS
   ============================================================= */
.section-header {
  margin-bottom: 56px;
}

.section-header.text-center .section-label {
  display: block;
  text-align: center;
  margin-bottom: 12px;
}

.section-header h2 {
  margin-bottom: 16px;
}

.section-header p {
  font-size: 17px;
  color: var(--color-mid);
  max-width: 580px;
}

.section-header.text-center p {
  margin-left: auto;
  margin-right: auto;
}

/* =============================================================
   FEATURE CARDS (3-column)
   ============================================================= */
.feature-card {
  padding: 36px 32px;
  background: var(--color-white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  border-top: 3px solid transparent;
  position: relative;
  overflow: hidden;
}

.feature-card::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--color-copper), var(--color-navy));
  opacity: 0;
  transition: opacity 0.3s ease;
}

.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.feature-card:hover::after {
  opacity: 1;
}

.feature-icon {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: linear-gradient(135deg, rgba(232,132,26,0.12) 0%, rgba(44,62,90,0.06) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  color: var(--color-copper);
}

.feature-card h3 {
  font-style: normal;
  font-family: var(--font-body);
  font-size: 18px;
  font-weight: 700;
  color: var(--color-navy);
  margin-bottom: 10px;
}

.feature-card p {
  font-size: 15px;
  color: var(--color-mid);
}

/* =============================================================
   THREE-COL GRID (service detail pages)
   ============================================================= */
.three-col-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

/* =============================================================
   SERVICE CARDS (3x2 grid on homepage)
   ============================================================= */
.service-card {
  background: var(--color-white);
  border-radius: var(--radius-md);
  padding: 28px 28px 28px 24px;
  border-left: 4px solid var(--color-copper);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
}

.service-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-left-color: var(--color-navy);
}

.service-card-icon {
  color: var(--color-copper);
  margin-bottom: 14px;
}

.service-card h4 {
  color: var(--color-navy);
  margin-bottom: 8px;
  font-size: 16px;
}

.service-card p {
  font-size: 16px;
  color: var(--color-mid);
  flex: 1;
  margin-bottom: 14px;
}

.service-card a.learn-more {
  font-size: 15px;
  font-weight: 700;
  color: var(--color-copper);
  display: flex;
  align-items: center;
  gap: 4px;
}

.service-card a.learn-more:hover { opacity: 0.8; }

/* =============================================================
   HOW IT FEELS / PULL QUOTE SECTION
   ============================================================= */
.pull-quote-section {
  background: var(--color-sand);
  padding: var(--section-padding);
  position: relative;
  overflow: hidden;
}

.pull-quote-section::before {
  content: '\201C';
  position: absolute;
  top: -20px;
  left: 50%;
  transform: translateX(-50%);
  font-family: var(--font-display);
  font-size: 280px;
  line-height: 1;
  color: rgba(44,62,90,0.05);
  pointer-events: none;
}

.pull-quote-inner {
  max-width: 820px;
  margin: 0 auto;
  text-align: center;
  position: relative;
  z-index: 1;
}

.pull-quote-section .pull-quote {
  font-size: clamp(22px, 2.5vw, 30px);
  margin-bottom: 32px;
  color: var(--color-navy);
}

.pull-quote-section p {
  font-size: 17px;
  color: var(--color-mid);
  margin-bottom: 36px;
}

/* =============================================================
   STATS / TRUST SECTION
   ============================================================= */
.stat-card {
  text-align: center;
  padding: 32px 24px;
}

.stat-icon {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: rgba(232,132,26,0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  color: var(--color-copper);
}

.stat-card h3 {
  font-style: normal;
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 700;
  color: var(--color-white);
  margin-bottom: 8px;
}

.stat-card p {
  font-size: 14px;
  color: rgba(255,255,255,0.7);
}

/* Hypothetical scenario */
.scenario-box {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-md);
  padding: 36px 40px;
  margin-top: 56px;
}

.scenario-box p {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 19px;
  color: rgba(255,255,255,0.9);
  line-height: 1.65;
  text-align: center;
}

.scenario-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--color-copper);
  display: block;
  text-align: center;
  margin-bottom: 16px;
}

/* =============================================================
   CLIENT RESOURCES PAGE
   ============================================================= */

/* Quick-nav bar below hero */
.resources-quicknav {
  background: var(--color-navy);
  padding: 0;
  position: sticky;
  top: var(--nav-height);
  z-index: 90;
}
.resources-quicknav .container {
  display: flex;
  justify-content: center;
  gap: 0;
}
.quicknav-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 10px 24px;
  margin: 8px 6px;
  color: #fff;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.03em;
  text-decoration: none;
  background: rgba(255,255,255,0.12);
  border: 1.5px solid rgba(255,255,255,0.25);
  border-radius: 100px;
  transition: background 0.2s ease, border-color 0.2s ease, transform 0.15s ease;
  cursor: pointer;
}
.quicknav-link:hover,
.quicknav-link:focus {
  background: var(--color-copper);
  border-color: var(--color-copper);
  color: #fff;
  transform: translateY(-1px);
}
@media (max-width: 600px) {
  .resources-quicknav .container { flex-wrap: wrap; justify-content: center; }
  .quicknav-link { padding: 8px 16px; font-size: 13px; margin: 4px; }
}

.resource-card {
  display: block;
  background: var(--color-white);
  border: 1px solid rgba(44,62,90,0.08);
  border-radius: var(--radius-md);
  padding: 32px 28px;
  text-decoration: none;
  color: var(--color-ink);
  transition: var(--transition);
  box-shadow: var(--shadow-sm);
}
.resource-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
  border-color: var(--color-copper);
}
.resource-card h4 {
  font-family: var(--font-display);
  font-size: 20px;
  margin-bottom: 8px;
  color: var(--color-navy);
}
.resource-card p {
  font-size: 16px;
  color: var(--color-mid);
  line-height: 1.6;
  margin-bottom: 12px;
}
.resource-card-icon {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--color-ivory);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  color: var(--color-copper);
}
.resource-link {
  font-size: 15px;
  font-weight: 700;
  color: var(--color-copper);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  display: inline-block;
  text-decoration: none;
}
.resource-card:hover .resource-link {
  text-decoration: underline;
}
.resource-card--download {
  cursor: default;
}
.resource-card--download:hover {
  transform: none;
}
.resource-card--download .resource-link:hover {
  text-decoration: underline;
}

/* Portal cards with logos */
.resource-card--portal {
  text-align: center;
}
.resource-card-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 72px;
  margin-bottom: 16px;
  padding: 12px 16px;
  background: var(--color-white);
  border-radius: var(--radius-sm);
}
.resource-card-logo img {
  max-width: 100%;
  height: auto;
  max-height: 48px;
  object-fit: contain;
}

/* Disclosure Items */
.disclosure-item {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 24px;
  padding: 28px 0;
  border-bottom: 1px solid rgba(44,62,90,0.1);
}
.disclosure-item:first-child {
  padding-top: 0;
}
.disclosure-item:last-child {
  border-bottom: none;
}
.disclosure-item h4 {
  font-family: var(--font-display);
  font-size: 18px;
  color: var(--color-navy);
  margin-bottom: 6px;
}
.disclosure-item p {
  font-size: 16px;
  color: var(--color-mid);
  line-height: 1.6;
}

/* =============================================================
   FINAL CTA SECTION
   ============================================================= */
.cta-section {
  background: linear-gradient(135deg, var(--color-copper) 0%, #c46d10 50%, var(--color-navy) 100%);
  padding: 96px 24px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  top: -50%;
  left: -25%;
  width: 150%;
  height: 200%;
  background: radial-gradient(ellipse, rgba(255,255,255,0.06) 0%, transparent 60%);
  pointer-events: none;
}

.cta-section h2 {
  color: var(--color-white);
  margin-bottom: 16px;
  position: relative;
  z-index: 1;
}

.cta-section p {
  color: rgba(255,255,255,0.92);
  font-size: 18px;
  margin-bottom: 36px;
  max-width: 520px;
  margin-left: auto;
  margin-right: auto;
  position: relative;
  z-index: 1;
}

.cta-section .btn {
  position: relative;
  z-index: 1;
}

/* =============================================================
   ABOUT PAGE — ZEB SECTION
   ============================================================= */
.photo-placeholder {
  background: linear-gradient(135deg, var(--color-sand) 0%, rgba(44,62,90,0.1) 100%);
  border-radius: var(--radius-lg);
  height: 480px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-muted);
  font-size: 13px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.photo-placeholder::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--color-copper);
}

.bio-content h2 { margin-bottom: 8px; }

/* =============================================================
   TEAM PAGE
   ============================================================= */
.team-member-full {
  align-items: center;
  gap: 64px;
}

.grid-2--reversed {
  direction: rtl;
}
.grid-2--reversed > * {
  direction: ltr;
}

.team-photo-wrap {
  position: relative;
}

.team-photo {
  width: 100%;
  max-width: 400px;
  height: 440px;
  object-fit: cover;
  object-position: top center;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  display: block;
  margin: 0 auto;
}

.team-photo-placeholder {
  width: 100%;
  max-width: 400px;
  height: 440px;
  background: linear-gradient(135deg, var(--color-sand) 0%, rgba(44,62,90,0.08) 100%);
  border-radius: var(--radius-lg);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  color: var(--color-muted);
  font-size: 13px;
  gap: 12px;
  margin: 0 auto;
  border: 2px dashed rgba(44,62,90,0.15);
}

.team-bio-wrap h2 {
  font-size: clamp(28px, 3vw, 36px);
  margin-bottom: 12px;
  margin-top: 8px;
}

.team-credentials {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 20px;
}

.credential-tag {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.5px;
  color: var(--color-navy);
  background: rgba(44,62,90,0.08);
  border: 1px solid rgba(44,62,90,0.15);
  padding: 4px 12px;
  border-radius: 100px;
}

.team-bio-wrap p {
  font-size: 16px;
  color: var(--color-mid);
  margin-bottom: 14px;
  line-height: 1.8;
}

.team-contact-row {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
  margin-top: 28px;
  padding-top: 24px;
  border-top: 1px solid rgba(44,62,90,0.1);
}

.team-email-link {
  font-family: var(--font-body);
  font-size: 14px;
  font-weight: 600;
  color: var(--color-copper);
}

.team-phone {
  font-family: var(--font-body);
  font-size: 14px;
  font-weight: 600;
  color: var(--color-navy);
}

@media (max-width: 768px) {
  .team-member-full { grid-template-columns: 1fr; gap: 32px; }
  .grid-2--reversed { direction: ltr; }
  .team-photo, .team-photo-placeholder { max-width: 480px; height: auto; aspect-ratio: 10 / 11; margin: 0 auto; }
}
.bio-content .label-caps { margin-bottom: 24px; display: block; }
.bio-content p { font-size: 17px; color: var(--color-mid); margin-bottom: 20px; }

.credentials-list {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 28px;
}

.credential-badge {
  background: var(--color-ivory);
  border: 1px solid rgba(44,62,90,0.15);
  border-radius: var(--radius-sm);
  padding: 6px 14px;
  font-size: 15px;
  font-weight: 700;
  color: var(--color-navy);
}

/* =============================================================
   PHILOSOPHY / PRINCIPLES
   ============================================================= */
.principle-item {
  display: flex;
  gap: 24px;
  align-items: flex-start;
  padding: 32px 0;
  border-bottom: 1px solid rgba(44,62,90,0.08);
}

.principle-item:last-child { border-bottom: none; }

.principle-number {
  font-family: var(--font-display);
  font-size: 48px;
  font-weight: 700;
  color: rgba(232,132,26,0.2);
  line-height: 1;
  min-width: 56px;
  user-select: none;
}

.principle-content h4 {
  color: var(--color-navy);
  font-size: 18px;
  margin-bottom: 8px;
}

.principle-content p {
  color: var(--color-mid);
  font-size: 16px;
}

/* Mission block */
.mission-block {
  background: var(--color-navy);
  border-radius: var(--radius-lg);
  padding: 48px;
  text-align: center;
}

.mission-block .pull-quote {
  color: var(--color-white);
  font-size: clamp(18px, 2vw, 24px);
  margin-bottom: 32px;
}

.values-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
  margin-top: 40px;
}

.value-item {
  text-align: center;
  padding: 20px 12px;
  background: rgba(255,255,255,0.06);
  border-radius: var(--radius-sm);
  border: 1px solid rgba(255,255,255,0.1);
}

.value-item svg { color: var(--color-copper); margin: 0 auto 10px; }
.value-item p {
  font-size: 15px;
  font-weight: 700;
  color: rgba(255,255,255,0.85);
  margin: 0;
}

/* =============================================================
   SERVICES PAGE
   ============================================================= */

/* Quick-scan service overview grid */
.services-overview-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 48px;
}
.svc-overview-card {
  display: flex;
  flex-direction: column;
  gap: 10px;
  padding: 28px 24px;
  background: var(--color-ivory);
  border: 1px solid rgba(44,62,90,0.07);
  border-radius: var(--radius-md);
  text-decoration: none;
  color: var(--color-ink);
  transition: var(--transition);
}
.svc-overview-card:hover {
  border-color: var(--color-copper);
  box-shadow: var(--shadow-sm);
  transform: translateY(-2px);
}
.svc-overview-icon {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: rgba(232,132,26,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-copper);
  flex-shrink: 0;
}
.svc-overview-card h4 {
  font-family: var(--font-display);
  font-size: 18px;
  color: var(--color-navy);
  margin: 0;
  line-height: 1.3;
}
.svc-overview-card p {
  font-size: 16px;
  color: var(--color-mid);
  line-height: 1.5;
  margin: 0;
}

.service-section {
  padding: 100px 24px;
  border-top: 1px solid rgba(0,0,0,0.06);
}
.service-section:first-of-type {
  border-top: none;
}

.service-section:nth-child(even) { background: var(--color-white); }
.service-section:nth-child(odd)  { background: var(--color-ivory); }

.service-section-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 56px;
  align-items: start;
}

.service-label-col { padding-top: 6px; }

.service-label-col .label-caps { margin-bottom: 12px; display: block; }
.service-label-col h2 { font-size: clamp(22px, 2.5vw, 30px); color: var(--color-navy); }
.service-label-col .service-best-for {
  margin-top: 20px;
  padding: 14px 18px;
  background: rgba(232,132,26,0.08);
  border-left: 3px solid var(--color-copper);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  font-size: 14px;
  color: var(--color-mid);
  font-style: italic;
}

.service-content-col p {
  font-size: 16px;
  color: var(--color-mid);
  margin-bottom: 24px;
  line-height: 1.8;
}

.service-bullets {
  display: grid;
  gap: 20px;
  list-style: none;
  padding-left: 0;
  margin: 0;
}

.service-bullets li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 17px;
  color: var(--color-ink);
  line-height: 1.65;
}

.service-bullets li p {
  margin: 0;
  display: inline;
}
.service-bullets li p + p {
  display: inline;
}
.service-bullets li strong {
  display: inline !important;
  font-weight: 700;
  color: var(--color-navy);
}

.service-bullets li::before {
  content: '';
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--color-copper);
  margin-top: 7px;
  flex-shrink: 0;
}

/* =============================================================
   PROCESS PAGE — 4 STEPS
   ============================================================= */
.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  position: relative;
}

.process-steps::before {
  content: '';
  position: absolute;
  top: 52px;
  left: calc(12.5% + 24px);
  right: calc(12.5% + 24px);
  height: 2px;
  background: linear-gradient(90deg, var(--color-copper) 0%, rgba(232,132,26,0.3) 100%);
}

.process-step {
  text-align: center;
  padding: 0 20px;
  position: relative;
}

.step-number {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: var(--color-white);
  border: 3px solid var(--color-copper);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  font-family: var(--font-display);
  font-size: 28px;
  font-weight: 700;
  color: var(--color-copper);
  position: relative;
  z-index: 1;
}

.process-step h4 {
  color: var(--color-navy);
  font-size: 18px;
  margin-bottom: 10px;
}

.process-step p {
  font-size: 15px;
  color: var(--color-mid);
}

/* =============================================================
   FAQ ACCORDION
   ============================================================= */
.faq-list { max-width: 780px; margin: 0 auto; }

.faq-item {
  border-bottom: 1px solid rgba(44,62,90,0.1);
}

.faq-question {
  width: 100%;
  background: none;
  border: none;
  padding: 24px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
  text-align: left;
  gap: 16px;
}

.faq-question span {
  font-family: var(--font-body);
  font-size: 17px;
  font-weight: 600;
  color: var(--color-navy);
  line-height: 1.4;
}

.faq-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  border: 2px solid var(--color-copper);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-copper);
  flex-shrink: 0;
  transition: var(--transition);
}

.faq-item.open .faq-icon {
  background: var(--color-copper);
  color: var(--color-white);
  transform: rotate(45deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease;
}

.faq-answer-inner {
  padding: 0 0 24px;
  font-size: 16px;
  color: var(--color-mid);
  line-height: 1.75;
}

/* Calendar embed placeholder */
.calendly-placeholder {
  background: var(--color-ivory);
  border: 2px dashed rgba(44,62,90,0.2);
  border-radius: var(--radius-md);
  padding: 56px 32px;
  text-align: center;
  margin-top: 40px;
}

.calendly-placeholder h4 {
  color: var(--color-navy);
  margin-bottom: 10px;
}

.calendly-placeholder p {
  color: var(--color-muted);
  font-size: 14px;
  margin-bottom: 24px;
}

/* =============================================================
   CLIENT PROFILES
   ============================================================= */
.profile-card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
}

.profile-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.profile-label {
  display: inline-block;
  background: rgba(232,132,26,0.1);
  color: var(--color-copper);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 20px;
}

.profile-card h3 {
  font-style: normal;
  font-family: var(--font-body);
  font-size: 20px;
  font-weight: 700;
  color: var(--color-navy);
  margin-bottom: 16px;
}

.profile-card > p {
  font-size: 16px;
  color: var(--color-mid);
  line-height: 1.75;
  margin-bottom: 24px;
  flex: 1;
}

.worry-list {
  margin-bottom: 28px;
}

.worry-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14px;
  color: var(--color-mid);
  margin-bottom: 8px;
}

.worry-list li::before {
  content: '→';
  color: var(--color-copper);
  flex-shrink: 0;
  margin-top: 1px;
}

/* Not a good fit */
.not-fit-box {
  background: var(--color-ivory);
  border-radius: var(--radius-md);
  padding: 40px;
  border: 1px solid rgba(44,62,90,0.08);
  max-width: 720px;
  margin: 0 auto;
  text-align: center;
}

.not-fit-box h3 {
  font-style: normal;
  font-family: var(--font-body);
  font-size: 20px;
  font-weight: 700;
  color: var(--color-navy);
  margin-bottom: 12px;
}

.not-fit-box p {
  color: var(--color-mid);
  font-size: 16px;
}

/* =============================================================
   CONTACT PAGE
   ============================================================= */
.contact-grid {
  display: grid;
  grid-template-columns: 3fr 2fr;
  gap: 64px;
  align-items: start;
}

.contact-form label {
  display: block;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--color-navy);
  margin-bottom: 8px;
}

.contact-form input,
.contact-form textarea,
.contact-form select {
  width: 100%;
  padding: 14px 18px;
  font-family: var(--font-body);
  font-size: 16px;
  color: var(--color-ink);
  background: var(--color-white);
  border: 1.5px solid rgba(44,62,90,0.2);
  border-radius: var(--radius-sm);
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
  margin-bottom: 24px;
  outline: none;
}

.contact-form input:focus,
.contact-form textarea:focus,
.contact-form input:focus-visible,
.contact-form textarea:focus-visible {
  border-color: var(--color-copper);
  box-shadow: 0 0 0 3px rgba(232,132,26,0.12);
  outline: 2px solid var(--color-copper);
  outline-offset: 1px;
}

.contact-form textarea {
  resize: vertical;
  min-height: 140px;
}

.contact-info-block {
  background: var(--color-navy);
  border-radius: var(--radius-lg);
  padding: 40px 36px;
  color: var(--color-white);
}

.contact-info-block h4 {
  color: var(--color-white);
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 400;
  margin-bottom: 28px;
}

.contact-detail {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin-bottom: 20px;
}

.contact-detail-icon {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(232,132,26,0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-copper);
  flex-shrink: 0;
}

.contact-detail-text {
  font-size: 15px;
  color: rgba(255,255,255,0.8);
}

.contact-detail-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--color-copper);
  display: block;
  margin-bottom: 4px;
}

/* Schedule CTA card (contact page) */
.schedule-cta-card {
  background: var(--color-ivory);
  border: 1px solid rgba(44,62,90,0.12);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  text-align: center;
}

.schedule-cta-card h4 {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 400;
  color: var(--color-navy);
}

.schedule-cta-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 56px;
  height: 56px;
  background: rgba(232,132,26,0.12);
  border-radius: 50%;
  color: var(--color-copper);
}

/* Schedule banner — full-width CTA strip (contact page) */
.schedule-banner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  background: var(--color-navy);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 28px 36px;
}
.schedule-banner-content {
  display: flex;
  align-items: center;
  gap: 20px;
  flex: 1;
}
.schedule-banner-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  width: 52px;
  height: 52px;
  background: rgba(255,255,255,0.12);
  border-radius: 50%;
  color: var(--color-copper);
}
.schedule-banner h3 { color: #fff !important; }
.schedule-banner p { color: rgba(255,255,255,0.7) !important; }
.schedule-banner .btn-primary {
  flex-shrink: 0;
  white-space: nowrap;
}
@media (max-width: 768px) {
  .schedule-banner {
    flex-direction: column;
    text-align: center;
    padding: 24px 20px;
    gap: 20px;
  }
  .schedule-banner-content {
    flex-direction: column;
    gap: 12px;
  }
  .schedule-banner .btn-primary { width: 100%; }
}

/* =============================================================
   FOOTER
   ============================================================= */
.site-footer {
  background: var(--color-navy);
  padding: 72px 24px 0;
}

.footer-inner {
  max-width: var(--max-width);
  margin: 0 auto;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 56px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer-brand img {
  height: 64px;
  width: auto;
  margin-bottom: 16px;
  filter: brightness(0) invert(1);
}

.footer-tagline {
  font-family: var(--font-display);
  font-style: italic;
  color: var(--color-copper);
  font-size: 16px;
  margin-bottom: 12px;
}

.footer-brand p {
  font-size: 14px;
  color: rgba(255,255,255,0.55);
  line-height: 1.7;
  max-width: 300px;
}

.footer-col h5 {
  font-family: var(--font-body);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: rgba(255,255,255,0.4);
  margin-bottom: 20px;
}

.footer-col ul { display: flex; flex-direction: column; gap: 10px; }

.footer-col a {
  font-size: 14px;
  color: rgba(255,255,255,0.7);
  transition: color 0.2s ease;
}

.footer-col a:hover {
  color: var(--color-copper);
  opacity: 1;
}

.social-links {
  display: flex;
  gap: 12px;
  margin-top: 20px;
}

.social-link {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.6);
  transition: var(--transition);
}

.social-link:hover {
  background: var(--color-copper);
  color: var(--color-white);
  opacity: 1;
}

/* Compliance footer */
.compliance-bar {
  border-top: 3px solid var(--color-copper);
  padding: 32px 0;
}

.compliance-text {
  font-size: 11px;
  color: rgba(232,221,208,0.6);
  line-height: 1.8;
  margin-bottom: 16px;
}

.compliance-text a {
  color: rgba(232,221,208,0.8);
  text-decoration: underline;
}

.compliance-text a:hover { color: var(--color-copper); opacity: 1; }

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 16px;
  border-top: 1px solid rgba(255,255,255,0.06);
  margin-top: 16px;
}

.footer-copyright {
  font-size: 12px;
  color: rgba(255,255,255,0.35);
}

.brokercheck-link {
  font-size: 12px;
  color: rgba(232,221,208,0.6);
  display: flex;
  align-items: center;
  gap: 6px;
}

.brokercheck-link:hover { color: var(--color-copper); opacity: 1; }

/* =============================================================
   RESPONSIVE
   ============================================================= */
@media (max-width: 1024px) {
  :root { --section-padding: 72px 24px; }

  /* Switch to hamburger on tablets — 5 nav items fit comfortably up to 1024px */
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; }

  .hero { min-height: 70vh; }
  .hero h1 { font-size: 44px; }
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero-image { height: 300px; }

  .grid-3 { grid-template-columns: 1fr 1fr; }
  .grid-3-2 { grid-template-columns: 1fr 1fr; }
  .grid-4 { grid-template-columns: 1fr 1fr; }
  .three-col-grid { grid-template-columns: 1fr 1fr; }

  .process-steps { grid-template-columns: 1fr 1fr; gap: 48px; }
  .process-steps::before { display: none; }

  .service-section-inner { grid-template-columns: 1fr; gap: 32px; }
  .services-overview-grid { grid-template-columns: 1fr 1fr; gap: 16px; }

  .contact-grid { grid-template-columns: 1fr; }

  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }

  .values-grid { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 768px) {
  :root { --section-padding: 56px 20px; --nav-height: 64px; }

  /* Logo fits inside 64px nav height */
  .nav-logo img,
  .nav-logo .custom-logo,
  .nav-logo .custom-logo-link img {
    height: 54px;
    max-width: 180px;
  }

  /* ── Hero ── */
  .hero { min-height: 60vh; }
  .hero--shorter { min-height: 46vh; }
  .hero h1 { font-size: 34px; line-height: 1.2; }
  .hero-sub { font-size: 16px; max-width: 100%; }
  .hero-sub br { display: none; }
  /* Reduce excessive top padding — hero content is centered via flexbox */
  .hero-inner--centered { padding: 100px 20px 60px; }
  .hero--simple { padding: 56px 20px 48px; }
  .hero-ctas { flex-direction: column; gap: 12px; }
  .hero-ctas .btn { width: 100%; text-align: center; }
  .btn-lg { padding: 16px 28px; font-size: 15px; width: 100%; text-align: center; display: block; }
  .hero-scroll-hint { display: none; }
  .hero-tagline { font-size: 18px; letter-spacing: 0.5px; }

  /* ── Grids ── */
  .grid-2 { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-3-2 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr; }
  .three-col-grid { grid-template-columns: 1fr; }
  .team-member-full { grid-template-columns: 1fr; gap: 28px; }
  .grid-2--reversed { direction: ltr; }
  .team-photo, .team-photo-placeholder { max-width: 400px; height: auto; aspect-ratio: 10 / 11; margin: 0 auto; }

  /* ── Trust bar ── */
  .trust-bar { padding: 14px 20px; }
  .trust-bar-inner {
    justify-content: flex-start;
    overflow-x: auto;
    flex-wrap: nowrap;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
    gap: 0;
    padding-bottom: 2px;
  }
  .trust-bar-inner::-webkit-scrollbar { display: none; }
  .trust-bar-item { font-size: 12px; padding: 4px 12px; white-space: nowrap; flex-shrink: 0; }

  /* ── Process ── */
  .process-steps { grid-template-columns: 1fr; }

  /* ── Services ── */
  .service-section-inner { grid-template-columns: 1fr; gap: 24px; }
  .services-overview-grid { grid-template-columns: 1fr; }

  /* ── Principles ── */
  .principle-item { gap: 16px; padding: 24px 0; }
  .principle-number { font-size: 36px; min-width: 40px; }

  /* ── Contact ── */
  .contact-info-block { margin-top: 0; padding: 28px 24px; }
  .schedule-cta-card { padding: 28px 20px; }
  .contact-detail { gap: 12px; margin-bottom: 16px; }

  /* ── Resources ── */
  .resource-card { padding: 24px 20px; }
  .disclosure-item { flex-direction: column; gap: 16px; }
  .disclosure-item .btn { align-self: flex-start; }

  /* ── Footer ── */
  .footer-grid { grid-template-columns: 1fr; gap: 36px; }
  .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }
  .footer-brand img { height: 54px; }

  /* ── Misc ── */
  .values-grid { grid-template-columns: 1fr 1fr; }
  .scenario-box { padding: 28px 20px; }
  .section-header { margin-bottom: 40px; }

  /* Ensure all buttons are easy to tap */
  .btn { min-height: 44px; display: inline-flex; align-items: center; justify-content: center; }
}

@media (max-width: 480px) {
  :root { --section-padding: 48px 16px; }

  /* ── Typography ── */
  h1 { font-size: 28px; }
  .hero h1 { font-size: 28px; }
  h2 { font-size: 22px; }
  h3 { font-size: 18px; }
  .hero-sub { font-size: 15px; }
  .hero-inner--centered { padding: 90px 16px 52px; }
  .hero-tagline { font-size: 16px; letter-spacing: 0.5px; }

  /* ── Spacing ── */
  .section-header { margin-bottom: 32px; }
  .profile-card { padding: 24px 20px; }
  .mission-block { padding: 28px 20px; }
  .feature-card { padding: 28px 20px; }

  /* ── Grids ── */
  .values-grid { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: 1fr; }

  /* ── Nav logo smallest screens ── */
  .nav-logo img,
  .nav-logo .custom-logo,
  .nav-logo .custom-logo-link img {
    height: 48px;
    max-width: 160px;
  }

  /* ── Trust bar: hide on very small, show first 3 only via overflow ── */
  .trust-bar-item::after { display: none; }
  .trust-bar-item:not(:last-child)::after { display: inline; }

  /* ── Schedule card ── */
  .schedule-cta-card { padding: 24px 16px; }
  .contact-info-block { padding: 24px 16px; }
}

/* =============================================================
   SCROLL OFFSET — ANCHOR TARGETS
   IDs are on the section elements so the background color edge
   lands flush with the nav bar bottom. The admin-bar rule adds the
   extra 32px WordPress injects when logged in (visitors never see it).
   ============================================================= */
.service-section[id] {
  scroll-margin-top: 0;
}
body.admin-bar .service-section[id] {
  scroll-margin-top: 32px;
}

/* =============================================================
   ACCESSIBILITY
   ============================================================= */
:focus-visible {
  outline: 2px solid var(--color-copper);
  outline-offset: 3px;
  border-radius: 2px;
}

/* Ensure buttons and links don't suppress focus-visible */
.btn:focus-visible,
.nav-links a:focus-visible,
.hamburger:focus-visible,
.social-link:focus-visible,
.footer-col a:focus-visible,
.brokercheck-link:focus-visible {
  outline: 2px solid var(--color-copper);
  outline-offset: 3px;
}

/* Skip-to-content link (accessibility) */
.skip-to-content {
  position: absolute;
  top: -100%;
  left: 16px;
  z-index: 10000;
  padding: 12px 24px;
  background: var(--color-navy);
  color: var(--color-white);
  font-family: var(--font-body);
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  border-radius: 0 0 6px 6px;
  transition: top 0.2s ease;
}
.skip-to-content:focus {
  top: 0;
}

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

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
  .fade-up { opacity: 1; transform: none; }
}

/* =============================================================
   BREADCRUMB NAV
   ============================================================= */
.breadcrumb-nav {
  background: var(--color-ivory);
  border-bottom: 1px solid var(--color-border, #e8e0d5);
  padding: 10px 0;
}
.breadcrumb {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 4px;
  font-size: 13px;
  color: var(--color-muted);
}
.breadcrumb li + li::before {
  content: '/';
  margin-right: 4px;
  color: var(--color-muted);
  opacity: 0.5;
}
.breadcrumb a {
  color: var(--color-copper);
  text-decoration: none;
}
.breadcrumb a:hover {
  text-decoration: underline;
}

/* =============================================================
   DISCLOSURE BANNER
   ============================================================= */
.disclosure-banner {
  background: #fff8ef;
  border-top: 3px solid var(--color-copper);
  border-bottom: 1px solid #f0e0c0;
  padding: 16px 0;
}
.disclosure-banner p {
  font-size: 13px;
  color: var(--color-mid);
  margin: 0;
  line-height: 1.6;
}
.disclosure-banner strong {
  color: var(--color-text);
}

/* =============================================================
   COMPLIANCE INLINE (within page content)
   ============================================================= */
.compliance-inline {
  background: var(--color-ivory);
  border-left: 3px solid var(--color-copper);
  padding: 16px 20px;
  border-radius: 0 4px 4px 0;
}
.compliance-inline p {
  font-size: 13px;
  color: var(--color-mid);
  margin: 0 0 8px;
  line-height: 1.65;
}
.compliance-inline p:last-child {
  margin-bottom: 0;
}