/* ============================================
   PHOENIX TAX & WEALTH ADVISORS
   Multi-page site — White base, Navy/Gold accents
   ============================================ */

/* ===== DESIGN TOKENS ===== */
:root {
  /* Navy palette (user-specified) */
  --navy:        #192B46;
  --navy-mid:    #172F4F;
  --navy-deep:   #0E1E38;
  --navy-light:  #2D5A8A;
  --color-navy-primary: #192B46;
  --amber:       #D97706;
  --amber-hover: #B45309;
  --amber-light: #F59E0B;
  --white:       #FFFFFF;
  --off-white:   #F8F9FC;
  --surface-2:   #F1F4F9;
  --charcoal:    #1A1F2E;

  --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(2.8rem,   0.5rem  + 5.5vw,  6.5rem);

  --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;
  --space-32: 8rem;

  --radius-sm: 0.375rem;
  --radius-md: 0.5rem;
  --radius-lg: 0.75rem;
  --radius-xl: 1.25rem;

  --ease:  cubic-bezier(0.16, 1, 0.3, 1);
  --trans: 200ms var(--ease);

  --shadow-sm: 0 1px 4px rgba(0,0,0,0.10);
  --shadow-md: 0 4px 18px rgba(0,0,0,0.15);
  --shadow-lg: 0 12px 40px rgba(0,0,0,0.20);

  --content-max:    1160px;
  --content-narrow: 780px;
  --gutter:         clamp(1.5rem, 5vw, 4rem);

  --font-display: 'Montserrat', 'Helvetica Neue', sans-serif;
  --font-body:    'Montserrat', 'Helvetica Neue', sans-serif;
}

/* ===== LIGHT MODE (Default) ===== */
:root,
[data-theme="light"] {
  --color-bg:           #F8F9FC;
  --color-bg-subtle:    #F1F4F9;
  --color-surface:      #FFFFFF;
  --color-border:       #DDE2EC;
  --color-divider:      #C8CFD9;
  --color-text:         #1A1F2E;
  --color-text-muted:   #5A6178;
  --color-text-faint:   #9BA3B5;
  --color-accent:       #D97706;
  --color-accent-hover: #B45309;
  --color-accent-bg:    #FEF3C7;
  --color-accent-border:#F59E0B;
}

/* ===== DARK MODE ===== */
[data-theme="dark"] {
  --color-bg:           #0E1E38;
  --color-bg-subtle:    #172F4F;
  --color-surface:      #192B46;
  --color-border:       rgba(217,119,6,0.20);
  --color-divider:      rgba(255,255,255,0.07);
  --color-text:         #D9DDE6;
  --color-text-muted:   #8C95AB;
  --color-text-faint:   rgba(255,255,255,0.32);
  --color-accent:       #F59E0B;
  --color-accent-hover: #D97706;
  --color-accent-bg:    rgba(217,119,6,0.12);
  --color-accent-border:rgba(245,158,11,0.35);
}

@media (prefers-color-scheme: dark) {
  :root:not([data-theme]) {
    --color-bg:           #0E1E38;
    --color-bg-subtle:    #172F4F;
    --color-surface:      #192B46;
    --color-border:       rgba(217,119,6,0.20);
    --color-divider:      rgba(255,255,255,0.07);
    --color-text:         #D9DDE6;
    --color-text-muted:   #8C95AB;
    --color-text-faint:   rgba(255,255,255,0.32);
    --color-accent:       #F59E0B;
    --color-accent-hover: #D97706;
    --color-accent-bg:    rgba(217,119,6,0.12);
    --color-accent-border:rgba(245,158,11,0.35);
  }
}

/* ===== RESET ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html {
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
  scroll-behavior: smooth;
  scroll-padding-top: 80px;
}
body {
  min-height: 100dvh;
  font-family: var(--font-body);
  font-size: var(--text-base);
  color: var(--color-text);
  background: var(--color-bg);
  line-height: 1.65;
}
img, picture, svg { display: block; max-width: 100%; height: auto; }
h1,h2,h3,h4,h5,h6 { text-wrap: balance; line-height: 1.15; font-family: var(--font-display); color: var(--color-text); }
p, li { text-wrap: pretty; }
a { color: inherit; text-decoration: none; }
button { cursor: pointer; background: none; border: none; font: inherit; color: inherit; }
ul[role="list"] { list-style: none; padding: 0; }
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; scroll-behavior: auto !important; }
}

/* ===== LAYOUT ===== */
.container {
  width: 100%;
  max-width: var(--content-max);
  margin-left: auto;
  margin-right: auto;
  padding-left: var(--gutter);
  padding-right: var(--gutter);
}
.container--narrow {
  max-width: var(--content-narrow);
  margin-left: auto;
  margin-right: auto;
  padding-left: var(--gutter);
  padding-right: var(--gutter);
}
.section-pad { padding-top: clamp(5rem, 9vw, 9rem); padding-bottom: clamp(5rem, 9vw, 9rem); }
.section-pad--sm { padding-top: clamp(3rem, 5vw, 5rem); padding-bottom: clamp(3rem, 5vw, 5rem); }

/* Section types */
.section-white   { background: #FFFFFF; }
.section-subtle  { background: var(--color-bg-subtle); }
.section-navy    { background: #D97706; }
.section-divider { border-top: 1px solid var(--color-border); }

/* ===== TYPOGRAPHY HELPERS ===== */
.section-tag {
  display: inline-block;
  font-family: var(--font-body);
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: var(--space-4);
}
.section-navy .section-tag { color: #D97706; }

.section-header { margin-bottom: var(--space-12); }
.section-header h2 { font-size: var(--text-2xl); font-weight: 400; margin-bottom: var(--space-5); }
.section-header p { font-size: var(--text-base); color: var(--color-text-muted); line-height: 1.75; max-width: 64ch; }
.section-header--center { text-align: center; }
.section-header--center p { margin-left: auto; margin-right: auto; }
.section-navy .section-header h2 { color: #FFFFFF; font-weight: 800; }
.section-navy .section-header p  { color: rgba(255,255,255,0.72); }

/* Page hero (inner pages) */
.page-hero {
  background: #D97706;
  padding-top: clamp(4rem, 7vw, 7rem);
  padding-bottom: clamp(4rem, 7vw, 7rem);
}
.page-hero .section-tag { color: #D97706; }
.page-hero h1 { font-size: var(--text-3xl); font-weight: 400; color: #FFFFFF; margin-bottom: var(--space-5); }
.page-hero p  { font-size: var(--text-lg); color: rgba(255,255,255,0.65); line-height: 1.7; max-width: 58ch; font-weight: 300; }

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex; align-items: center; gap: var(--space-2);
  padding: 0.75rem 1.75rem;
  font-family: var(--font-body); font-size: var(--text-sm); font-weight: 600; letter-spacing: 0.04em;
  border-radius: var(--radius-sm);
  transition: background var(--trans), color var(--trans), border-color var(--trans), transform var(--trans), box-shadow var(--trans);
  white-space: nowrap; cursor: pointer;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }
.btn-primary { background: #0E1E38; color: #FFFFFF; }
.btn-primary:hover { background: #B45309; box-shadow: 0 4px 18px rgba(0,0,0,0.35); }
.btn-outline { background: transparent; color: var(--color-text); border: 1.5px solid var(--color-border); }
.btn-outline:hover { border-color: var(--color-accent); color: var(--color-accent); }
.btn-outline--light { background: transparent; color: #FFFFFF; border: 1.5px solid rgba(255,255,255,0.30); }
.btn-outline--light:hover { border-color: var(--amber); color: var(--amber); }
.btn-ghost { background: transparent; color: var(--color-text-muted); padding: var(--space-2); border-radius: var(--radius-sm); }
.btn-ghost:hover { color: var(--color-text); background: var(--color-bg-subtle); }
.btn-lg { padding: 1rem 2.25rem; font-size: var(--text-base); }

/* ===== SCROLL REVEAL ===== */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity 0.65s var(--ease), transform 0.65s var(--ease); }
.reveal.visible { opacity: 1; transform: translateY(0); }

/* ===== NAVBAR ===== */
.navbar {
  position: sticky; top: 0; z-index: 100;
  background: rgba(25,43,70,0.97);
  backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--color-border);
  transition: box-shadow 0.3s ease;
  overflow: visible;
}
[data-theme="dark"] .navbar { background: rgba(14,30,56,0.97); }
.navbar.scrolled { box-shadow: var(--shadow-md); }

.nav-inner {
  display: flex; align-items: center; gap: var(--space-8);
  height: 88px;
  max-width: var(--content-max);
  margin-left: auto; margin-right: auto;
  padding-left: var(--gutter); padding-right: var(--gutter);
}
.nav-logo { display: flex; align-items: center; gap: var(--space-4); flex-shrink: 0; }
.nav-logo img { width: 120px; height: 120px; border-radius: 50%; object-fit: contain; background: #FFFFFF; border: none; display: block; flex-shrink: 0; position: relative; z-index: 101; filter: drop-shadow(0 4px 12px rgba(0,0,0,0.18)); }
.nav-wordmark { font-family: var(--font-display); font-size: 1.1rem; font-weight: 700; color: #FFFFFF; line-height: 1.2; }
.nav-wordmark em { display: block; font-style: italic; font-weight: 400; font-size: 0.78rem; color: var(--color-accent); letter-spacing: 0.06em; }

.nav-links { display: flex; align-items: center; gap: var(--space-8); margin-left: auto; }
.nav-links a {
  font-size: var(--text-sm); font-weight: 500; color: rgba(255,255,255,0.80);
  transition: color var(--trans); letter-spacing: 0.02em; padding-bottom: 2px;
  border-bottom: 2px solid transparent;
}
.nav-links a:hover,
.nav-links a.active { color: #D97706; border-bottom-color: #D97706; }

.nav-actions { display: flex; align-items: center; gap: var(--space-3); margin-left: var(--space-4); }

.nav-mobile-toggle { display: none; flex-direction: column; gap: 5px; padding: var(--space-2); margin-left: auto; }
.nav-mobile-toggle span { display: block; width: 22px; height: 2px; background: var(--color-text); border-radius: 2px; transition: transform var(--trans), opacity var(--trans); }
.nav-mobile-menu { display: none; flex-direction: column; padding: var(--space-4) var(--gutter) var(--space-6); border-top: 1px solid var(--color-divider); background: var(--color-bg); }
.nav-mobile-menu.open { display: flex; }
.nav-mobile-menu a { padding: var(--space-4) 0; font-size: var(--text-base); color: var(--color-text-muted); border-bottom: 1px solid var(--color-divider); transition: color var(--trans); }
.nav-mobile-menu a:hover { color: var(--color-accent); }
.nav-mobile-menu .btn { margin-top: var(--space-5); justify-content: center; }

@media (max-width: 960px) {
  .nav-links { display: none; }
  .nav-actions .btn-primary { display: none; }
  .nav-mobile-toggle { display: flex; }
}

/* ===== FOOTER ===== */
.footer { background: #0E1E38; border-top: 1px solid rgba(217,119,6,0.20); padding-top: var(--space-16); padding-bottom: var(--space-10); }
.footer-inner {
  max-width: var(--content-max); margin-left: auto; margin-right: auto;
  padding-left: var(--gutter); padding-right: var(--gutter);
  display: grid; grid-template-columns: 1fr auto 1fr; gap: var(--space-10); align-items: start;
}
.footer-brand { display: flex; flex-direction: column; align-items: flex-start; gap: var(--space-4); }
.footer-brand img { width: 250px; height: auto; border-radius: 50%; object-fit: contain; border: none; }
.footer-name { font-family: var(--font-display); font-size: var(--text-base); font-weight: 700; color: #FFFFFF; margin-bottom: var(--space-1); }
.footer-tagline { font-size: var(--text-xs); color: rgba(255,255,255,0.55); line-height: 1.5; }
.footer-nav { display: flex; flex-direction: column; gap: var(--space-2); align-items: center; }
.footer-nav a { font-size: var(--text-sm); color: rgba(255,255,255,0.85); transition: color var(--trans); }
.footer-nav a:hover { color: #D97706; }
.footer-legal { text-align: right; display: flex; flex-direction: column; gap: var(--space-2); }
.footer-legal p { font-size: var(--text-xs); color: rgba(255,255,255,0.70); line-height: 1.6; }
@media (max-width: 768px) {
  .footer-inner { grid-template-columns: 1fr; text-align: center; }
  .footer-brand { justify-content: center; }
  .footer-legal { text-align: center; }
}

/* ===== HOME: HERO ===== */
.home-hero {
  background: #D97706;
  padding-top: clamp(5rem, 10vw, 9rem);
  padding-bottom: clamp(5rem, 10vw, 9rem);
  border-bottom: 1px solid var(--color-border);
  position: relative; overflow: hidden;
}
.home-hero::before {
  content: '';
  position: absolute; top: -10%; right: -5%; width: 55%; height: 130%;
  background: radial-gradient(ellipse at center, rgba(0,0,0,0.12) 0%, transparent 68%);
  pointer-events: none;
}
.home-hero-inner {
  max-width: var(--content-max); margin-left: auto; margin-right: auto;
  padding-left: var(--gutter); padding-right: var(--gutter);
  display: grid; grid-template-columns: 1fr 420px; gap: clamp(3rem, 6vw, 6rem); align-items: center;
  position: relative; z-index: 1;
}
.hero-eyebrow { font-family: var(--font-body); font-size: var(--text-xs); font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; color: #FFFFFF; margin-bottom: var(--space-5); }
.hero-headline { font-family: var(--font-display); font-size: clamp(2.4rem, 0.5rem + 4.5vw, 5.5rem); font-weight: 800; color: #FFFFFF; line-height: 1.1; margin-bottom: var(--space-8); }
.hero-headline em { font-style: italic; color: #D97706; }
.hero-sub { font-size: var(--text-base); color: rgba(255,255,255,0.85); line-height: 1.8; margin-bottom: var(--space-8); max-width: 50ch; }
.hero-ctas { display: flex; gap: var(--space-4); flex-wrap: wrap; }

.hero-right { display: flex; flex-direction: column; gap: var(--space-4); }
.hero-stat {
  background: #0E1E38; border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-xl); padding: var(--space-8) var(--space-8) var(--space-8) var(--space-10);
}
.hero-stat-num { font-family: var(--font-display); font-size: clamp(2.8rem, 5vw, 4rem); font-weight: 700; color: #D97706; line-height: 1; margin-bottom: var(--space-2); }
.hero-stat-num span { font-size: var(--text-xl); vertical-align: super; }
.hero-stat-label { font-size: var(--text-sm); color: rgba(255,255,255,0.70); line-height: 1.5; }
.hero-quote { background: #FFFFFF; border-radius: var(--radius-xl); padding: var(--space-8); border: none; }
.hero-quote p { font-family: var(--font-display); font-size: var(--text-lg); font-style: italic; font-weight: 600; color: #FFFFFF; line-height: 1.6; }

@media (max-width: 860px) {
  .home-hero-inner { grid-template-columns: 1fr; }
  .hero-right { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-4); }
  .hero-quote { grid-column: span 2; }
}
@media (max-width: 540px) {
  .hero-right { grid-template-columns: 1fr; }
  .hero-quote { grid-column: span 1; }
}

/* ===== HOME: QUESTIONS ===== */
.questions-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-5);
  margin-top: var(--space-12);
}
.question-card {
  background: var(--color-bg-subtle); border: 1px solid var(--color-border);
  border-radius: var(--radius-xl); padding: var(--space-8);
  transition: border-color var(--trans), transform var(--trans), box-shadow var(--trans);
}
.question-card:hover { border-color: var(--color-accent-border); transform: translateY(-3px); box-shadow: var(--shadow-md); }
.q-number { font-family: var(--font-display); font-size: clamp(2.5rem, 4vw, 3.5rem); font-weight: 300; color: #D97706; opacity: 0.45; line-height: 1; margin-bottom: var(--space-4); }
.question-card p { font-size: var(--text-base); color: var(--color-text-muted); line-height: 1.7; }
.question-card--closing {
  grid-column: span 3; background: #D97706; border-color: transparent; text-align: center;
}
.question-card--closing:hover { border-color: rgba(217,119,6,0.35); }
.question-card--closing p { font-family: var(--font-display); font-size: var(--text-lg); font-style: italic; color: #FFFFFF; max-width: 72ch; margin-left: auto; margin-right: auto; line-height: 1.6; }
@media (max-width: 768px) { .questions-grid { grid-template-columns: 1fr; } .question-card--closing { grid-column: span 1; } }

/* ===== HOME: WHO WE SERVE ===== */
.who-grid { display: grid; grid-template-columns: 1fr 400px; gap: clamp(3rem, 6vw, 6rem); align-items: start; }
.who-text h2 { font-size: var(--text-2xl); font-weight: 400; margin-bottom: var(--space-6); }
.who-text > p { color: var(--color-text-muted); line-height: 1.8; margin-bottom: var(--space-8); max-width: 58ch; }
.who-list { display: flex; flex-direction: column; gap: var(--space-5); list-style: none; padding: 0; }
.who-list li { display: flex; align-items: flex-start; gap: var(--space-4); font-size: var(--text-base); color: var(--color-text-muted); line-height: 1.65; }
.who-icon { flex-shrink: 0; width: 38px; height: 38px; border-radius: var(--radius-sm); background: var(--color-accent-bg); border: 1px solid var(--color-accent-border); display: flex; align-items: center; justify-content: center; color: var(--color-accent); margin-top: 2px; }
.who-visual { display: flex; flex-direction: column; gap: var(--space-4); }
.who-stat-card { background: #D97706; border-radius: var(--radius-xl); padding: var(--space-10); border: none; }
.stat-number { font-family: var(--font-display); font-size: clamp(4rem, 7vw, 5.5rem); font-weight: 800; color: #FFFFFF; line-height: 1; margin-bottom: var(--space-3); }
.stat-number span { font-size: var(--text-xl); vertical-align: super; }
.stat-label { font-size: var(--text-sm); color: rgba(255,255,255,0.85); line-height: 1.5; }
.who-quote { background: #FFFFFF; border: 1px solid var(--color-border); border-left: 3px solid #D97706; border-radius: 0 var(--radius-lg) var(--radius-lg) 0; padding: var(--space-6) var(--space-7); }
.who-quote p { font-family: var(--font-display); font-size: var(--text-lg); font-style: italic; color: var(--color-text-muted); line-height: 1.55; }
@media (max-width: 900px) { .who-grid { grid-template-columns: 1fr; } .who-visual { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-4); } }
@media (max-width: 540px) { .who-visual { grid-template-columns: 1fr; } }

/* ===== HOME: WHY PHOENIX (navy) ===== */
.why-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-5); }
.why-card { background: #0E1E38; border: 1px solid rgba(255,255,255,0.10); border-radius: var(--radius-xl); padding: var(--space-8); transition: border-color var(--trans), transform var(--trans), background var(--trans); }
.why-card:hover { border-color: rgba(255,255,255,0.30); background: #172F4F; transform: translateY(-2px); }
.why-icon { width: 52px; height: 52px; border-radius: var(--radius-md); background: #D97706; border: none; display: flex; align-items: center; justify-content: center; color: #FFFFFF; margin-bottom: var(--space-5); }
.why-card h3 { font-size: var(--text-base); font-weight: 700; color: #FFFFFF; margin-bottom: var(--space-3); font-family: var(--font-body); }
.why-card p { font-size: var(--text-sm); color: rgba(255,255,255,0.75); line-height: 1.65; font-family: var(--font-body); }
@media (max-width: 900px) { .why-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 540px) { .why-grid { grid-template-columns: 1fr; } }

/* ===== SERVICES PAGE ===== */
.engage-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-6); }
.engage-card { background: var(--color-bg-subtle); border: 1px solid var(--color-border); border-radius: var(--radius-xl); padding: var(--space-10); display: flex; flex-direction: column; gap: var(--space-4); transition: border-color var(--trans), transform var(--trans), box-shadow var(--trans); }
.engage-card:hover { border-color: var(--color-accent-border); transform: translateY(-3px); box-shadow: var(--shadow-md); }
.engage-card--featured { border-color: var(--color-accent-border); background: var(--color-accent-bg); }
.engage-icon { width: 56px; height: 56px; border-radius: var(--radius-md); background: var(--color-accent-bg); border: 1px solid var(--color-accent-border); display: flex; align-items: center; justify-content: center; color: var(--color-accent); }
.engage-label { font-size: var(--text-xs); font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--color-accent); }
.engage-card h3 { font-size: var(--text-xl); font-weight: 400; color: var(--color-text); }
.engage-card p { font-size: var(--text-base); color: var(--color-text-muted); line-height: 1.75; flex: 1; }
.engage-link { font-size: var(--text-sm); font-weight: 600; color: var(--color-accent); transition: color var(--trans); margin-top: auto; padding-top: var(--space-4); border-top: 1px solid var(--color-divider); }
.engage-link:hover { color: var(--color-accent-hover); }
@media (max-width: 700px) { .engage-grid { grid-template-columns: 1fr; } }

/* Pillars */
.pillars-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-6); }
.pillar-card { background: #FFFFFF; border: 1px solid var(--color-border); border-radius: var(--radius-xl); padding: var(--space-10); position: relative; overflow: hidden; transition: border-color var(--trans), transform var(--trans), box-shadow var(--trans); }
.pillar-card::after { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--color-accent), transparent); opacity: 0; transition: opacity var(--trans); }
.pillar-card:hover { border-color: var(--color-accent-border); transform: translateY(-4px); box-shadow: var(--shadow-md); }
.pillar-card:hover::after { opacity: 1; }
.pillar-number { font-family: var(--font-display); font-size: clamp(3rem, 5vw, 4.5rem); font-weight: 300; font-style: italic; color: var(--color-accent); opacity: 0.28; line-height: 1; margin-bottom: var(--space-5); }
.pillar-card h3 { font-size: var(--text-lg); font-weight: 500; color: var(--color-text); margin-bottom: var(--space-4); line-height: 1.3; }
.pillar-card p { font-size: var(--text-base); color: var(--color-text-muted); line-height: 1.75; }
@media (max-width: 768px) { .pillars-grid { grid-template-columns: 1fr; } }

/* Ongoing Services */
.services-inner { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(3rem, 7vw, 7rem); align-items: start; }
.services-text h2 { font-size: var(--text-2xl); font-weight: 400; margin-bottom: var(--space-6); }
.services-text > p { color: var(--color-text-muted); line-height: 1.8; }
.services-list { display: flex; flex-direction: column; }
.service-item { display: flex; gap: var(--space-5); align-items: flex-start; padding: var(--space-5) var(--space-4); border-bottom: 1px solid var(--color-divider); transition: background var(--trans); border-radius: var(--radius-md); }
.service-item:last-child { border-bottom: none; }
.service-item:hover { background: var(--color-bg-subtle); }
.service-dot { flex-shrink: 0; width: 8px; height: 8px; border-radius: 50%; background: var(--color-accent); margin-top: 8px; }
.service-item strong { display: block; font-size: var(--text-base); font-weight: 600; color: var(--color-text); margin-bottom: var(--space-1); }
.service-item p { font-size: var(--text-sm); color: var(--color-text-muted); line-height: 1.7; }
@media (max-width: 768px) { .services-inner { grid-template-columns: 1fr; } }

/* Fees callout */
.fees-band { display: grid; grid-template-columns: 1fr 360px; gap: clamp(3rem, 6vw, 6rem); align-items: center; }
.fees-band h2 { font-size: var(--text-2xl); font-weight: 400; margin-bottom: var(--space-6); }
.fees-band p { color: var(--color-text-muted); line-height: 1.8; margin-bottom: var(--space-5); max-width: 58ch; }
.fees-note { font-size: var(--text-sm); font-style: italic; padding: var(--space-4) var(--space-5); border-left: 3px solid #D97706; background: var(--color-bg-subtle); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; color: var(--color-text-muted); }
.fees-cta-card { background: #D97706; border: none; border-radius: var(--radius-xl); padding: var(--space-10); text-align: center; }
.fees-cta-card p { font-family: var(--font-display); font-size: var(--text-lg); font-style: italic; color: #FFFFFF; margin-bottom: var(--space-6); line-height: 1.55; }
@media (max-width: 768px) { .fees-band { grid-template-columns: 1fr; } }

/* ===== ABOUT PAGE ===== */
.about-grid { display: grid; grid-template-columns: 340px 1fr; gap: clamp(3rem, 7vw, 7rem); align-items: start; }
.principal-img-wrap { border-radius: var(--radius-xl); overflow: hidden; aspect-ratio: 3/4; border: 1px solid var(--color-border); box-shadow: var(--shadow-lg); }
.principal-img-wrap img { width: 100%; height: 100%; object-fit: cover; background: #FFFFFF; object-position: top center; transition: transform 0.6s var(--ease); }
.principal-img-wrap:hover img { transform: scale(1.03); }
.principal-credentials { margin-top: var(--space-5); display: flex; flex-direction: column; gap: var(--space-2); }
.cred-item { font-size: var(--text-xs); color: var(--color-text-muted); padding: var(--space-3) var(--space-4); background: var(--color-bg-subtle); border-radius: var(--radius-sm); border: 1px solid var(--color-border); line-height: 1.5; }
.cred-highlight { color: #FFFFFF; border-color: #192B46; background: #192B46; font-weight: 600; font-size: var(--text-sm); padding: var(--space-3) var(--space-4); }
.about-text h2 { font-size: var(--text-2xl); font-weight: 400; margin-bottom: var(--space-6); }
.about-text p { color: var(--color-text-muted); line-height: 1.85; margin-bottom: var(--space-5); max-width: 62ch; }
.about-text .btn { margin-top: var(--space-4); }
@media (max-width: 860px) { .about-grid { grid-template-columns: 1fr; } .principal-image { display: grid; grid-template-columns: 200px 1fr; gap: var(--space-5); align-items: start; } .principal-img-wrap { aspect-ratio: unset; height: 280px; } }
@media (max-width: 540px) { .principal-image { grid-template-columns: 1fr; } .principal-img-wrap { height: 260px; } }

/* ===== INSIGHTS PAGE ===== */
.insights-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--space-6); }
.insight-card { background: var(--color-bg-subtle); border: 1px solid var(--color-border); border-radius: var(--radius-xl); padding: var(--space-8); display: flex; flex-direction: column; gap: var(--space-3); transition: border-color var(--trans), transform var(--trans), box-shadow var(--trans); }
.insight-card:hover { border-color: var(--color-accent-border); transform: translateY(-3px); box-shadow: var(--shadow-md); }
.insight-tag { font-size: var(--text-xs); font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--color-accent); }
.insight-card h3 { font-size: var(--text-lg); font-weight: 400; color: var(--color-text); line-height: 1.3; }
.insight-card p { font-size: var(--text-sm); color: var(--color-text-muted); line-height: 1.7; flex: 1; }
.insight-link { font-size: var(--text-sm); font-weight: 600; color: var(--color-accent); transition: color var(--trans); padding-top: var(--space-4); border-top: 1px solid var(--color-divider); margin-top: auto; }
.insight-link:hover { color: var(--color-accent-hover); }
@media (max-width: 640px) { .insights-grid { grid-template-columns: 1fr; } }

/* ===== CONTACT PAGE ===== */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(3rem, 7vw, 7rem); align-items: start; }
.contact-info h2 { font-size: var(--text-2xl); font-weight: 400; margin-bottom: var(--space-5); }
.contact-info p { color: var(--color-text-muted); line-height: 1.8; margin-bottom: var(--space-8); max-width: 48ch; }
.contact-details { display: flex; flex-direction: column; gap: var(--space-4); }
.contact-detail { display: flex; align-items: flex-start; gap: var(--space-4); }
.contact-detail-icon { flex-shrink: 0; width: 40px; height: 40px; border-radius: var(--radius-sm); background: var(--color-accent-bg); border: 1px solid var(--color-accent-border); display: flex; align-items: center; justify-content: center; color: var(--color-accent); }
.contact-detail-label { font-size: var(--text-xs); font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--color-text-faint); margin-bottom: var(--space-1); }
.contact-detail-value { font-size: var(--text-base); color: var(--color-text-muted); }

.contact-form-wrap { background: var(--color-bg-subtle); border: 1px solid var(--color-border); border-radius: var(--radius-xl); padding: var(--space-10); }
.contact-form { display: flex; flex-direction: column; gap: var(--space-5); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-5); }
.form-group { display: flex; flex-direction: column; gap: var(--space-2); }
.form-group label { font-size: var(--text-sm); font-weight: 500; color: var(--color-text-muted); letter-spacing: 0.02em; }
.form-group input,
.form-group textarea,
.form-group select {
  background: #FFFFFF; border: 1px solid var(--color-border); border-radius: var(--radius-md);
  padding: var(--space-3) var(--space-4); font-family: var(--font-body); font-size: var(--text-base);
  color: var(--color-text); transition: border-color var(--trans), box-shadow var(--trans); width: 100%; resize: vertical;
}
.form-group input::placeholder,
.form-group textarea::placeholder { color: var(--color-text-faint); }
.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus { outline: none; border-color: var(--color-accent); box-shadow: 0 0 0 3px var(--color-accent-bg); }
[data-theme="dark"] .form-group input,
[data-theme="dark"] .form-group textarea,
[data-theme="dark"] .form-group select { background: var(--color-surface); }

@media (max-width: 860px) { .contact-grid { grid-template-columns: 1fr; } .form-row { grid-template-columns: 1fr; } }

/* ===== SECTION COLOR OVERRIDES ===== */
/* Use these explicit classes to control per-section color */

.section-black {
  background: #0E1E38;
}
.section-black .section-tag { color: #D97706; }
.section-black .section-header h2 { color: #FFFFFF; font-weight: 800; }
.section-black .section-header p  { color: rgba(255,255,255,0.75); }
.section-black h2 { color: #FFFFFF; }
.section-black p  { color: rgba(255,255,255,0.75); }

.section-red {
  background: #D97706;
}
.section-red .section-tag { color: #D97706; }
.section-red .section-header h2 { color: #FFFFFF; font-weight: 700; }
.section-red .section-header p  { color: rgba(255,255,255,0.88); }
.section-red h2 { color: #FFFFFF; }
.section-red p  { color: rgba(255,255,255,0.88); }

/* Red bubbles = black card with red icon (on black sections) */
.section-black .why-card { background: #172F4F; border: 1px solid rgba(255,255,255,0.08); }
.section-black .why-card:hover { background: #192B46; border-color: rgba(217,119,6,0.45); }
.section-black .why-icon { background: #D97706; border: none; color: #FFFFFF; }
.section-black .why-card h3 { color: #FFFFFF; }
.section-black .why-card p { color: rgba(255,255,255,0.70); }

/* Red bubbles on white sections (Core Pillars, Insights) */
.section-white .pillar-number { color: #D97706; opacity: 1; }
.section-white .pillar-card::after { background: linear-gradient(90deg, #D97706, transparent); }
.section-white .engage-icon { background: #D97706; border: none; color: #FFFFFF; }
.section-white .insight-tag { color: #D97706; }
.section-white .insight-link { color: #D97706; }

/* Black section — Core Pillars with red bubbles */
.section-black .pillar-card { background: #172F4F; border: 1px solid rgba(255,255,255,0.08); }
.section-black .pillar-card:hover { border-color: rgba(217,119,6,0.45); transform: translateY(-4px); box-shadow: var(--shadow-md); }
.section-black .pillar-card::after { background: linear-gradient(90deg, #D97706, transparent); }
.section-black .pillar-number { color: #D97706; opacity: 1; }
.section-black .pillar-card h3 { color: #FFFFFF; }
.section-black .pillar-card p { color: rgba(255,255,255,0.70); }

/* Red section — who-we-serve styles */
.section-red .who-text h2 { color: #FFFFFF; }
.section-red .who-text > p { color: rgba(255,255,255,0.88); }
.section-red .who-list li { color: rgba(255,255,255,0.88); }
.section-red .who-icon { background: #0E1E38; border: none; color: #D97706; }
.section-red .who-stat-card { background: #0E1E38; border: none; }
.section-red .stat-number { color: #D97706; }
.section-red .stat-label { color: rgba(255,255,255,0.75); }
.section-red .who-quote { background: rgba(0,0,0,0.25); border-left-color: #FFFFFF; border-color: transparent; }
.section-red .who-quote p { color: #FFFFFF; }

/* Black section — philosophy/about */
.section-black .about-text h2 { color: #FFFFFF; }
.section-black .about-text p { color: rgba(255,255,255,0.80); }

/* Red section — philosophy */
.section-red .about-text h2 { color: #FFFFFF; }
.section-red .about-text p { color: rgba(255,255,255,0.88); }

/* Black section — insights CTA */
.section-black h2 { color: #FFFFFF; }
.section-black .btn-primary { background: #D97706; color: #FFFFFF; }
.section-black .btn-primary:hover { background: #B45309; }

/* Black — services fee section */
.section-black .fees-band h2 { color: #FFFFFF; }
.section-black .fees-band p { color: rgba(255,255,255,0.80); }
.section-black .fees-note { border-left-color: #D97706; background: rgba(255,255,255,0.06); color: rgba(255,255,255,0.75); }
.section-black .fees-cta-card { background: #D97706; border: none; }

/* Navbar stays RED */

/* ===== HOME HERO (BLACK) ===== */
.home-hero.section-black { background: #0E1E38; }
.home-hero.section-black .hero-eyebrow { color: #D97706; }
.home-hero.section-black .hero-headline { color: #FFFFFF; }
.home-hero.section-black .hero-headline em { color: #D97706; }
.home-hero.section-black .hero-sub { color: rgba(255,255,255,0.75); }
.home-hero.section-black .hero-stat { background: #172F4F; border: 1px solid rgba(255,255,255,0.08); padding: var(--space-8) var(--space-8) var(--space-8) var(--space-10); }
.home-hero.section-black .hero-stat-num { color: #D97706; }
.home-hero.section-black .hero-stat-label { color: rgba(255,255,255,0.65); }
.home-hero.section-black .hero-quote { background: #D97706; border: none; }
.home-hero.section-black .hero-quote p { color: #FFFFFF; }
.home-hero.section-black::before { background: radial-gradient(ellipse at center, rgba(217,119,6,0.10) 0%, transparent 68%); }

/* ===== PAGE HERO (BLACK) ===== */
.page-hero.section-black { background: #0E1E38; }
.page-hero.section-black .section-tag { color: #D97706; }
.page-hero.section-black h1 { color: #FFFFFF; }
.page-hero.section-black p { color: rgba(255,255,255,0.70); }

/* ===== FOOTER STAYS RED ===== */
/* (no change needed — .footer already #D97706) */

/* ===== INSIGHTS — RED SECTION BLACK CARDS ===== */
.section-red .insight-card {
  background: #0E1E38;
  border: 1px solid rgba(255,255,255,0.08);
  color: #FFFFFF;
}
.section-red .insight-card:hover {
  border-color: rgba(255,255,255,0.25);
  transform: translateY(-3px);
  box-shadow: 0 8px 30px rgba(0,0,0,0.40);
}
.section-red .insight-tag { color: #D97706; }
.section-red .insight-card h3 { color: #FFFFFF; }
.section-red .insight-card p { color: rgba(255,255,255,0.72); }
.section-red .insight-link { color: rgba(255,255,255,0.85); border-top-color: rgba(255,255,255,0.12); }
.section-red .insight-link:hover { color: #FFFFFF; }
.section-red .section-header h2 { color: #FFFFFF; }
.section-red .section-header p { color: rgba(255,255,255,0.85); }

/* ===== ENTITY MAP SECTION ===== */
.entity-map-band {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(3rem, 6vw, 6rem);
  align-items: center;
}
.entity-map-text h2 { font-size: var(--text-2xl); font-weight: 700; margin-bottom: var(--space-5); color: var(--color-text); }
.entity-map-text p { color: var(--color-text-muted); line-height: 1.8; margin-bottom: var(--space-5); }
.entity-map-text .btn { margin-top: var(--space-2); }
.entity-map-image img {
  width: 100%;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--color-border);
}
@media (max-width: 768px) { .entity-map-band { grid-template-columns: 1fr; } }

/* ===== LEGAL PAGES ===== */
.legal-content {
  max-width: 780px;
  margin: 0 auto;
}
.legal-content .legal-intro {
  font-size: var(--text-lg);
  color: var(--color-text);
  line-height: 1.8;
  margin-bottom: var(--space-8);
  padding-bottom: var(--space-8);
  border-bottom: 1px solid var(--color-border);
}
.legal-content h2 {
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--color-text);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-top: var(--space-10);
  margin-bottom: var(--space-4);
  padding-bottom: var(--space-2);
  border-bottom: 2px solid #192B46;
  display: inline-block;
}
.legal-content p {
  color: var(--color-text-muted);
  line-height: 1.85;
  margin-bottom: var(--space-5);
}
.legal-content ul {
  margin: var(--space-4) 0 var(--space-6) var(--space-6);
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}
.legal-content ul li {
  color: var(--color-text-muted);
  line-height: 1.75;
}
.legal-content a {
  color: var(--color-accent);
  text-decoration: underline;
}
.legal-signature {
  margin-top: var(--space-12);
  padding-top: var(--space-8);
  border-top: 1px solid var(--color-border);
}
.legal-signature p {
  margin-bottom: var(--space-2);
}

/* Footer legal links */
.footer-legal a {
  color: rgba(255,255,255,0.65);
  text-decoration: none;
  transition: color var(--trans);
}
.footer-legal a:hover { color: #D97706; }

/* ===== ABOUT PAGE — PRINCIPAL STATS ===== */
.principal-stats {
  margin-top: var(--space-6);
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-3);
}
.principal-stat {
  background: #192B46;
  border-radius: var(--radius-lg);
  padding: var(--space-5) var(--space-4);
  text-align: center;
  border: 1px solid rgba(217,119,6,0.20);
}
.principal-stat-num {
  font-family: var(--font-display);
  font-size: clamp(1.6rem, 3vw, 2.4rem);
  font-weight: 800;
  color: #D97706;
  line-height: 1;
  margin-bottom: var(--space-2);
}
.principal-stat-num span {
  font-size: 0.65em;
  vertical-align: super;
}
.principal-stat-label {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.70);
  line-height: 1.4;
  font-weight: 500;
}
@media (max-width: 540px) { .principal-stats { grid-template-columns: 1fr; } }

/* ===== ENTITY MAP — FULL WIDTH ===== */
.entity-map-full {
  margin-top: var(--space-10);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-8);
}
.entity-map-full img {
  width: 100%;
  max-width: 960px;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--color-border);
  display: block;
  margin: 0 auto;
}
.entity-map-caption {
  text-align: center;
  max-width: 640px;
  margin: 0 auto;
}
.entity-map-caption p {
  color: var(--color-text-muted);
  line-height: 1.8;
  margin-bottom: var(--space-6);
}

/* ============================================================
   FAQ ACCORDION
   ============================================================ */
.faq-section {
  background: #FFFFFF;
  padding: var(--space-16) 0;
  border-top: 1px solid #E5E7EB;
}
.faq-section .section-header {
  margin-bottom: var(--space-10);
}
.faq-list {
  max-width: 820px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 0;
}
.faq-item {
  border-bottom: 1px solid #E5E7EB;
}
.faq-item:first-child {
  border-top: 1px solid #E5E7EB;
}
.faq-trigger {
  width: 100%;
  background: none;
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  padding: var(--space-5) 0;
  text-align: left;
}
.faq-trigger:hover .faq-q {
  color: #D97706;
}
.faq-q {
  font-family: var(--font-display);
  font-size: var(--text-base);
  font-weight: 600;
  color: #192B46;
  line-height: 1.4;
  transition: color 0.2s ease;
}
.faq-icon {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  border: 1.5px solid #D97706;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #D97706;
  transition: background 0.2s ease, transform 0.3s ease;
}
.faq-item.open .faq-icon {
  background: #D97706;
  color: #FFFFFF;
  transform: rotate(45deg);
}
.faq-body {
  overflow: hidden;
  max-height: 0;
  transition: max-height 0.35s ease, padding 0.35s ease;
}
.faq-item.open .faq-body {
  max-height: 400px;
}
.faq-body-inner {
  padding: 0 0 var(--space-5) 0;
}
.faq-body-inner p {
  font-size: var(--text-sm);
  line-height: 1.75;
  color: #6B7280;
  margin: 0;
  max-width: 72ch;
}

@media (max-width: 640px) {
  .faq-section {
    padding: var(--space-12) 0;
  }
  .faq-q {
    font-size: var(--text-sm);
  }
}