/* ════════════════════════════════════════════════════════════
   John Anthony Sykes IFA — V18 Clean Swiss · Deep Teal
   White · Teal-Black · Deep Teal #0B4D4A · Source Serif 4 + Inter
   ════════════════════════════════════════════════════════════ */

/* ── Tokens ── */
:root {
  --bg:           #FFFFFF;
  --bg-2:         #F4F8F7;     /* very faint teal wash */
  --surface:      #FFFFFF;
  --ink:          #0A0E0E;     /* near-black with teal undertone */
  --ink-2:        #2A3030;
  --ink-3:        #505858;
  --mute:         #848C8C;
  --rule:         rgba(11,77,74,0.12);
  --rule-2:       rgba(11,77,74,0.07);
  --warm:         #EEF4F3;     /* soft teal wash — light card backgrounds */
  --warm-line:    #DDE8E7;     /* teal-tinted divider */

  /* Deep teal accent */
  --accent:       #0B4D4A;
  --accent-2:     #073532;
  --accent-soft:  rgba(11,77,74,0.09);
  --accent-tint:  #BFDFDE;    /* pale teal for text on dark */

  /* Dark sections — teal-tinted black */
  --clay:         #080E0E;
  --clay-2:       #121D1D;
  --warm-dark:    #050B0B;

  --green:        #0B4D4A;
  --green-soft:   rgba(11,77,74,0.09);

  --display: 'Source Serif 4', ui-serif, Georgia, 'Times New Roman', serif;
  --sans:    'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  --mono:    'Inter', system-ui, sans-serif;

  --radius-sm: 6px;
  --radius:    10px;
  --radius-lg: 14px;
  --radius-xl: 20px;

  /* Shadows: flat hairline approach */
  --shadow-sm: 0 0 0 1px rgba(0,0,0,0.07);
  --shadow:    0 0 0 1px rgba(0,0,0,0.09), 0 4px 16px rgba(0,0,0,0.05);
  --shadow-md: 0 0 0 1px rgba(0,0,0,0.09), 0 6px 24px rgba(0,0,0,0.07);
  --shadow-lg: 0 0 0 1px rgba(0,0,0,0.10), 0 12px 40px rgba(0,0,0,0.10);

  --maxw: 1240px;
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink-2);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
  text-rendering: optimizeLegibility;
}
img, svg, video, iframe { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { font: inherit; background: none; border: 0; cursor: pointer; color: inherit; }
::selection { background: var(--accent); color: #fff; }

/* ── Container ── */
.wrap { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 1.5rem; position: relative; z-index: 2; }
@media (min-width: 900px) { .wrap { padding: 0 2.5rem; } }

/* ── Type ── */
h1, h2, h3, h4 { font-family: var(--display); color: var(--ink); font-weight: 400; letter-spacing: -0.018em; line-height: 1.08; font-variation-settings: 'opsz' 60; }
h1 { font-size: clamp(2.4rem, 5.5vw, 4.5rem); font-weight: 400; line-height: 1.03; letter-spacing: -0.025em; }
h2 { font-size: clamp(1.9rem, 3.8vw, 3rem); font-weight: 400; line-height: 1.08; }
h3 { font-size: clamp(1.2rem, 1.8vw, 1.5rem); font-weight: 500; }
h4 { font-size: 1rem; font-weight: 600; font-family: var(--sans); letter-spacing: -0.005em; color: var(--ink); }
em, .display em { font-style: italic; color: var(--accent); font-weight: 400; }
.lead { font-size: clamp(1.05rem, 1.5vw, 1.2rem); color: var(--ink-3); line-height: 1.6; }

/* Eyebrow — clean sans label */
.eyebrow {
  display: inline-flex; align-items: center; gap: 0.75rem;
  font-family: var(--sans); font-size: 0.68rem; letter-spacing: 0.20em;
  text-transform: uppercase; font-weight: 600; color: var(--mute);
  margin-bottom: 1.5rem;
}
.eyebrow .num { font-weight: 700; color: var(--accent); font-size: 0.68rem; letter-spacing: 0.08em; }
.eyebrow::after { content: ''; flex: 1; max-width: 48px; height: 1px; background: var(--warm-line); }
.eyebrow.center { justify-content: center; }
.eyebrow.center::before { content: ''; max-width: 48px; flex: 1; height: 1px; background: var(--warm-line); }

/* ── Skip link ── */
.skip-link { position: absolute; left: -9999px; top: 0; padding: 0.75rem 1rem; background: var(--ink); color: #fff; z-index: 999; }
.skip-link:focus { left: 0; }

/* ────────────────────────────────────
   NAVBAR — clean white, hairline border
   ──────────────────────────────────── */
.nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,0.96);
  backdrop-filter: saturate(160%) blur(16px);
  -webkit-backdrop-filter: saturate(160%) blur(16px);
  border-bottom: 1px solid var(--warm-line);
}
.nav-row { display: flex; align-items: center; justify-content: space-between; height: 68px; }
.brand { display: flex; flex-direction: column; line-height: 1; gap: 4px; }
.brand-name { font-family: var(--display); font-size: 1.05rem; color: var(--ink); font-weight: 500; letter-spacing: -0.015em; }
.brand-tag { font-size: 0.58rem; font-weight: 600; letter-spacing: 0.20em; text-transform: uppercase; color: var(--mute); }

.nav-links { display: none; }
@media (min-width: 1000px) {
  .nav-links { display: flex; align-items: center; gap: 2rem; }
  .nav-links a { font-size: 0.875rem; font-weight: 500; color: var(--ink-3); transition: color 0.15s; }
  .nav-links a:hover { color: var(--ink); }
}

.nav-cta { display: flex; align-items: center; gap: 0.75rem; }
.nav-phone { display: none; font-size: 0.875rem; font-weight: 500; color: var(--ink-2); }
.nav-phone:hover { color: var(--accent); }
@media (min-width: 720px) { .nav-phone { display: inline-flex; align-items: center; gap: 0.4rem; } }
.btn.navbar-cta-btn { display: none; }
@media (min-width: 560px) { .btn.navbar-cta-btn { display: inline-flex; } }

.hamburger { display: inline-flex; flex-direction: column; gap: 5px; padding: 8px; flex-shrink: 0; }
.hamburger span { display: block; width: 22px; height: 1.5px; background: var(--ink); border-radius: 1px; transition: transform 0.25s, opacity 0.2s; }
@media (min-width: 1000px) { .hamburger { display: none; } }

.brand { flex-shrink: 0; min-width: 0; }
.brand-name { white-space: nowrap; }
.brand-tag { white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }

.mobile-nav { display: none; padding: 0.5rem 1.5rem 2rem; background: var(--bg); border-top: 1px solid var(--warm-line); flex-direction: column; }
.mobile-nav.open { display: flex; }
.mobile-nav a { padding: 1rem 0; border-bottom: 1px solid var(--warm-line); font-size: 1rem; font-weight: 500; color: var(--ink); }
.mobile-nav a:last-of-type { border-bottom: 0; }
.mobile-nav .btn { margin-top: 1.25rem; justify-content: center; }

/* ────────────────────────────────────
   BUTTONS
   ──────────────────────────────────── */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
  font-family: var(--sans); font-weight: 600; font-size: 0.9rem; letter-spacing: -0.005em;
  padding: 0.9rem 1.6rem;
  border-radius: 999px;
  transition: transform 0.15s ease, background 0.18s ease, color 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
  border: 1.5px solid transparent;
  cursor: pointer;
  white-space: nowrap;
}
.btn-sm { padding: 0.55rem 1.1rem; font-size: 0.82rem; }
.btn-lg { padding: 1.05rem 1.9rem; font-size: 0.97rem; }
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }

/* Green primary — the main CTA */
.btn-primary { background: var(--accent); color: #fff; border-color: var(--accent); }
.btn-primary:hover { background: var(--accent-2); border-color: var(--accent-2); box-shadow: 0 8px 24px -6px rgba(11,77,74,0.40); }

/* Accent = same as primary for legacy refs */
.btn-accent { background: var(--accent); color: #fff; border-color: var(--accent); }
.btn-accent:hover { background: var(--accent-2); border-color: var(--accent-2); box-shadow: 0 8px 24px -6px rgba(11,77,74,0.40); }

/* Black ghost */
.btn-ghost { background: transparent; color: var(--ink); border-color: var(--ink); }
.btn-ghost:hover { background: var(--ink); color: #fff; }

/* White on dark backgrounds */
.btn-light { background: #fff; color: var(--ink); border-color: #fff; }
.btn-light:hover { background: var(--accent); border-color: var(--accent); color: #fff; }

.btn-outline-light { background: transparent; color: rgba(255,255,255,0.90); border-color: rgba(255,255,255,0.35); }
.btn-outline-light:hover { background: #fff; color: var(--ink); border-color: #fff; }

.btn .arrow { display: inline-block; transition: transform 0.2s; }
.btn:hover .arrow { transform: translateX(3px); }

/* ────────────────────────────────────
   HERO — pure white, no gradients
   ──────────────────────────────────── */
.hero { position: relative; padding: 5rem 0 5.5rem; background: var(--bg); }
.hero-grid { display: grid; gap: 3rem; align-items: center; }
@media (min-width: 980px) {
  .hero { padding: 6.5rem 0 7.5rem; }
  .hero-grid { grid-template-columns: 1.3fr 1fr; gap: 5rem; }
}

.hero h1 { margin-bottom: 1.5rem; }
.hero h1 .nb { white-space: nowrap; }
.hero-lead { font-size: clamp(1.05rem, 1.6vw, 1.2rem); color: var(--ink-3); line-height: 1.6; max-width: 580px; margin-bottom: 2.25rem; }

.hero-actions { display: flex; flex-wrap: wrap; gap: 0.85rem; margin-bottom: 2rem; }

.hero-meta { display: flex; align-items: center; flex-wrap: wrap; gap: 0.8rem 1.5rem; font-size: 0.82rem; color: var(--mute); }
.hero-meta-item { display: inline-flex; align-items: center; }
.hero-meta-item::before { content: ''; width: 4px; height: 4px; background: var(--accent); border-radius: 50%; margin-right: 0.6rem; flex-shrink: 0; }
.hero-meta-item svg { display: none; }
.hero-meta .dot { display: none; }

/* Hero portrait — clean, no glow */
.portrait-card { position: relative; max-width: 420px; margin: 0 auto; }
.portrait-frame {
  position: relative; aspect-ratio: 1/1;
}
.portrait-frame picture { display: block; width: 100%; height: 100%; }
.portrait-frame img {
  width: 100%; height: 100%; object-fit: cover;
  border-radius: 50%;
  background: var(--bg-2);
  border: 1px solid var(--warm-line);
}

/* FCA stamp pill */
.portrait-stamp {
  position: absolute; bottom: 22px; right: 8px;
  background: var(--ink); color: #fff;
  border-radius: 999px;
  padding: 0.5rem 1rem;
  font-family: var(--sans);
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  display: inline-flex; align-items: center; gap: 0.5rem;
  border: 2px solid var(--bg);
  z-index: 3;
}
.portrait-stamp::before { content: ''; width: 6px; height: 6px; background: var(--accent); border-radius: 50%; }
.portrait-stamp strong { color: #fff; font-weight: 700; }

/* Credentials card — flat, bordered */
.cred-stack { margin-top: 2rem; padding: 1.5rem 1.75rem; background: var(--bg-2); border: 1px solid var(--warm-line); border-radius: var(--radius); display: grid; gap: 1rem; }
.cred { display: grid; gap: 0.1rem; padding-left: 0.85rem; border-left: 2px solid var(--accent); }
.cred-text { font-size: 0.86rem; line-height: 1.4; }
.cred-text strong { display: block; font-weight: 600; color: var(--ink); }
.cred-text span { color: var(--mute); font-size: 0.76rem; }

/* ────────────────────────────────────
   TRUST RIBBON — ultra-clean
   ──────────────────────────────────── */
.ribbon { background: var(--bg-2); color: var(--ink-3); padding: 1.1rem 0; border-top: 1px solid var(--warm-line); border-bottom: 1px solid var(--warm-line); }
.ribbon-row { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 0.75rem 2rem; }
.ribbon-item { display: inline-flex; align-items: center; gap: 0.5rem; font-size: 0.76rem; letter-spacing: 0.03em; color: var(--ink-3); font-weight: 500; }
.ribbon-item svg { width: 13px; height: 13px; color: var(--accent); flex-shrink: 0; }
.ribbon-sep { width: 3px; height: 3px; border-radius: 50%; background: var(--warm-line); }
@media (max-width: 720px) { .ribbon-sep { display: none; } }

/* ────────────────────────────────────
   SECTION SCAFFOLDING
   ──────────────────────────────────── */
.section { padding: 6rem 0; position: relative; }
.section-sm { padding: 4rem 0; }
.bg-cream  { background: var(--bg); }
.bg-cream-2 { background: var(--bg-2); }
.bg-paper  { background: var(--bg); }

/* Dark sections — pure black */
.bg-ink    { background: var(--clay); color: rgba(255,255,255,0.88); }
.bg-ink h1, .bg-ink h2, .bg-ink h3 { color: #fff; }
.bg-ink em { color: var(--accent-tint); }
.bg-ink .eyebrow { color: rgba(255,255,255,0.55); }
.bg-ink .eyebrow::after, .bg-ink .eyebrow::before { background: rgba(255,255,255,0.15); }

.section-head { max-width: 760px; margin-bottom: 4rem; }
.section-head.center { margin: 0 auto 4rem; text-align: center; }
.section-head .lead { margin-top: 1.25rem; }

/* ────────────────────────────────────
   YOUTUBE FEATURE — white, minimal
   ──────────────────────────────────── */
.yt-feature { padding: 6rem 0; background: var(--bg); border-top: 1px solid var(--warm-line); border-bottom: 1px solid var(--warm-line); }
.yt-grid { display: grid; gap: 3rem; align-items: center; }
@media (min-width: 980px) { .yt-grid { grid-template-columns: 1fr 1.4fr; gap: 4.5rem; } }
.yt-feature h2 { color: var(--ink); margin-bottom: 1.25rem; }
.yt-feature .lead { color: var(--ink-3); margin-bottom: 2rem; }

.yt-channel-tag { display: inline-flex; align-items: center; gap: 0.5rem; background: var(--bg-2); border: 1px solid var(--warm-line); padding: 0.4rem 0.85rem; border-radius: 999px; font-size: 0.76rem; color: var(--ink-3); margin-bottom: 1.5rem; font-weight: 500; }
.yt-channel-tag svg { width: 15px; height: 15px; color: #FF0000; }

.yt-feature .btn-outline-light { background: transparent; color: var(--ink); border-color: var(--warm-line); }
.yt-feature .btn-outline-light:hover { background: var(--ink); color: #fff; border-color: var(--ink); }

.yt-actions { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-top: 2rem; }

/* Video embed — sharp corners, clean border */
.video-wrap {
  position: relative;
  aspect-ratio: 16/9;
  border-radius: var(--radius);
  overflow: hidden;
  background: #000;
  border: 1px solid var(--warm-line);
}
.video-wrap iframe { position: absolute; inset: 0; width: 100%; height: 100%; border: 0; }

/* Lite YouTube facade */
.lite-yt { position: relative; cursor: pointer; }
.lite-yt img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.lite-yt .play-btn {
  position: absolute; left: 50%; top: 50%; transform: translate(-50%, -50%);
  width: 72px; height: 72px;
  background: #FF0000;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 8px 32px rgba(0,0,0,0.45);
  transition: transform 0.2s, background 0.2s;
}
.lite-yt:hover .play-btn { transform: translate(-50%, -50%) scale(1.06); }
.lite-yt .play-btn::after {
  content: ''; display: block;
  border-left: 20px solid #fff;
  border-top: 13px solid transparent;
  border-bottom: 13px solid transparent;
  margin-left: 5px;
}
.lite-yt .lite-yt-title {
  position: absolute; left: 0; right: 0; bottom: 0;
  padding: 1.5rem 1.25rem 1.1rem;
  background: linear-gradient(to top, rgba(0,0,0,0.80) 0%, transparent 100%);
  color: #fff; font-size: 0.95rem; font-weight: 500; z-index: 2;
}
.lite-yt .lite-yt-meta {
  position: absolute; top: 0.85rem; left: 0.85rem;
  background: rgba(0,0,0,0.65); color: #fff;
  font-family: var(--sans); font-size: 0.68rem; font-weight: 600;
  padding: 0.3rem 0.65rem; border-radius: 4px; letter-spacing: 0.06em; z-index: 2;
}

/* ────────────────────────────────────
   STAT BAND
   ──────────────────────────────────── */
.stat-band { padding: 5.5rem 0; background: var(--bg); border-top: 1px solid var(--warm-line); border-bottom: 1px solid var(--warm-line); }
.stat-band-grid { display: grid; gap: 3rem; align-items: center; }
@media (min-width: 900px) { .stat-band-grid { grid-template-columns: 1.1fr 1fr; gap: 4rem; } }
.stat-band h2 { margin-bottom: 1rem; }

.stat-cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px; background: var(--warm-line); border: 1px solid var(--warm-line); border-radius: var(--radius); overflow: hidden; }
.stat-card { background: var(--bg); padding: 1.6rem 1.5rem 1.5rem; position: relative; }
.stat-card::before { content: ''; position: absolute; top: 1.6rem; left: 0; width: 2px; height: 1.6rem; background: var(--accent); }
.stat-card .v { font-family: var(--display); font-size: 2rem; font-weight: 400; color: var(--ink); line-height: 1; letter-spacing: -0.025em; font-style: normal; }
.stat-card .v em { font-style: normal; color: var(--ink); }
.stat-card .l { margin-top: 0.6rem; font-size: 0.82rem; color: var(--ink-3); line-height: 1.45; }

/* ────────────────────────────────────
   SERVICES — editorial grid with hairlines
   ──────────────────────────────────── */
.services-grid { display: grid; gap: 0; background: var(--warm-line); border: 1px solid var(--warm-line); border-radius: var(--radius); overflow: hidden; }
@media (min-width: 720px) { .services-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1040px) { .services-grid { grid-template-columns: repeat(3, 1fr); } }

.svc {
  background: var(--bg);
  padding: 2.25rem 2rem 2rem;
  display: flex; flex-direction: column;
  min-height: 260px;
  position: relative;
  transition: background 0.15s ease;
  gap: 0;
}
.svc:hover { background: var(--bg-2); }
.svc:hover .svc-link { color: var(--accent); }

.svc-num { font-family: var(--sans); font-size: 0.7rem; font-weight: 700; color: var(--accent); margin-bottom: 1.1rem; letter-spacing: 0.12em; text-transform: uppercase; }
.svc h3 { margin-bottom: 0.85rem; font-size: clamp(1.1rem, 1.5vw, 1.35rem); }
.svc p { font-size: 0.93rem; color: var(--ink-3); line-height: 1.6; margin-bottom: 1.5rem; flex: 1; }
.svc-link { display: inline-flex; align-items: center; gap: 0.45rem; font-size: 0.82rem; font-weight: 600; color: var(--ink-3); margin-top: auto; transition: color 0.15s; }
.svc-link .arrow { transition: transform 0.2s; }
.svc:hover .svc-link .arrow { transform: translateX(4px); }

/* ────────────────────────────────────
   PROCESS / HOW IT WORKS
   ──────────────────────────────────── */
.process-grid { display: grid; gap: 1px; background: var(--warm-line); border: 1px solid var(--warm-line); border-radius: var(--radius-lg); overflow: hidden; counter-reset: step; }
@media (min-width: 720px) { .process-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1100px) { .process-grid { grid-template-columns: repeat(4, 1fr); } }

.step {
  background: var(--bg);
  padding: 2.25rem 1.75rem 2rem;
  position: relative;
  counter-increment: step;
}
.step::before {
  content: counter(step, decimal-leading-zero);
  display: inline-block; margin-bottom: 1.25rem;
  font-family: var(--sans); font-size: 0.7rem; font-weight: 700;
  color: var(--accent);
  background: var(--accent-soft);
  border-radius: 999px;
  padding: 0.3rem 0.7rem;
  letter-spacing: 0.06em;
}
.step h3 { font-size: 1.1rem; margin-bottom: 0.85rem; }
.step p { font-size: 0.92rem; color: var(--ink-3); line-height: 1.6; }

/* Ongoing panel */
.ongoing { margin-top: 1px; background: var(--bg-2); padding: 2.5rem; border: 1px solid var(--warm-line); border-top: 0; border-radius: 0 0 var(--radius-lg) var(--radius-lg); }
@media (min-width: 900px) { .ongoing { padding: 3rem 3.5rem; } }
.ongoing-head { display: flex; align-items: baseline; justify-content: space-between; flex-wrap: wrap; gap: 1rem; margin-bottom: 1.5rem; }
.ongoing-label { font-family: var(--sans); font-size: 0.68rem; letter-spacing: 0.18em; text-transform: uppercase; font-weight: 700; color: var(--accent); margin-bottom: 0.5rem; }
.ongoing-head h3 { font-size: clamp(1.3rem, 2vw, 1.75rem); font-family: var(--display); font-weight: 450; }
.ongoing-intro { color: var(--ink-3); margin-bottom: 2rem; max-width: 720px; }
.ongoing-points { display: grid; gap: 1.5rem; }
@media (min-width: 800px) { .ongoing-points { grid-template-columns: repeat(2, 1fr); gap: 1.5rem 2.5rem; } }
.ongoing-point { display: flex; gap: 0.85rem; }
.ongoing-point .tick { flex-shrink: 0; width: 20px; height: 20px; background: var(--accent-soft); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: var(--accent); margin-top: 2px; }
.ongoing-point .tick svg { width: 11px; height: 11px; }
.ongoing-point .pt-t { font-weight: 600; color: var(--ink); font-size: 0.93rem; margin-bottom: 0.2rem; }
.ongoing-point .pt-b { font-size: 0.87rem; color: var(--ink-3); line-height: 1.55; }

/* ────────────────────────────────────
   PULL QUOTE / TESTIMONIALS
   ──────────────────────────────────── */
.quote-section { padding: 7rem 0; background: var(--bg-2); border-top: 1px solid var(--warm-line); border-bottom: 1px solid var(--warm-line); }
.pullquote { max-width: 880px; margin: 0 auto; text-align: center; }
.pullquote-stars { display: inline-flex; justify-content: center; gap: 3px; margin-bottom: 2rem; color: var(--accent); }
.pullquote-stars svg { width: 16px; height: 16px; }
.pullquote blockquote {
  font-family: var(--display); font-size: clamp(1.65rem, 3.2vw, 2.5rem);
  line-height: 1.22; color: var(--ink); font-weight: 400;
  letter-spacing: -0.02em; margin: 0 auto 2.5rem; font-style: italic; max-width: 800px;
}
.pullquote-author { display: flex; flex-direction: column; align-items: center; gap: 0.2rem; }
.pullquote-author .who-name { color: var(--ink); font-weight: 600; font-size: 0.92rem; }
.pullquote-author .who-meta { font-size: 0.75rem; color: var(--mute); letter-spacing: 0.06em; text-transform: uppercase; }

/* 3 supporting testimonials */
.testi-grid { display: grid; gap: 0; margin-top: 4rem; padding-top: 4rem; border-top: 1px solid var(--warm-line); background: var(--warm-line); border-radius: var(--radius-lg); overflow: hidden; }
@media (min-width: 720px) { .testi-grid { grid-template-columns: repeat(3, 1fr); } }
.testi { background: var(--bg-2); padding: 2rem; }
.testi-stars { display: flex; gap: 3px; color: var(--accent); margin-bottom: 1rem; }
.testi-stars svg { width: 12px; height: 12px; }
.testi p { font-family: var(--display); font-size: 1rem; line-height: 1.6; color: var(--ink-2); margin-bottom: 1.5rem; font-style: italic; font-weight: 400; }
.testi .who-line { display: flex; align-items: center; gap: 0.5rem; padding-top: 1rem; border-top: 1px solid var(--warm-line); }
.testi .who { font-size: 0.83rem; color: var(--ink); font-weight: 600; }
.testi .where { font-size: 0.75rem; color: var(--mute); }
.testi .who-sep { color: var(--warm-line); }

.reviews-cta { margin-top: 3rem; text-align: center; }

/* ────────────────────────────────────
   ABOUT JOHN (E-E-A-T)
   ──────────────────────────────────── */
.about-grid { display: grid; gap: 3rem; align-items: center; }
@media (min-width: 960px) { .about-grid { grid-template-columns: 1fr 1.35fr; gap: 4.5rem; } }

.about-photo { position: relative; max-width: 420px; margin: 0 auto; width: 100%; }
.about-photo picture { display: block; width: 100%; aspect-ratio: 4/5; border-radius: var(--radius); overflow: hidden; border: 1px solid var(--warm-line); }
.about-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center top; display: block; }
.about-photo .badge {
  position: absolute; bottom: 1.25rem; left: 1.25rem;
  background: var(--bg);
  border: 1px solid var(--warm-line);
  border-radius: 999px;
  padding: 0.5rem 0.9rem 0.5rem 0.6rem;
  display: inline-flex; align-items: center; gap: 0.5rem;
  font-size: 0.78rem; font-weight: 600; color: var(--ink);
}
.about-photo .badge .dot { width: 7px; height: 7px; background: var(--accent); border-radius: 50%; }

.about-bio p { margin-bottom: 1rem; font-size: 1rem; line-height: 1.75; color: var(--ink-3); }
.about-bio p:first-of-type { font-size: 1.1rem; color: var(--ink-2); }
.about-bio .signature { display: block; font-family: var(--display); font-style: italic; font-size: 1.55rem; color: var(--ink); margin-top: 1.5rem; font-weight: 400; }

.about-creds { display: grid; gap: 0.45rem; margin-top: 1.75rem; padding-top: 1.75rem; border-top: 1px solid var(--warm-line); }
.about-cred { display: flex; align-items: center; gap: 0.6rem; font-size: 0.87rem; color: var(--ink-3); }
.about-cred svg { width: 13px; height: 13px; color: var(--accent); flex-shrink: 0; }

/* ────────────────────────────────────
   LOCAL SECTION
   ──────────────────────────────────── */
.local { padding: 6.5rem 0; background: var(--bg-2); border-top: 1px solid var(--warm-line); border-bottom: 1px solid var(--warm-line); }
.local-grid { display: grid; gap: 3rem; align-items: start; }
@media (min-width: 800px) { .local-grid { grid-template-columns: 1fr 1.2fr; gap: 4.5rem; } }
.local h2 { margin-bottom: 1rem; }
.local p { margin-bottom: 1rem; color: var(--ink-3); font-size: 1rem; line-height: 1.65; }
.local .local-fav { font-family: var(--display); font-style: italic; color: var(--ink-3); font-size: 1rem; padding-top: 1rem; margin-top: 1rem; border-top: 1px solid var(--warm-line); }
.local .areas-label { font-family: var(--sans); font-size: 0.68rem; letter-spacing: 0.16em; text-transform: uppercase; font-weight: 700; color: var(--mute); margin-bottom: 0.85rem; margin-top: 1.75rem; }
.local .areas { display: flex; flex-wrap: wrap; gap: 0.5rem; }
.local .area { display: inline-flex; align-items: center; font-size: 0.78rem; padding: 0.38rem 0.85rem; border-radius: 999px; background: var(--bg); border: 1px solid var(--warm-line); color: var(--ink-3); font-weight: 500; }
.local .area--accent { background: var(--accent); color: #fff; border-color: var(--accent); }

/* ────────────────────────────────────
   FINAL CTA — pure black
   ──────────────────────────────────── */
.final-cta { padding: 8rem 0 7rem; background: var(--clay); color: rgba(255,255,255,0.88); text-align: center; position: relative; }
.final-cta > .wrap { position: relative; z-index: 1; }
.final-cta .eyebrow { color: rgba(255,255,255,0.40); justify-content: center; }
.final-cta .eyebrow .num { color: var(--accent-tint); }
.final-cta .eyebrow::after, .final-cta .eyebrow::before { background: rgba(255,255,255,0.12); }
.final-cta h2 { color: #fff; max-width: 820px; margin: 0 auto 1.5rem; font-size: clamp(2rem, 4.5vw, 3.5rem); }
.final-cta h2 em { color: var(--accent-tint); font-style: italic; }
.final-cta .lead { color: rgba(255,255,255,0.65); max-width: 540px; margin: 0 auto 2.5rem; }
.final-cta .cta-actions { display: flex; flex-wrap: wrap; gap: 0.85rem; justify-content: center; }
.final-cta .micro { margin-top: 2rem; font-size: 0.76rem; color: rgba(255,255,255,0.38); letter-spacing: 0.04em; }
.final-cta .btn-accent { background: var(--accent); color: #fff; border-color: var(--accent); }
.final-cta .btn-accent:hover { background: var(--accent-2); border-color: var(--accent-2); }
.final-cta .btn-outline-light { background: transparent; color: rgba(255,255,255,0.80); border-color: rgba(255,255,255,0.22); }
.final-cta .btn-outline-light:hover { background: #fff; color: var(--ink); border-color: #fff; }

/* ────────────────────────────────────
   FOOTER — near-black
   ──────────────────────────────────── */
.footer { background: var(--warm-dark); color: rgba(255,255,255,0.55); padding: 5rem 0 2.5rem; }
.footer-grid { display: grid; gap: 3rem 2rem; margin-bottom: 3.5rem; }
@media (min-width: 720px) { .footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr; } }

.footer .brand-name { color: #fff; font-size: 1.1rem; }
.footer .brand-tag { color: rgba(255,255,255,0.35); }
.footer-brand p { font-size: 0.86rem; line-height: 1.65; margin: 1.5rem 0 1rem; max-width: 320px; color: rgba(255,255,255,0.45); }
.footer-brand a { color: rgba(255,255,255,0.65); font-size: 0.85rem; transition: color 0.15s; }
.footer-brand a:hover { color: var(--accent-tint); }

.footer-col h4 { color: #fff; font-size: 0.68rem; letter-spacing: 0.18em; text-transform: uppercase; font-weight: 700; font-family: var(--sans); margin-bottom: 1.25rem; }
.footer-col a { display: block; color: rgba(255,255,255,0.50); font-size: 0.86rem; line-height: 1.5; padding: 0.3rem 0; transition: color 0.15s; }
.footer-col a:hover { color: rgba(255,255,255,0.90); }

.footer-social { display: flex; gap: 0.5rem; margin-top: 1.5rem; }
.footer-social a { width: 34px; height: 34px; border-radius: 6px; background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.08); color: rgba(255,255,255,0.55); display: flex; align-items: center; justify-content: center; transition: background 0.2s, color 0.2s, border-color 0.2s; padding: 0; }
.footer-social a:hover { background: var(--accent); border-color: var(--accent); color: #fff; }
.footer-social svg { width: 15px; height: 15px; }

.footer-bottom { padding-top: 2rem; border-top: 1px solid rgba(255,255,255,0.06); display: flex; justify-content: space-between; flex-wrap: wrap; gap: 1rem; font-size: 0.76rem; color: rgba(255,255,255,0.30); }
.footer-bottom a { color: rgba(255,255,255,0.40); }
.footer-bottom a:hover { color: rgba(255,255,255,0.75); }

.reg { padding: 2rem 0 0; border-top: 1px solid rgba(255,255,255,0.05); margin-top: 2rem; }
.reg p { font-size: 0.7rem; line-height: 1.65; color: rgba(255,255,255,0.28); max-width: 1100px; }

/* ────────────────────────────────────
   STICKY MOBILE CTA
   ──────────────────────────────────── */
.sticky-cta {
  position: fixed; bottom: 0; left: 0; right: 0;
  background: var(--ink);
  border-top: 1px solid rgba(255,255,255,0.10);
  padding: 0.8rem 1rem;
  display: flex; align-items: center; justify-content: space-between; gap: 0.75rem;
  z-index: 90;
  transform: translateY(110%);
  transition: transform 0.3s ease;
}
.sticky-cta.shown { transform: translateY(0); }
.sticky-cta p { color: rgba(255,255,255,0.80); font-size: 0.82rem; font-weight: 500; }
.sticky-cta .btn { padding: 0.6rem 1.1rem; font-size: 0.82rem; }
@media (min-width: 1000px) { .sticky-cta { display: none; } }

/* ────────────────────────────────────
   Utility
   ──────────────────────────────────── */
.show-on-mobile { display: block; }
.hide-on-mobile { display: none; }
@media (min-width: 800px) {
  .show-on-mobile { display: none; }
  .hide-on-mobile { display: block; }
}

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

a:focus-visible, button:focus-visible, .btn:focus-visible { outline: 2px solid var(--accent); outline-offset: 3px; border-radius: 4px; }

/* ════════════════════════════════════════════════════════════
   LEGACY MAPPINGS
   Maps old class names on subpages to the new aesthetic
   ════════════════════════════════════════════════════════════ */

/* Container */
.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 1.5rem; position: relative; z-index: 2; }
@media (min-width: 900px) { .container { padding: 0 2.5rem; } }

/* Old navbar */
.navbar { position: sticky; top: 0; z-index: 100; background: rgba(255,255,255,0.96); backdrop-filter: saturate(160%) blur(16px); -webkit-backdrop-filter: saturate(160%) blur(16px); border-bottom: 1px solid var(--warm-line); }
.navbar-inner { display: flex; align-items: center; justify-content: space-between; height: 68px; }
.navbar-logo { display: flex; flex-direction: column; line-height: 1; gap: 4px; }
.navbar-logo .logo-name { font-family: var(--display); font-size: 1.05rem; color: var(--ink); font-weight: 500; letter-spacing: -0.015em; }
.navbar-logo .logo-tag { font-size: 0.58rem; font-weight: 600; letter-spacing: 0.20em; text-transform: uppercase; color: var(--mute); }

.navbar-links { display: none; }
@media (min-width: 1000px) {
  .navbar-links { display: flex; align-items: center; gap: 2rem; }
  .navbar-links a { font-size: 0.875rem; font-weight: 500; color: var(--ink-3); transition: color 0.15s; }
  .navbar-links a:hover { color: var(--ink); }
  .navbar-links a.active { color: var(--accent); }
}
.navbar-cta { display: none; }
@media (min-width: 1000px) { .navbar-cta { display: inline-flex; } }
.navbar-hamburger { display: inline-flex; flex-direction: column; gap: 5px; padding: 8px; background: none; border: 0; cursor: pointer; flex-shrink: 0; }
.navbar-hamburger span { display: block; width: 22px; height: 1.5px; background: var(--ink); border-radius: 1px; transition: transform 0.25s, opacity 0.2s; }
.navbar-hamburger[aria-expanded="true"] span:nth-child(1) { transform: translateY(6.5px) rotate(45deg); }
.navbar-hamburger[aria-expanded="true"] span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.navbar-hamburger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6.5px) rotate(-45deg); }
@media (min-width: 1000px) { .navbar-hamburger { display: none; } }

.mobile-nav { display: none; padding: 0.5rem 1.5rem 2rem; background: var(--bg); border-top: 1px solid var(--warm-line); flex-direction: column; }
.mobile-nav.open { display: flex; }
.mobile-nav a { padding: 1rem 0; border-bottom: 1px solid var(--warm-line); font-size: 1rem; font-weight: 500; color: var(--ink); }
.mobile-nav a:last-of-type { border-bottom: 0; }
.mobile-nav .btn { margin-top: 1.25rem; justify-content: center; }

/* Old button variants */
.btn-outline-navy { background: transparent; color: var(--ink); border: 1.5px solid var(--ink); }
.btn-outline-navy:hover { background: var(--ink); color: var(--bg); }
.btn-outline { background: transparent; color: var(--ink); border: 1.5px solid var(--ink); }
.btn-outline:hover { background: var(--ink); color: var(--bg); }
.btn-white { background: var(--bg); color: var(--ink); border-color: var(--bg); }
.btn-white:hover { background: var(--accent); border-color: var(--accent); color: #fff; }
.btn-outline-white { background: transparent; color: rgba(255,255,255,0.90); border-color: rgba(255,255,255,0.35); }
.btn-outline-white:hover { background: #fff; color: var(--ink); border-color: #fff; }

/* Hero stats (legacy dark hero) */
.hero-stats { background: rgba(0,0,0,0.3); border-top: 1px solid rgba(255,255,255,0.08); margin-top: 2rem; }
.hero-stat-number { color: #fff; font-family: var(--display); }
.hero-stat-label { color: rgba(255,255,255,0.50); }

/* Page hero (subpages) — pure black */
.page-hero { background: var(--clay); color: rgba(255,255,255,0.88); padding: 5rem 0 4.5rem; position: relative; overflow: hidden; }
.page-hero > .container, .page-hero > .wrap { position: relative; z-index: 1; }
.page-hero h1 { color: #fff; font-family: var(--display); font-weight: 400; letter-spacing: -0.025em; }
.page-hero h1 em { font-style: italic; color: var(--accent-tint); font-weight: 400; }
.page-hero p { color: rgba(255,255,255,0.65); font-size: 1rem; line-height: 1.65; max-width: 640px; margin-top: 1rem; }
.page-hero .eyebrow { color: rgba(255,255,255,0.40); display: inline-flex; align-items: center; gap: 0.6rem; margin-bottom: 1.25rem; }
.page-hero .eyebrow::before { content: ''; display: block; width: 20px; height: 1px; background: var(--accent); }
.page-hero .eyebrow::after { display: none; }
.page-hero-actions { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-top: 1.75rem; }
.page-hero-actions .btn-primary { background: var(--accent); color: #fff; border-color: var(--accent); }
.page-hero-actions .btn-primary:hover { background: var(--accent-2); border-color: var(--accent-2); }
.page-hero-actions .btn-outline-white { color: rgba(255,255,255,0.80); border-color: rgba(255,255,255,0.25); background: transparent; }
.page-hero-actions .btn-outline-white:hover { background: #fff; color: var(--ink); border-color: #fff; }

/* Old section helpers */
.section { padding: 5rem 0; position: relative; }
.section.bg-grey, .section.bg-warm, .section.bg-alt { background: var(--bg-2); }
.section.bg-white { background: var(--bg); }
.section.bg-ice { background: var(--bg); }
.section.bg-navy { background: var(--clay); color: rgba(255,255,255,0.88); }
.section.bg-navy h1, .section.bg-navy h2, .section.bg-navy h3, .section.bg-navy h4 { color: #fff; }
.section.bg-navy em { color: var(--accent-tint); }

/* Old eyebrow on subpages */
.eyebrow { display: inline-block; font-family: var(--sans); font-size: 0.68rem; letter-spacing: 0.20em; text-transform: uppercase; font-weight: 600; color: var(--mute); margin-bottom: 0.9rem; }

/* Old section-header */
.section-header { text-align: center; margin-bottom: 3rem; max-width: 760px; margin-left: auto; margin-right: auto; }
.section-header h2 { color: var(--ink); margin-bottom: 1rem; }
.section-header p { color: var(--ink-3); font-size: 1rem; line-height: 1.65; max-width: 580px; margin: 0 auto; }
.section-header--centered { text-align: center; }
.section-header--split { display: grid; gap: 1.5rem; }
@media (min-width: 800px) { .section-header--split { grid-template-columns: 1fr; } }

/* Old trust bar */
.trust-bar { background: var(--bg-2); color: var(--ink-3); padding: 1.1rem 0; border-top: 1px solid var(--warm-line); border-bottom: 1px solid var(--warm-line); }
.trust-bar-inner { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 1rem 1.75rem; }
.trust-item { display: inline-flex; align-items: center; gap: 0.5rem; font-size: 0.76rem; font-weight: 500; color: var(--ink-3); }
.trust-bar .trust-item svg { color: var(--accent); width: 13px; height: 13px; }
.trust-sep { color: var(--warm-line); margin: 0 0.25rem; }

/* CTA strip — pure black */
.cta-strip { background: var(--clay); color: rgba(255,255,255,0.88); padding: 6rem 0; }
.cta-strip > .container { position: relative; z-index: 1; }
.cta-strip h2 em { color: var(--accent-tint); font-style: italic; }
.cta-strip-inner { text-align: center; max-width: 680px; margin: 0 auto; }
.cta-strip-inner h2 { color: #fff; margin-bottom: 1rem; }
.cta-strip-inner p { color: rgba(255,255,255,0.60); margin-bottom: 2rem; }
.cta-strip-inner .eyebrow { color: rgba(255,255,255,0.40); }
.cta-strip-actions { display: flex; flex-wrap: wrap; gap: 0.75rem; justify-content: center; }
.cta-strip-actions .btn-primary { background: var(--accent); color: #fff; border-color: var(--accent); }
.cta-strip-actions .btn-primary:hover { background: var(--accent-2); border-color: var(--accent-2); }
.cta-strip-actions .btn-outline-white { color: rgba(255,255,255,0.80); border-color: rgba(255,255,255,0.22); background: transparent; }
.cta-strip-actions .btn-outline-white:hover { background: #fff; color: var(--ink); border-color: #fff; }

/* Old footer */
.footer { background: var(--warm-dark); color: rgba(255,255,255,0.50); padding: 5rem 0 2.5rem; border-top: 0; }
.footer .navbar-logo .logo-name { color: #fff; }
.footer .navbar-logo .logo-tag { color: rgba(255,255,255,0.30); }
.footer-brand { display: block; }
.footer-brand p { font-size: 0.86rem; line-height: 1.65; color: rgba(255,255,255,0.42); }
.footer-brand a { color: rgba(255,255,255,0.60); font-size: 0.85rem; }
.footer-brand a:hover { color: rgba(255,255,255,0.90); }
.footer-col h3, .footer-col h4 { color: rgba(255,255,255,0.90); font-size: 0.68rem; letter-spacing: 0.18em; text-transform: uppercase; font-weight: 700; font-family: var(--sans); margin-bottom: 1.25rem; }
.footer-col a { display: block; color: rgba(255,255,255,0.46); font-size: 0.86rem; line-height: 1.5; padding: 0.3rem 0; transition: color 0.15s; }
.footer-col a:hover { color: rgba(255,255,255,0.90); }
.footer-social a { width: 34px; height: 34px; border-radius: 6px; background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.07); color: rgba(255,255,255,0.50); display: flex; align-items: center; justify-content: center; transition: background 0.2s, color 0.2s, border-color 0.2s; padding: 0; }
.footer-social a:hover { background: var(--accent); border-color: var(--accent); color: #fff; }
.footer-bottom { padding-top: 2rem; border-top: 1px solid rgba(255,255,255,0.05); font-size: 0.76rem; color: rgba(255,255,255,0.28); }
.footer-bottom a { color: rgba(255,255,255,0.38); }
.footer-bottom a:hover { color: rgba(255,255,255,0.75); }
.reg-footer { background: var(--warm-dark); border-top: 1px solid rgba(255,255,255,0.04); }
.reg-footer p { font-size: 0.7rem; line-height: 1.65; color: rgba(255,255,255,0.28); padding: 1.5rem 0; }

/* Sticky CTA legacy */
.sticky-mobile-cta { position: fixed; bottom: 0; left: 0; right: 0; background: var(--ink); border-top: 1px solid rgba(255,255,255,0.10); padding: 0.8rem 1rem; display: flex; align-items: center; justify-content: space-between; gap: 0.75rem; z-index: 90; transform: translateY(110%); transition: transform 0.3s ease; }
.sticky-mobile-cta.hidden { transform: translateY(110%); }
.sticky-mobile-cta:not(.hidden) { transform: translateY(0); }
.sticky-mobile-cta p { color: rgba(255,255,255,0.85); font-size: 0.82rem; font-weight: 500; }
.sticky-mobile-cta .btn-primary { background: var(--accent); border-color: var(--accent); color: #fff; padding: 0.6rem 1.1rem; font-size: 0.82rem; }
@media (min-width: 1000px) { .sticky-mobile-cta { display: none; } }

/* Skip link */
.skip-link { position: absolute; left: -9999px; top: 0; padding: 0.75rem 1rem; background: var(--ink); color: #fff; z-index: 999; }
.skip-link:focus { left: 0; }

/* Cards on subpages */
.qual-card, .protection-item, .fintuity-card, .next-steps-card, .next-step, .contact-info-card, .contact-form-wrap, .faq-item, .pfs-accreditation {
  background: var(--bg);
  border: 1px solid var(--warm-line);
  border-radius: var(--radius);
  padding: 1.75rem;
}
.faq-item { padding: 0; border-radius: var(--radius); margin-bottom: 0.5rem; overflow: hidden; }
.faq-q { padding: 1.15rem 1.35rem; cursor: pointer; display: flex; align-items: center; justify-content: space-between; font-weight: 600; color: var(--ink); background: var(--bg); }
.faq-a { padding: 0 1.35rem 1.15rem; color: var(--ink-3); font-size: 0.93rem; line-height: 1.65; background: var(--bg); }
.faq-icon { color: var(--accent); }

/* About hero on about page */
.about-hero-grid { display: grid; gap: 2rem; align-items: center; }
@media (min-width: 900px) { .about-hero-grid { grid-template-columns: 1fr 1.3fr; gap: 4rem; } }
.about-photo-wrap { max-width: 420px; margin: 0 auto; width: 100%; }
.about-photo-wrap img { aspect-ratio: 4/5; object-fit: cover; object-position: center top; border-radius: var(--radius); border: 1px solid var(--warm-line); }

/* Contact grid */
.contact-grid { display: grid; gap: 2rem; }
@media (min-width: 900px) { .contact-grid { grid-template-columns: 1.4fr 1fr; gap: 3rem; } }
.contact-info-card, .contact-form-wrap { padding: 2rem; }
.contact-detail { display: flex; align-items: flex-start; gap: 0.85rem; padding: 0.75rem 0; border-bottom: 1px solid var(--warm-line); }
.contact-detail:last-child { border-bottom: 0; }

/* Forms */
.form-group { margin-bottom: 1.25rem; }
.form-group label { display: block; font-size: 0.84rem; font-weight: 600; color: var(--ink); margin-bottom: 0.4rem; }
.form-group input[type=text], .form-group input[type=email], .form-group input[type=tel], .form-group textarea, .form-group select {
  width: 100%; padding: 0.82rem 0.95rem; border: 1px solid var(--warm-line); border-radius: var(--radius-sm);
  font-family: var(--sans); font-size: 0.95rem; color: var(--ink); background: var(--bg);
  transition: border-color 0.15s, box-shadow 0.15s;
}
.form-group input:focus, .form-group textarea:focus, .form-group select:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px rgba(11,77,74,0.12); }
.form-row { display: grid; gap: 1rem; }
@media (min-width: 720px) { .form-row { grid-template-columns: 1fr 1fr; } }
.checkbox-label { display: flex; align-items: flex-start; gap: 0.6rem; font-size: 0.87rem; color: var(--ink-3); line-height: 1.5; }

/* Risk warning */
.risk-warning { background: var(--bg-2); border-left: 2px solid var(--accent); padding: 1rem 1.25rem; font-size: 0.84rem; color: var(--ink-3); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; }

/* Constrain decorative SVGs */
.cta-trust { display: inline-flex; align-items: center; gap: 0.5rem; font-size: 0.8rem; color: rgba(255,255,255,0.45); margin-top: 1.5rem; }
.cta-trust svg { width: 13px; height: 13px; flex-shrink: 0; color: var(--accent-tint); }
.cta-trust + svg, .cta-strip svg:not(.btn svg) { max-width: 16px; max-height: 16px; }
section svg:not([class*="btn"] svg):not([width]):not([height]) { max-width: 24px; max-height: 24px; }
.svg-decoration, .hero-shield-bg, .cta-shield-bg, .estate-shield { display: none !important; }
.cta-strip svg:not(.btn svg) { max-width: 16px; max-height: 16px; }

/* Old trust-strip */
.trust-strip { background: var(--bg-2); color: var(--ink-3); padding: 1.1rem 0; border-top: 1px solid var(--warm-line); border-bottom: 1px solid var(--warm-line); }
.trust-strip-inner { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 1rem 1.75rem; }
.trust-strip .trust-item { display: inline-flex; align-items: center; gap: 0.5rem; font-size: 0.76rem; font-weight: 500; color: var(--ink-3); }
.trust-strip .trust-item svg { width: 13px; height: 13px; color: var(--accent); flex-shrink: 0; }
.trust-strip .trust-sep { color: var(--warm-line); }
.trust-strip .trust-pfs { display: inline-flex; }
.trust-strip .trust-pfs img { height: 28px; width: auto; opacity: 0.65; }

/* Section-header refinements */
.section-header .eyebrow { font-family: var(--sans); font-size: 0.68rem; color: var(--accent); font-weight: 700; }

/* Steps grid (cashflow / how-it-works) */
.steps-grid { display: grid; gap: 1px; background: var(--warm-line); border: 1px solid var(--warm-line); border-radius: var(--radius); overflow: hidden; counter-reset: step; }
@media (min-width: 720px) { .steps-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1100px) { .steps-grid--four { grid-template-columns: repeat(4, 1fr); } }
.step-card { background: var(--bg); padding: 2rem 1.75rem; position: relative; }
.step-num { display: inline-flex; align-items: center; justify-content: center; width: 26px; height: 26px; border-radius: 999px; background: var(--accent-soft); color: var(--accent); font-family: var(--sans); font-size: 0.72rem; font-weight: 700; margin-bottom: 1rem; }

/* Services grid on services page */
.services-grid > .service-card,
.services-grid a.service-card {
  background: var(--bg);
  padding: 2rem 1.75rem;
  border-radius: var(--radius);
  border: 1px solid var(--warm-line);
  display: flex; flex-direction: column;
  transition: border-color 0.15s, background 0.15s;
}
.services-grid a.service-card:hover { border-color: var(--accent); background: var(--bg-2); }
.service-card h3 { margin-bottom: 0.85rem; }
.service-card p { color: var(--ink-3); font-size: 0.93rem; margin-bottom: 1.25rem; flex: 1; }
.service-card-link { display: inline-flex; align-items: center; gap: 0.45rem; font-size: 0.84rem; font-weight: 600; color: var(--ink-3); margin-top: auto; }
.service-card:hover .service-card-link { color: var(--accent); }

/* Testimonials on subpages */
.testimonials-grid { display: grid; gap: 1px; background: var(--warm-line); border: 1px solid var(--warm-line); border-radius: var(--radius); overflow: hidden; }
@media (min-width: 720px) { .testimonials-grid { grid-template-columns: repeat(3, 1fr); } }
.testimonial-card { background: var(--bg-2); padding: 1.75rem; }
.testimonial-stars { display: flex; gap: 2px; color: var(--accent); margin-bottom: 0.85rem; }
.testimonial-stars svg { width: 13px; height: 13px; }
.testimonial-body { font-family: var(--display); font-style: italic; font-size: 0.98rem; color: var(--ink-2); margin-bottom: 1rem; line-height: 1.6; }
.testimonial-author { font-weight: 600; color: var(--ink); font-size: 0.86rem; }
.testimonial-featured { text-align: center; max-width: 760px; margin: 0 auto 3rem; padding: 2.5rem 1.5rem; }
.testimonial-featured-stars { display: inline-flex; gap: 3px; color: var(--accent); margin-bottom: 1.25rem; }
.testimonial-featured-stars svg { width: 17px; height: 17px; }
.testimonial-featured-body { font-family: var(--display); font-style: italic; font-size: clamp(1.4rem, 2.6vw, 2rem); line-height: 1.28; color: var(--ink); margin-bottom: 1.5rem; }
.testimonial-featured-author { font-weight: 600; color: var(--ink); }
.testimonial-featured-detail { font-size: 0.8rem; color: var(--mute); letter-spacing: 0.04em; text-transform: uppercase; margin-top: 0.25rem; }
.reviewer-title { font-size: 0.76rem; color: var(--mute); margin-top: 0.15rem; }

/* Process step alt */
.ongoing-panel { margin-top: 0; background: var(--bg-2); border: 1px solid var(--warm-line); border-top: 0; border-radius: 0 0 var(--radius-lg) var(--radius-lg); padding: 2.5rem; }
.ongoing-header { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 1rem; margin-bottom: 1.5rem; }
.ongoing-body { color: var(--ink-3); }
.ongoing-intro { color: var(--ink-3); }
.ongoing-grid { display: block; }
.ongoing-points { display: grid; gap: 1.25rem; margin-top: 1.5rem; }
@media (min-width: 720px) { .ongoing-points { grid-template-columns: repeat(2, 1fr); gap: 1.5rem 2.5rem; } }
.ongoing-dot { flex-shrink: 0; width: 7px; height: 7px; border-radius: 50%; background: var(--accent); margin-top: 9px; }
.ongoing-point-title { font-weight: 600; color: var(--ink); margin-bottom: 0.2rem; }
.ongoing-point-body { font-size: 0.88rem; color: var(--ink-3); line-height: 1.55; }

/* Section split header */
.section-header--split { display: grid; gap: 2rem; align-items: end; margin-bottom: 3rem; max-width: none; }
@media (min-width: 900px) { .section-header--split { grid-template-columns: 1.4fr 1fr; gap: 4rem; } }

/* ── Prose pages (regulatory, privacy) ──────────────────────────────────── */
.prose-page {
  max-width: 800px;
  margin: 3rem auto 5rem;
  padding: 0 1.5rem;
}
.prose-page h2 {
  font-family: var(--display);
  font-size: clamp(1.35rem, 2.5vw, 1.75rem);
  font-weight: 600;
  color: var(--ink);
  margin: 3rem 0 0.75rem;
  padding-top: 2rem;
  border-top: 1px solid var(--warm-line);
}
.prose-page h2:first-child { margin-top: 0; padding-top: 0; border-top: 0; }
.prose-page h3 { font-family: var(--display); font-size: 1.15rem; font-weight: 600; color: var(--ink); margin: 2rem 0 0.5rem; }
.prose-page p { color: var(--ink-2); line-height: 1.75; margin-bottom: 1rem; }
.prose-page ul, .prose-page ol { color: var(--ink-2); line-height: 1.75; padding-left: 1.5rem; margin-bottom: 1rem; }
.prose-page ul li, .prose-page ol li { margin-bottom: 0.4rem; }
.prose-page a { color: var(--accent); text-decoration: underline; text-underline-offset: 3px; }
.prose-page a:hover { color: var(--accent-2); }
.prose-page strong { color: var(--ink); font-weight: 600; }

/* Regulatory info cards */
.reg-grid {
  display: grid;
  gap: 1px;
  background: var(--warm-line);
  border: 1px solid var(--warm-line);
  border-radius: var(--radius);
  overflow: hidden;
  margin: 2rem 0;
}
@media (min-width: 600px) { .reg-grid { grid-template-columns: 1fr 1fr; } }
.reg-card {
  background: var(--bg);
  padding: 1.75rem;
}
.reg-card h4 {
  font-family: var(--display);
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--ink);
  margin: 0 0 0.75rem;
}
.reg-card p {
  font-size: 0.9rem;
  color: var(--ink-3);
  line-height: 1.65;
  margin: 0;
}
.reg-card a { color: var(--accent); }
.reg-card .footer-social { margin-top: 1rem; }

/* ── Navbar scrolled state ── */
.navbar.scrolled { box-shadow: 0 1px 12px rgba(0,0,0,0.06); }

/* ── Cookie consent banner ── */
#cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--ink);
  color: rgba(255,255,255,0.80);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.9rem 1.5rem;
  font-size: 0.82rem;
  z-index: 200;
  border-top: 1px solid rgba(255,255,255,0.08);
}
#cookie-banner p { margin: 0; line-height: 1.5; }
#cookie-banner a { color: var(--accent-tint); text-decoration: underline; }
.cookie-actions { flex-shrink: 0; }
.cookie-btn-accept {
  background: var(--accent);
  color: #fff;
  border: none;
  border-radius: var(--radius-sm);
  padding: 0.45rem 1.1rem;
  font-size: 0.82rem;
  font-weight: 600;
  cursor: pointer;
  font-family: var(--sans);
  transition: background 0.15s;
}
.cookie-btn-accept:hover { background: var(--accent-2); }
@media (min-width: 1000px) {
  #cookie-banner { padding: 0.9rem 2.5rem; }
}

/* ── Article / long-form content components ── */

/* Unstyled classes used in article pages */
.muted { color: var(--mute); }

/* Intro paragraph — slightly larger */
.article-intro {
  font-size: 1.1rem;
  line-height: 1.85;
  color: var(--ink-2);
  margin-bottom: 2rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid var(--rule-2);
}

/* Callout stat grid */
.callout-grid {
  display: grid;
  gap: 1px;
  background: var(--warm-line);
  border: 1px solid var(--warm-line);
  border-radius: var(--radius);
  overflow: hidden;
  margin: 2rem 0;
}
@media (min-width: 600px) { .callout-grid { grid-template-columns: repeat(3, 1fr); } }
.callout-card {
  background: var(--bg-2);
  padding: 1.5rem 1.25rem;
}
.callout-card .big {
  font-family: var(--display);
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 400;
  color: var(--accent);
  line-height: 1.1;
  margin-bottom: 0.6rem;
}
.callout-card .small {
  font-size: 0.82rem;
  color: var(--mute);
  line-height: 1.6;
  margin: 0;
}

/* Note / disclaimer box */
.note-box {
  background: var(--bg-2);
  border-left: 3px solid var(--warm-line);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 1rem 1.25rem;
  margin: 1.5rem 0 2rem;
}

/* Value proposition list */
.value-list {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  margin: 1.25rem 0 2rem;
}
.value-item {
  display: flex;
  gap: 0.9rem;
  align-items: flex-start;
  color: var(--accent);
}
.value-item > div { flex: 1; }
.value-item strong { display: block; font-size: 0.95rem; color: var(--ink); margin-bottom: 0.25rem; }

/* ══════════════════════════════════════════════════════════════
   Services page — section layout
   ══════════════════════════════════════════════════════════════ */

.service-section {
  padding: 3.5rem 0;
  border-bottom: 1px solid var(--warm-line);
}
.service-section:last-of-type { border-bottom: 0; }

.service-section-inner {
  display: grid;
  gap: 2.5rem;
  align-items: start;
}
@media (min-width: 900px) {
  .service-section-inner { grid-template-columns: 1fr 320px; gap: 4rem; }
}

.service-checklist {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
  margin: 0 0 1.5rem;
  padding: 0;
}
.service-checklist li {
  padding-left: 1.5rem;
  position: relative;
  color: var(--ink-3);
  font-size: 0.93rem;
  line-height: 1.65;
}
.service-checklist li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--accent);
  font-weight: 700;
  font-size: 0.9rem;
}

.service-sidebar-card {
  background: var(--bg-2);
  border: 1px solid var(--warm-line);
  border-radius: var(--radius);
  padding: 1.5rem;
  position: sticky;
  top: 88px;
}
.service-sidebar-card h4 {
  font-family: var(--display);
  font-size: 1.1rem;
  font-weight: 500;
  margin: 0 0 0.65rem;
  color: var(--ink);
  letter-spacing: -0.012em;
  line-height: 1.2;
}
.service-sidebar-card p {
  font-size: 0.88rem;
  color: var(--mute);
  line-height: 1.65;
  margin: 0 0 1.25rem;
}

/* ══════════════════════════════════════════════════════════════
   About page — qualifications & values grids
   ══════════════════════════════════════════════════════════════ */

.quals-grid {
  display: grid;
  gap: 1px;
  background: var(--warm-line);
  border: 1px solid var(--warm-line);
  border-radius: var(--radius);
  overflow: hidden;
  margin-top: 2rem;
}
@media (min-width: 700px) { .quals-grid { grid-template-columns: 1fr 1fr; } }

/* Remove individual borders inside the seamless quals grid */
.quals-grid .qual-card {
  border: 0;
  border-radius: 0;
}

.values-grid {
  display: grid;
  gap: 1rem;
  margin-top: 2rem;
}
@media (min-width: 700px) { .values-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1000px) { .values-grid { grid-template-columns: repeat(3, 1fr); } }

.value-card {
  background: var(--bg);
  border: 1px solid var(--warm-line);
  border-radius: var(--radius);
  padding: 1.75rem;
}

.value-num {
  font-family: var(--display);
  font-size: 1.75rem;
  font-weight: 400;
  color: rgba(11, 77, 74, 0.18);
  line-height: 1;
  margin-bottom: 0.75rem;
  letter-spacing: -0.02em;
}

/* ══════════════════════════════════════════════════════════════
   Article 2-column layout (drawdown, pension-iht, pension-access)
   ══════════════════════════════════════════════════════════════ */

.article-layout {
  display: grid;
  gap: 3rem;
  align-items: start;
}
@media (min-width: 900px) { .article-layout { grid-template-columns: 1fr 280px; } }

/* Sticky sidebar column */
.article-layout aside { position: sticky; top: 88px; }

/* Individual sidebar cards */
.article-sidebar {
  background: var(--bg-2);
  border: 1px solid var(--warm-line);
  border-radius: var(--radius);
  padding: 1.5rem;
  margin-bottom: 1rem;
}
.article-sidebar:last-child { margin-bottom: 0; }

/* Article body typography */
.article-layout article p { color: var(--ink-3); line-height: 1.8; margin-bottom: 1rem; }
.article-layout article h2 {
  font-size: clamp(1.2rem, 2vw, 1.4rem);
  font-weight: 500;
  margin: 2.25rem 0 0.75rem;
  padding-top: 2rem;
  border-top: 1px solid var(--rule-2);
}
.article-layout article h2:first-child { margin-top: 0; padding-top: 0; border-top: 0; }

/* ══════════════════════════════════════════════════════════════
   Cashflow planning page components
   ══════════════════════════════════════════════════════════════ */

.q-grid {
  display: grid;
  gap: 1px;
  background: var(--warm-line);
  border: 1px solid var(--warm-line);
  border-radius: var(--radius);
  overflow: hidden;
  margin-top: 2.5rem;
}
@media (min-width: 720px) { .q-grid { grid-template-columns: repeat(3, 1fr); } }

.q-card {
  background: var(--bg);
  padding: 2rem 1.75rem;
}

.q-card-num {
  font-family: var(--display);
  font-size: 2.5rem;
  font-weight: 400;
  color: rgba(11, 77, 74, 0.14);
  line-height: 1;
  margin-bottom: 0.75rem;
  letter-spacing: -0.03em;
}

/* 4-column steps grid variant */
@media (min-width: 1100px) { .steps-grid--4 { grid-template-columns: repeat(4, 1fr); } }

/* Cashflow "will your money last" 2-col */
.cashflow-about-grid {
  display: grid;
  gap: 3rem;
  align-items: center;
}
@media (min-width: 900px) { .cashflow-about-grid { grid-template-columns: 1fr 1fr; } }

/* ══════════════════════════════════════════════════════════════
   Contact page sidebar & step components
   ══════════════════════════════════════════════════════════════ */

.contact-sidebar {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

/* Override generic card styling for .next-step — should be a flex row, not a card */
.next-step {
  background: none !important;
  border: none !important;
  border-radius: 0 !important;
  padding: 0.9rem 0 !important;
  border-bottom: 1px solid var(--rule-2) !important;
  display: flex;
  align-items: flex-start;
  gap: 1rem;
}
.next-step:last-child { border-bottom: 0 !important; padding-bottom: 0 !important; }

.next-step-num {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--accent);
  color: #fff;
  font-family: var(--sans);
  font-size: 0.78rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 1px;
}

.next-step p { margin: 0; font-size: 0.9rem; color: var(--ink-3); line-height: 1.6; }

.form-submit-row { margin-top: 0.25rem; }

/* ══════════════════════════════════════════════════════════════
   Disclosure / regulatory note box
   ══════════════════════════════════════════════════════════════ */

.disclosure-box {
  background: var(--bg-2);
  border-left: 3px solid var(--accent);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 1.25rem 1.5rem;
  margin: 2rem 0;
  font-size: 0.87rem;
  color: var(--mute);
  line-height: 1.75;
}
.disclosure-box strong { color: var(--ink); }

/* ══════════════════════════════════════════════════════════════
   Protection grid (services page)
   ══════════════════════════════════════════════════════════════ */

.protection-grid {
  display: grid;
  gap: 1px;
  background: var(--warm-line);
  border: 1px solid var(--warm-line);
  border-radius: var(--radius);
  overflow: hidden;
  margin: 1.25rem 0 1.5rem;
}
@media (min-width: 600px) { .protection-grid { grid-template-columns: 1fr 1fr; } }

/* Remove individual card borders inside the seamless grid */
.protection-grid .protection-item {
  border: 0;
  border-radius: 0;
}

/* ══════════════════════════════════════════════════════════════
   FAQ list container
   ══════════════════════════════════════════════════════════════ */

.faq-list {
  display: flex;
  flex-direction: column;
  gap: 0;
}