/* ============================================================
   JOHN ANTHONY SYKES — STYLESHEET
   Mobile-first. Default = mobile. Desktop via min-width: 900px only.
   No max-width queries. No cascade conflicts.
   ============================================================ */

/* ── Variables ── */
:root {
  --navy:       #18305c;
  --navy-light: #1e3d73;
  --teal:       #1a7a44;
  --ice:        #d4e4f4;
  --white:      #ffffff;
  --grey:       #f4f6f9;
  --text:       #1a1a2e;
  --text-muted: #5a6580;
  --border:     rgba(24,48,92,0.1);
  --font:       'Inter', system-ui, -apple-system, sans-serif;
  --radius:     12px;
  --radius-lg:  20px;
  --shadow:     0 4px 20px rgba(24,48,92,0.10);
  --shadow-lg:  0 12px 40px rgba(24,48,92,0.15);
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; overflow-x: hidden; font-size: 16px; }
body {
  font-family: var(--font);
  color: var(--text);
  background: var(--white);
  line-height: 1.75;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

/* ── Typography — mobile sizes ── */
h1 { font-size: 2rem;    line-height: 1.1;  font-weight: 800; letter-spacing: -0.03em; color: var(--text); }
h2 { font-size: 1.55rem; line-height: 1.15; font-weight: 700; letter-spacing: -0.02em; color: var(--text); }
h3 { font-size: 1.05rem; line-height: 1.25; font-weight: 600; color: var(--text); }

/* ── Layout ── */
.container {
  width: 100%;
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 1.25rem;
}
.section    { padding: 3.5rem 0; }
.section-lg { padding: 4.5rem 0; }
.bg-grey { background: var(--grey); }
.bg-navy { background: var(--navy); }
.bg-ice  { background: var(--ice); }

/* ============================================================
   NAVBAR — mobile (hamburger)
   ============================================================ */
.navbar {
  position: sticky;
  top: 0;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  z-index: 200;
  box-shadow: 0 1px 8px rgba(24,48,92,0.06);
}
.navbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}
.navbar-logo { display: flex; flex-direction: column; gap: 1px; }
.logo-name { font-size: 0.95rem; font-weight: 800; color: var(--navy); letter-spacing: -0.01em; }
.logo-tag  { font-size: 0.6rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--text-muted); font-weight: 500; }

.navbar-links { display: none; }
.navbar-cta   { display: none; }

.navbar-hamburger {
  display: flex;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
  border-radius: var(--radius);
}
.navbar-hamburger span {
  display: block;
  width: 22px; height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: 0.2s ease;
}
.mobile-nav {
  display: none;
  flex-direction: column;
  background: var(--white);
  border-top: 1px solid var(--border);
  padding: 0.5rem 1.25rem 1.5rem;
}
.mobile-nav.open { display: flex; }
.mobile-nav a {
  padding: 0.85rem 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--text);
}
.mobile-nav a:last-of-type { border-bottom: none; }
.mobile-nav .btn { margin-top: 1rem; justify-content: center; }
.mobile-nav .btn-primary { color: var(--white); }

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.75rem 1.5rem;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 0.88rem;
  border: 2px solid transparent;
  cursor: pointer;
  transition: background 0.18s, border-color 0.18s, transform 0.18s, box-shadow 0.18s;
  letter-spacing: 0.01em;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn-lg    { padding: 0.9rem 1.75rem; font-size: 0.93rem; }
.btn-primary       { background: var(--navy);  color: var(--white); border-color: var(--navy); }
.btn-primary:hover { background: var(--navy-light); border-color: var(--navy-light); box-shadow: var(--shadow); }
.btn-outline-navy       { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline-navy:hover { background: var(--navy); color: var(--white); }
.btn-outline-white       { background: transparent; color: rgba(255,255,255,0.9); border-color: rgba(255,255,255,0.4); }
.btn-outline-white:hover { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.7); }
.btn-teal { background: var(--teal); color: var(--white); border-color: var(--teal); }

/* ============================================================
   HERO — mobile: photo top, text below, full width
   ============================================================ */
.hero {
  background: linear-gradient(160deg, #1a3566 0%, var(--navy) 100%);
  padding: 2.5rem 0 0;
  overflow: hidden;
}
.hero-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 1.75rem;
}

/* Photo BELOW text on mobile */
.hero-photo-card {
  width: 65vw;
  max-width: 230px;
  border-radius: 20px;
  overflow: hidden;
  aspect-ratio: 4 / 5;
  box-shadow: 0 24px 64px rgba(0,0,0,0.4);
  border: 1px solid rgba(255,255,255,0.12);
  background: var(--navy-light);
  flex-shrink: 0;
}
.hero-photo-card img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: center top;
}
.hero-content { text-align: center; padding-bottom: 1.5rem; width: 100%; }
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.63rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.7);
  margin-bottom: 1rem;
}
.hero-eyebrow::before {
  content: '';
  display: block;
  width: 16px; height: 1.5px;
  background: rgba(255,255,255,0.3);
}
.hero h1 {
  color: var(--white);
  font-size: 2.1rem;
  line-height: 1.08;
  margin-bottom: 1rem;
}
.hero h1 em { font-style: normal; font-weight: 800; color: rgba(180,210,255,0.95); }
.hero-lead {
  color: rgba(255,255,255,0.68);
  font-size: 0.93rem;
  line-height: 1.8;
  margin-bottom: 1.5rem;
}
.hero-actions { display: flex; flex-direction: column; gap: 0.75rem; align-items: center; }
.hero-actions .btn { width: auto; }
.hero .btn-primary       { background: var(--white); color: var(--navy); border-color: var(--white); }
.hero .btn-primary:hover { background: var(--ice); }
.hero .btn-outline-white { color: rgba(255,255,255,0.9); border-color: rgba(255,255,255,0.4); }

/* Stats bar */
.hero-stats { background: rgba(0,0,0,0.22); border-top: 1px solid rgba(255,255,255,0.08); margin-top: 2rem; }
.hero-stats-inner { display: flex; flex-wrap: wrap; }
.hero-stat {
  flex: 0 0 50%;
  padding: 1rem 0.75rem;
  text-align: center;
  border-right: 1px solid rgba(255,255,255,0.08);
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.hero-stat:nth-child(2n)        { border-right: none; }
.hero-stat:nth-last-child(-n+2) { border-bottom: none; }
.hero-stat-number {
  display: block;
  font-size: 1.35rem; font-weight: 700;
  color: var(--white); line-height: 1;
  margin-bottom: 0.25rem; letter-spacing: -0.02em;
}
.hero-stat-label {
  font-size: 0.62rem; text-transform: uppercase;
  letter-spacing: 0.06em; color: rgba(255,255,255,0.7); font-weight: 500;
}

/* ============================================================
   TRUST BAR
   ============================================================ */
.trust-bar { background: var(--grey); border-bottom: 1px solid var(--border); padding: 0.85rem 0; }
.trust-bar-inner { display: flex; flex-wrap: wrap; gap: 0.5rem 1.25rem; justify-content: center; }
.trust-item { display: flex; align-items: center; gap: 0.4rem; font-size: 0.76rem; font-weight: 600; color: var(--navy); }
.trust-sep { display: none; }

/* ============================================================
   SECTION HEADER
   ============================================================ */
.section-header { text-align: center; margin-bottom: 2.25rem; }
.eyebrow {
  display: inline-block;
  font-size: 0.63rem; font-weight: 700;
  letter-spacing: 0.16em; text-transform: uppercase;
  color: var(--teal); margin-bottom: 0.5rem;
}
.section-header h2 { color: var(--navy); margin-bottom: 0.6rem; }
.section-header p  { color: var(--text-muted); font-size: 0.93rem; max-width: 580px; margin: 0 auto; }

/* ============================================================
   SERVICE CARDS — stacked on mobile
   ============================================================ */
.services-grid { display: flex; flex-direction: column; gap: 1rem; }
.service-card {
  display: flex; flex-direction: column; gap: 0.6rem;
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  transition: box-shadow 0.2s, transform 0.2s;
  color: inherit;
}
.service-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); }
.service-card-icon {
  width: 44px; height: 44px;
  background: rgba(24,48,92,0.06);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  color: var(--navy); flex-shrink: 0;
}
.service-card-icon svg { width: 20px; height: 20px; }
.service-card h3    { color: var(--navy); font-size: 1rem; }
.service-card p     { font-size: 0.875rem; color: var(--text-muted); line-height: 1.65; }
.service-card-link  { font-size: 0.8rem; font-weight: 700; color: var(--teal); margin-top: auto; }

/* ============================================================
   STEPS — stacked on mobile
   ============================================================ */
.steps-grid { display: flex; flex-direction: column; gap: 1.25rem; }
.step-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
}
.step-num {
  width: 36px; height: 36px; border-radius: 50%;
  background: var(--navy); color: var(--white);
  font-weight: 700; font-size: 0.88rem;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 0.75rem;
}
.step-card h3 { color: var(--navy); margin-bottom: 0.5rem; }
.step-card p  { font-size: 0.875rem; color: var(--text-muted); line-height: 1.65; }

/* ============================================================
   TESTIMONIALS — stacked on mobile
   ============================================================ */
.testimonials-grid { display: flex; flex-direction: column; gap: 1rem; }
.testimonial-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
}
.stars { color: #f5a623; font-size: 0.9rem; margin-bottom: 0.75rem; letter-spacing: 0.05em; }
.testimonial-card blockquote {
  font-size: 0.9rem; color: var(--text);
  line-height: 1.75; font-style: italic; margin-bottom: 1rem;
}
.reviewer-name  { font-size: 0.82rem; font-weight: 700; color: var(--navy); }
.reviewer-title { font-size: 0.75rem; color: var(--text-muted); margin-top: 0.1rem; }

/* ============================================================
   ONGOING SUPPORT
   ============================================================ */
.ongoing-grid {
  display: grid; grid-template-columns: 1fr; gap: 1rem;
  padding: 1.5rem;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1.5px solid var(--border);
}

/* ============================================================
   PAGE HERO (inner pages)
   ============================================================ */
.page-hero {
  background: linear-gradient(160deg, #1a3566 0%, var(--navy) 100%);
  padding: 3rem 0 2.5rem;
}
.page-hero h1    { color: var(--white); font-size: 2rem; margin-bottom: 0.75rem; }
.page-hero p     { color: rgba(255,255,255,0.7); font-size: 0.95rem; max-width: 560px; }
.page-hero .eyebrow { color: rgba(255,255,255,0.5); }

/* ============================================================
   SERVICES PAGE
   ============================================================ */
.service-section { padding: 3rem 0; border-bottom: 1px solid var(--border); }
.service-section:last-of-type { border-bottom: none; }
.service-section-inner { display: flex; flex-direction: column; gap: 2rem; }
.service-sidebar-card {
  background: var(--grey); border-radius: var(--radius-lg);
  padding: 1.5rem; border: 1.5px solid var(--border);
}
.service-sidebar-card h4 { color: var(--navy); margin-bottom: 0.75rem; font-size: 0.9rem; }
.service-sidebar-card ul { display: flex; flex-direction: column; gap: 0.5rem; }
.service-sidebar-card li { display: flex; gap: 0.5rem; align-items: flex-start; font-size: 0.85rem; color: var(--text-muted); }
.service-sidebar-card li::before { content: '✓'; color: var(--teal); font-weight: 700; flex-shrink: 0; }
.protection-grid { display: flex; flex-direction: column; gap: 1rem; }
.protection-card {
  background: var(--white); border: 1.5px solid var(--border);
  border-radius: var(--radius-lg); padding: 1.25rem 1.5rem;
}
.protection-card h3 { color: var(--navy); font-size: 1rem; margin-bottom: 0.5rem; }
.protection-card p  { font-size: 0.875rem; color: var(--text-muted); }
.local-grid { display: flex; flex-direction: column; gap: 1.5rem; }
.professionals-list { display: flex; flex-direction: column; gap: 0.5rem; }
.professionals-list li { display: flex; gap: 0.6rem; align-items: flex-start; font-size: 0.875rem; color: var(--text-muted); }
.professionals-list li::before { content: '→'; color: var(--teal); font-weight: 700; flex-shrink: 0; }

/* ============================================================
   CASHFLOW PAGE
   ============================================================ */
.cashflow-hero {
  background: linear-gradient(160deg, #1a3566 0%, var(--navy) 100%);
  padding: 2.5rem 0;
}
.cashflow-hero-inner { display: flex; flex-direction: column; gap: 2rem; }
.cashflow-hero-inner h1    { color: var(--white); }
.cashflow-hero-inner p     { color: rgba(255,255,255,0.7); }
.cashflow-hero-inner .eyebrow { color: rgba(255,255,255,0.7); }
.cashflow-badge {
  display: inline-flex; align-items: center; gap: 0.5rem;
  background: rgba(26,122,68,0.15); color: #1a7a44;
  border: 1px solid rgba(46,168,98,0.3);
  border-radius: 100px; padding: 0.35rem 0.9rem;
  font-size: 0.75rem; font-weight: 600; margin-bottom: 1rem;
}
.dual-chart-grid { display: flex; flex-direction: column; gap: 1.5rem; }
.chart-wrapper {
  background: var(--white); border-radius: var(--radius-lg);
  padding: 1.25rem; border: 1.5px solid var(--border);
}
.cashflow-features { display: flex; flex-direction: column; gap: 1rem; margin-top: 1.5rem; }
.cashflow-feature-card {
  background: var(--white); border-radius: var(--radius-lg);
  padding: 1.25rem 1.5rem; border: 1.5px solid var(--border);
}
.cashflow-feature-card h3 { color: var(--navy); font-size: 0.95rem; margin-bottom: 0.4rem; }
.cashflow-feature-card p  { font-size: 0.85rem; color: var(--text-muted); }
.cashflow-about-grid { display: flex; flex-direction: column; gap: 2rem; }
.cashflow-shows-grid { display: flex; flex-direction: column; gap: 1rem; }
.cashflow-shows-item { display: flex; gap: 0.75rem; align-items: flex-start; }
.steps-grid--4 { display: flex; flex-direction: column; gap: 1rem; }
.scenario-tabs { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-bottom: 1.25rem; }
.scenario-btn {
  padding: 0.4rem 0.85rem; border-radius: 100px;
  border: 1.5px solid var(--border);
  font-size: 0.8rem; font-weight: 600; color: var(--text-muted);
  cursor: pointer; background: var(--white); transition: 0.15s ease;
}
.scenario-btn.active, .scenario-btn:hover { background: var(--navy); color: var(--white); border-color: var(--navy); }

/* ============================================================
   ABOUT PAGE
   ============================================================ */
.about-hero-grid { display: flex; flex-direction: column; gap: 2rem; align-items: flex-start; }
.about-photo-wrap { width: 200px; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg); }
.about-photo-wrap img { width: 100%; }
.quals-grid { display: flex; flex-direction: column; gap: 0.75rem; }
.qual-item {
  display: flex; gap: 0.75rem; align-items: flex-start;
  background: var(--white); border: 1.5px solid var(--border);
  border-radius: var(--radius); padding: 1rem 1.25rem;
}
.qual-icon {
  width: 36px; height: 36px; background: rgba(24,48,92,0.06);
  border-radius: 8px; display: flex; align-items: center; justify-content: center;
  color: var(--navy); flex-shrink: 0;
}
.values-grid { display: flex; flex-direction: column; gap: 1rem; }
.value-card {
  background: var(--white); border: 1.5px solid var(--border);
  border-radius: var(--radius-lg); padding: 1.25rem 1.5rem;
}
.value-card h3 { color: var(--navy); font-size: 0.95rem; margin-bottom: 0.4rem; }
.value-card p  { font-size: 0.875rem; color: var(--text-muted); }
.about-intro-grid { display: flex; flex-direction: column; gap: 2rem; }
.about-intro-photo { width: 200px; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg); }

/* ============================================================
   CONTACT PAGE
   ============================================================ */
.contact-grid { display: flex; flex-direction: column; gap: 2rem; }
.contact-form {
  background: var(--white); border: 1.5px solid var(--border);
  border-radius: var(--radius-lg); padding: 1.75rem;
}
.form-group { margin-bottom: 1.25rem; }
.form-group label { display: block; font-size: 0.82rem; font-weight: 600; color: var(--navy); margin-bottom: 0.4rem; }
.form-group input,
.form-group textarea,
.form-group select {
  width: 100%; padding: 0.7rem 0.9rem;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-family: var(--font); font-size: 0.9rem; color: var(--text);
  background: var(--white); transition: border-color 0.15s;
}
.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus { outline: none; border-color: var(--navy); }
.form-group textarea { min-height: 120px; resize: vertical; }
.form-row { display: flex; flex-direction: column; gap: 0; }
.contact-info-card {
  background: var(--grey); border-radius: var(--radius-lg);
  padding: 1.5rem; border: 1.5px solid var(--border);
}
.contact-detail { display: flex; gap: 0.75rem; align-items: flex-start; margin-bottom: 1rem; font-size: 0.875rem; color: var(--text-muted); }
.contact-detail svg { width: 18px; height: 18px; flex-shrink: 0; margin-top: 1px; }
.contact-detail-icon {
  width: 32px; height: 32px; background: rgba(24,48,92,0.06);
  border-radius: 8px; display: flex; align-items: center; justify-content: center;
  color: var(--navy); flex-shrink: 0;
}

/* ============================================================
   REGULATORY PAGE
   ============================================================ */
.reg-grid { display: flex; flex-direction: column; gap: 1rem; }
.reg-card { background: var(--white); border: 1.5px solid var(--border); border-radius: var(--radius-lg); padding: 1.5rem; }
.reg-card h3 { color: var(--navy); margin-bottom: 0.6rem; }
.reg-card p  { font-size: 0.875rem; color: var(--text-muted); }

/* ============================================================
   ARTICLE LAYOUT
   ============================================================ */
.article-layout { display: flex; flex-direction: column; gap: 2rem; }
.article-sidebar { background: var(--grey); border-radius: var(--radius-lg); padding: 1.5rem; border: 1.5px solid var(--border); }

/* ============================================================
   CTA STRIP
   ============================================================ */
.cta-strip { background: var(--navy); padding: 3.5rem 0; text-align: center; }
.cta-strip h2 { color: var(--white); margin-bottom: 0.75rem; }
.cta-strip p  { color: rgba(255,255,255,0.68); font-size: 0.95rem; margin-bottom: 1.75rem; }
.cta-strip-actions { display: flex; flex-direction: column; align-items: center; gap: 0.75rem; }
.cta-strip-actions .btn { width: 100%; max-width: 320px; }
.cta-strip .btn-primary       { background: var(--white); color: var(--navy); border-color: var(--white); }
.cta-strip .btn-primary:hover { background: var(--ice); }

/* ============================================================
   FOOTER — stacked on mobile
   ============================================================ */
.footer { background: #0e1f3d; color: rgba(255,255,255,0.65); padding: 3rem 0 0; }
.footer-grid { display: flex; flex-direction: column; gap: 2rem; }
.footer-brand .logo-name { color: var(--white); font-size: 1rem; }
.footer-brand .logo-tag  { color: rgba(255,255,255,0.35); }
.footer-brand p { font-size: 0.83rem; color: rgba(255,255,255,0.55); line-height: 1.75; margin-top: 0.75rem; }
.footer-col { display: flex; flex-direction: column; }
.footer-col h4 {
  font-size: 0.7rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.12em;
  color: var(--white); margin-bottom: 0.85rem;
}
.footer-col a { display: block; font-size: 0.83rem; color: rgba(255,255,255,0.55); transition: color 0.15s; padding: 0.22rem 0; }
.footer-col a:hover { color: var(--white); }
.footer-col ul  { display: flex; flex-direction: column; }
.footer-col li a { padding: 0; }
.footer-bottom {
  margin-top: 2.5rem;
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 1.25rem 0;
  font-size: 0.78rem;
  display: flex; flex-direction: column;
  gap: 0.5rem; text-align: center;
}
.footer-bottom a { color: rgba(255,255,255,0.45); }
.footer-bottom a:hover { color: var(--white); }

/* ============================================================
   MISC
   ============================================================ */
.not-found { text-align: center; padding: 5rem 1rem; }
.not-found .code { font-size: 6rem; font-weight: 800; color: var(--navy); opacity: 0.1; line-height: 1; margin-bottom: 1rem; }
.fade-up { opacity: 0; transform: translateY(24px); transition: opacity 0.55s ease, transform 0.55s ease; }
.fade-up.visible { opacity: 1; transform: none; }
.sr {
  opacity: 0; transform: translateY(28px);
  transition: opacity 0.6s cubic-bezier(0.22,1,0.36,1), transform 0.6s cubic-bezier(0.22,1,0.36,1);
}
.sr.sr-in { opacity: 1; transform: none; }

/* ============================================================
   DESKTOP — min-width: 900px
   Adds multi-column layouts. Nothing below overrides mobile above.
   ============================================================ */
@media (min-width: 900px) {

  /* Typography */
  h1 { font-size: 3.8rem; }
  h2 { font-size: 2.35rem; }
  h3 { font-size: 1.28rem; }
  .container { padding: 0 2rem; }
  .section    { padding: 5.5rem 0; }
  .section-lg { padding: 7rem 0; }

  /* Navbar */
  .navbar-inner  { height: 72px; }
  .navbar-links  { display: flex; align-items: center; gap: 2.25rem; }
  .navbar-links a { font-size: 0.88rem; font-weight: 500; color: var(--text); transition: color 0.15s; }
  .navbar-links a:hover { color: var(--navy); font-weight: 600; }
  .navbar-cta       { display: inline-flex; }
  .navbar-hamburger { display: none; }
  .mobile-nav       { display: none !important; }

  /* Hero — side by side */
  .hero { padding: 5.5rem 0 0; }
  .hero-inner {
    flex-direction: row;
    align-items: center;
    gap: 5rem;
    padding-bottom: 5.5rem;
  }
  .hero-content   { text-align: left; flex: 1; padding-bottom: 0; }
  .hero-photo-card {
    order: 0;
    width: 380px; max-width: 400px;
    flex-shrink: 0; border-radius: 28px;
  }
  .hero h1         { font-size: 4.2rem; }
  .hero-eyebrow    { justify-content: flex-start; }
  .hero-lead       { font-size: 1.1rem; max-width: 520px; }
  .hero-actions    { flex-direction: row; align-items: center; }
  .hero-actions .btn { width: auto; }

  /* Stats — single row */
  .hero-stats-inner { flex-wrap: nowrap; }
  .hero-stat {
    flex: 1; padding: 1.25rem 1rem;
    border-bottom: none !important;
  }
  .hero-stat:nth-child(2n)  { border-right: 1px solid rgba(255,255,255,0.08); }
  .hero-stat:last-child     { border-right: none; }
  .hero-stat-number         { font-size: 1.9rem; }

  /* Trust bar */
  .trust-bar-inner { gap: 0 2rem; }
  .trust-sep       { display: inline; color: var(--border); margin: 0 0.5rem; }

  /* Section header */
  .section-header { margin-bottom: 3.5rem; }

  /* Services — 3 col */
  .services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }

  /* Steps — 3 col */
  .steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }

  /* Testimonials — 3 col */
  .testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }

  /* Ongoing */
  .ongoing-grid { grid-template-columns: repeat(2, 1fr); gap: 1.5rem; padding: 2rem; }

  /* CTA */
  .cta-strip-actions { flex-direction: row; justify-content: center; }
  .cta-strip-actions .btn { width: auto; }

  /* Footer */
  .footer-grid { display: grid; grid-template-columns: 2.5fr 1fr 1fr 1fr; gap: 3.5rem; }
  .footer-bottom { flex-direction: row; justify-content: space-between; text-align: left; }

  /* Services page */
  .service-section-inner { display: grid; grid-template-columns: 1fr 280px; gap: 3rem; align-items: start; }
  .service-sidebar-card  { position: sticky; top: 90px; }
  .protection-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.25rem; }
  .local-grid      { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: start; }

  /* Cashflow page */
  .cashflow-hero       { padding: 5.5rem 0; }
  .cashflow-hero-inner { flex-direction: row; align-items: center; gap: 5rem; }
  .cashflow-hero-inner > div { flex: 1; }
  .dual-chart-grid     { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }
  .cashflow-features   { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
  .cashflow-about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 5rem; align-items: center; }
  .cashflow-shows-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.25rem; }
  .steps-grid--4       { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.25rem; }

  /* About page */
  .about-hero-grid  { display: grid; grid-template-columns: 1fr 300px; gap: 4rem; align-items: start; }
  .about-photo-wrap { width: 100%; }
  .quals-grid  { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1rem; }
  .values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
  .about-intro-grid  { display: grid; grid-template-columns: 1fr 240px; gap: 4rem; align-items: center; }
  .about-intro-photo { width: 100%; }

  /* Contact page */
  .contact-grid { display: grid; grid-template-columns: 1fr 340px; gap: 3rem; align-items: start; }
  .form-row     { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }

  /* Reg page */
  .reg-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.25rem; }

  /* Article */
  .article-layout  { display: grid; grid-template-columns: 1fr 280px; gap: 3rem; align-items: start; }
  .article-sidebar { position: sticky; top: 90px; }

  /* Page hero */
  .page-hero    { padding: 5rem 0 4rem; }
  .page-hero h1 { font-size: 3.2rem; }
}

/* ============================================================
   ACCESSIBILITY
   ============================================================ */
.skip-link {
  position: absolute;
  top: -100%;
  left: 1rem;
  background: var(--navy);
  color: var(--white);
  padding: 0.5rem 1rem;
  border-radius: 0 0 var(--radius) var(--radius);
  font-weight: 600;
  font-size: 0.875rem;
  z-index: 9999;
  transition: top 0.2s;
}
.skip-link:focus { top: 0; }

/* ============================================================
   BUTTONS — ADDITIONAL VARIANTS
   ============================================================ */
.btn-outline {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
}
.btn-outline:hover { background: var(--navy); color: var(--white); }
.btn-sm { padding: 0.45rem 1rem; font-size: 0.8rem; }

/* ============================================================
   FOOTER — SOCIAL & REG BAR
   ============================================================ */
.footer-social { display: flex; gap: 0.75rem; margin-top: 0.75rem; }
.footer-social a {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(255,255,255,0.12);
  color: rgba(255,255,255,0.8);
  transition: background 0.2s, color 0.2s;
}
.footer-social a:hover { background: var(--teal); color: var(--white); }
.footer-social svg { width: 16px; height: 16px; }

.footer-disclaimer {
  background: rgba(0,0,0,0.3);
  padding: 1rem 0;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.6;
}

.reg-footer {
  background: var(--navy);
  color: rgba(255,255,255,0.6);
  padding: 1.25rem 0;
  font-size: 0.78rem;
  line-height: 1.6;
  text-align: center;
}

/* ============================================================
   PROSE PAGES (Privacy / Regulatory)
   ============================================================ */
.prose-page {
  max-width: 780px;
  margin: 0 auto;
  padding: 3rem 1.25rem 4rem;
  font-size: 1rem;
  line-height: 1.8;
  color: var(--text);
}
.prose-page h2 { margin: 2rem 0 0.75rem; font-size: 1.25rem; }
.prose-page h3 { margin: 1.5rem 0 0.5rem; font-size: 1.05rem; }
.prose-page p  { margin-bottom: 1rem; }
.prose-page ul { list-style: disc; padding-left: 1.5rem; margin-bottom: 1rem; }
.prose-page ul li { margin-bottom: 0.35rem; }
.prose-page a  { color: var(--navy); text-decoration: underline; }

/* ============================================================
   TESTIMONIALS — INNER ELEMENTS
   ============================================================ */
.testimonial-stars {
  display: flex;
  gap: 2px;
  margin-bottom: 0.75rem;
  color: #f59e0b;
}
.testimonial-stars svg { width: 16px; height: 16px; }
.testimonial-body {
  font-size: 0.95rem;
  line-height: 1.7;
  color: var(--text);
  font-style: italic;
  margin-bottom: 1rem;
  flex: 1;
}
.testimonial-author {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--navy);
  letter-spacing: 0.02em;
  text-transform: uppercase;
}

/* ============================================================
   ABOUT PAGE — QUAL CARDS & VALUES
   ============================================================ */
.qual-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.5rem;
  transition: box-shadow 0.2s;
}
.qual-card:hover { box-shadow: var(--shadow); }
.qual-card h4 { font-size: 0.9rem; font-weight: 700; color: var(--navy); margin: 0.6rem 0 0.4rem; }
.qual-card p  { font-size: 0.85rem; color: var(--text-muted); margin: 0; line-height: 1.6; }
.qual-card-icon {
  width: 40px;
  height: 40px;
  background: var(--ice);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
}
.qual-card-icon svg { width: 20px; height: 20px; }

.value-num {
  font-size: 2rem;
  font-weight: 800;
  color: var(--ice);
  line-height: 1;
  margin-bottom: 0.5rem;
}

.fintuity-card {
  background: var(--ice);
  border-left: 4px solid var(--navy);
  border-radius: var(--radius);
  padding: 1.75rem;
  font-size: 0.95rem;
  line-height: 1.75;
  color: var(--text);
}
.fintuity-card p { margin-bottom: 0.75rem; }
.fintuity-card p:last-child { margin-bottom: 0; }

/* ============================================================
   FAQ ACCORDION
   ============================================================ */
.faq-list { display: flex; flex-direction: column; gap: 0.5rem; }

.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  background: var(--white);
}

.faq-q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  background: none;
  border: none;
  padding: 1.1rem 1.25rem;
  font-family: var(--font);
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  text-align: left;
  transition: background 0.15s;
}
.faq-q:hover { background: var(--grey); }
.faq-q[aria-expanded="true"] { background: var(--grey); }

.faq-icon {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  color: var(--navy);
  transition: transform 0.25s;
}
.faq-q[aria-expanded="true"] .faq-icon { transform: rotate(45deg); }
.faq-icon svg { width: 20px; height: 20px; }

.faq-a {
  display: none;
  padding: 0 1.25rem 1.1rem;
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.75;
  border-top: 1px solid var(--border);
}
.faq-a p { margin: 0.75rem 0 0; }
.faq-a.open { display: block; }

/* ============================================================
   CASHFLOW PAGE — Q CARDS & CHART LEGEND
   ============================================================ */
.q-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1rem;
}
.q-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.5rem;
}
.q-card h3 { font-size: 1rem; color: var(--navy); margin-bottom: 0.5rem; }
.q-card-num {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-weight: 700;
  font-size: 0.85rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 0.75rem;
}

.ic-legend {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1rem;
  margin-top: 0.75rem;
}
.ic-legend-item {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.78rem;
  color: var(--text-muted);
}
.ic-legend-dot {
  width: 12px;
  height: 12px;
  border-radius: 3px;
  flex-shrink: 0;
}

/* ============================================================
   SERVICES PAGE — CHECKLIST, PROTECTION, RISK WARNING
   ============================================================ */
.service-checklist {
  list-style: none;
  padding: 0;
  margin: 0 0 1.25rem;
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
}
.service-checklist li {
  padding-left: 1.5rem;
  position: relative;
  font-size: 0.9rem;
  color: var(--text);
  line-height: 1.55;
}
.service-checklist li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--teal);
  font-weight: 700;
}

.protection-item {
  background: var(--grey);
  border-radius: var(--radius);
  padding: 1.25rem;
}
.protection-item h4 { font-size: 0.9rem; font-weight: 700; color: var(--navy); margin-bottom: 0.35rem; }
.protection-item p  { font-size: 0.85rem; color: var(--text-muted); margin: 0; line-height: 1.55; }

.risk-warning {
  background: #fff8e1;
  border-left: 3px solid #f59e0b;
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 0.85rem 1rem;
  font-size: 0.8rem;
  color: #7c5a00;
  line-height: 1.6;
  margin-top: 1.25rem;
}

/* ============================================================
   CONTACT PAGE — FORM, SIDEBAR, NEXT STEPS
   ============================================================ */
.contact-form-wrap {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem 1.5rem;
}
.contact-sidebar { display: flex; flex-direction: column; gap: 1.5rem; }

.next-steps-card {
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
}
.next-steps-card h3 { color: var(--white); font-size: 1rem; margin-bottom: 1.25rem; }

.next-step {
  display: flex;
  gap: 0.9rem;
  align-items: flex-start;
  margin-bottom: 1rem;
}
.next-step:last-child { margin-bottom: 0; }
.next-step p { font-size: 0.875rem; color: rgba(255,255,255,0.85); margin: 0; line-height: 1.6; }

.next-step-num {
  flex-shrink: 0;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--teal);
  color: var(--white);
  font-size: 0.8rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
}

.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.875rem;
  color: var(--text-muted);
  cursor: pointer;
  line-height: 1.55;
}
.checkbox-label input[type="checkbox"] { margin-top: 2px; flex-shrink: 0; }

.form-submit-row { margin-top: 1.25rem; }

/* Q-grid desktop upgrade */
@media (min-width: 900px) {
  .q-grid { grid-template-columns: repeat(3, 1fr); }
  .contact-sidebar { flex-direction: column; }
}

/* ============================================================
   COOKIE BANNER
   ============================================================ */
#cookie-banner {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  background: #12213f;
  color: rgba(255,255,255,0.85);
  padding: 1rem 1.5rem;
  display: flex; flex-wrap: wrap; align-items: center;
  gap: 0.75rem 1.5rem;
  z-index: 9997;
  border-top: 2px solid rgba(255,255,255,0.08);
  font-size: 0.82rem;
  line-height: 1.55;
  box-shadow: 0 -4px 28px rgba(0,0,0,0.3);
}
#cookie-banner p { flex: 1; min-width: 200px; margin: 0; }
#cookie-banner a { color: rgba(255,255,255,0.7); text-decoration: underline; }
#cookie-banner a:hover { color: #fff; }
.cookie-actions { display: flex; gap: 0.5rem; flex-shrink: 0; }
.cookie-btn-accept {
  background: var(--teal); color: #fff; border: none;
  border-radius: var(--radius); padding: 0.5rem 1.1rem;
  font-size: 0.8rem; font-weight: 600; cursor: pointer;
  font-family: var(--font); transition: opacity 0.15s;
}
.cookie-btn-accept:hover { opacity: 0.88; }
.cookie-btn-decline {
  background: transparent; color: rgba(255,255,255,0.55);
  border: 1px solid rgba(255,255,255,0.25); border-radius: var(--radius);
  padding: 0.5rem 1.1rem; font-size: 0.8rem; font-weight: 600;
  cursor: pointer; font-family: var(--font);
  transition: color 0.15s, border-color 0.15s;
}
.cookie-btn-decline:hover { color: rgba(255,255,255,0.8); border-color: rgba(255,255,255,0.4); }

/* ============================================================
   REDUCED MOTION
   ============================================================ */
@media (prefers-reduced-motion: reduce) {
  .sr, .fade-up { opacity: 1 !important; transform: none !important; transition: none !important; }
}