/* ═══════════════════════════════════════════════════════════
   InvestaBR v2 — Design System
   Mobile-first · Glassmorphism · Interactive
   ═══════════════════════════════════════════════════════════ */

/* ── Reset & Base ─────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:       #0a1628;
  --navy-mid:   #0d2045;
  --blue-deep:  #0d2347;
  --blue-mid:   #162f5a;
  --blue-light: #1e3f78;
  --gold:       #c9a84c;
  --gold-light: #dfc07a;
  --gold-pale:  #f0dda8;
  --gold-dark:  #a8873a;
  --gold-glow:  rgba(201,168,76,.25);
  --white:      #ffffff;
  --off-white:  #f6f4f0;
  --gray-100:   #f0eee9;
  --gray-200:   #e2ddd5;
  --gray-400:   #9aa5b8;
  --gray-600:   #5c6f88;
  --text:       #111827;
  --text-muted: #4b5563;
  --text-light: #8a9bb0;
  --error:      #dc3545;
  --success:    #22c55e;

  --r-sm:  6px;
  --r-md:  12px;
  --r-lg:  18px;
  --r-xl:  28px;
  --r-2xl: 40px;

  --sh-sm:  0 1px 4px rgba(0,0,0,.06), 0 2px 8px rgba(0,0,0,.04);
  --sh-md:  0 4px 16px rgba(0,0,0,.10), 0 1px 4px rgba(0,0,0,.06);
  --sh-lg:  0 12px 40px rgba(0,0,0,.16), 0 4px 12px rgba(0,0,0,.08);
  --sh-xl:  0 24px 64px rgba(0,0,0,.22), 0 8px 24px rgba(0,0,0,.10);
  --sh-gold: 0 8px 32px rgba(201,168,76,.30);

  --ease:    cubic-bezier(.4,0,.2,1);
  --spring:  cubic-bezier(.34,1.56,.64,1);
  --t-fast:  .15s;
  --t-mid:   .25s;
  --t-slow:  .45s;

  --max-w: 1200px;
  --nav-h: 68px;
}

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  font-size: 16px;
}

body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  overflow-x: hidden;
}

/* ── Typography ───────────────────────────────────────────── */
h1, h2, h3, h4 {
  font-family: 'Playfair Display', Georgia, serif;
  line-height: 1.2;
  letter-spacing: -.01em;
}
h1 { font-size: clamp(2.2rem, 6vw, 4.2rem); font-weight: 700; }
h2 { font-size: clamp(1.75rem, 4vw, 2.8rem); font-weight: 700; }
h3 { font-size: clamp(1.1rem, 2.5vw, 1.35rem); font-weight: 600; }
h4 { font-size: .95rem; font-weight: 600; }

p { color: var(--text-muted); }
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
strong { color: var(--text); }

/* ── Layout ───────────────────────────────────────────────── */
.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 1.25rem;
}
@media (min-width: 640px) { .container { padding: 0 2rem; } }

section { padding: 5rem 0; }
@media (min-width: 768px) { section { padding: 7rem 0; } }

.dark-section { background: var(--navy); }
.dark-section h2, .dark-section h3, .dark-section h4 { color: var(--white); }
.dark-section p { color: var(--gray-400); }
.dark-section strong { color: var(--white); }

/* ── Section header ───────────────────────────────────────── */
.section-header {
  text-align: center;
  max-width: 660px;
  margin: 0 auto 3.5rem;
}
.section-header h2 { margin-bottom: .75rem; }
.section-header p  { font-size: 1rem; }

.section-tag {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--gold-dark);
  border: 1px solid var(--gold);
  border-radius: 100px;
  padding: .3rem .9rem;
  margin-bottom: .9rem;
  background: rgba(201,168,76,.06);
}
.section-tag.light {
  color: var(--gold-light);
  border-color: rgba(201,168,76,.4);
  background: rgba(201,168,76,.06);
}

/* ── Buttons ──────────────────────────────────────────────── */
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  font-size: .95rem;
  padding: .85rem 1.75rem;
  border-radius: var(--r-md);
  transition: background var(--t-mid) var(--ease),
              transform var(--t-mid) var(--spring),
              box-shadow var(--t-mid) var(--ease);
  white-space: nowrap;
  -webkit-tap-highlight-color: transparent;
}
.btn-primary:hover  { background: var(--gold-light); transform: translateY(-2px); box-shadow: var(--sh-gold); }
.btn-primary:active { transform: translateY(0); }
.btn-pulse { animation: pulse-ring 3s ease infinite; }
@keyframes pulse-ring {
  0%, 100% { box-shadow: 0 0 0 0 rgba(201,168,76,0); }
  50%       { box-shadow: 0 0 0 10px rgba(201,168,76,0); }
  40%       { box-shadow: 0 0 0 8px rgba(201,168,76,.15); }
}

.btn-ghost {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  background: rgba(255,255,255,.08);
  color: rgba(255,255,255,.9);
  font-weight: 600;
  font-size: .95rem;
  padding: .85rem 1.75rem;
  border-radius: var(--r-md);
  border: 1.5px solid rgba(255,255,255,.2);
  backdrop-filter: blur(8px);
  transition: all var(--t-mid) var(--ease);
  -webkit-tap-highlight-color: transparent;
}
.btn-ghost:hover  { border-color: var(--gold); color: var(--gold); background: rgba(201,168,76,.08); }
.btn-ghost:active { transform: translateY(1px); }

/* ── Reveal animation ─────────────────────────────────────── */
.reveal {
  opacity: 0;
  transform: translateY(32px);
  transition: opacity .6s var(--ease), transform .6s var(--ease);
}
.reveal.visible { opacity: 1; transform: translateY(0); }

/* ═══════════════════════════════════════════════════════════
   MOBILE MENU OVERLAY
   ═══════════════════════════════════════════════════════════ */
.menu-overlay {
  position: fixed;
  inset: 0;
  background: var(--navy);
  z-index: 2000;
  display: flex;
  flex-direction: column;
  opacity: 0;
  pointer-events: none;
  transition: opacity .35s var(--ease);
}
.menu-overlay.open {
  opacity: 1;
  pointer-events: all;
}
.menu-overlay-inner {
  flex: 1;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 2rem;
  padding-top: calc(2rem + env(safe-area-inset-top));
}
.menu-overlay-logo {
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem;
  font-weight: 700;
  margin-bottom: 3rem;
}
.menu-overlay-nav {
  display: flex;
  flex-direction: column;
  gap: .25rem;
}
.overlay-link {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.5rem, 5vw, 2rem);
  font-weight: 600;
  color: rgba(255,255,255,.55);
  padding: .6rem 0;
  border-bottom: 1px solid rgba(255,255,255,.06);
  transition: color var(--t-fast) var(--ease), padding-left var(--t-mid) var(--ease);
  -webkit-tap-highlight-color: transparent;
}
.overlay-link:hover  { color: var(--gold); padding-left: .5rem; }
.overlay-link:active { color: var(--gold-light); }
.overlay-link-cta {
  margin-top: 1.5rem;
  background: var(--gold);
  color: var(--navy) !important;
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  text-align: center;
  padding: 1rem !important;
  border-radius: var(--r-md);
  border-bottom: none;
}
.menu-overlay-contact {
  margin-top: 2rem;
  display: flex;
  flex-direction: column;
  gap: .4rem;
}
.menu-overlay-contact a {
  color: var(--gray-400);
  font-size: .9rem;
  transition: color var(--t-fast);
}
.menu-overlay-contact a:hover { color: var(--gold); }

.menu-close {
  position: absolute;
  top: 1.5rem;
  right: 1.5rem;
  top: calc(1.5rem + env(safe-area-inset-top));
  width: 44px;
  height: 44px;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 50%;
  cursor: pointer;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 0;
  -webkit-tap-highlight-color: transparent;
}
.menu-close span {
  display: block;
  width: 18px;
  height: 1.5px;
  background: var(--white);
  position: absolute;
}
.menu-close span:nth-child(1) { transform: rotate(45deg); }
.menu-close span:nth-child(2) { transform: rotate(-45deg); }

/* ═══════════════════════════════════════════════════════════
   NAVBAR
   ═══════════════════════════════════════════════════════════ */
#navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  height: var(--nav-h);
  display: flex;
  align-items: center;
  transition: background var(--t-mid) var(--ease), box-shadow var(--t-mid) var(--ease);
}
#navbar.scrolled {
  background: rgba(10,22,40,.95);
  backdrop-filter: blur(16px) saturate(1.5);
  -webkit-backdrop-filter: blur(16px) saturate(1.5);
  box-shadow: 0 1px 0 rgba(255,255,255,.05), 0 4px 24px rgba(0,0,0,.3);
}
.nav-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 1.25rem;
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
@media (min-width: 640px) { .nav-inner { padding: 0 2rem; } }

.logo {
  font-family: 'Playfair Display', serif;
  font-size: 1.55rem;
  font-weight: 700;
  line-height: 1;
  flex-shrink: 0;
}
.logo-invest { color: var(--white); }
.logo-abr    { color: var(--gold); }

.nav-links {
  display: none;
  list-style: none;
  align-items: center;
  gap: 1.75rem;
}
@media (min-width: 960px) { .nav-links { display: flex; } }

.nav-links a {
  color: rgba(255,255,255,.75);
  font-size: .875rem;
  font-weight: 500;
  transition: color var(--t-fast);
  -webkit-tap-highlight-color: transparent;
}
.nav-links a:hover { color: var(--gold); }
.nav-links .nav-cta {
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  padding: .5rem 1.2rem;
  border-radius: var(--r-sm);
}
.nav-links .nav-cta:hover { background: var(--gold-light); color: var(--navy); }

.hamburger {
  display: flex;
  flex-direction: column;
  gap: 5px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--r-sm);
  cursor: pointer;
  padding: .55rem .65rem;
  min-width: 44px;
  min-height: 44px;
  align-items: center;
  justify-content: center;
  -webkit-tap-highlight-color: transparent;
}
@media (min-width: 960px) { .hamburger { display: none; } }
.hamburger span {
  display: block;
  width: 20px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: transform var(--t-mid) var(--ease);
}

/* ═══════════════════════════════════════════════════════════
   HERO
   ═══════════════════════════════════════════════════════════ */
#hero {
  position: relative;
  min-height: 100svh;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding: 0;
  background: var(--navy);
}

/* Animated background */
.hero-canvas { position: absolute; inset: 0; z-index: 0; overflow: hidden; }

.hero-grid {
  position: absolute;
  inset: -5%;
  background-image:
    linear-gradient(rgba(255,255,255,.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.03) 1px, transparent 1px);
  background-size: 60px 60px;
  animation: gridDrift 40s linear infinite;
}
@keyframes gridDrift {
  from { transform: translate(0, 0); }
  to   { transform: translate(60px, 60px); }
}

.hero-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  animation: orbFloat 12s ease-in-out infinite;
}
.hero-orb-1 {
  width: clamp(300px, 50vw, 600px);
  height: clamp(300px, 50vw, 600px);
  background: radial-gradient(circle, rgba(22,47,90,.7) 0%, transparent 70%);
  top: -10%; right: -10%;
  animation-delay: 0s;
}
.hero-orb-2 {
  width: clamp(200px, 35vw, 450px);
  height: clamp(200px, 35vw, 450px);
  background: radial-gradient(circle, rgba(201,168,76,.08) 0%, transparent 65%);
  bottom: 10%; left: -5%;
  animation-delay: -4s;
}
.hero-orb-3 {
  width: clamp(150px, 25vw, 300px);
  height: clamp(150px, 25vw, 300px);
  background: radial-gradient(circle, rgba(30,63,120,.6) 0%, transparent 70%);
  top: 40%; left: 30%;
  animation-delay: -8s;
}
@keyframes orbFloat {
  0%, 100% { transform: translate(0, 0) scale(1); }
  33%       { transform: translate(20px, -20px) scale(1.05); }
  66%       { transform: translate(-15px, 15px) scale(.97); }
}

.hero-lines { position: absolute; inset: 0; }
.h-line {
  position: absolute;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(201,168,76,.2), transparent);
  animation: lineSweep 6s ease-in-out infinite;
}
.h-line-1 { top: 25%; width: 60%; left: 20%; animation-delay: 0s; }
.h-line-2 { top: 55%; width: 40%; left: 0;   animation-delay: 2s; }
.h-line-3 { top: 75%; width: 50%; left: 35%; animation-delay: 4s; }
@keyframes lineSweep {
  0%, 100% { opacity: 0; transform: scaleX(0); transform-origin: left; }
  30%       { opacity: 1; }
  70%       { opacity: 1; }
  100%      { opacity: 0; transform: scaleX(1); }
}

/* ── Hero illustration ──────────────────────────────────── */
.hero-illustration {
  position: absolute;
  right: 0;
  top: 50%;
  transform: translateY(-50%);
  width: min(48vw, 560px);
  opacity: 0;
  pointer-events: none;
  filter: drop-shadow(0 0 40px rgba(201,168,76,.1));
  animation: heroIllustIn 1.6s cubic-bezier(.16,1,.3,1) .35s forwards;
}
@keyframes heroIllustIn {
  from { opacity: 0; transform: translateY(-48%) translateX(30px); }
  to   { opacity: .48; transform: translateY(-50%) translateX(0); }
}
@keyframes heroIllustFaint {
  from { opacity: 0; }
  to   { opacity: .09; }
}
@keyframes starGlow {
  0%, 100% { opacity: .85; }
  50%       { opacity: 1; filter: drop-shadow(0 0 8px rgba(201,168,76,.9)); }
}
.hero-star { animation: starGlow 3.5s ease-in-out infinite; }

@media (prefers-reduced-motion: reduce) {
  .hero-illustration { animation: none; opacity: .45; }
  .hero-star          { animation: none; }
}
@media (max-width: 1023px) {
  .hero-illustration {
    right: auto; left: 50%;
    transform: translate(-50%, -50%);
    width: 80vw; max-width: 440px;
    filter: none;
    animation-name: heroIllustFaint;
    animation-duration: 1.4s;
  }
}
@media (max-width: 639px) { .hero-illustration { display: none; } }
.hero-svg { width: 100%; height: auto; display: block; }

.hero-content {
  position: relative;
  z-index: 2;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: calc(var(--nav-h) + 3rem) 1.25rem 3rem;
  width: 100%;
}
@media (min-width: 640px) { .hero-content { padding: calc(var(--nav-h) + 4rem) 2rem 4rem; } }

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-size: .72rem;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--gold-light);
  border: 1px solid rgba(201,168,76,.3);
  border-radius: 100px;
  padding: .35rem 1rem;
  margin-bottom: 1.5rem;
  background: rgba(201,168,76,.06);
  backdrop-filter: blur(8px);
}
.badge-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--gold);
  animation: blink 2s ease infinite;
  flex-shrink: 0;
}
@keyframes blink { 0%, 100% { opacity: 1; } 50% { opacity: .3; } }

#hero h1 {
  color: var(--white);
  max-width: 740px;
  margin-bottom: 1.5rem;
  text-shadow: 0 2px 20px rgba(0,0,0,.3);
}
.hero-highlight {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 50%, var(--gold-pale) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-sub {
  color: rgba(255,255,255,.72);
  font-size: clamp(.95rem, 2vw, 1.1rem);
  max-width: 560px;
  margin-bottom: 2.5rem;
  line-height: 1.75;
}
.hero-sub strong { color: var(--gold-light); -webkit-text-fill-color: var(--gold-light); }

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: .9rem;
  margin-bottom: 3.5rem;
}

/* Hero stat cards */
.hero-stats {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: .75rem;
  max-width: 600px;
}
@media (min-width: 480px) { .hero-stats { grid-template-columns: repeat(4, 1fr); } }

.stat-card {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--r-md);
  padding: .9rem 1rem;
  display: flex;
  align-items: center;
  gap: .65rem;
  backdrop-filter: blur(12px);
  transition: background var(--t-mid) var(--ease), border-color var(--t-mid) var(--ease);
}
.stat-card:hover { background: rgba(255,255,255,.09); border-color: rgba(201,168,76,.3); }

.stat-icon {
  color: var(--gold);
  font-size: .8rem;
  flex-shrink: 0;
  opacity: .7;
}
.stat-num {
  display: block;
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.1rem, 2.5vw, 1.4rem);
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  margin-bottom: .2rem;
}
.stat-label {
  display: block;
  font-size: .65rem;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: rgba(255,255,255,.45);
  line-height: 1.3;
}

.scroll-cue {
  position: absolute;
  bottom: 2rem;
  left: 50%;
  transform: translateX(-50%);
  z-index: 2;
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,.4);
  animation: scrollBounce 2s ease infinite;
}
.scroll-cue-ring {
  position: absolute;
  width: 40px;
  height: 40px;
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 50%;
}
@keyframes scrollBounce { 0%, 100% { transform: translateX(-50%) translateY(0); } 50% { transform: translateX(-50%) translateY(6px); } }

/* ── Marquee ──────────────────────────────────────────────── */
.marquee-strip {
  background: linear-gradient(135deg, var(--gold-dark) 0%, var(--gold) 50%, var(--gold-dark) 100%);
  overflow: hidden;
  padding: .65rem 0;
}
.marquee-track {
  display: inline-block;
  white-space: nowrap;
  animation: marquee 32s linear infinite;
  font-size: .72rem;
  font-weight: 800;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--navy);
}
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ═══════════════════════════════════════════════════════════
   ABOUT
   ═══════════════════════════════════════════════════════════ */
#about { background: var(--off-white); }

.about-grid {
  display: grid;
  gap: 3rem;
}
@media (min-width: 900px) {
  .about-grid { grid-template-columns: 1fr 1fr; gap: 5rem; align-items: center; }
}

.about-text h2 { margin-bottom: 1rem; }
.about-text > p { margin-bottom: 1rem; }

.about-pillars { display: flex; flex-direction: column; gap: 1.25rem; margin-top: 1.75rem; }

.pillar { display: flex; gap: 1rem; align-items: flex-start; }
.pillar-icon-wrap {
  width: 36px;
  height: 36px;
  background: linear-gradient(135deg, var(--gold-dark), var(--gold));
  border-radius: var(--r-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(201,168,76,.25);
}
.pillar strong { display: block; font-size: .9rem; color: var(--text); margin-bottom: .2rem; }
.pillar p { font-size: .875rem; margin: 0; }

/* KPI grid */
.kpi-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: .9rem;
}

.kpi-card {
  border-radius: var(--r-lg);
  padding: 1.5rem;
  transition: transform var(--t-mid) var(--spring), box-shadow var(--t-mid) var(--ease);
}
.kpi-card:hover { transform: translateY(-4px); box-shadow: var(--sh-lg); }

.kpi-gold  { background: linear-gradient(135deg, var(--navy) 0%, var(--blue-mid) 100%); }
.kpi-navy  { background: linear-gradient(135deg, #0f2a50, #0d2347); border: 1px solid rgba(255,255,255,.06); }
.kpi-dark  { background: linear-gradient(135deg, var(--gold-dark) 0%, var(--gold) 100%); }
.kpi-outline { background: var(--white); border: 1.5px solid var(--gray-200); }

.kpi-label {
  font-size: .68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  margin-bottom: .5rem;
}
.kpi-gold .kpi-label, .kpi-navy .kpi-label { color: rgba(255,255,255,.5); }
.kpi-dark .kpi-label { color: rgba(10,22,40,.7); }
.kpi-outline .kpi-label { color: var(--text-light); }

.kpi-value {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.6rem, 4vw, 2.2rem);
  font-weight: 700;
  line-height: 1;
  margin-bottom: .3rem;
}
.kpi-gold .kpi-value, .kpi-navy .kpi-value { color: var(--gold); }
.kpi-dark .kpi-value { color: var(--navy); }
.kpi-outline .kpi-value { color: var(--navy); }

.kpi-sub {
  font-size: .75rem;
  margin-bottom: .9rem;
}
.kpi-gold .kpi-sub, .kpi-navy .kpi-sub { color: rgba(255,255,255,.4); }
.kpi-dark .kpi-sub { color: rgba(10,22,40,.6); }
.kpi-outline .kpi-sub { color: var(--text-light); }

.kpi-bar { height: 3px; border-radius: 2px; background: rgba(255,255,255,.12); overflow: hidden; }
.kpi-outline .kpi-bar { background: var(--gray-100); }
.kpi-bar-fill {
  height: 100%;
  width: var(--pct, 0%);
  border-radius: 2px;
  transition: width 1.2s var(--ease);
}
.kpi-gold .kpi-bar-fill { background: var(--gold); }
.kpi-navy .kpi-bar-fill { background: var(--gold); }
.kpi-dark .kpi-bar-fill { background: rgba(10,22,40,.4); }
.kpi-outline .kpi-bar-fill { background: var(--navy); }

/* ═══════════════════════════════════════════════════════════
   COMPETITOR COMPARISON
   ═══════════════════════════════════════════════════════════ */
.compare-section {}

.compare-grid {
  display: grid;
  gap: 2.5rem;
}
@media (min-width: 900px) { .compare-grid { grid-template-columns: 1.2fr 1fr; gap: 4rem; align-items: start; } }

/* Animated horizontal bars */
.compare-bars {
  display: flex;
  flex-direction: column;
  gap: 1.1rem;
}

.compare-bar-row {}
.cbar-label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: .45rem;
}
.cbar-name {
  font-size: .875rem;
  color: var(--gray-400);
  display: flex;
  align-items: center;
  gap: .4rem;
  flex-wrap: wrap;
  line-height: 1.3;
}
.cbar-type {
  font-style: normal;
  font-size: .68rem;
  color: rgba(255,255,255,.25);
  font-weight: 400;
}
.compare-bar-hero .cbar-name {
  color: var(--gold);
  font-weight: 700;
}
.cbar-rate {
  font-family: 'Playfair Display', serif;
  font-size: 1rem;
  font-weight: 700;
  color: rgba(255,255,255,.5);
}
.cbar-rate-hero { color: var(--gold); font-size: 1.2rem; }

.cbar-track {
  height: 10px;
  background: rgba(255,255,255,.06);
  border-radius: 100px;
  overflow: visible;
  position: relative;
}
.compare-bar-hero .cbar-track { height: 14px; }

.cbar-fill {
  height: 100%;
  border-radius: 100px;
  width: var(--w, 0%);
  transition: width 1.4s var(--ease);
  position: relative;
}
.cbar-low  { background: rgba(255,255,255,.15); }
.cbar-mid  { background: rgba(138,155,176,.6); }
.cbar-gold {
  background: linear-gradient(90deg, var(--gold-dark), var(--gold), var(--gold-light));
  box-shadow: 0 2px 16px rgba(201,168,76,.35);
}
.cbar-badge {
  position: absolute;
  right: 0;
  top: -24px;
  font-size: .65rem;
  font-weight: 700;
  background: var(--gold);
  color: var(--navy);
  padding: .15rem .5rem;
  border-radius: 100px;
  white-space: nowrap;
  opacity: 0;
  transition: opacity .5s var(--ease) 1.2s;
}
.cbar-fill.animated .cbar-badge { opacity: 1; }

/* Comparison cards */
.compare-cards {
  display: flex;
  flex-direction: column;
  gap: .75rem;
}

.compare-card {
  display: flex;
  gap: 1rem;
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.07);
  border-radius: var(--r-md);
  padding: 1.1rem;
  transition: all var(--t-mid) var(--ease);
}
.compare-card:hover { background: rgba(255,255,255,.07); }
.compare-card-active {
  background: rgba(201,168,76,.08) !important;
  border-color: rgba(201,168,76,.25) !important;
}
.cc-icon {
  width: 36px;
  height: 36px;
  border-radius: var(--r-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  font-weight: 700;
  flex-shrink: 0;
}
.cc-icon-neg { background: rgba(220,53,69,.12); color: #f87171; }
.cc-icon-mid { background: rgba(138,155,176,.12); color: var(--gray-400); }
.cc-icon-pos { background: rgba(201,168,76,.15); color: var(--gold); }

.cc-body strong { display: block; font-size: .88rem; margin-bottom: .2rem; }
.compare-card-active .cc-body strong { color: var(--gold-light); }
.cc-body p { font-size: .82rem; margin: 0; }

.compare-card-explain {
  background: rgba(201,168,76,.05) !important;
  border-color: rgba(201,168,76,.12) !important;
  display: block !important;
}
.cc-explain-body strong {
  display: block;
  font-size: .85rem;
  color: var(--gold-light);
  margin-bottom: .4rem;
}
.cc-explain-body p { font-size: .8rem; line-height: 1.65; margin: 0; }

.compare-disclaimer {
  font-size: .7rem;
  color: rgba(255,255,255,.2);
  margin-top: .5rem;
  line-height: 1.5;
}

/* Volatility callout */
.volatility-callout {
  display: flex;
  gap: 1.25rem;
  align-items: flex-start;
  background: rgba(201,168,76,.05);
  border: 1px solid rgba(201,168,76,.18);
  border-left: 3px solid var(--gold);
  border-radius: var(--r-md);
  padding: 1.5rem;
  margin-bottom: 2.5rem;
}
.vcall-icon {
  width: 36px;
  height: 36px;
  flex-shrink: 0;
  color: var(--gold);
  margin-top: .1rem;
}
.vcall-body strong {
  display: block;
  color: var(--gold-light);
  font-size: .9rem;
  margin-bottom: .5rem;
}
.vcall-body p {
  font-size: .85rem;
  line-height: 1.7;
  margin-bottom: .5rem;
  color: rgba(255,255,255,.55);
}
.vcall-body p:last-child { margin-bottom: 0; }

/* ═══════════════════════════════════════════════════════════
   OPPORTUNITIES (TABBED)
   ═══════════════════════════════════════════════════════════ */
#opportunities { background: var(--off-white); }

.opp-tabs {
  display: flex;
  gap: .4rem;
  margin-bottom: 2rem;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
  padding-bottom: .25rem;
}
.opp-tabs::-webkit-scrollbar { display: none; }

.opp-tab {
  flex-shrink: 0;
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--r-sm);
  padding: .6rem 1.1rem;
  font-size: .82rem;
  font-weight: 600;
  color: var(--text-muted);
  cursor: pointer;
  transition: all var(--t-mid) var(--ease);
  white-space: nowrap;
  min-height: 44px;
  -webkit-tap-highlight-color: transparent;
}
.opp-tab:hover { border-color: var(--gold); color: var(--gold-dark); }
.opp-tab.active {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--gold);
}

.opp-panel { display: none; }
.opp-panel.active { display: block; animation: fadeIn .35s var(--ease); }
@keyframes fadeIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: translateY(0); } }

.opp-panel-inner {
  display: grid;
  gap: 2rem;
  background: var(--white);
  border-radius: var(--r-xl);
  padding: 2rem;
  box-shadow: var(--sh-md);
  border: 1px solid var(--gray-200);
}
@media (min-width: 768px) { .opp-panel-inner { grid-template-columns: 1fr 1fr; gap: 3rem; padding: 2.5rem; } }

.opp-panel-tag {
  font-size: .68rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: .5rem;
}
.opp-panel-text h3 { color: var(--text); margin-bottom: .75rem; }
.opp-panel-text > p { font-size: .9rem; margin-bottom: 1.25rem; }

.opp-features {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: .55rem;
  margin-bottom: 1.75rem;
}
.opp-features li {
  font-size: .875rem;
  color: var(--text-muted);
  display: flex;
  align-items: flex-start;
  gap: .6rem;
}
.opp-features li::before {
  content: '';
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
  margin-top: .5rem;
  flex-shrink: 0;
}

.opp-metrics {
  display: flex;
  gap: 1.5rem;
  padding-top: 1.25rem;
  border-top: 1.5px solid var(--gray-100);
  flex-wrap: wrap;
}
.opp-metric { display: flex; flex-direction: column; gap: .2rem; }
.om-val {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--navy);
}
.om-key { font-size: .68rem; text-transform: uppercase; letter-spacing: .09em; color: var(--text-light); }

/* Mini bar chart */
.opp-visual-card {
  background: var(--navy);
  border-radius: var(--r-lg);
  padding: 1.5rem;
  height: 100%;
  display: flex;
  flex-direction: column;
}
.opc-header {
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: rgba(255,255,255,.4);
  margin-bottom: 1.5rem;
}
.opc-chart {
  display: flex;
  align-items: flex-end;
  gap: .6rem;
  flex: 1;
  min-height: 120px;
}
.opc-bar-wrap { flex: 1; display: flex; flex-direction: column; align-items: center; justify-content: flex-end; height: 100%; }
.opc-bar {
  width: 100%;
  height: var(--h, 50%);
  background: rgba(255,255,255,.12);
  border-radius: var(--r-sm) var(--r-sm) 0 0;
  position: relative;
  transition: height .8s var(--ease);
  display: flex;
  align-items: flex-end;
  justify-content: center;
  padding-bottom: .3rem;
}
.opc-bar-peak { background: linear-gradient(180deg, var(--gold-light), var(--gold)); }
.opc-bar span {
  font-size: .6rem;
  color: rgba(255,255,255,.3);
  margin-top: .35rem;
  position: absolute;
  bottom: -1.2rem;
}
.opc-legend {
  font-size: .65rem;
  color: rgba(255,255,255,.2);
  text-align: center;
  margin-top: 2rem;
}

/* ═══════════════════════════════════════════════════════════
   ROI CALCULATOR
   ═══════════════════════════════════════════════════════════ */
.calc-section {}

.calc-grid {
  display: grid;
  gap: 2.5rem;
}
@media (min-width: 900px) { .calc-grid { grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; } }

/* Inputs */
.calc-inputs {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--r-xl);
  padding: 2rem;
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
  backdrop-filter: blur(8px);
}

.calc-field { display: flex; flex-direction: column; gap: .6rem; }
.calc-field-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.calc-field label {
  font-size: .82rem;
  font-weight: 600;
  color: rgba(255,255,255,.7);
}
.calc-field-val {
  font-family: 'Playfair Display', serif;
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--gold);
}

/* Range slider */
.calc-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 4px;
  border-radius: 100px;
  background: rgba(255,255,255,.12);
  outline: none;
  cursor: pointer;
}
.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--gold);
  cursor: pointer;
  border: 3px solid var(--navy);
  box-shadow: 0 0 0 2px var(--gold), 0 4px 12px rgba(201,168,76,.4);
  transition: transform var(--t-fast) var(--spring);
}
.calc-slider::-webkit-slider-thumb:hover { transform: scale(1.2); }
.calc-slider::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--gold);
  cursor: pointer;
  border: 3px solid var(--navy);
  box-shadow: 0 0 0 2px var(--gold);
}

.slider-ticks {
  display: flex;
  justify-content: space-between;
  font-size: .65rem;
  color: rgba(255,255,255,.25);
}

/* Scenario results */
.calc-scenarios {
  display: flex;
  flex-direction: column;
  gap: .55rem;
}
.calc-scenario {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: .75rem 1rem;
  border-radius: var(--r-sm);
  border: 1px solid rgba(255,255,255,.06);
  gap: 1rem;
}
.cs-name {
  font-size: .82rem;
  color: var(--gray-400);
  display: flex;
  align-items: center;
  gap: .5rem;
}
.cs-name em { font-style: normal; font-weight: 700; font-size: .75rem; }
.cs-val {
  font-family: 'Playfair Display', serif;
  font-size: 1.05rem;
  font-weight: 700;
  color: rgba(255,255,255,.6);
  white-space: nowrap;
}
.cs-low  { background: rgba(255,255,255,.02); }
.cs-mid  { background: rgba(138,155,176,.06); }
.cs-hero {
  background: rgba(201,168,76,.08);
  border-color: rgba(201,168,76,.2) !important;
}
.cs-hero .cs-name { color: var(--gold-light); font-weight: 600; }
.cs-hero .cs-val  { color: var(--gold); }
.cs-hero svg { flex-shrink: 0; fill: var(--gold); }

.calc-gain-line {
  display: flex;
  align-items: center;
  gap: .5rem;
  font-size: .8rem;
  color: rgba(255,255,255,.4);
  flex-wrap: wrap;
}
.gain-highlight {
  color: var(--gold);
  font-size: 1rem;
  font-family: 'Playfair Display', serif;
}

/* Calc bar chart */
.calc-visual {}
.calc-chart-wrap { position: relative; }
.calc-chart {
  display: flex;
  align-items: flex-end;
  gap: 1.5rem;
  height: 280px;
  padding: 1rem 0 0;
}
@media (min-width: 480px) { .calc-chart { height: 340px; } }

.ccb-group {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: .75rem;
  height: 100%;
}
.ccb-group-hero .ccb-label { color: var(--gold); font-weight: 700; }

.ccb-track {
  width: 100%;
  flex: 1;
  background: rgba(255,255,255,.06);
  border-radius: var(--r-sm) var(--r-sm) 0 0;
  display: flex;
  align-items: flex-end;
  overflow: hidden;
}
.ccb-fill {
  width: 100%;
  border-radius: var(--r-sm) var(--r-sm) 0 0;
  transition: height .9s var(--ease);
}
.ccb-savings { background: linear-gradient(180deg, rgba(255,255,255,.2), rgba(255,255,255,.08)); }
.ccb-sp500   { background: linear-gradient(180deg, rgba(138,155,176,.7), rgba(138,155,176,.3)); }
.ccb-investa { background: linear-gradient(180deg, var(--gold-light), var(--gold)); box-shadow: 0 -8px 32px rgba(201,168,76,.3); }

.ccb-label {
  font-size: .72rem;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: rgba(255,255,255,.4);
  text-align: center;
}
.calc-note { font-size: .68rem; color: rgba(255,255,255,.2); text-align: center; margin-top: 1rem; }

/* ═══════════════════════════════════════════════════════════
   WHY US
   ═══════════════════════════════════════════════════════════ */
#why-us { background: var(--white); }

.why-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1rem;
}
@media (min-width: 640px) { .why-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 960px) { .why-grid { grid-template-columns: repeat(3, 1fr); } }

.why-card {
  background: var(--off-white);
  border-radius: var(--r-lg);
  padding: 1.75rem;
  border: 1px solid var(--gray-200);
  transition: all var(--t-mid) var(--ease);
  position: relative;
  overflow: hidden;
}
.why-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(201,168,76,.04) 0%, transparent 60%);
  opacity: 0;
  transition: opacity var(--t-mid) var(--ease);
}
.why-card:hover { transform: translateY(-4px); box-shadow: var(--sh-md); border-color: rgba(201,168,76,.3); }
.why-card:hover::before { opacity: 1; }

.why-num {
  font-family: 'Playfair Display', serif;
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--gray-200);
  line-height: 1;
  margin-bottom: .75rem;
  display: block;
}
.why-icon {
  width: 40px;
  height: 40px;
  color: var(--gold-dark);
  margin-bottom: .9rem;
}
.why-card h3 { color: var(--text); font-size: 1rem; margin-bottom: .5rem; }
.why-card p  { font-size: .875rem; }

/* ═══════════════════════════════════════════════════════════
   TESTIMONIALS
   ═══════════════════════════════════════════════════════════ */
.testi-grid {
  display: grid;
  gap: 1.25rem;
}
@media (min-width: 768px) { .testi-grid { grid-template-columns: repeat(3, 1fr); } }

.testi-card {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--r-xl);
  padding: 2rem;
  display: flex;
  flex-direction: column;
  transition: all var(--t-mid) var(--ease);
}
.testi-card:hover { background: rgba(255,255,255,.07); transform: translateY(-3px); }

.testi-quote {
  font-family: 'Playfair Display', serif;
  font-size: 4rem;
  line-height: .8;
  color: var(--gold);
  opacity: .3;
  margin-bottom: .5rem;
}
.testi-card > p {
  font-style: italic;
  font-size: .9rem;
  line-height: 1.7;
  color: rgba(255,255,255,.7);
  flex: 1;
  margin-bottom: 1.5rem;
}
.testi-foot {
  display: flex;
  align-items: center;
  gap: .75rem;
}
.testi-avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold-dark), var(--gold));
  color: var(--navy);
  font-weight: 700;
  font-size: .8rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.testi-foot > div:nth-child(2) { flex: 1; }
.testi-foot strong { display: block; color: var(--white); font-size: .875rem; }
.testi-foot span   { font-size: .75rem; color: var(--gray-400); }
.testi-stars { color: var(--gold); font-size: .75rem; letter-spacing: .05em; flex-shrink: 0; }

/* ═══════════════════════════════════════════════════════════
   TEAM
   ═══════════════════════════════════════════════════════════ */
#team { background: var(--off-white); }

.team-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
@media (min-width: 768px) { .team-grid { grid-template-columns: repeat(4, 1fr); gap: 1.25rem; } }

.team-card {
  background: var(--white);
  border-radius: var(--r-lg);
  overflow: hidden;
  border: 1px solid var(--gray-200);
  box-shadow: var(--sh-sm);
  transition: all var(--t-mid) var(--spring);
}
.team-card:hover { transform: translateY(-6px); box-shadow: var(--sh-lg); }

.team-photo {
  height: 140px;
  background: linear-gradient(135deg, var(--g1, #1a3a5c), var(--g2, #0d2347));
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}
.team-photo::after {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at center, rgba(201,168,76,.05), transparent 70%);
}
@media (min-width: 768px) { .team-photo { height: 160px; } }

.team-initials {
  font-family: 'Playfair Display', serif;
  font-size: 2.2rem;
  font-weight: 700;
  color: rgba(201,168,76,.5);
  z-index: 1;
}
.team-info { padding: 1.1rem; }
.team-info h3 { font-size: .95rem; color: var(--text); margin-bottom: .15rem; }
.team-title {
  display: block;
  font-size: .7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .07em;
  color: var(--gold-dark);
  margin-bottom: .5rem;
}
.team-info p { font-size: .8rem; margin-bottom: .75rem; }
.team-badge {
  display: inline-block;
  font-size: .65rem;
  font-weight: 600;
  background: var(--navy);
  color: var(--gold-light);
  padding: .2rem .65rem;
  border-radius: 100px;
}

/* ═══════════════════════════════════════════════════════════
   FAQ
   ═══════════════════════════════════════════════════════════ */
.faq-section { background: var(--white); }

.faq-list {
  max-width: 760px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: .5rem;
}

.faq-item {
  border: 1.5px solid var(--gray-200);
  border-radius: var(--r-md);
  overflow: hidden;
  transition: border-color var(--t-mid) var(--ease);
}
.faq-item.open { border-color: var(--gold); }

.faq-q {
  width: 100%;
  background: none;
  border: none;
  padding: 1.1rem 1.25rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  cursor: pointer;
  text-align: left;
  font-size: .9rem;
  font-weight: 600;
  color: var(--text);
  font-family: 'Inter', sans-serif;
  min-height: 56px;
  -webkit-tap-highlight-color: transparent;
  transition: color var(--t-fast) var(--ease);
}
.faq-q:hover { color: var(--navy); }
.faq-item.open .faq-q { color: var(--navy); }

.faq-icon {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--gray-100);
  flex-shrink: 0;
  position: relative;
  transition: background var(--t-mid) var(--ease), transform var(--t-mid) var(--ease);
}
.faq-icon::before, .faq-icon::after {
  content: '';
  position: absolute;
  top: 50%; left: 50%;
  background: var(--text-muted);
  border-radius: 2px;
  transition: transform var(--t-mid) var(--ease), opacity var(--t-mid) var(--ease);
}
.faq-icon::before { width: 10px; height: 2px; transform: translate(-50%, -50%); }
.faq-icon::after  { width: 2px; height: 10px; transform: translate(-50%, -50%); }

.faq-item.open .faq-icon { background: var(--gold); transform: rotate(45deg); }
.faq-item.open .faq-icon::before,
.faq-item.open .faq-icon::after { background: var(--navy); }

.faq-a {
  padding: 0 1.25rem 1.1rem;
  display: none;
}
.faq-a[data-visible] { display: block; animation: fadeIn .25s var(--ease); }
.faq-a p { font-size: .875rem; }

/* ═══════════════════════════════════════════════════════════
   CONTACT / INVESTOR WIDGET
   ═══════════════════════════════════════════════════════════ */
.contact-section {
  background: linear-gradient(160deg, #060f1e 0%, var(--navy) 50%, #0d1f3c 100%);
}

.contact-grid {
  display: grid;
  gap: 3rem;
}
@media (min-width: 960px) {
  .contact-grid { grid-template-columns: 1fr 1.15fr; gap: 5rem; align-items: start; }
}

.contact-info .section-tag { margin-bottom: .9rem; }
.contact-info h2 { color: var(--white); margin-bottom: 1rem; }
.contact-info > p { color: var(--gray-400); margin-bottom: 1.75rem; }

.contact-package {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(201,168,76,.18);
  border-radius: var(--r-lg);
  padding: 1.5rem;
  margin-bottom: 1.75rem;
}
.contact-package h4 {
  display: flex;
  align-items: center;
  gap: .5rem;
  color: var(--gold-light);
  font-size: .78rem;
  text-transform: uppercase;
  letter-spacing: .1em;
  margin-bottom: 1rem;
}
.contact-package h4 svg { color: var(--gold); flex-shrink: 0; }
.contact-package ul { list-style: none; display: flex; flex-direction: column; gap: .6rem; }
.contact-package li { display: flex; align-items: center; gap: .7rem; font-size: .875rem; color: rgba(255,255,255,.75); }
.pkg-check { color: var(--gold); font-weight: 700; font-size: 1rem; flex-shrink: 0; }

.trust-row { display: flex; gap: .6rem; flex-wrap: wrap; }
.trust-badge {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 100px;
  padding: .3rem .8rem;
  font-size: .68rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: rgba(255,255,255,.45);
}
.trust-badge svg { color: rgba(255,255,255,.3); flex-shrink: 0; }

/* ── Form ──────────────────────────────────────────────────── */
.form-wrap {
  background: var(--white);
  border-radius: var(--r-2xl);
  padding: 2rem;
  box-shadow: var(--sh-xl), 0 0 0 1px rgba(255,255,255,.05);
}
@media (min-width: 480px) { .form-wrap { padding: 2.5rem; } }

form { display: flex; flex-direction: column; gap: 1.1rem; }

.form-row { display: grid; gap: 1rem; }
@media (min-width: 480px) { .form-row { grid-template-columns: 1fr 1fr; } }

.form-group { display: flex; flex-direction: column; gap: .4rem; }

.form-group label {
  font-size: .78rem;
  font-weight: 600;
  color: var(--text);
  letter-spacing: .01em;
}
.form-group label span[aria-hidden] { color: var(--error); }

.form-group input,
.form-group textarea {
  border: 1.5px solid var(--gray-200);
  border-radius: var(--r-sm);
  padding: .75rem 1rem;
  font-size: 1rem; /* prevent iOS zoom */
  color: var(--text);
  font-family: 'Inter', sans-serif;
  background: var(--white);
  outline: none;
  width: 100%;
  transition: border-color var(--t-mid) var(--ease), box-shadow var(--t-mid) var(--ease);
  -webkit-appearance: none;
  appearance: none;
}
.form-group input:focus,
.form-group textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,168,76,.15);
}
.form-group input.error  { border-color: var(--error); }
.form-group textarea { resize: vertical; min-height: 80px; }

.select-wrap { position: relative; }
.select-wrap select {
  border: 1.5px solid var(--gray-200);
  border-radius: var(--r-sm);
  padding: .75rem 2.4rem .75rem 1rem;
  font-size: 1rem;
  color: var(--text);
  font-family: 'Inter', sans-serif;
  background: var(--white);
  outline: none;
  width: 100%;
  cursor: pointer;
  -webkit-appearance: none;
  appearance: none;
  transition: border-color var(--t-mid) var(--ease), box-shadow var(--t-mid) var(--ease);
}
.select-wrap select:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,168,76,.15);
}
.select-wrap select.error { border-color: var(--error); }
.select-arrow {
  position: absolute;
  right: .85rem;
  top: 50%;
  transform: translateY(-50%);
  pointer-events: none;
  color: var(--text-light);
}

.field-error { font-size: .73rem; color: var(--error); font-weight: 500; min-height: 1em; }

/* Investment tier fieldset */
.tier-fieldset {
  border: none;
  padding: 0;
}
.tier-fieldset legend {
  font-size: .78rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: .65rem;
  display: flex;
  flex-direction: column;
  gap: .2rem;
  width: 100%;
}
.legend-hint { font-size: .72rem; color: var(--text-muted); font-weight: 400; }

.tier-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: .5rem;
}
@media (min-width: 480px) { .tier-grid { grid-template-columns: repeat(3, 1fr); } }

.tier-radio { position: absolute; opacity: 0; pointer-events: none; }

.tier-label {
  cursor: pointer;
  -webkit-tap-highlight-color: transparent;
}
.tier-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: .2rem;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--r-md);
  padding: .7rem .5rem;
  background: var(--off-white);
  text-align: center;
  transition: all var(--t-mid) var(--ease);
  min-height: 56px;
  justify-content: center;
}
.tier-label:hover .tier-card { border-color: var(--gold); background: rgba(201,168,76,.05); }
.tier-radio:checked + .tier-card {
  background: var(--navy);
  border-color: var(--navy);
  box-shadow: 0 4px 16px rgba(10,22,40,.25);
}

.tier-range {
  font-size: .78rem;
  font-weight: 700;
  color: var(--text);
  display: block;
  line-height: 1.2;
}
.tier-name {
  font-size: .62rem;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--text-light);
  display: block;
}
.tier-radio:checked + .tier-card .tier-range { color: var(--gold); }
.tier-radio:checked + .tier-card .tier-name  { color: rgba(255,255,255,.4); }

/* Checkboxes */
.form-checks { display: flex; flex-direction: column; gap: .75rem; }

.check-label {
  display: flex;
  align-items: flex-start;
  gap: .65rem;
  cursor: pointer;
  font-size: .82rem;
  color: var(--text-muted);
  user-select: none;
  -webkit-tap-highlight-color: transparent;
  line-height: 1.5;
}
.check-label input[type="checkbox"] { display: none; }
.checkmark {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--r-sm);
  background: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: .1rem;
  transition: all var(--t-mid) var(--ease);
}
.check-label input:checked + .checkmark {
  background: var(--navy);
  border-color: var(--navy);
}
.check-label input:checked + .checkmark::after {
  content: '';
  width: 5px;
  height: 9px;
  border: 2px solid var(--gold);
  border-top: none;
  border-left: none;
  transform: rotate(45deg);
  margin-top: -2px;
}
.form-link { color: var(--gold-dark); text-decoration: underline; text-underline-offset: 2px; }

/* Submit */
.btn-submit {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: .65rem;
  background: linear-gradient(135deg, var(--navy) 0%, var(--blue-mid) 100%);
  color: var(--white);
  border: none;
  border-radius: var(--r-md);
  padding: 1.05rem 2rem;
  font-size: 1rem;
  font-weight: 700;
  font-family: 'Inter', sans-serif;
  cursor: pointer;
  width: 100%;
  transition: all var(--t-mid) var(--ease);
  min-height: 52px;
  -webkit-tap-highlight-color: transparent;
  letter-spacing: .01em;
}
.btn-submit:hover:not(:disabled) { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(10,22,40,.4); }
.btn-submit:active:not(:disabled) { transform: translateY(0); }
.btn-submit:disabled { opacity: .6; cursor: not-allowed; }

.btn-spinner {
  width: 18px;
  height: 18px;
  border: 2px solid rgba(255,255,255,.25);
  border-top-color: var(--gold);
  border-radius: 50%;
  animation: spin .7s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* Success state */
.form-success { text-align: center; padding: .5rem; }
.success-ring {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold-dark), var(--gold));
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem;
  box-shadow: 0 8px 32px rgba(201,168,76,.35);
  animation: ringPop .5s var(--spring);
}
@keyframes ringPop { from { transform: scale(0); } to { transform: scale(1); } }
.success-check { font-size: 2rem; color: var(--navy); font-weight: 700; }
.form-success h3 { color: var(--text); margin-bottom: .75rem; }
.form-success > p { color: var(--text-muted); font-size: .9rem; margin-bottom: 1.25rem; text-align: left; }
.success-steps {
  background: var(--off-white);
  border-radius: var(--r-md);
  padding: 1.25rem 1.25rem 1.25rem 2rem;
  margin-bottom: 1.25rem;
  text-align: left;
  display: flex;
  flex-direction: column;
  gap: .5rem;
}
.success-steps li { font-size: .875rem; color: var(--text-muted); }
.success-contact { font-size: .82rem !important; color: var(--text-light) !important; text-align: left !important; }
.success-contact a { color: var(--gold-dark); text-decoration: underline; }

/* ═══════════════════════════════════════════════════════════
   FOOTER
   ═══════════════════════════════════════════════════════════ */
#footer {
  background: #05090f;
  color: rgba(255,255,255,.45);
  padding: 4rem 0 0;
}

.footer-top {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem 1.5rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,.06);
}
@media (min-width: 768px) { .footer-top { grid-template-columns: 1.8fr 1fr 1fr 1.4fr; } }

.footer-logo { font-size: 1.65rem; }
.footer-brand > p {
  font-size: .875rem;
  margin: 1rem 0 1.5rem;
  color: rgba(255,255,255,.35);
  line-height: 1.6;
}

.footer-social { display: flex; gap: .6rem; }
.social-btn {
  width: 36px;
  height: 36px;
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--r-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,.4);
  transition: all var(--t-mid) var(--ease);
  -webkit-tap-highlight-color: transparent;
  min-width: 36px;
  min-height: 36px;
}
.social-btn:hover {
  background: rgba(201,168,76,.1);
  border-color: rgba(201,168,76,.3);
  color: var(--gold);
}

.footer-col h4 {
  color: var(--white);
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .12em;
  margin-bottom: 1.1rem;
}
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: .55rem; }
.footer-col a { font-size: .85rem; color: rgba(255,255,255,.4); transition: color var(--t-fast); }
.footer-col a:hover { color: var(--gold); }

address { font-style: normal; }
.footer-contact-col p { font-size: .85rem; color: rgba(255,255,255,.4); margin-bottom: .4rem; line-height: 1.5; }
.footer-contact-col a { color: rgba(255,255,255,.4); transition: color var(--t-fast); }
.footer-contact-col a:hover { color: var(--gold); }

.footer-bottom {
  padding: 1.5rem 0 calc(1.5rem + env(safe-area-inset-bottom));
  display: flex;
  flex-direction: column;
  gap: .75rem;
}
.footer-bottom > p:first-child { font-size: .8rem; }
.disclaimer { font-size: .68rem; line-height: 1.65; color: rgba(255,255,255,.18) !important; }

/* ═══════════════════════════════════════════════════════════
   STICKY CTA
   ═══════════════════════════════════════════════════════════ */
.sticky-cta {
  position: fixed;
  bottom: 1rem;
  left: 1rem;
  right: 1rem;
  z-index: 900;
  animation: slideUp .4s var(--spring);
}
@media (min-width: 640px) {
  .sticky-cta { left: auto; right: 1.5rem; bottom: 1.5rem; width: auto; }
}
@keyframes slideUp { from { opacity: 0; transform: translateY(24px); } to { opacity: 1; transform: translateY(0); } }

.sticky-inner {
  background: rgba(10,22,40,.96);
  border: 1px solid rgba(201,168,76,.2);
  border-radius: var(--r-lg);
  padding: .85rem 1.1rem;
  display: flex;
  align-items: center;
  gap: .9rem;
  box-shadow: var(--sh-xl);
  backdrop-filter: blur(16px);
}
.sticky-text {
  display: flex;
  flex-direction: column;
  flex: 1;
}
.sticky-rate {
  font-family: 'Playfair Display', serif;
  font-size: 1rem;
  color: var(--gold);
  font-weight: 700;
  line-height: 1;
}
.sticky-text > span:last-child { font-size: .75rem; color: rgba(255,255,255,.5); }
.sticky-btn {
  background: var(--gold);
  color: var(--navy);
  font-size: .8rem;
  font-weight: 700;
  padding: .55rem 1.1rem;
  border-radius: var(--r-sm);
  white-space: nowrap;
  transition: background var(--t-fast) var(--ease);
  min-height: 36px;
  display: flex;
  align-items: center;
  -webkit-tap-highlight-color: transparent;
}
.sticky-btn:hover { background: var(--gold-light); }
.sticky-close {
  background: none;
  border: none;
  color: rgba(255,255,255,.3);
  font-size: 1.4rem;
  cursor: pointer;
  padding: .1rem .2rem;
  line-height: 1;
  transition: color var(--t-fast);
  min-width: 32px;
  min-height: 32px;
  display: flex;
  align-items: center;
  justify-content: center;
  -webkit-tap-highlight-color: transparent;
}
.sticky-close:hover { color: var(--white); }

/* ═══════════════════════════════════════════════════════════
   ACCESSIBILITY
   ═══════════════════════════════════════════════════════════ */
:focus-visible {
  outline: 2.5px solid var(--gold);
  outline-offset: 3px;
  border-radius: 2px;
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}