/* ==========================================================================
   Keystone Capital Group — Design System
   Navy + Gold / Premium Institutional
   ========================================================================== */

/* ---------- 1. Tokens ---------- */
:root {
  /* Brand */
  --navy-950: #060D18;
  --navy-900: #0A1628;
  --navy-850: #0D1D33;
  --navy-800: #12253F;
  --navy-700: #1A3454;
  --navy-600: #24466E;
  --navy-500: #345C8A;

  --gold-700: #8A6D14;
  --gold-600: #A8861B;
  --gold-500: #C9A227;
  --gold-400: #D9BC5A;
  --gold-300: #E8D497;
  --gold-100: #F6EFD8;

  /* Neutrals */
  --ink: #101828;
  --slate-800: #1D2939;
  --slate-600: #475467;
  --slate-500: #667085;
  --slate-400: #98A2B3;
  --line: #E4E7EC;
  --line-soft: #F0F1F4;
  --paper: #FFFFFF;
  --sand: #FBF9F5;
  --sand-deep: #F4F0E8;

  /* Semantic */
  --success: #157F5B;
  --success-bg: #E7F5EF;
  --danger: #B42318;
  --danger-bg: #FEF3F2;

  /* Type */
  --font-display: "Fraunces", "Playfair Display", Georgia, "Times New Roman", serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;

  /* Space */
  --sp-1: 0.25rem;  --sp-2: 0.5rem;   --sp-3: 0.75rem;  --sp-4: 1rem;
  --sp-5: 1.5rem;   --sp-6: 2rem;     --sp-7: 2.5rem;   --sp-8: 3rem;
  --sp-9: 4rem;     --sp-10: 5rem;    --sp-11: 6.5rem;  --sp-12: 8rem;

  /* Radii */
  --r-sm: 6px; --r-md: 10px; --r-lg: 16px; --r-xl: 24px; --r-pill: 999px;

  /* Shadow */
  --sh-xs: 0 1px 2px rgba(16,24,40,.06);
  --sh-sm: 0 2px 8px rgba(16,24,40,.07);
  --sh-md: 0 8px 24px rgba(16,24,40,.09);
  --sh-lg: 0 20px 48px rgba(10,22,40,.14);
  --sh-xl: 0 36px 80px rgba(10,22,40,.20);
  --sh-gold: 0 10px 30px rgba(201,162,39,.28);

  /* Layout */
  --wrap: 1200px;
  --wrap-narrow: 880px;
  --header-h: 76px;

  --ease: cubic-bezier(.22,.68,.35,1);
}

/* ---------- 2. Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 20px);
  max-width: 100%;
  overflow-x: hidden;
}
body {
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--slate-600);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}
img, svg, video { display: block; max-width: 100%; height: auto; }
button, input, select, textarea { font: inherit; color: inherit; }
button { cursor: pointer; background: none; border: 0; }
a { color: var(--navy-600); text-decoration: none; transition: color .2s var(--ease); }
a:hover { color: var(--gold-600); }
ul, ol { padding-left: 1.15em; }
table { border-collapse: collapse; width: 100%; }
:focus-visible { outline: 3px solid var(--gold-400); outline-offset: 2px; border-radius: 3px; }

/* ---------- 3. Typography ---------- */
h1, h2, h3, h4, h5 {
  font-family: var(--font-display);
  color: var(--navy-900);
  line-height: 1.15;
  font-weight: 600;
  letter-spacing: -0.015em;
  text-wrap: balance;
}
h1 { font-size: clamp(2.25rem, 5.2vw, 4rem); letter-spacing: -0.03em; }
h2 { font-size: clamp(1.85rem, 3.6vw, 2.85rem); letter-spacing: -0.022em; }
h3 { font-size: clamp(1.3rem, 2.1vw, 1.65rem); }
h4 { font-size: 1.1875rem; }
h5 { font-size: 1.0625rem; }
p { text-wrap: pretty; }
p + p { margin-top: 1em; }

.eyebrow {
  display: inline-flex; align-items: center; gap: .55rem;
  font-family: var(--font-body);
  font-size: .78rem; font-weight: 700;
  letter-spacing: .16em; text-transform: uppercase;
  color: var(--gold-600);
  margin-bottom: var(--sp-4);
}
.eyebrow::before {
  content: ""; width: 28px; height: 2px;
  background: linear-gradient(90deg, var(--gold-500), var(--gold-300));
  border-radius: 2px;
}
.eyebrow--center { justify-content: center; }
.lede { font-size: clamp(1.0625rem, 1.7vw, 1.25rem); line-height: 1.6; color: var(--slate-600); }
.muted { color: var(--slate-500); }
.small { font-size: .875rem; }
.tiny { font-size: .8125rem; line-height: 1.55; }
.serif-accent { font-family: var(--font-display); font-style: italic; color: var(--gold-600); }

/* ---------- 4. Layout ---------- */
.wrap { width: min(100% - 2.5rem, var(--wrap)); margin-inline: auto; }
.wrap-narrow { width: min(100% - 2.5rem, var(--wrap-narrow)); margin-inline: auto; }
.section { padding-block: clamp(3.5rem, 8vw, 7rem); }
.section--tight { padding-block: clamp(2.5rem, 5vw, 4.5rem); }
.section--sand { background: var(--sand); }
.section--sand-deep { background: var(--sand-deep); }
.section--navy { background: var(--navy-900); color: rgba(255,255,255,.76); }
.section--navy h1, .section--navy h2, .section--navy h3, .section--navy h4 { color: #fff; }
.section--navy .lede { color: rgba(255,255,255,.74); }
.section--line-top { border-top: 1px solid var(--line); }

.head { max-width: 720px; margin-bottom: var(--sp-8); }
.head--center { margin-inline: auto; text-align: center; }
.head h2 + .lede, .head h1 + .lede { margin-top: var(--sp-4); }

.grid { display: grid; gap: var(--sp-5); }
.g-2 { grid-template-columns: repeat(2, 1fr); }
.g-3 { grid-template-columns: repeat(3, 1fr); }
.g-4 { grid-template-columns: repeat(4, 1fr); }
.split { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
.split--wide-right { grid-template-columns: .9fr 1.1fr; }
.stack > * + * { margin-top: var(--sp-4); }
.center { text-align: center; }
.mt-5 { margin-top: var(--sp-5); }
.mt-6 { margin-top: var(--sp-6); }
.mt-8 { margin-top: var(--sp-8); }

@media (max-width: 980px) {
  .g-4 { grid-template-columns: repeat(2, 1fr); }
  .g-3 { grid-template-columns: repeat(2, 1fr); }
  .split, .split--wide-right { grid-template-columns: 1fr; gap: var(--sp-7); }
}
@media (max-width: 620px) {
  .g-2, .g-3, .g-4 { grid-template-columns: 1fr; }
  .wrap, .wrap-narrow { width: min(100% - 2rem, var(--wrap)); }
}

/* ---------- 5. Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55rem;
  font-family: var(--font-body);
  font-weight: 650; font-size: .9688rem; line-height: 1;
  padding: 1.0625rem 1.85rem;
  border-radius: var(--r-pill);
  border: 1.5px solid transparent;
  transition: transform .22s var(--ease), box-shadow .22s var(--ease),
              background-color .22s var(--ease), color .22s var(--ease), border-color .22s var(--ease);
  text-align: center; white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn svg { width: 17px; height: 17px; flex: none; }

.btn--gold {
  background: linear-gradient(135deg, var(--gold-500) 0%, var(--gold-400) 100%);
  color: var(--navy-950); box-shadow: var(--sh-gold);
}
.btn--gold:hover { color: var(--navy-950); box-shadow: 0 16px 40px rgba(201,162,39,.4); }

.btn--navy { background: var(--navy-900); color: #fff; box-shadow: var(--sh-md); }
.btn--navy:hover { background: var(--navy-800); color: #fff; box-shadow: var(--sh-lg); }

.btn--ghost { border-color: var(--line); color: var(--navy-900); background: var(--paper); }
.btn--ghost:hover { border-color: var(--navy-900); color: var(--navy-900); box-shadow: var(--sh-sm); }

.btn--ghost-light { border-color: rgba(255,255,255,.32); color: #fff; }
.btn--ghost-light:hover { border-color: var(--gold-400); color: var(--gold-300); background: rgba(255,255,255,.05); }

.btn--sm { padding: .75rem 1.35rem; font-size: .875rem; }
.btn--lg { padding: 1.1875rem 2.35rem; font-size: 1.0625rem; }
.btn--block { display: flex; width: 100%; }

.btn-row { display: flex; flex-wrap: wrap; gap: var(--sp-3); }
.btn-row--center { justify-content: center; }

.link-arrow {
  display: inline-flex; align-items: center; gap: .45rem;
  font-weight: 650; font-size: .9375rem; color: var(--navy-700);
}
.link-arrow::after { content: "→"; transition: transform .22s var(--ease); }
.link-arrow:hover { color: var(--gold-600); }
.link-arrow:hover::after { transform: translateX(4px); }

/* ---------- 6. Header ---------- */
.header {
  position: sticky; top: 0; z-index: 100;
  height: var(--header-h);
  background: rgba(255,255,255,.88);
  backdrop-filter: saturate(180%) blur(16px);
  -webkit-backdrop-filter: saturate(180%) blur(16px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow .25s var(--ease), background-color .25s var(--ease);
}
.header.is-scrolled { box-shadow: var(--sh-sm); background: rgba(255,255,255,.96); }
.header__inner { height: 100%; display: flex; align-items: center; gap: var(--sp-6); }

.logo { display: flex; align-items: center; gap: .7rem; flex: none; }
.logo__mark { width: 38px; height: 38px; flex: none; }
.logo__text { display: flex; flex-direction: column; line-height: 1.05; }
.logo__name {
  font-family: var(--font-display); font-weight: 700; font-size: 1rem;
  color: var(--navy-900); letter-spacing: -.02em;
}
.logo__sub {
  font-size: .5938rem; font-weight: 700; letter-spacing: .19em;
  text-transform: uppercase; color: var(--gold-600); margin-top: 2px;
}

.nav { margin-left: auto; display: flex; align-items: center; gap: var(--sp-2); }
.nav__link {
  display: inline-flex; align-items: center; gap: .3rem;
  padding: .55rem .75rem; border-radius: var(--r-sm);
  font-size: .9375rem; font-weight: 550; color: var(--slate-800);
}
.nav__link:hover, .nav__link[aria-expanded="true"] { color: var(--navy-900); background: var(--sand-deep); }
.nav__link.is-active { color: var(--gold-700); }
.nav__caret { width: 10px; height: 10px; transition: transform .2s var(--ease); }
.nav__link[aria-expanded="true"] .nav__caret { transform: rotate(180deg); }
.nav__cta { margin-left: var(--sp-3); }

.has-drop { position: relative; }
.drop {
  position: absolute; top: calc(100% + 12px); left: 50%; transform: translateX(-50%) translateY(-8px);
  width: min(94vw, 720px);
  background: var(--paper); border: 1px solid var(--line);
  border-radius: var(--r-lg); box-shadow: var(--sh-lg);
  padding: var(--sp-5);
  display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-2) var(--sp-5);
  opacity: 0; visibility: hidden; pointer-events: none;
  transition: opacity .2s var(--ease), transform .2s var(--ease), visibility .2s;
}
.drop.is-open { opacity: 1; visibility: visible; pointer-events: auto; transform: translateX(-50%) translateY(0); }
.drop__item { display: block; padding: .7rem .8rem; border-radius: var(--r-md); transition: background-color .18s var(--ease); }
.drop__item:hover { background: var(--sand); }
.drop__title { font-weight: 650; font-size: .9375rem; color: var(--navy-900); }
.drop__desc { font-size: .8125rem; color: var(--slate-500); margin-top: 2px; line-height: 1.45; }
.drop__foot {
  grid-column: 1 / -1; margin-top: var(--sp-3); padding-top: var(--sp-4);
  border-top: 1px solid var(--line-soft);
}

.burger {
  display: none; margin-left: auto;
  width: 44px; height: 44px; border-radius: var(--r-sm);
  align-items: center; justify-content: center;
}
.burger span {
  display: block; width: 22px; height: 2px; background: var(--navy-900);
  border-radius: 2px; position: relative; transition: background-color .2s var(--ease);
}
.burger span::before, .burger span::after {
  content: ""; position: absolute; left: 0; width: 22px; height: 2px;
  background: var(--navy-900); border-radius: 2px; transition: transform .25s var(--ease), top .2s var(--ease);
}
.burger span::before { top: -7px; }
.burger span::after  { top: 7px; }
.burger[aria-expanded="true"] span { background: transparent; }
.burger[aria-expanded="true"] span::before { top: 0; transform: rotate(45deg); }
.burger[aria-expanded="true"] span::after  { top: 0; transform: rotate(-45deg); }

.mobile-nav {
  position: fixed; inset: var(--header-h) 0 0 0; z-index: 99;
  background: var(--paper); padding: var(--sp-5) 0 var(--sp-9);
  overflow-y: auto; transform: translateY(-8px); opacity: 0;
  visibility: hidden; pointer-events: none;
  transition: opacity .25s var(--ease), transform .25s var(--ease), visibility .25s;
}
.mobile-nav.is-open { opacity: 1; visibility: visible; pointer-events: auto; transform: translateY(0); }
.mobile-nav__link {
  width: 100%; text-align: left; font-family: inherit;
  display: flex; align-items: center; justify-content: space-between;
  padding: 1rem .25rem; font-size: 1.0625rem; font-weight: 600;
  color: var(--navy-900); border-bottom: 1px solid var(--line-soft);
}
.mobile-nav__sub { padding: .25rem 0 .75rem; display: none; }
.mobile-nav__sub.is-open { display: block; }
.mobile-nav__sub a {
  display: block; padding: .6rem .25rem .6rem 1rem;
  font-size: .9375rem; color: var(--slate-600);
  border-left: 2px solid var(--line);
}
.mobile-nav__sub a:hover { color: var(--gold-600); border-left-color: var(--gold-400); }
.mobile-nav__cta { margin-top: var(--sp-6); display: grid; gap: var(--sp-3); }

@media (max-width: 1080px) {
  .nav { display: none; }
  .burger { display: flex; }
}

@media (max-width: 430px) {
  .header__inner { gap: var(--sp-3); }
  .logo { min-width: 0; flex: 1 1 auto; }
  .logo__text { min-width: 0; }
  .logo__name {
    font-size: .95rem; white-space: nowrap; overflow: hidden; text-overflow: ellipsis;
  }
  .logo__sub { display: none; }
  .burger { flex: none; margin-left: var(--sp-2); }
}

/* ---------- 7. Hero ---------- */
.hero {
  position: relative; overflow: hidden;
  background: var(--navy-900); color: rgba(255,255,255,.8);
  padding-block: clamp(4rem, 9vw, 7.5rem);
  isolation: isolate;
}
.hero__bg { position: absolute; inset: 0; z-index: -2; }
.hero__bg img, .hero__bg svg { width: 100%; height: 100%; object-fit: cover; }
.hero::after {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background:
    radial-gradient(70% 90% at 82% 20%, rgba(201,162,39,.16), transparent 62%),
    linear-gradient(100deg, rgba(6,13,24,.94) 0%, rgba(10,22,40,.86) 46%, rgba(10,22,40,.55) 100%);
}
.hero h1 { color: #fff; }
.hero .lede { color: rgba(255,255,255,.78); max-width: 34em; }
.hero__inner { max-width: 720px; }
.hero__badge {
  display: inline-flex; align-items: center; gap: .5rem;
  padding: .45rem 1rem .45rem .55rem; border-radius: var(--r-pill);
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.16);
  font-size: .8125rem; font-weight: 550; color: rgba(255,255,255,.86);
  margin-bottom: var(--sp-5); backdrop-filter: blur(8px);
}
.hero__badge b { color: var(--gold-300); font-weight: 700; }
.hero__badge-dot {
  width: 22px; height: 22px; border-radius: 50%; flex: none;
  background: linear-gradient(135deg, var(--gold-500), var(--gold-300));
  display: grid; place-items: center; color: var(--navy-950); font-size: 11px; font-weight: 800;
}
.hero__stats {
  display: flex; flex-wrap: wrap; gap: var(--sp-6) var(--sp-8);
  margin-top: var(--sp-8); padding-top: var(--sp-6);
  border-top: 1px solid rgba(255,255,255,.14);
}
.hero__stat b {
  display: block; font-family: var(--font-display); font-size: clamp(1.6rem, 3vw, 2.15rem);
  font-weight: 600; color: var(--gold-400); letter-spacing: -.02em; line-height: 1.1;
}
.hero__stat span { font-size: .8438rem; color: rgba(255,255,255,.62); letter-spacing: .02em; }

/* Page hero (interior) */
.phero {
  position: relative; overflow: hidden; isolation: isolate;
  background: var(--navy-900); color: rgba(255,255,255,.78);
  padding-block: clamp(3rem, 6.5vw, 5.5rem);
}
.phero__bg { position: absolute; inset: 0; z-index: -2; }
.phero__bg img, .phero__bg svg { width: 100%; height: 100%; object-fit: cover; }
.phero::after {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background:
    radial-gradient(60% 80% at 88% 28%, rgba(201,162,39,.15), transparent 60%),
    linear-gradient(100deg, rgba(6,13,24,.95) 0%, rgba(10,22,40,.84) 55%, rgba(10,22,40,.62) 100%);
}
.phero h1 { color: #fff; }
.phero .lede { color: rgba(255,255,255,.76); max-width: 44em; }
.phero__inner { max-width: 780px; }

/* Breadcrumbs */
.crumbs { font-size: .8125rem; margin-bottom: var(--sp-4); color: rgba(255,255,255,.5); }
.crumbs ol { list-style: none; padding: 0; display: flex; flex-wrap: wrap; gap: .4rem; }
.crumbs li:not(:last-child)::after { content: "/"; margin-left: .4rem; opacity: .45; }
.crumbs a { color: rgba(255,255,255,.72); }
.crumbs a:hover { color: var(--gold-300); }
.crumbs [aria-current] { color: var(--gold-300); }

/* ---------- 8. Trust bar ---------- */
.trustbar { background: var(--navy-950); padding-block: var(--sp-5); }
.trustbar__inner {
  display: grid; grid-template-columns: repeat(5, auto);
  justify-content: space-between; align-items: center; gap: var(--sp-4) var(--sp-5);
}
@media (max-width: 1180px) { .trustbar__inner { grid-template-columns: repeat(3, auto); justify-content: center; gap: var(--sp-4) var(--sp-7); } }
@media (max-width: 700px)  { .trustbar__inner { grid-template-columns: 1fr 1fr; justify-content: stretch; } }
@media (max-width: 460px)  { .trustbar__inner { grid-template-columns: 1fr; } }
.trustbar__item {
  display: flex; align-items: center; gap: .6rem;
  font-size: .875rem; font-weight: 550; color: rgba(255,255,255,.72);
}
.trustbar__item svg { width: 19px; height: 19px; color: var(--gold-400); flex: none; }

/* ---------- 9. Cards ---------- */
.card {
  background: var(--paper); border: 1px solid var(--line);
  border-radius: var(--r-lg); padding: var(--sp-6);
  transition: transform .28s var(--ease), box-shadow .28s var(--ease), border-color .28s var(--ease);
  position: relative; overflow: hidden;
}
.card--link:hover { transform: translateY(-4px); box-shadow: var(--sh-lg); border-color: var(--gold-300); }
.card h3, .card h4 { margin-bottom: var(--sp-3); }
.card p { font-size: .9375rem; }
.card__icon {
  width: 52px; height: 52px; border-radius: var(--r-md);
  display: grid; place-items: center; margin-bottom: var(--sp-5);
  background: linear-gradient(140deg, var(--navy-800), var(--navy-600));
  color: var(--gold-400); box-shadow: var(--sh-sm);
}
.card__icon svg { width: 25px; height: 25px; }
.card__icon--gold {
  background: linear-gradient(140deg, var(--gold-100), var(--gold-300));
  color: var(--navy-900);
}
.card__foot { margin-top: var(--sp-5); }

/* Category card with art */
.catcard {
  display: flex; flex-direction: column;
  border: 1px solid var(--line); border-radius: var(--r-lg);
  overflow: hidden; background: var(--paper);
  transition: transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s var(--ease);
}
.catcard:hover { transform: translateY(-5px); box-shadow: var(--sh-lg); border-color: var(--gold-300); }
.catcard__art { position: relative; aspect-ratio: 16 / 10; overflow: hidden; background: var(--navy-800); }
.catcard__art img, .catcard__art svg { width: 100%; height: 100%; object-fit: cover; transition: transform .5s var(--ease); }
.catcard:hover .catcard__art img, .catcard:hover .catcard__art svg { transform: scale(1.045); }
.catcard__tag {
  position: absolute; left: var(--sp-4); top: var(--sp-4);
  padding: .3rem .7rem; border-radius: var(--r-pill);
  background: rgba(6,13,24,.72); backdrop-filter: blur(6px);
  color: var(--gold-300); font-size: .6875rem; font-weight: 700;
  letter-spacing: .1em; text-transform: uppercase;
}
.catcard__body { padding: var(--sp-5) var(--sp-5) var(--sp-6); display: flex; flex-direction: column; flex: 1; }
.catcard__body h3 { font-size: 1.375rem; margin-bottom: var(--sp-3); }
.catcard__body p { font-size: .9375rem; margin-bottom: var(--sp-4); }
.catcard__list { list-style: none; padding: 0; margin: 0 0 var(--sp-5); font-size: .875rem; }
.catcard__list li { padding: .3rem 0 .3rem 1.35rem; position: relative; color: var(--slate-600); }
.catcard__list li::before {
  content: ""; position: absolute; left: 0; top: .78em;
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--gold-500);
}
.catcard__body .link-arrow { margin-top: auto; }

/* Stat card */
.stat {
  padding: var(--sp-6); border-radius: var(--r-lg);
  background: var(--paper); border: 1px solid var(--line); text-align: center;
}
.stat b {
  display: block; font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 2.75rem); font-weight: 600;
  color: var(--navy-900); letter-spacing: -.03em; line-height: 1;
}
.stat span { display: block; margin-top: var(--sp-3); font-size: .875rem; color: var(--slate-500); }
.section--navy .stat { background: rgba(255,255,255,.045); border-color: rgba(255,255,255,.12); }
.section--navy .stat b { color: var(--gold-400); }
.section--navy .stat span { color: rgba(255,255,255,.6); }

/* Step */
.steps { counter-reset: step; }
.step { position: relative; padding-left: 4.25rem; }
.step::before {
  counter-increment: step; content: counter(step, decimal-leading-zero);
  position: absolute; left: 0; top: -2px;
  font-family: var(--font-display); font-size: 1.5rem; font-weight: 600;
  color: var(--gold-500); width: 3rem;
}
.step::after {
  content: ""; position: absolute; left: 1.35rem; top: 2.6rem; bottom: -1.5rem;
  width: 1px; background: linear-gradient(var(--line), transparent);
}
.step:last-child::after { display: none; }
.step h4 { margin-bottom: var(--sp-2); }
.step p { font-size: .9375rem; }
.section--navy .step::after { background: linear-gradient(rgba(255,255,255,.2), transparent); }
@media (min-width: 981px) {
  .steps--row { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--sp-6); }
  .steps--row .step { padding-left: 0; padding-top: 3.25rem; }
  .steps--row .step::before { top: 0; }
  .steps--row .step::after { left: 3.5rem; right: -1.5rem; top: 1rem; bottom: auto; width: auto; height: 1px;
    background: linear-gradient(90deg, var(--line), transparent); }
}

/* Testimonial */
.quote {
  background: var(--paper); border: 1px solid var(--line);
  border-radius: var(--r-lg); padding: var(--sp-6);
  display: flex; flex-direction: column; gap: var(--sp-5);
}
.quote__mark { font-family: var(--font-display); font-size: 3rem; line-height: .6; color: var(--gold-300); }
.quote blockquote { font-size: 1.0625rem; color: var(--slate-800); line-height: 1.6; }
.quote__by { display: flex; align-items: center; gap: .85rem; margin-top: auto; }
.quote__avatar {
  width: 44px; height: 44px; border-radius: 50%; flex: none;
  display: grid; place-items: center;
  background: linear-gradient(135deg, var(--navy-700), var(--navy-500));
  color: var(--gold-300); font-weight: 700; font-size: .9375rem;
}
.quote__by strong { display: block; font-size: .9375rem; color: var(--navy-900); }
.quote__by span { font-size: .8125rem; color: var(--slate-500); }

/* Pill / badge */
.pill {
  display: inline-flex; align-items: center; gap: .4rem;
  padding: .34rem .8rem; border-radius: var(--r-pill);
  font-size: .75rem; font-weight: 650; letter-spacing: .02em;
  background: var(--gold-100); color: var(--gold-700);
}
.pill--navy { background: var(--navy-900); color: var(--gold-300); }
.pill--soft { background: var(--sand-deep); color: var(--slate-600); }
.pill-row { display: flex; flex-wrap: wrap; gap: var(--sp-2); }

/* ---------- 10. Terms table ---------- */
.terms {
  border: 1px solid var(--line); border-radius: var(--r-lg);
  overflow: hidden; background: var(--paper); box-shadow: var(--sh-xs);
}
.terms__head {
  padding: var(--sp-5) var(--sp-6);
  background: linear-gradient(120deg, var(--navy-900), var(--navy-700));
  color: #fff;
}
.terms__head h3 { color: #fff; font-size: 1.25rem; }
.terms__head p { color: rgba(255,255,255,.66); font-size: .875rem; margin-top: .3rem; }
.terms table { font-size: .9375rem; }
.terms th, .terms td { padding: 1rem var(--sp-6); text-align: left; border-bottom: 1px solid var(--line-soft); }
.terms th { width: 42%; font-weight: 600; color: var(--slate-800); }
.terms td { color: var(--slate-600); font-weight: 550; }
.terms tr:last-child th, .terms tr:last-child td { border-bottom: 0; }
.terms tbody tr:nth-child(even) { background: var(--sand); }
@media (max-width: 560px) {
  .terms th, .terms td { display: block; width: 100%; padding: .6rem var(--sp-5); }
  .terms th { border-bottom: 0; padding-bottom: .15rem; font-size: .8125rem; color: var(--slate-500); }
  .terms td { padding-top: 0; padding-bottom: 1rem; }
}

/* ---------- 11. Checklist ---------- */
.checks { list-style: none; padding: 0; display: grid; gap: var(--sp-4); }
.checks li { position: relative; padding-left: 2.2rem; font-size: .9688rem; }
.checks li::before {
  content: ""; position: absolute; left: 0; top: .16em;
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--gold-100) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23A8861B' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center / 13px no-repeat;
}
.checks li strong { color: var(--navy-900); font-weight: 650; }
.section--navy .checks li::before { background-color: rgba(201,162,39,.2); }
.checks--2col { grid-template-columns: 1fr 1fr; gap: var(--sp-4) var(--sp-6); }
@media (max-width: 700px) { .checks--2col { grid-template-columns: 1fr; } }

/* ---------- 12. Accordion / FAQ ---------- */
.acc { border-top: 1px solid var(--line); }
.acc__item { border-bottom: 1px solid var(--line); }
.acc__btn {
  width: 100%; display: flex; align-items: flex-start; justify-content: space-between;
  gap: var(--sp-4); padding: 1.35rem 0; text-align: left;
  font-family: var(--font-display); font-size: 1.0938rem; font-weight: 600;
  color: var(--navy-900); line-height: 1.4;
  transition: color .2s var(--ease);
}
.acc__btn:hover { color: var(--gold-600); }
.acc__ico {
  flex: none; width: 26px; height: 26px; border-radius: 50%; margin-top: 1px;
  border: 1.5px solid var(--line); position: relative;
  transition: background-color .22s var(--ease), border-color .22s var(--ease), transform .28s var(--ease);
}
.acc__ico::before, .acc__ico::after {
  content: ""; position: absolute; left: 50%; top: 50%; background: var(--navy-700);
  transform: translate(-50%, -50%); transition: opacity .22s var(--ease), background-color .22s var(--ease);
}
.acc__ico::before { width: 11px; height: 1.5px; }
.acc__ico::after  { width: 1.5px; height: 11px; }
.acc__btn[aria-expanded="true"] .acc__ico { background: var(--gold-500); border-color: var(--gold-500); transform: rotate(180deg); }
.acc__btn[aria-expanded="true"] .acc__ico::after { opacity: 0; }
.acc__btn[aria-expanded="true"] .acc__ico::before { background: var(--navy-950); }
.acc__panel {
  display: grid; grid-template-rows: 0fr;
  transition: grid-template-rows .3s var(--ease);
}
.acc__panel.is-open { grid-template-rows: 1fr; }
.acc__panel > div { overflow: hidden; }
.acc__panel p { padding-bottom: 1.35rem; font-size: .9688rem; max-width: 68ch; }
.acc__panel p:first-child { padding-top: 0; }

/* ---------- 13. Forms ---------- */
.formcard {
  background: var(--paper); border: 1px solid var(--line);
  border-radius: var(--r-xl); padding: clamp(1.5rem, 4vw, 2.75rem);
  box-shadow: var(--sh-lg);
}
.formcard--flat { box-shadow: var(--sh-sm); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-4) var(--sp-5); }
.form-grid .full { grid-column: 1 / -1; }
@media (max-width: 640px) { .form-grid { grid-template-columns: 1fr; } .form-grid .full { grid-column: auto; } }

.field { display: flex; flex-direction: column; gap: .4rem; }
.field > label, .legend {
  font-size: .8438rem; font-weight: 650; color: var(--slate-800); letter-spacing: .005em;
}
.field .req { color: var(--danger); margin-left: 2px; }
.field .hint { font-size: .8125rem; color: var(--slate-500); }

.input, .select, .textarea {
  width: 100%; padding: .875rem 1rem;
  background: var(--paper); color: var(--ink);
  border: 1.5px solid var(--line); border-radius: var(--r-md);
  font-size: .9688rem; line-height: 1.45;
  transition: border-color .2s var(--ease), box-shadow .2s var(--ease), background-color .2s var(--ease);
  -webkit-appearance: none; appearance: none;
}
.input::placeholder, .textarea::placeholder { color: var(--slate-400); }
.input:hover, .select:hover, .textarea:hover { border-color: var(--slate-400); }
.input:focus, .select:focus, .textarea:focus {
  outline: none; border-color: var(--navy-600);
  box-shadow: 0 0 0 4px rgba(36,70,110,.12);
}
.textarea { min-height: 130px; resize: vertical; }
.select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23667085' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 1rem center; background-size: 16px;
  padding-right: 2.75rem; cursor: pointer;
}
.input[aria-invalid="true"], .select[aria-invalid="true"], .textarea[aria-invalid="true"] {
  border-color: var(--danger); background: var(--danger-bg);
}
.err { display: none; font-size: .8125rem; color: var(--danger); font-weight: 550; }
.err.is-shown { display: block; }

fieldset { border: 0; padding: 0; margin: 0; }
.legend { display: block; margin-bottom: .6rem; }

.opts { display: grid; gap: .6rem; }
.opts--2 { grid-template-columns: 1fr 1fr; }
.opts--3 { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 640px) { .opts--2, .opts--3 { grid-template-columns: 1fr; } }

.opt {
  position: relative; display: flex; align-items: flex-start; gap: .7rem;
  padding: .875rem 1rem; border: 1.5px solid var(--line);
  border-radius: var(--r-md); cursor: pointer; background: var(--paper);
  transition: border-color .18s var(--ease), background-color .18s var(--ease), box-shadow .18s var(--ease);
}
.opt:hover { border-color: var(--slate-400); background: var(--sand); }
.opt input, .consent input {
  position: absolute; width: 1px; height: 1px; margin: 0;
  opacity: 0; pointer-events: none;
}
.opt__box {
  flex: none; width: 20px; height: 20px; margin-top: 1px;
  border: 1.5px solid var(--slate-400); border-radius: 5px;
  background: var(--paper); transition: all .18s var(--ease);
  display: grid; place-items: center;
}
input[type="radio"] ~ .opt__box { border-radius: 50%; }
.opt__box::after {
  content: ""; width: 10px; height: 10px; border-radius: 2px;
  background: var(--navy-950); transform: scale(0); transition: transform .18s var(--ease);
}
input[type="radio"] ~ .opt__box::after { border-radius: 50%; width: 8px; height: 8px; }
input:checked ~ .opt__box { border-color: var(--gold-500); background: var(--gold-500); }
input:checked ~ .opt__box::after { transform: scale(1); }
.opt:has(input:checked) { border-color: var(--gold-500); background: #FFFCF3; box-shadow: 0 0 0 3px rgba(201,162,39,.13); }
input:focus-visible ~ .opt__box { outline: 3px solid var(--gold-400); outline-offset: 2px; }
.consent input[aria-invalid="true"] ~ .opt__box { border-color: var(--danger); background: var(--danger-bg); }
.opt__txt { font-size: .9375rem; font-weight: 550; color: var(--slate-800); line-height: 1.4; }
.opt__txt small { display: block; font-weight: 400; font-size: .8125rem; color: var(--slate-500); margin-top: 1px; }

.consent { position: relative; display: flex; align-items: flex-start; gap: .7rem; cursor: pointer; }
.consent .opt__box { margin-top: 2px; }
.consent span { font-size: .8125rem; color: var(--slate-500); line-height: 1.55; }
.consent a { text-decoration: underline; }

.form-note {
  display: flex; align-items: flex-start; gap: .6rem;
  font-size: .8125rem; color: var(--slate-500); line-height: 1.5;
}
.form-note svg { width: 16px; height: 16px; color: var(--success); flex: none; margin-top: 2px; }

.form-status {
  display: none; padding: 1rem 1.15rem; border-radius: var(--r-md);
  font-size: .9375rem; font-weight: 550; margin-bottom: var(--sp-5);
}
.form-status.is-shown { display: block; }
.form-status--ok { background: var(--success-bg); color: var(--success); border: 1px solid rgba(21,127,91,.22); }
.form-status--err { background: var(--danger-bg); color: var(--danger); border: 1px solid rgba(180,35,24,.22); }

/* Multi-step */
.wizard__bar { margin-bottom: var(--sp-7); }
.wizard__steps { display: flex; align-items: center; gap: .5rem; margin-bottom: var(--sp-4); }
.wizard__dot {
  flex: 1; display: flex; flex-direction: column; gap: .55rem; align-items: center; text-align: center;
}
.wizard__dot i {
  width: 100%; height: 4px; border-radius: 4px; background: var(--line);
  transition: background-color .35s var(--ease);
}
.wizard__dot span { font-size: .75rem; font-weight: 600; color: var(--slate-400); letter-spacing: .01em; }
.wizard__dot.is-done i { background: var(--gold-400); }
.wizard__dot.is-active i { background: linear-gradient(90deg, var(--gold-500), var(--gold-300)); }
.wizard__dot.is-active span, .wizard__dot.is-done span { color: var(--navy-900); }
@media (max-width: 700px) { .wizard__dot span { display: none; } }

.wizard__meta { display: flex; align-items: baseline; justify-content: space-between; gap: var(--sp-4); }
.wizard__meta h3 { font-size: 1.375rem; }
.wizard__meta span { font-size: .8125rem; font-weight: 650; color: var(--gold-600); white-space: nowrap; }

.wizard__panel { display: none; }
.wizard__panel.is-active { display: block; animation: fadeUp .35s var(--ease); }
.wizard__nav {
  display: flex; justify-content: space-between; gap: var(--sp-3);
  margin-top: var(--sp-7); padding-top: var(--sp-5); border-top: 1px solid var(--line);
}
.wizard__nav .btn--back { visibility: hidden; }
.wizard__nav.has-back .btn--back { visibility: visible; }

.review { display: grid; gap: var(--sp-2); font-size: .9375rem; }
.review__row {
  display: flex; justify-content: space-between; gap: var(--sp-5);
  padding: .7rem 0; border-bottom: 1px solid var(--line-soft);
}
.review__row dt { color: var(--slate-500); }
.review__row dd { margin: 0; font-weight: 600; color: var(--navy-900); text-align: right; }

/* Range slider */
.range-wrap { display: grid; gap: .75rem; }
.range-val {
  font-family: var(--font-display); font-size: 2rem; font-weight: 600;
  color: var(--navy-900); letter-spacing: -.02em;
}
input[type="range"] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 6px;
  border-radius: 6px; background: var(--line); outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; width: 26px; height: 26px;
  border-radius: 50%; cursor: pointer;
  background: linear-gradient(135deg, var(--gold-500), var(--gold-300));
  border: 3px solid var(--paper); box-shadow: var(--sh-md);
}
input[type="range"]::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%; cursor: pointer;
  background: var(--gold-500); border: 3px solid var(--paper); box-shadow: var(--sh-md);
}

/* ---------- 14. Product finder ---------- */
.finder {
  background: var(--paper); border-radius: var(--r-xl);
  box-shadow: var(--sh-xl); border: 1px solid var(--line);
  padding: clamp(1.25rem, 3vw, 2rem);
}
.finder__tabs { display: flex; gap: .35rem; padding: .35rem; background: var(--sand-deep); border-radius: var(--r-pill); margin-bottom: var(--sp-5); }
.finder__tab {
  flex: 1; padding: .7rem .5rem; border-radius: var(--r-pill);
  font-size: .875rem; font-weight: 650; color: var(--slate-600);
  transition: background-color .22s var(--ease), color .22s var(--ease), box-shadow .22s var(--ease);
}
.finder__tab.is-active { background: var(--paper); color: var(--navy-900); box-shadow: var(--sh-xs); }
.finder__result {
  margin-top: var(--sp-5); padding: var(--sp-5);
  border-radius: var(--r-lg); background: var(--sand);
  border: 1px solid var(--line); display: none;
}
.finder__result.is-shown { display: block; animation: fadeUp .3s var(--ease); }
.finder__result h4 { margin-bottom: .5rem; }
.finder__result p { font-size: .9063rem; margin-bottom: var(--sp-4); }

/* ---------- 15. Product directory ---------- */
.dirtools {
  display: flex; flex-wrap: wrap; gap: var(--sp-3);
  align-items: center; margin-bottom: var(--sp-6);
}
.dirtools .input { max-width: 340px; }
.filter-chip {
  padding: .5rem 1rem; border-radius: var(--r-pill);
  border: 1.5px solid var(--line); background: var(--paper);
  font-size: .8438rem; font-weight: 600; color: var(--slate-600);
  transition: all .18s var(--ease);
}
.filter-chip:hover { border-color: var(--slate-400); color: var(--navy-900); }
.filter-chip.is-active { background: var(--navy-900); border-color: var(--navy-900); color: var(--gold-300); }

.dirgrid { display: grid; grid-template-columns: repeat(auto-fill, minmax(270px, 1fr)); gap: var(--sp-4); }
.diritem {
  display: flex; flex-direction: column; gap: .35rem;
  padding: 1.1rem 1.25rem; border: 1px solid var(--line);
  border-radius: var(--r-md); background: var(--paper);
  transition: border-color .2s var(--ease), box-shadow .2s var(--ease), transform .2s var(--ease);
}
.diritem:hover { border-color: var(--gold-400); box-shadow: var(--sh-sm); transform: translateY(-2px); }
.diritem strong { font-size: .9375rem; font-weight: 650; color: var(--navy-900); line-height: 1.35; }
.diritem span { font-size: .8125rem; color: var(--slate-500); }
.diritem em { font-style: normal; font-size: .6875rem; font-weight: 700; letter-spacing: .08em;
  text-transform: uppercase; color: var(--gold-600); }
.diritem.is-hidden { display: none; }
.dircount { font-size: .875rem; color: var(--slate-500); margin-bottom: var(--sp-4); }
.dirempty { display: none; padding: var(--sp-8); text-align: center; color: var(--slate-500); }
.dirempty.is-shown { display: block; }

/* ---------- 16. CTA band ---------- */
.cta-band {
  position: relative; overflow: hidden; isolation: isolate;
  background: var(--navy-900); color: rgba(255,255,255,.76);
  padding-block: clamp(3rem, 7vw, 5.5rem);
}
.cta-band::before {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background:
    radial-gradient(48% 120% at 12% 0%, rgba(201,162,39,.2), transparent 60%),
    radial-gradient(46% 110% at 88% 100%, rgba(52,92,138,.35), transparent 62%);
}
.cta-band h2 { color: #fff; }
.cta-band__inner { display: grid; grid-template-columns: 1.25fr .75fr; gap: var(--sp-8); align-items: center; }
@media (max-width: 900px) { .cta-band__inner { grid-template-columns: 1fr; gap: var(--sp-6); } }

/* Contact strip inside service pages */
.contactbox {
  border: 1px solid var(--line); border-radius: var(--r-lg);
  background: var(--sand); padding: var(--sp-6);
}
.contactbox h4 { margin-bottom: var(--sp-2); }
.contactbox__rows { display: grid; gap: var(--sp-3); margin: var(--sp-5) 0; }
.contactbox__row { display: flex; align-items: flex-start; gap: .75rem; font-size: .9375rem; }
.contactbox__row svg { width: 18px; height: 18px; color: var(--gold-600); flex: none; margin-top: 3px; }
.contactbox__row strong { display: block; font-size: .75rem; text-transform: uppercase;
  letter-spacing: .1em; color: var(--slate-500); font-weight: 700; margin-bottom: 1px; }
.contactbox__row a, .contactbox__row span { color: var(--navy-900); font-weight: 600; }

/* ---------- 17. Sidebar layout ---------- */
.with-side { display: grid; grid-template-columns: minmax(0,1fr) 372px; gap: clamp(2rem, 4vw, 3.5rem); align-items: start; }
.side { position: sticky; top: calc(var(--header-h) + 24px); display: grid; gap: var(--sp-5); }
@media (max-width: 1024px) {
  .with-side { grid-template-columns: 1fr; }
  .side { position: static; }
}

.prose > * + * { margin-top: var(--sp-5); }
.prose h2 { margin-top: var(--sp-9); }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin-top: var(--sp-7); }
.prose ul, .prose ol { display: grid; gap: .55rem; }
.prose li { font-size: .9688rem; }
.prose li::marker { color: var(--gold-500); }
.prose strong { color: var(--navy-900); font-weight: 650; }

.callout {
  border-left: 3px solid var(--gold-500);
  background: var(--sand); border-radius: 0 var(--r-md) var(--r-md) 0;
  padding: var(--sp-5) var(--sp-6);
}
.callout h4 { margin-bottom: .5rem; font-size: 1.0625rem; }
.callout p { font-size: .9375rem; }

/* ---------- 18. Footer ---------- */
.footer { background: var(--navy-950); color: rgba(255,255,255,.6); padding-block: var(--sp-9) var(--sp-6); }
.footer__top { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: var(--sp-7); }
@media (max-width: 900px) { .footer__top { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer__top { grid-template-columns: 1fr; gap: var(--sp-6); } }
.footer .logo__name { color: #fff; }
.footer__blurb { font-size: .875rem; margin-top: var(--sp-4); max-width: 34ch; line-height: 1.6; }
.footer h5 {
  color: #fff; font-family: var(--font-body); font-size: .75rem; font-weight: 700;
  letter-spacing: .14em; text-transform: uppercase; margin-bottom: var(--sp-4);
}
.footer ul { list-style: none; padding: 0; display: grid; gap: .65rem; }
.footer a { color: rgba(255,255,255,.62); font-size: .875rem; }
.footer a:hover { color: var(--gold-300); }
.footer__contact { display: grid; gap: .75rem; margin-top: var(--sp-5); font-size: .875rem; }
.footer__contact a { display: flex; align-items: center; gap: .55rem; }
.footer__contact svg { width: 16px; height: 16px; color: var(--gold-500); flex: none; }
.footer__legal {
  margin-top: var(--sp-8); padding-top: var(--sp-6);
  border-top: 1px solid rgba(255,255,255,.1);
  display: flex; flex-wrap: wrap; gap: var(--sp-4); justify-content: space-between;
}
.footer__legal p { font-size: .8125rem; color: rgba(255,255,255,.42); max-width: 78ch; line-height: 1.6; }
.footer__legal nav { display: flex; flex-wrap: wrap; gap: var(--sp-4); }
.footer__legal nav a { font-size: .8125rem; }

/* ---------- 19. Utility / motion ---------- */
.js .reveal { opacity: 0; transform: translateY(22px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.js .reveal.is-in { opacity: 1; transform: none; }
.reveal[data-d="1"] { transition-delay: .08s; }
.reveal[data-d="2"] { transition-delay: .16s; }
.reveal[data-d="3"] { transition-delay: .24s; }
.reveal[data-d="4"] { transition-delay: .32s; }

@keyframes fadeUp { from { opacity: 0; transform: translateY(12px); } to { opacity: 1; transform: none; } }

.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}
.skip {
  position: absolute; left: 50%; top: -100px; transform: translateX(-50%);
  z-index: 200; padding: .8rem 1.4rem; background: var(--navy-900); color: #fff;
  border-radius: 0 0 var(--r-md) var(--r-md); font-size: .875rem; font-weight: 600;
  transition: top .2s var(--ease);
}
.skip:focus { top: 0; color: #fff; }

.no-scroll { overflow: hidden; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: .01ms !important; animation-iteration-count: 1 !important;
    transition-duration: .01ms !important; scroll-behavior: auto !important;
  }
  .reveal { opacity: 1; transform: none; }
}

@media print {
  .header, .footer, .mobile-nav, .cta-band, .btn, .side { display: none !important; }
  body { color: #000; }
  .hero, .phero { background: #fff; color: #000; padding-block: 1rem; }
  .hero h1, .phero h1 { color: #000; }
}