/* =====================================================
   Abundant Legacy Living — site styles
   Serif (Times) is used only for H1/H2 headings and the wordmark.
   Everything else uses one sans family (Montserrat).
   ===================================================== */
:root{
  --navy:#0a0e22;
  --navy-deep:#070a1a;
  --panel:#0e1330;
  --gold:#e3bb72;
  --gold-bright:#f5d596;
  --line:rgba(227,187,114,.18);
  --line-soft:rgba(255,255,255,.08);
  --text:#ffffff;
  --muted:rgba(255,255,255,.74);
  --faint:rgba(255,255,255,.55);
  --serif:"Times New Roman", Times, Georgia, serif;
  --sans:"Montserrat", -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
  --wrap:1200px;
  --header:84px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:var(--header)}
html.modal-open{overflow:hidden}
body{background:var(--navy);color:var(--text);font-family:var(--sans);font-size:13px;line-height:1.65;overflow-x:hidden;-webkit-font-smoothing:antialiased}
img,svg{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
ul{list-style:none}
button,input,select,textarea{font:inherit;color:inherit}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 40px}
.gold{color:var(--gold)}
.section{padding:120px 0}

/* ---------- Type ---------- */
.eyebrow{font-size:10px;font-weight:700;letter-spacing:.3em;text-transform:uppercase;color:var(--gold);margin-bottom:18px}
.h1,.h2{font-family:var(--serif);font-weight:700;text-transform:uppercase;letter-spacing:.005em;text-wrap:balance}
.h1{font-size:clamp(35px,4.75vw,65px);line-height:1.03;margin-bottom:26px}
.h2{font-size:clamp(25px,2.73vw,37px);line-height:1.1;margin-bottom:18px}
.h1 .gold,.h2 .gold{background:linear-gradient(180deg,#f6d9a0 0%,#e3bb72 55%,#c3913f 100%);-webkit-background-clip:text;background-clip:text;color:transparent;-webkit-text-fill-color:transparent}
.lead{font-size:14px;color:var(--muted);max-width:580px}
.lead + .lead{margin-top:14px}
.body{color:var(--muted);max-width:620px}
.label{font-size:10px;font-weight:700;letter-spacing:.3em;text-transform:uppercase}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:12px;min-height:50px;padding:0 28px;border:1px solid var(--gold);background:transparent;color:#fff;font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;text-align:center;cursor:pointer;transition:background .25s,color .25s,box-shadow .25s,border-color .25s}
.btn::after{content:"";flex:0 0 auto;width:7px;height:7px;border-top:2px solid currentColor;border-right:2px solid currentColor;transform:rotate(45deg);transition:transform .25s}
.btn:hover{background:var(--gold);color:var(--navy);box-shadow:0 12px 32px rgba(227,187,114,.28)}
.btn:hover::after{transform:translateX(3px) rotate(45deg)}
.btn.gold-text{color:var(--gold)}
.btn.gold-text:hover{color:var(--navy)}
.btn.solid{background:var(--gold);color:var(--navy)}
.btn.solid:hover{background:var(--gold-bright);border-color:var(--gold-bright)}
.btn.no-arrow::after{display:none}
.btn:disabled{opacity:.6;cursor:wait}
.btn-sm{min-height:42px;padding:0 20px;font-size:10px}
.btn svg{width:18px;height:18px}
.text-link{display:inline-flex;align-items:center;gap:10px;font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold)}
.text-link::after{content:"";width:7px;height:7px;border-top:2px solid currentColor;border-right:2px solid currentColor;transform:rotate(45deg);transition:transform .25s}
.text-link:hover::after{transform:translateX(4px) rotate(45deg)}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(10,14,34,.94);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border-bottom:1px solid var(--line-soft)}
.header-inner{display:flex;align-items:center;gap:28px;height:var(--header)}
.brand{display:flex;align-items:center;gap:14px;flex:0 0 auto;min-width:0}
.brand img{width:56px;height:56px}
.brand-text{display:flex;flex-direction:column;line-height:1}
.brand-name{font-family:var(--serif);font-weight:700;font-size:21px;letter-spacing:.2em;color:var(--gold)}
.brand-sub{font-size:9.5px;font-weight:600;letter-spacing:.34em;color:var(--gold);margin-top:6px}
.menu{display:flex;align-items:center;gap:26px;margin-left:auto}
.menu a{position:relative;font-size:10px;font-weight:600;letter-spacing:.16em;padding:6px 0;white-space:nowrap;transition:color .2s}
.menu a::after{content:"";position:absolute;left:0;right:0;bottom:-2px;height:2px;background:var(--gold);transform:scaleX(0);transition:transform .25s}
.menu a:hover,.menu a.active{color:var(--gold)}
.menu a:hover::after,.menu a.active::after{transform:scaleX(1)}
.header-cta{flex:0 0 auto;white-space:nowrap}
.burger{display:none;flex:0 0 auto;position:relative;width:32px;height:26px;background:none;border:0;cursor:pointer}
.burger span{position:absolute;left:0;width:100%;height:2px;background:var(--gold);transition:.3s}
.burger span:nth-child(1){top:2px}.burger span:nth-child(2){top:12px}.burger span:nth-child(3){top:22px}
.burger.open span:nth-child(1){top:12px;transform:rotate(45deg)}
.burger.open span:nth-child(2){opacity:0}
.burger.open span:nth-child(3){top:12px;transform:rotate(-45deg)}
.mob-nav{display:none}
.mob-nav a.active{color:var(--gold)}

/* ---------- Hero ---------- */
.hero{position:relative;overflow:hidden;isolation:isolate;background:var(--navy)}
.hero-bg{position:absolute;inset:-3%;z-index:-3;background:url("images/hero-bg.jpg") right center/cover no-repeat;transition:transform 1.4s cubic-bezier(.2,.75,.2,1);animation:kenburns 30s ease-in-out infinite alternate}
@keyframes kenburns{from{scale:1.03}to{scale:1.1}}
.hero::before{content:"";position:absolute;inset:0;z-index:-2;background:linear-gradient(90deg,rgba(10,14,34,.96) 0%,rgba(10,14,34,.72) 45%,rgba(10,14,34,.2) 100%)}
.hero::after{content:"";position:absolute;left:0;right:0;bottom:0;height:140px;z-index:-1;background:linear-gradient(transparent,var(--navy))}
.hero-particles{position:absolute;inset:0;z-index:-1;pointer-events:none}
.hero-inner{display:grid;grid-template-columns:1.25fr .75fr;gap:48px;align-items:center;min-height:700px;padding-top:70px;padding-bottom:90px}
.hero-actions{display:flex;flex-wrap:wrap;align-items:center;gap:16px 30px;margin-top:34px}
.hero-emblem{position:relative;justify-self:center;width:min(360px,100%)}
.hero-emblem::before{content:"";position:absolute;inset:-18%;z-index:-1;border-radius:50%;background:radial-gradient(circle,rgba(10,14,34,.9) 0%,rgba(10,14,34,.6) 45%,transparent 70%)}
.hero-emblem::after{content:"";position:absolute;inset:-4%;z-index:-1;border-radius:50%;background:radial-gradient(circle,rgba(227,187,114,.24) 0%,transparent 62%);animation:halo 5s ease-in-out infinite}
@keyframes halo{0%,100%{opacity:.55}50%{opacity:1}}
.hero-emblem img{width:100%;height:auto;filter:drop-shadow(0 0 24px rgba(227,187,114,.35))}

/* ---------- Pillars ---------- */
.pillars{background:var(--navy);border-top:1px solid var(--line-soft);border-bottom:1px solid var(--line-soft)}
.pillars-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.pillar{display:flex;align-items:center;gap:18px;padding:42px 24px}
.pillar + .pillar{border-left:1px solid var(--line-soft)}
.pillar-icon{flex:0 0 46px;width:46px;height:46px;color:var(--gold)}
.pillar-icon svg{width:100%;height:100%;fill:none;stroke:currentColor;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}
.pillar h3{font-size:11px;font-weight:700;letter-spacing:.24em;text-transform:uppercase;margin-bottom:8px}
.pillar p{font-size:12px;line-height:1.55;color:var(--muted)}

/* ---------- About ---------- */
.about-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:80px;align-items:start}
.founder{display:flex;align-items:center;gap:18px;margin-top:30px;padding:20px 24px;border:1px solid var(--line);background:rgba(255,255,255,.02)}
.founder img{width:52px;height:52px}
.founder-name{font-size:12px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold)}
.founder-role{font-size:11px;color:var(--muted);margin-top:3px}
.questions-title{margin-bottom:18px;color:var(--gold)}
.questions{display:grid;gap:12px}
.question{display:flex;align-items:center;gap:18px;padding:20px 22px;border:1px solid var(--line-soft);background:rgba(255,255,255,.02)}
.question .num{min-width:28px;font-size:12px;font-weight:700;letter-spacing:.1em;color:var(--gold)}
.question p{font-size:14px;font-weight:500;line-height:1.45}
.mission{margin-top:80px;padding:40px 44px;border-left:2px solid var(--gold);background:rgba(255,255,255,.025)}
.mission-text{font-size:clamp(16px,1.67vw,20px);font-weight:500;line-height:1.55}

/* ---------- Clients & agents ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;background:var(--navy-deep);border-top:1px solid var(--line-soft)}
.panel{position:relative;overflow:hidden;isolation:isolate;display:flex;align-items:flex-end;min-height:680px}
.panel + .panel{border-left:1px solid var(--line-soft)}
.panel-bg{position:absolute;inset:0;z-index:-2;background-position:center;background-size:cover;background-repeat:no-repeat;transition:transform 1.4s ease}
.panel:hover .panel-bg{transform:scale(1.04)}
.panel::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(7,10,26,.3) 0%,rgba(7,10,26,.78) 45%,rgba(7,10,26,.96) 100%)}
.panel-clients .panel-bg{background-image:url("images/clients.jpg")}
.panel-agents .panel-bg{background-image:url("images/agents.jpg")}
.panel-content{width:100%;max-width:640px;padding:80px clamp(28px,5vw,64px)}
.checklist{display:grid;gap:12px;margin:26px 0 34px}
.checklist li{display:flex;align-items:flex-start;gap:14px;font-size:13px;color:rgba(255,255,255,.92)}
.checklist li::before{content:"";flex:0 0 14px;height:8px;margin-top:6px;border-left:2px solid var(--gold);border-bottom:2px solid var(--gold);transform:rotate(-45deg)}
.panel-actions{display:flex;flex-wrap:wrap;align-items:center;gap:16px 28px}

/* ---------- Impact: map & carriers ---------- */
.impact{padding:72px 0 84px;border-top:1px solid var(--line-soft);background:radial-gradient(ellipse at 28% 45%,rgba(227,187,114,.07),transparent 55%),var(--navy)}
.impact-eyebrow{margin-bottom:34px;text-align:center}
.impact-grid{display:grid;grid-template-columns:539fr 646fr;gap:48px;align-items:center}
.impact-map{margin:0;text-align:center}
.impact-map img{width:100%;height:auto;filter:drop-shadow(0 18px 44px rgba(0,0,0,.5))}
.impact-map figcaption{margin-top:20px;font-size:10px;font-weight:700;letter-spacing:.28em;text-transform:uppercase;color:var(--gold)}
.impact-copy{min-width:0}
.impact-title{margin-bottom:12px;font-family:var(--serif);font-size:clamp(21px,2.29vw,30px);font-weight:700;line-height:1.3;text-wrap:balance}
.impact-title .gold{background:linear-gradient(180deg,#f6d9a0 0%,#e3bb72 55%,#c3913f 100%);-webkit-background-clip:text;background-clip:text;color:transparent;-webkit-text-fill-color:transparent}
.carriers-label{margin:30px 0 14px;font-size:10px;letter-spacing:.3em;color:var(--gold)}
.carriers-scroller{overflow-x:auto;overflow-y:hidden;padding:8px 0 12px;border-top:1px solid var(--line);-webkit-mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);scrollbar-width:thin;scrollbar-color:rgba(255,255,255,.55) rgba(255,255,255,.14);cursor:grab;touch-action:pan-x pan-y}
.carriers-scroller.dragging{cursor:grabbing}
.carriers-scroller::-webkit-scrollbar{height:8px}
.carriers-scroller::-webkit-scrollbar-track{background:rgba(255,255,255,.14);border-radius:8px}
.carriers-scroller::-webkit-scrollbar-thumb{background:rgba(255,255,255,.55);border-radius:8px}
.carriers-scroller::-webkit-scrollbar-thumb:hover{background:var(--gold)}
.carriers-track{display:flex;width:max-content}
.carriers-row{display:flex;flex:0 0 auto;align-items:center}
.carriers-row li{display:flex;flex:0 0 auto;align-items:center;justify-content:center;width:120px;height:44px;margin:0 12px}
.carriers-row img{display:block;width:auto;height:auto;max-width:100%;max-height:32px;object-fit:contain;opacity:.9;-webkit-user-drag:none;user-select:none;transition:opacity .25s,transform .25s}
.carriers-row li:hover img{opacity:1;transform:scale(1.08)}
@media (max-width:900px){
  .impact-grid{grid-template-columns:1fr;gap:34px}
  .impact-map{width:100%;max-width:520px;margin:0 auto}
  .impact-copy{text-align:center}
}
@media (max-width:640px){
  .impact{padding:60px 0 68px}
  .impact-eyebrow{margin-bottom:26px}
  .carriers-row li{width:132px;height:52px;margin:0 12px}
  .carriers-row img{max-height:38px}
}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy-deep);border-top:1px solid var(--line-soft);padding:72px 0 0}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:48px;padding-bottom:56px}
.footer-tag{max-width:380px;margin:20px 0 22px;font-size:12px;color:var(--muted)}
.contact-list li{display:flex;align-items:flex-start;gap:12px;margin-bottom:10px;font-size:12px;color:rgba(255,255,255,.8)}
.contact-list svg{flex:0 0 16px;width:16px;height:16px;margin-top:3px;fill:none;stroke:var(--gold);stroke-width:1.6}
.contact-list svg .fill{fill:var(--gold);stroke:none}
.contact-list a{overflow-wrap:anywhere}
.contact-list a:hover{color:var(--gold)}
.footer-title{margin-bottom:20px;font-size:11px;font-weight:700;letter-spacing:.26em;text-transform:uppercase;color:var(--gold)}
.footer-links li{margin-bottom:12px}
.footer-links a{font-size:10.5px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.75);transition:color .2s}
.footer-links a:hover{color:var(--gold)}
.copyright{padding:22px 0;border-top:1px solid var(--line-soft);text-align:center;font-size:10px;letter-spacing:.2em;text-transform:uppercase;color:var(--faint)}

/* ---------- WhatsApp button ---------- */
.wa-float{position:fixed;right:24px;bottom:24px;z-index:60;display:flex;align-items:center;gap:10px;height:56px;padding:0 22px 0 16px;border-radius:28px;background:linear-gradient(135deg,#f1d08f,#e3bb72 50%,#c8913a);color:var(--navy);font-size:10px;font-weight:700;letter-spacing:.16em;box-shadow:0 12px 30px rgba(0,0,0,.45);transition:transform .25s,box-shadow .25s}
.wa-float::before{content:"";position:absolute;inset:0;border-radius:inherit;pointer-events:none;animation:ping 2.8s ease-out infinite}
@keyframes ping{0%{box-shadow:0 0 0 0 rgba(227,187,114,.5)}100%{box-shadow:0 0 0 18px rgba(227,187,114,0)}}
.wa-float:hover{transform:translateY(-3px);box-shadow:0 16px 36px rgba(0,0,0,.55)}
.wa-float svg,.wa-icon{width:24px;height:24px;fill:none;stroke:currentColor;stroke-width:1.7;stroke-linejoin:round}
.wa-float svg .fill,.wa-icon .fill{fill:currentColor;stroke:none}

/* ---------- Services page ---------- */
.page-hero{position:relative;overflow:hidden;isolation:isolate;background:var(--navy)}
.page-hero-bg{position:absolute;inset:0;z-index:-3;background:url("images/services-banner.jpg") center right/cover no-repeat}
.page-hero::before{content:"";position:absolute;inset:0;z-index:-2;background:linear-gradient(90deg,rgba(10,14,34,.96) 0%,rgba(10,14,34,.78) 45%,rgba(10,14,34,.25) 100%)}
.page-hero::after{content:"";position:absolute;left:0;right:0;bottom:0;height:120px;z-index:-1;background:linear-gradient(transparent,var(--navy))}
.page-hero-inner{padding-top:110px;padding-bottom:120px}
.breadcrumb{display:flex;gap:10px;margin-bottom:24px;font-size:10px;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--faint)}
.breadcrumb a:hover{color:var(--gold)}
.breadcrumb .current{color:var(--gold)}
.sec-head{max-width:760px;margin:0 auto 60px;text-align:center}
.sec-head .body{margin:0 auto}
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.svc-card{position:relative;padding:38px 30px 32px;border:1px solid var(--line-soft);background:linear-gradient(160deg,rgba(227,187,114,.05),rgba(255,255,255,.01) 60%);transition:border-color .35s}
.svc-card:hover{border-color:var(--line)}
.svc-num{position:absolute;top:24px;right:26px;font-size:11px;font-weight:700;letter-spacing:.14em;color:rgba(227,187,114,.6)}
.svc-icon{display:flex;align-items:center;justify-content:center;width:54px;height:54px;border:1px solid var(--line);border-radius:50%;color:var(--gold)}
.svc-icon svg{width:26px;height:26px;fill:none;stroke:currentColor;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round}
.svc-card h3{margin:22px 0 10px;font-size:13px;font-weight:700;line-height:1.35;letter-spacing:.14em;text-transform:uppercase}
.svc-card p{font-size:12px;color:var(--muted)}
.tags{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}
.tag{padding:5px 10px;border:1px solid var(--line);background:none;font-size:10px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold)}
.tag.solid{background:var(--gold);border-color:var(--gold);color:var(--navy)}
a.tag,button.tag{cursor:pointer}
.more-note{margin-top:46px;text-align:center;color:var(--muted)}
.more-note a{color:var(--gold);border-bottom:1px solid var(--line)}
.process{background:var(--navy-deep);border-top:1px solid var(--line-soft);border-bottom:1px solid var(--line-soft)}
.steps{position:relative;display:grid;grid-template-columns:repeat(4,1fr);gap:28px}
.steps::before{content:"";position:absolute;top:28px;left:12.5%;right:12.5%;height:1px;background:linear-gradient(90deg,transparent,var(--line),var(--line),transparent)}
.step{padding:0 8px;text-align:center}
.step-num{position:relative;z-index:1;display:flex;align-items:center;justify-content:center;width:56px;height:56px;margin:0 auto 22px;border:1px solid var(--gold);border-radius:50%;background:var(--navy-deep);font-size:13px;font-weight:700;letter-spacing:.08em;color:var(--gold)}
.step h3{margin-bottom:10px;font-size:12px;font-weight:700;letter-spacing:.2em;text-transform:uppercase}
.step p{font-size:12px;color:var(--muted)}
.cta-band{position:relative;overflow:hidden;text-align:center;background:radial-gradient(ellipse at center,rgba(227,187,114,.09),transparent 60%),var(--navy)}
.cta-logo{position:absolute;left:50%;top:50%;width:520px;transform:translate(-50%,-50%);opacity:.05;pointer-events:none}
.cta-band .wrap{position:relative}
.cta-band .body{margin:0 auto 34px}
.actions-center{display:flex;flex-wrap:wrap;justify-content:center;gap:14px}

/* ---------- Form dialog ---------- */
.form-modal{width:min(660px,calc(100% - 24px));max-height:calc(100dvh - 24px);margin:auto;padding:0;border:1px solid var(--line);background:var(--panel);color:var(--text);box-shadow:0 40px 120px rgba(0,0,0,.6)}
.form-modal::backdrop{background:rgba(4,6,16,.8);-webkit-backdrop-filter:blur(4px);backdrop-filter:blur(4px)}
.form-modal[open]{animation:modal-in .35s cubic-bezier(.2,.75,.2,1)}
@keyframes modal-in{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:none}}
.form-head{position:relative;padding:36px 38px 6px}
.form-close{position:absolute;top:14px;right:14px;width:40px;height:40px;border:0;background:none;color:var(--muted);cursor:pointer}
.form-close::before,.form-close::after{content:"";position:absolute;top:50%;left:10px;right:10px;height:2px;background:currentColor}
.form-close::before{transform:rotate(45deg)}
.form-close::after{transform:rotate(-45deg)}
.form-close:hover{color:var(--gold)}
.form-title{margin-bottom:10px;padding-right:30px;font-family:var(--serif);font-size:clamp(21px,2.64vw,28px);font-weight:700;line-height:1.1;text-transform:uppercase}
.form-intro{font-size:12px;color:var(--muted)}
.lead-form{position:relative;display:grid;gap:16px;padding:20px 38px 36px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{display:grid;gap:7px;min-width:0}
.field > span,.checks legend{font-size:10px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.84)}
.req{color:var(--gold);font-weight:700}
.field input,.field select,.field textarea{width:100%;min-height:46px;padding:11px 14px;border:1px solid rgba(255,255,255,.18);border-radius:0;background:rgba(255,255,255,.04);font-size:13px;transition:border-color .2s,background-color .2s}
.field textarea{min-height:92px;resize:vertical}
.field select{-webkit-appearance:none;appearance:none;padding-right:38px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%23e3bb72' stroke-width='1.6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;background-size:12px 8px}
.field select option{color:#111}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold);background-color:rgba(227,187,114,.06)}
.checks{display:grid;gap:10px;border:0}
.checks legend{margin-bottom:10px}
.checks-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px 16px}
.check{display:flex;align-items:flex-start;gap:10px;font-size:12px;color:rgba(255,255,255,.88);cursor:pointer}
.check input{flex:0 0 18px;width:18px;height:18px;margin-top:2px;accent-color:var(--gold)}
.form-note{font-size:10.5px;color:var(--faint)}
.form-status{min-height:1px;font-size:12px}
.form-status.err{color:#ffb4a8}
.form-status a{color:var(--gold);text-decoration:underline}
.lead-form .btn{width:100%}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-success{padding:18px 38px 42px;text-align:center}
.form-success-text{margin:10px auto 26px;max-width:440px;font-size:15px;font-weight:500}

/* ---------- Motion: entrance & card tilt ---------- */
.will-reveal{opacity:0;transform:perspective(1200px) translate3d(0,60px,-80px) rotateX(10deg)}
.revealed{animation:rise-in .95s cubic-bezier(.2,.75,.2,1) both;animation-delay:var(--d,0ms)}
@keyframes rise-in{from{opacity:0;transform:perspective(1200px) translate3d(0,60px,-80px) rotateX(10deg)}to{opacity:1;transform:perspective(1200px) translate3d(0,0,0) rotateX(0deg)}}
@keyframes fade-up{from{opacity:0;transform:translate3d(0,24px,0)}to{opacity:1;transform:translate3d(0,0,0)}}
.tilt{position:relative;transform-style:preserve-3d;transition:transform .6s cubic-bezier(.2,.75,.2,1),box-shadow .45s,border-color .45s;will-change:transform}
.tilt.is-tilting{transition:transform .12s linear,box-shadow .45s,border-color .45s;border-color:rgba(227,187,114,.45);box-shadow:0 30px 60px rgba(0,0,0,.5),0 0 36px rgba(227,187,114,.14)}
.tilt.scroll-tilt{transition:transform .35s ease-out,box-shadow .45s,border-color .45s}
.tilt.is-lit{border-color:rgba(227,187,114,.38);box-shadow:0 24px 50px rgba(0,0,0,.4),0 0 30px rgba(227,187,114,.12)}
.tilt::before{content:"";position:absolute;inset:0;pointer-events:none;opacity:0;transition:opacity .45s;background:radial-gradient(420px circle at var(--mx,50%) var(--my,50%),rgba(255,236,190,.14),transparent 42%)}
.tilt.is-tilting::before,.tilt.is-lit::before{opacity:1}
.tilt > *{transform:translateZ(16px)}
.tilt > .svc-icon,.tilt > .step-num,.tilt > .num,.founder.tilt > img{transform:translateZ(40px)}

/* ---------- Responsive ---------- */
@media (max-width:1180px){
  .menu{display:none}
  .burger{display:block}
  .header-inner{gap:16px}
  .header-cta{margin-left:auto}
  .mob-nav{display:block;position:fixed;top:var(--header);left:0;right:0;max-height:0;overflow:hidden;background:var(--navy-deep);border-bottom:1px solid var(--line);transition:max-height .4s ease}
  .mob-nav.open{max-height:calc(100dvh - var(--header));overflow-y:auto}
  .mob-nav ul{padding:10px 40px 26px}
  .mob-nav a{display:block;padding:15px 0;border-bottom:1px solid var(--line-soft);font-size:11px;font-weight:600;letter-spacing:.18em}
}
@media (max-width:1024px){
  .pillars-grid{grid-template-columns:repeat(2,1fr)}
  .pillar:nth-child(3){border-left:0}
  .pillar:nth-child(n+3){border-top:1px solid var(--line-soft)}
  .about-grid{grid-template-columns:1fr;gap:56px}
  .svc-grid{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr);gap:48px 28px}
  .steps::before{display:none}
}
@media (max-width:900px){
  .hero-inner{grid-template-columns:1fr;gap:10px;min-height:0;padding-top:40px;padding-bottom:110px;text-align:center}
  .hero::before{background:linear-gradient(180deg,rgba(10,14,34,.7) 0%,rgba(10,14,34,.9) 100%)}
  .hero-bg{background-position:70% center}
  .hero-emblem{order:-1;width:min(230px,62%);margin-bottom:18px}
  .hero-copy .lead{margin-left:auto;margin-right:auto}
  .hero-actions{justify-content:center}
  .split{grid-template-columns:1fr}
  .panel{min-height:620px}
  .panel + .panel{border-left:0;border-top:1px solid var(--line-soft)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .footer-grid > div:first-child{grid-column:1/-1}
}
@media (max-width:640px){
  :root{--header:76px}
  .wrap{padding:0 20px}
  .section{padding:84px 0}
  .brand{gap:10px}
  .brand img{width:42px;height:42px}
  .brand-name{font-size:14px;letter-spacing:.14em}
  .brand-sub{font-size:8px;letter-spacing:.26em}
  .header-cta{min-height:38px;padding:0 12px;font-size:10px;letter-spacing:.1em}
  .mob-nav ul{padding:6px 20px 20px}
  .pillar{flex-direction:row;gap:10px;padding:28px 8px;text-align:center}
  .pillar + .pillar{border-left:0}
  .pillar:nth-child(n+3){border-top:0}
  .pillar-icon{flex-basis:38px;width:38px;height:38px}
  .pillar h3{font-size:10px;letter-spacing:.18em}
  .pillar p{font-size:11px}
  .question{padding:16px 18px}
  .question p{font-size:13px}
  .mission{margin-top:56px;padding:28px 22px}
  .panel{min-height:0}
  .panel-content{padding:120px 20px 64px}
  .svc-grid,.steps{grid-template-columns:1fr}
  .svc-card{padding:34px 24px 28px}
  .footer-grid{grid-template-columns:1fr}
  .cta-logo{width:340px}
  .form-head{padding:30px 22px 4px}
  .lead-form{padding:16px 22px 28px}
  .form-row,.checks-grid{grid-template-columns:1fr}
  .form-success{padding:14px 22px 34px}
  .wa-float{right:16px;bottom:16px;width:56px;padding:0;justify-content:center}
  .wa-float .wa-label{display:none}
}
@media (max-width:380px){
  .brand img{width:36px;height:36px}
  .brand-name{font-size:12px;letter-spacing:.1em}
  .brand-sub{font-size:7px;letter-spacing:.2em}
  .header-cta{padding:0 9px;letter-spacing:.06em}
}
@media (prefers-reduced-motion:reduce){
  /* effects stay on; only long travel distances are shortened */
  .will-reveal{transform:translate3d(0,24px,0)}
  .revealed{animation-name:fade-up}
}

/* ===== MULTI-PAGE COMPONENTS ===== */
.page-hero--about .page-hero-bg{background-image:url("images/hero-bg.jpg")}
.page-hero--clients .page-hero-bg{background-image:url("images/clients.jpg");background-position:center}
.page-hero--agents .page-hero-bg{background-image:url("images/agents.jpg");background-position:center}
/* inner-page banners: text centred, even dark overlay so it reads over any photo */
.page-hero::before{background:linear-gradient(180deg,rgba(10,14,34,.86) 0%,rgba(10,14,34,.74) 50%,rgba(10,14,34,.9) 100%)}
.page-hero-inner{text-align:center}
.page-hero .lead{max-width:680px;margin-left:auto;margin-right:auto}
.page-hero--clients .page-hero-inner,.page-hero--agents .page-hero-inner{padding-top:64px}
.page-hero-logo{width:140px;height:auto;margin:0 auto 26px;filter:drop-shadow(0 0 22px rgba(227,187,114,.4))}
/* About & Services banners: gold glow behind the heading and a thin gold rule under it */
.page-hero--about .page-hero-inner,.page-hero--services .page-hero-inner{position:relative}
.page-hero--about .page-hero-inner::before,.page-hero--services .page-hero-inner::before{content:"";position:absolute;left:50%;top:42%;z-index:-1;width:min(760px,130vw);height:440px;transform:translate(-50%,-50%);background:radial-gradient(ellipse at center,rgba(227,187,114,.17) 0%,rgba(227,187,114,.06) 38%,transparent 68%);pointer-events:none}
.br-mobile{display:none}
.page-hero--about .h1::after,.page-hero--services .h1::after{content:"";display:block;width:140px;height:2px;margin:30px auto 0;background:linear-gradient(90deg,transparent,var(--gold),transparent)}
.page-hero .hero-actions{justify-content:center;margin-top:28px}
.section-alt{background:var(--navy-deep);border-top:1px solid var(--line-soft);border-bottom:1px solid var(--line-soft)}
.two-col{display:grid;grid-template-columns:1.05fr .95fr;gap:72px;align-items:center}
.two-col.top{align-items:start}
.two-col .body + .body{margin-top:14px}
.mission.flush{margin-top:0}
.founder + .questions-title{margin-top:0}
/* quote band */
.quote-band{padding:110px 0;text-align:center;background:radial-gradient(ellipse at center,rgba(227,187,114,.1),transparent 62%),var(--navy-deep);border-top:1px solid var(--line-soft);border-bottom:1px solid var(--line-soft)}
.quote-mark{display:block;margin-bottom:10px;font-family:var(--serif);font-size:72px;line-height:.8;color:var(--gold);opacity:.7}
.quote-text{max-width:860px;margin:0 auto 22px;font-family:var(--serif);font-size:clamp(21px,2.5vw,32px);font-weight:700;line-height:1.3;text-wrap:balance}
.quote-by{font-size:10px;font-weight:700;letter-spacing:.3em;text-transform:uppercase;color:var(--gold)}
/* cards */
.card-row{display:flex;flex-wrap:wrap;justify-content:center;gap:22px}
.card-row > *{flex:0 1 calc((100% - 44px) / 3)}
.card-row.cols-4 > *{flex-basis:calc((100% - 66px) / 4)}
.info-card{position:relative;padding:34px 26px 30px;border:1px solid var(--line-soft);background:linear-gradient(160deg,rgba(227,187,114,.05),rgba(255,255,255,.01) 60%);transition:border-color .35s}
.info-card:hover{border-color:var(--line)}
.info-icon{display:flex;align-items:center;justify-content:center;width:52px;height:52px;margin-bottom:20px;border:1px solid var(--line);border-radius:50%;color:var(--gold)}
.info-icon svg{width:24px;height:24px;fill:none;stroke:currentColor;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round}
.info-card h3{margin-bottom:10px;font-size:12px;font-weight:700;line-height:1.45;letter-spacing:.16em;text-transform:uppercase}
.info-card p{font-size:12px;color:var(--muted)}
.services-intro{padding-bottom:40px}
.services-group{padding:70px 0}
/* image bands */
.visual-break{position:relative;overflow:hidden;isolation:isolate;padding:96px 0;text-align:center}
.visual-break-bg{position:absolute;inset:0;z-index:-2;background-position:center;background-size:cover;background-repeat:no-repeat}
.visual-break::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(7,10,26,.88) 0%,rgba(7,10,26,.7) 50%,rgba(7,10,26,.9) 100%)}
.visual-break .h2{margin-bottom:12px}
.visual-break .body{margin:0 auto}
.visual-break .actions-center{margin-top:28px}
.vb-families .visual-break-bg,.vb-looking .visual-break-bg{background-image:url("images/clients.jpg")}
.vb-tax .visual-break-bg{background-image:url("images/services-banner.jpg")}
.vb-career .visual-break-bg{background-image:url("images/agents.jpg")}
.vb-expect .visual-break-bg{background-image:url("images/hero-bg.jpg")}
.image-frame{position:relative;min-height:440px;border:1px solid var(--line);background-position:center;background-size:cover;box-shadow:0 30px 60px rgba(0,0,0,.45)}
.image-frame::after{content:"";position:absolute;inset:14px;border:1px solid rgba(227,187,114,.35);pointer-events:none}
.frame-families{background-image:url("images/clients.jpg")}
.frame-agents{background-image:url("images/agents.jpg")}
/* client journey */
.journey{position:relative;display:grid;gap:14px;max-width:860px;margin:0 auto}
.journey::before{content:"";position:absolute;top:34px;bottom:34px;left:53px;width:1px;background:var(--line)}
.journey-step{position:relative;display:flex;align-items:flex-start;gap:24px;padding:22px 26px;border:1px solid transparent}
.journey-num{position:relative;z-index:1;display:flex;flex:0 0 56px;align-items:center;justify-content:center;height:56px;border:1px solid var(--gold);border-radius:50%;background:var(--navy);font-size:13px;font-weight:700;letter-spacing:.06em;color:var(--gold)}
.journey-step h3{margin:6px 0 8px;font-size:13px;font-weight:700;letter-spacing:.18em;text-transform:uppercase}
.journey-step p{font-size:13px;color:var(--muted)}
.checklist.two-cols{grid-template-columns:1fr 1fr;gap:16px 34px;max-width:900px;margin:0 auto}
.section:not(.process):not(.section-alt) + .cta-band{border-top:1px solid var(--line-soft)}
.tilt > .info-icon,.tilt > .journey-num{transform:translateZ(40px)}
@media (max-width:1024px){
  .two-col{grid-template-columns:1fr;gap:44px}
  .card-row > *,.card-row.cols-4 > *{flex-basis:calc((100% - 22px) / 2)}
  .image-frame{min-height:340px}
}
@media (max-width:640px){
  .card-row > *,.card-row.cols-4 > *{flex-basis:100%}
  .quote-band,.visual-break{padding:72px 0}
  .services-group{padding:48px 0}
  .image-frame{min-height:250px}
  .journey::before{left:43px}
  .journey-step{gap:16px;padding:18px 16px}
  .journey-num{flex-basis:48px;height:48px}
  .checklist.two-cols{grid-template-columns:1fr}
  .page-hero--clients .page-hero-inner,.page-hero--agents .page-hero-inner{padding-top:48px}
  .page-hero-logo{width:104px;margin-bottom:20px}
  .page-hero--about .page-hero-inner,.page-hero--services .page-hero-inner{display:flex;flex-direction:column;justify-content:center;min-height:calc(86vh - var(--header));min-height:calc(86svh - var(--header));padding-top:64px;padding-bottom:110px}
  .page-hero--about .h1,.page-hero--services .h1{font-size:clamp(32px,9.8vw,42px);line-height:1.12;margin-bottom:30px}
  .br-mobile{display:inline}
  .page-hero--about .lead,.page-hero--services .lead{line-height:1.85}
}