/* ============================================================
   Financial Safeguard Consulting
   investment-planning.css — Complete Self-Contained Stylesheet
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,600;0,700;1,300;1,400;1,600&family=Outfit:wght@300;400;500;600&display=swap');

/* ─────────────────────────────────────
   DESIGN TOKENS
───────────────────────────────────── */
:root {
  --navy-deep:    #050D1A;
  --navy-mid:     #0B1929;
  --navy-card:    #0D1F38;
  --gold:         #C9A84C;
  --gold-light:   #E2C97E;
  --gold-dim:     rgba(201,168,76,0.12);
  --gold-border:  rgba(201,168,76,0.25);
  --blue-accent:  #2A7AE4;
  --blue-dim:     rgba(42,122,228,0.10);
  --blue-border:  rgba(42,122,228,0.28);
  --red-dim:      rgba(255,80,80,0.07);
  --red-border:   rgba(255,80,80,0.22);
  --red-txt:      #FF7575;
  --green-dim:    rgba(72,199,142,0.08);
  --green-border: rgba(72,199,142,0.28);
  --green-txt:    #48C78E;
  --amber-dim:    rgba(255,180,50,0.09);
  --amber-border: rgba(255,180,50,0.28);
  --amber-txt:    #FFB432;
  --white:        #FFFFFF;
  --w85:          rgba(255,255,255,0.85);
  --w65:          rgba(255,255,255,0.65);
  --w55:          rgba(255,255,255,0.55);
  --w35:          rgba(255,255,255,0.35);
  --w25:          rgba(255,255,255,0.25);
  --w10:          rgba(255,255,255,0.07);
  --font-d:       'Cormorant Garamond', Georgia, serif;
  --font-b:       'Outfit', sans-serif;
  --rsm:          6px;
  --rmd:          12px;
  --rlg:          20px;
  --ease:         0.32s cubic-bezier(0.4,0,0.2,1);
  --mw:           1160px;
  --sp:           96px 24px;
}

/* ─────────────────────────────────────
   RESET & BASE
───────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-b);
  background: var(--navy-deep);
  color: var(--white);
  line-height: 1.7;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; text-decoration: none; }
.container { max-width: var(--mw); margin: 0 auto; padding: 0 24px; }

/* ─────────────────────────────────────
   UTILITY
───────────────────────────────────── */
.section-label {
  display: inline-block;
  font-size: 11px; font-weight: 600;
  letter-spacing: 3px; text-transform: uppercase;
  color: var(--gold); margin-bottom: 18px;
}
.section-title {
  font-family: var(--font-d);
  font-size: clamp(30px, 3.6vw, 50px);
  font-weight: 300; line-height: 1.14;
  letter-spacing: -0.5px;
  color: var(--white); margin-bottom: 20px;
}
.section-title em { font-style: italic; color: var(--gold-light); }
.section-body { font-size: 15px; font-weight: 300; color: var(--w55); line-height: 1.85; }

/* ─────────────────────────────────────
   ANIMATIONS
───────────────────────────────────── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(30px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes floatSlow {
  0%,100% { transform: translateY(0); }
  50%     { transform: translateY(-16px); }
}
@keyframes pulseGold {
  0%,100% { box-shadow: 0 0 0 0 rgba(201,168,76,0); }
  50%     { box-shadow: 0 0 0 10px rgba(201,168,76,0.07); }
}

/* ─────────────────────────────────────
   SCROLL REVEAL
───────────────────────────────────── */
.reveal {
  opacity: 0; transform: translateY(24px);
  transition: opacity .75s ease, transform .75s ease;
}
.reveal.visible { opacity: 1; transform: translateY(0); }

/* ─────────────────────────────────────
   BUTTONS
───────────────────────────────────── */
.btn-primary {
  background: var(--gold); color: var(--navy-deep);
  font-family: var(--font-b); font-size: 14px; font-weight: 600; letter-spacing: .5px;
  padding: 15px 34px; border: none; border-radius: var(--rsm);
  cursor: pointer; display: inline-block;
  transition: background var(--ease), transform var(--ease), box-shadow var(--ease);
}
.btn-primary:hover {
  background: var(--gold-light); transform: translateY(-2px);
  box-shadow: 0 12px 40px rgba(201,168,76,0.26);
}
.btn-ghost {
  background: transparent; color: var(--w85);
  font-family: var(--font-b); font-size: 14px; font-weight: 400;
  padding: 15px 34px; border: 1px solid var(--w25); border-radius: var(--rsm);
  cursor: pointer; display: inline-block;
  transition: border-color var(--ease), color var(--ease), transform var(--ease);
}
.btn-ghost:hover { border-color: var(--w85); color: var(--white); transform: translateY(-2px); }

/* ─────────────────────────────────────
   NAVBAR
───────────────────────────────────── */
.navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  padding: 0 40px; height: 72px;
  display: flex; align-items: center; justify-content: space-between;
  background: rgba(5,13,26,0.88);
  backdrop-filter: blur(20px); -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(201,168,76,0.12);
  transition: background var(--ease);
}
.navbar.scrolled { background: rgba(5,13,26,0.98); }
.nav-brand { font-family: var(--font-d); font-size: 18px; font-weight: 600; color: var(--white); white-space: nowrap; }
.nav-brand span { color: var(--gold); }
.nav-links { display: flex; align-items: center; gap: 30px; list-style: none; }
.nav-links a { font-size: 13.5px; font-weight: 400; color: var(--w55); transition: color var(--ease); position: relative; }
.nav-links a::after { content: ''; position: absolute; bottom: -3px; left: 0; width: 0; height: 1px; background: var(--gold); transition: width var(--ease); }
.nav-links a:hover, .nav-links a.active { color: var(--white); }
.nav-links a:hover::after, .nav-links a.active::after { width: 100%; }
.nav-cta {
  background: transparent; border: 1px solid var(--gold-border); color: var(--gold);
  font-family: var(--font-b); font-size: 13px; font-weight: 500;
  padding: 9px 20px; border-radius: var(--rsm); cursor: pointer;
  transition: background var(--ease), color var(--ease); white-space: nowrap;
}
.nav-cta:hover { background: var(--gold); color: var(--navy-deep); border-color: var(--gold); }
.nav-hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; background: none; border: none; padding: 4px; }
.nav-hamburger span { display: block; width: 24px; height: 1.5px; background: var(--w85); transition: transform var(--ease); }

/* ─────────────────────────────────────
   HERO
───────────────────────────────────── */
.hero {
  min-height: 92vh; display: flex; align-items: center;
  padding: 130px 24px 88px; position: relative; overflow: hidden;
}
.hero-bg {
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 52% 80% at 80% 28%, rgba(201,168,76,0.07) 0%, transparent 55%),
    radial-gradient(ellipse 60% 60% at 5% 85%,  rgba(11,25,41,0.90) 0%, transparent 55%),
    linear-gradient(158deg, #030A14 0%, var(--navy-deep) 48%, #071220 100%);
}
.hero-vignette {
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 90% 88% at 50% 50%, transparent 38%, rgba(3,10,20,0.62) 100%);
  pointer-events: none;
}
.hero-grid {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(201,168,76,0.033) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,0.033) 1px, transparent 1px);
  background-size: 62px 62px;
  mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, black 0%, transparent 72%);
  -webkit-mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, black 0%, transparent 72%);
}
.orb-gold {
  position: absolute; width: 700px; height: 700px; border-radius: 50%;
  background: radial-gradient(circle, rgba(201,168,76,0.055) 0%, transparent 65%);
  top: -140px; right: -150px; pointer-events: none;
  animation: floatSlow 13s ease-in-out infinite;
}
.hero-content { position: relative; max-width: 760px; animation: fadeUp 1s ease both; }
.breadcrumb { display: flex; align-items: center; gap: 8px; margin-bottom: 22px; }
.breadcrumb a { font-size: 12px; color: var(--w25); transition: color var(--ease); }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb .sep { font-size: 10px; color: var(--w25); }
.hero-eyebrow {
  font-size: 11px; font-weight: 600; letter-spacing: 3px; text-transform: uppercase;
  color: var(--gold); margin-bottom: 28px; display: flex; align-items: center; gap: 12px;
}
.hero-eyebrow::before { content: ''; display: block; width: 28px; height: 1px; background: var(--gold); }
.hero h1 {
  font-family: var(--font-d);
  font-size: clamp(40px,5.5vw,72px);
  font-weight: 300; line-height: 1.08; letter-spacing: -1.5px;
  color: var(--white); margin-bottom: 26px;
}
.hero h1 em { font-style: italic; color: var(--gold-light); }
.hero-sub {
  font-size: 17px; font-weight: 300; color: var(--w65);
  max-width: 560px; line-height: 1.88; margin-bottom: 40px;
}
.hero-sub strong { color: white; font-weight: 500; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-stats {
  display: flex; gap: 44px; flex-wrap: wrap;
  margin-top: 52px; padding-top: 44px;
  border-top: 1px solid rgba(255,255,255,0.06);
}
.h-stat { display: flex; flex-direction: column; gap: 5px; }
.h-stat-num { font-family: var(--font-d); font-size: 36px; font-weight: 600; color: var(--gold); line-height: 1; }
.h-stat-lbl { font-size: 12px; font-weight: 300; color: var(--w55); line-height: 1.5; max-width: 150px; }

/* ─────────────────────────────────────
   PHILOSOPHY PIVOT BAND
───────────────────────────────────── */
.philosophy-band {
  padding: 80px 24px;
  background: linear-gradient(135deg, #020810, #06101E 50%, #020810);
  border-top: 1px solid rgba(201,168,76,0.10);
  border-bottom: 1px solid rgba(201,168,76,0.10);
  text-align: center; position: relative; overflow: hidden;
}
.philosophy-band::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 65% 90% at 50% 50%, rgba(201,168,76,0.045) 0%, transparent 65%);
  pointer-events: none;
}
.pb-inner { position: relative; max-width: 820px; margin: 0 auto; }
.pb-rule { width: 1px; height: 48px; background: linear-gradient(to bottom, transparent, rgba(201,168,76,0.6), transparent); margin: 0 auto 28px; }
.pb-tag { font-size: 10px; font-weight: 600; letter-spacing: 4px; text-transform: uppercase; color: var(--gold); opacity: 0.7; margin-bottom: 24px; display: block; }
.pb-headline {
  font-family: var(--font-d);
  font-size: clamp(30px,4.5vw,58px);
  font-weight: 300; line-height: 1.12; letter-spacing: -1px;
  color: var(--white); margin-bottom: 22px;
}
.pb-headline em { font-style: italic; color: var(--gold-light); }
.pb-body { font-size: 17px; font-weight: 300; color: var(--w65); line-height: 1.88; max-width: 660px; margin: 0 auto; }
.pb-body strong { color: white; font-weight: 500; }

/* ─────────────────────────────────────
   5 PILLARS — Why Planning Matters
───────────────────────────────────── */
.pillars-section { padding: var(--sp); background: var(--navy-mid); }
.pillars-intro { max-width: 640px; margin-bottom: 56px; }
.pillars-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(210px,1fr)); gap: 18px; }
.pillar-card {
  background: var(--navy-deep); border: 1px solid rgba(255,255,255,0.06);
  border-radius: var(--rlg); padding: 36px 28px;
  position: relative; overflow: hidden;
  display: flex; flex-direction: column; align-items: flex-start;
  transition: border-color var(--ease), transform var(--ease), box-shadow var(--ease);
}
.pillar-card::before {
  content: ''; position: absolute; inset: 0; border-radius: var(--rlg);
  background: linear-gradient(160deg, rgba(201,168,76,0.05) 0%, transparent 50%);
  opacity: 0; transition: opacity var(--ease);
}
.pillar-card:hover { border-color: var(--gold-border); transform: translateY(-6px); box-shadow: 0 26px 60px rgba(0,0,0,0.40); }
.pillar-card:hover::before { opacity: 1; }
.pillar-icon {
  width: 52px; height: 52px; border-radius: 50%;
  background: var(--gold-dim); border: 1px solid var(--gold-border);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 22px; flex-shrink: 0;
  transition: background var(--ease);
  animation: pulseGold 4s ease-in-out infinite;
}
.pillar-card:hover .pillar-icon { background: rgba(201,168,76,0.22); }
.pillar-icon svg { width: 24px; height: 24px; stroke: var(--gold); fill: none; stroke-width: 1.5; }
.pillar-card h3 { font-family: var(--font-d); font-size: 21px; font-weight: 600; color: var(--white); margin-bottom: 10px; line-height: 1.2; }
.pillar-card p { font-size: 13px; font-weight: 300; color: var(--w55); line-height: 1.78; flex: 1; }
.pillar-example {
  margin-top: 16px; width: 100%; padding: 12px 14px;
  background: rgba(201,168,76,0.06); border-left: 2px solid var(--gold);
  border-radius: 0 var(--rsm) var(--rsm) 0;
  font-size: 12px; color: var(--gold-light); font-style: italic; line-height: 1.6;
}
.pillar-example strong { font-style: normal; color: var(--gold); }

/* ─────────────────────────────────────
   3 GOAL HORIZONS
───────────────────────────────────── */
.horizons-section { padding: var(--sp); background: var(--navy-deep); }
.horizons-intro { max-width: 640px; margin-bottom: 56px; }
.horizons-stack { display: flex; flex-direction: column; gap: 20px; }
.horizon-band {
  border-radius: var(--rlg); overflow: hidden;
  border: 1px solid rgba(255,255,255,0.06);
  transition: border-color var(--ease), transform var(--ease), box-shadow var(--ease);
}
.horizon-band:hover { transform: translateY(-3px); box-shadow: 0 22px 56px rgba(0,0,0,0.38); }
.horizon-band.short  { border-color: var(--amber-border); }
.horizon-band.medium { border-color: var(--blue-border);  }
.horizon-band.long   { border-color: var(--green-border); }
.horizon-band.short:hover  { border-color: var(--amber-txt); }
.horizon-band.medium:hover { border-color: var(--blue-accent); }
.horizon-band.long:hover   { border-color: var(--green-txt); }
.horizon-inner { display: grid; grid-template-columns: 220px 1fr; gap: 0; }
.horizon-left {
  padding: 40px 36px;
  border-right: 1px solid rgba(255,255,255,0.05);
  display: flex; flex-direction: column; justify-content: center;
}
.short  .horizon-left { background: var(--amber-dim); }
.medium .horizon-left { background: var(--blue-dim);  }
.long   .horizon-left { background: var(--green-dim); }
.horizon-tag { font-size: 10px; font-weight: 600; letter-spacing: 2.5px; text-transform: uppercase; margin-bottom: 10px; }
.short  .horizon-tag { color: var(--amber-txt); }
.medium .horizon-tag { color: var(--blue-accent); }
.long   .horizon-tag { color: var(--green-txt); }
.horizon-period { font-family: var(--font-d); font-size: 42px; font-weight: 600; line-height: 1; margin-bottom: 8px; }
.short  .horizon-period { color: var(--amber-txt); }
.medium .horizon-period { color: var(--blue-accent); }
.long   .horizon-period { color: var(--green-txt); }
.horizon-range { font-size: 13px; font-weight: 300; color: var(--w55); line-height: 1.5; }
.horizon-right { background: var(--navy-card); padding: 40px 44px; }
.horizon-title { font-family: var(--font-d); font-size: 23px; font-weight: 600; color: var(--white); margin-bottom: 10px; }
.horizon-desc { font-size: 14px; font-weight: 300; color: var(--w55); line-height: 1.78; margin-bottom: 18px; }
.horizon-tags { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 14px; }
.htag {
  font-size: 11.5px; font-weight: 500; padding: 5px 13px;
  border-radius: 20px; letter-spacing: 0.3px;
}
.short  .htag { background: var(--amber-dim); color: var(--amber-txt); border: 1px solid var(--amber-border); }
.medium .htag { background: var(--blue-dim);  color: var(--blue-accent); border: 1px solid var(--blue-border); }
.long   .htag { background: var(--green-dim); color: var(--green-txt);  border: 1px solid var(--green-border); }
.horizon-note { font-size: 12.5px; font-weight: 300; color: var(--w35); font-style: italic; line-height: 1.6; }

/* ─────────────────────────────────────
   DANGERS OF RANDOM INVESTING
───────────────────────────────────── */
.danger-section { padding: var(--sp); background: var(--navy-mid); }
.danger-intro { max-width: 640px; margin-bottom: 52px; }
.danger-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(290px,1fr)); gap: 20px; }
.danger-card {
  background: var(--red-dim); border: 1px solid var(--red-border);
  border-radius: var(--rlg); padding: 32px 28px;
  transition: transform var(--ease), box-shadow var(--ease);
}
.danger-card:hover { transform: translateY(-4px); box-shadow: 0 20px 52px rgba(0,0,0,0.36); }
.danger-num { font-family: var(--font-d); font-size: 42px; font-weight: 700; color: var(--red-txt); opacity: 0.4; line-height: 1; margin-bottom: 12px; }
.danger-card h3 { font-family: var(--font-d); font-size: 21px; font-weight: 600; color: var(--white); margin-bottom: 10px; }
.danger-card p { font-size: 13.5px; font-weight: 300; color: var(--w55); line-height: 1.75; }
.danger-outcome { margin-top: 14px; padding: 11px 14px; background: rgba(255,80,80,0.10); border-left: 2px solid var(--red-txt); border-radius: 0 var(--rsm) var(--rsm) 0; font-size: 12.5px; color: var(--red-txt); line-height: 1.6; }

/* ─────────────────────────────────────
   4 LIFE GOAL ROWS
───────────────────────────────────── */
.goals-section { padding: var(--sp); background: var(--navy-deep); }
.goals-intro { max-width: 640px; margin-bottom: 56px; }
.goals-stack { display: flex; flex-direction: column; gap: 20px; }
.goal-row {
  display: grid; grid-template-columns: 260px 1fr;
  gap: 0; border-radius: var(--rlg);
  border: 1px solid rgba(255,255,255,0.06); overflow: hidden;
  transition: border-color var(--ease), transform var(--ease), box-shadow var(--ease);
}
.goal-row:hover { border-color: var(--gold-border); transform: translateY(-4px); box-shadow: 0 24px 58px rgba(0,0,0,0.38); }
.goal-left {
  background: var(--navy-card); padding: 40px 34px;
  border-right: 1px solid rgba(255,255,255,0.05);
  display: flex; flex-direction: column; justify-content: center;
}
.goal-icon-ring {
  width: 58px; height: 58px; border-radius: 50%;
  background: var(--gold-dim); border: 1px solid var(--gold-border);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px; transition: background var(--ease);
}
.goal-row:hover .goal-icon-ring { background: rgba(201,168,76,0.22); }
.goal-icon-ring svg { width: 26px; height: 26px; stroke: var(--gold); fill: none; stroke-width: 1.5; }
.goal-left h3 { font-family: var(--font-d); font-size: 26px; font-weight: 600; color: var(--white); margin-bottom: 8px; }
.goal-horizon-tag { font-size: 11px; font-weight: 500; letter-spacing: 1.5px; text-transform: uppercase; color: var(--gold); opacity: 0.75; }
.goal-right { background: var(--navy-mid); padding: 40px 44px; }
.goal-right p { font-size: 14.5px; font-weight: 300; color: var(--w55); line-height: 1.82; margin-bottom: 20px; }
.goal-instruments { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 18px; }
.gi-tag { font-size: 11.5px; font-weight: 500; padding: 5px 13px; border-radius: 20px; background: var(--gold-dim); color: var(--gold); border: 1px solid var(--gold-border); }
.goal-insight { padding: 14px 16px; background: rgba(201,168,76,0.06); border-left: 2px solid var(--gold); border-radius: 0 var(--rsm) var(--rsm) 0; font-size: 12.5px; color: var(--gold-light); font-style: italic; line-height: 1.65; }
.goal-insight strong { font-style: normal; color: var(--gold); }

/* ─────────────────────────────────────
   DISCIPLINED INVESTING FRAMEWORK
───────────────────────────────────── */
.discipline-section { padding: var(--sp); background: var(--navy-mid); }
.discipline-intro { max-width: 640px; margin-bottom: 56px; }
.discipline-steps { display: grid; grid-template-columns: repeat(auto-fit,minmax(185px,1fr)); gap: 0; position: relative; }
.discipline-steps::before {
  content: ''; position: absolute;
  top: 38px; left: 8%; right: 8%; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold-border), transparent);
  pointer-events: none;
}
.disc-step { display: flex; flex-direction: column; align-items: center; text-align: center; padding: 0 16px 36px; }
.disc-circle {
  width: 76px; height: 76px; border-radius: 50%;
  border: 1px solid var(--gold-border); background: var(--navy-card);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 24px; position: relative; z-index: 1;
  transition: background var(--ease), border-color var(--ease), box-shadow var(--ease);
}
.disc-step:hover .disc-circle { background: var(--gold-dim); border-color: var(--gold); box-shadow: 0 0 0 8px rgba(201,168,76,0.06); }
.disc-circle svg { width: 28px; height: 28px; stroke: var(--gold); fill: none; stroke-width: 1.5; }
.disc-step h4 { font-family: var(--font-d); font-size: 19px; font-weight: 600; color: var(--white); margin-bottom: 10px; }
.disc-step p { font-size: 13px; font-weight: 300; color: var(--w55); line-height: 1.72; }

/* ─────────────────────────────────────
   INFLATION AWARENESS
───────────────────────────────────── */
.inflation-section { padding: var(--sp); background: var(--navy-deep); }
.inflation-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; margin-top: 52px; }
.infl-lead { font-family: var(--font-d); font-size: clamp(22px,2.6vw,34px); font-weight: 300; line-height: 1.35; color: var(--w85); margin-bottom: 22px; }
.infl-body { font-size: 15px; font-weight: 300; color: var(--w55); line-height: 1.85; margin-bottom: 24px; }
.infl-bars { display: flex; flex-direction: column; gap: 22px; }
.infl-bar-item { }
.infl-bar-label { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 9px; }
.infl-bar-name { font-size: 13px; font-weight: 400; color: var(--w65); }
.infl-bar-val { font-family: var(--font-d); font-size: 22px; font-weight: 600; color: var(--gold); }
.infl-bar-track { height: 6px; background: rgba(255,255,255,0.07); border-radius: 3px; overflow: hidden; }
.infl-bar-fill {
  height: 100%; border-radius: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  width: 0;
  transition: width 1.4s cubic-bezier(0.4,0,0.2,1) 0.2s;
}
.infl-bar-fill.animated { width: var(--tw); }
.infl-note {
  margin-top: 24px; padding: 16px 18px;
  background: rgba(201,168,76,0.06); border: 1px solid var(--gold-border);
  border-radius: var(--rmd); font-size: 13px; font-weight: 300; color: var(--w55); line-height: 1.7;
}
.infl-note strong { color: var(--gold); font-weight: 500; }

/* ─────────────────────────────────────
   PROFESSIONAL QUOTE
───────────────────────────────────── */
.quote-section { padding: var(--sp); background: var(--navy-mid); }
.quote-card {
  background: var(--navy-deep); border: 1px solid var(--gold-border);
  border-radius: var(--rlg); padding: 56px 60px;
  position: relative; overflow: hidden; max-width: 900px; margin: 0 auto;
}
.quote-card::before {
  content: '\201C'; position: absolute; top: -14px; left: 32px;
  font-family: var(--font-d); font-size: 150px; color: var(--gold);
  opacity: 0.07; line-height: 1; pointer-events: none;
}
.q-label { font-size: 10px; font-weight: 600; letter-spacing: 3px; text-transform: uppercase; color: var(--gold); margin-bottom: 20px; }
.q-text { font-family: var(--font-d); font-size: clamp(19px,2.3vw,26px); font-weight: 300; font-style: italic; color: var(--w85); line-height: 1.7; }
.q-sig { margin-top: 26px; font-size: 13px; font-weight: 400; color: var(--gold); letter-spacing: 0.5px; }

/* ─────────────────────────────────────
   CTA
───────────────────────────────────── */
.page-cta {
  padding: var(--sp); background: var(--navy-deep);
  text-align: center; position: relative; overflow: hidden;
}
.cta-glow {
  position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%);
  width: 800px; height: 500px;
  background: radial-gradient(ellipse, rgba(201,168,76,0.08) 0%, transparent 65%);
  pointer-events: none;
}
.page-cta .section-label { display: block; }
.page-cta h2 {
  font-family: var(--font-d); font-size: clamp(34px,5vw,66px);
  font-weight: 300; line-height: 1.1; color: var(--white);
  max-width: 780px; margin: 0 auto 22px;
}
.page-cta h2 em { font-style: italic; color: var(--gold-light); }
.cta-sub { font-size: 16px; font-weight: 300; color: var(--w55); margin-bottom: 44px; max-width: 540px; margin-left: auto; margin-right: auto; }
.cta-btns { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; margin-bottom: 22px; }
.cta-disclaimer { font-size: 11px; color: var(--w25); letter-spacing: 0.5px; }

/* ─────────────────────────────────────
   FOOTER
───────────────────────────────────── */
.footer { background: var(--navy-deep); border-top: 1px solid rgba(201,168,76,0.12); padding: 60px 24px 28px; }
.footer-inner { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 44px; margin-bottom: 48px; }
.footer-brand { font-family: var(--font-d); font-size: 19px; font-weight: 600; color: var(--white); margin-bottom: 10px; }
.footer-brand span { color: var(--gold); }
.footer-tagline { font-size: 13px; font-weight: 300; color: var(--w55); line-height: 1.7; margin-bottom: 22px; max-width: 240px; }
.footer-social { display: flex; gap: 10px; }
.social-btn { width: 34px; height: 34px; border: 1px solid rgba(255,255,255,0.1); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: var(--w55); font-size: 12px; cursor: pointer; transition: border-color var(--ease), color var(--ease), background var(--ease); }
.social-btn:hover { border-color: var(--gold); color: var(--gold); background: var(--gold-dim); }
.footer-col h4 { font-size: 10.5px; font-weight: 600; letter-spacing: 2.5px; text-transform: uppercase; color: var(--gold); margin-bottom: 18px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 11px; }
.footer-col ul li a { font-size: 13px; font-weight: 300; color: var(--w55); transition: color var(--ease); }
.footer-col ul li a:hover { color: var(--white); }
.footer-contact-item { display: flex; flex-direction: column; gap: 3px; margin-bottom: 12px; }
.footer-contact-item span { font-size: 10px; letter-spacing: 1.5px; text-transform: uppercase; color: var(--gold); font-weight: 500; }
.footer-contact-item a { font-size: 13px; font-weight: 300; color: var(--w55); transition: color var(--ease); }
.footer-contact-item a:hover { color: var(--white); }
.footer-bottom { padding-top: 24px; border-top: 1px solid rgba(255,255,255,0.05); display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 14px; }
.footer-copy { font-size: 11.5px; font-weight: 300; color: var(--w25); }
.footer-legal { display: flex; gap: 18px; }
.footer-legal a { font-size: 11.5px; color: var(--w25); transition: color var(--ease); }
.footer-legal a:hover { color: var(--w55); }
.footer-reg { font-size: 10.5px; font-weight: 300; color: var(--w25); text-align: center; margin-top: 14px; line-height: 1.6; }

/* ─────────────────────────────────────
   RESPONSIVE
───────────────────────────────────── */
@media (max-width: 960px) {
  .navbar { padding: 0 20px; }
  .nav-links { display: none; }
  .nav-links.open { display: flex; flex-direction: column; position: fixed; top: 72px; left: 0; right: 0; background: rgba(5,13,26,0.98); padding: 28px 24px 36px; gap: 24px; border-bottom: 1px solid rgba(201,168,76,0.12); z-index: 999; }
  .nav-cta { display: none; }
  .nav-hamburger { display: flex; }
  .horizon-inner { grid-template-columns: 1fr; }
  .horizon-left { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.05); }
  .goal-row { grid-template-columns: 1fr; }
  .goal-left { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.05); }
  .inflation-inner { grid-template-columns: 1fr; gap: 48px; }
  .discipline-steps { grid-template-columns: 1fr 1fr; }
  .discipline-steps::before { display: none; }
  .footer-inner { grid-template-columns: 1fr 1fr; gap: 32px; }
  :root { --sp: 68px 20px; }
}
@media (max-width: 640px) {
  .hero-actions, .cta-btns { flex-direction: column; align-items: stretch; }
  .btn-primary, .btn-ghost { text-align: center; }
  .hero-stats { gap: 24px; }
  .pillars-grid { grid-template-columns: 1fr; }
  .discipline-steps { grid-template-columns: 1fr; }
  .quote-card { padding: 40px 28px; }
  .footer-inner { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
}