/* ============================================================
   Financial Safeguard Consulting
   term-insurance.css — Complete Self-Contained Styles
   ============================================================ */

@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);
  --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(72,199,142,0.25);
  --green-txt:    #48C78E;
  --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 ── */
*, *::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; }

/* ── Typography Helpers ── */
.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(32px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes floatSlow {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-16px); }
}
@keyframes pulseRing {
  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); }
.reveal-l { opacity: 0; transform: translateX(-24px); transition: opacity .75s ease, transform .75s ease; }
.reveal-l.visible { opacity: 1; transform: translateX(0); }
.reveal-r { opacity: 0; transform: translateX(24px); transition: opacity .75s ease, transform .75s ease; }
.reveal-r.visible { opacity: 1; transform: translateX(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;
  transition: background var(--ease), transform var(--ease), box-shadow var(--ease);
  display: inline-block;
}
.btn-primary:hover { background: var(--gold-light); transform: translateY(-2px); box-shadow: 0 12px 38px 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;
  transition: border-color var(--ease), color var(--ease), transform var(--ease);
  display: inline-block;
}
.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); }

/* ═══════════════════════════════════════
   CINEMATIC STORY HERO
═══════════════════════════════════════ */
.story-hero {
  min-height: 100vh; display: flex; align-items: center;
  padding: 130px 24px 90px; position: relative; overflow: hidden;
}
.hero-bg {
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 55% 80% at 75% 25%, rgba(201,168,76,0.07) 0%, transparent 55%),
    radial-gradient(ellipse 70% 60% at 10% 85%, rgba(11,25,41,0.85) 0%, transparent 55%),
    linear-gradient(158deg, #030A14 0%, var(--navy-deep) 45%, #071220 100%);
}
.hero-vignette {
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 90% 85% at 50% 50%, transparent 35%, rgba(3,10,20,0.7) 100%);
  pointer-events: none;
}
.hero-grid {
  position: absolute; inset: 0;
  background-image: linear-gradient(rgba(201,168,76,0.034) 1px, transparent 1px), linear-gradient(90deg, rgba(201,168,76,0.034) 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%);
}
.hero-orb-gold {
  position: absolute; width: 720px; height: 720px; border-radius: 50%;
  background: radial-gradient(circle, rgba(201,168,76,0.055) 0%, transparent 65%);
  top: -160px; right: -180px; pointer-events: none;
  animation: floatSlow 14s ease-in-out infinite;
}
.hero-orb-dark {
  position: absolute; width: 420px; height: 420px; border-radius: 50%;
  background: radial-gradient(circle, rgba(11,25,41,0.8) 0%, transparent 70%);
  bottom: -60px; left: -80px; pointer-events: none;
}
.hero-inner {
  position: relative;
  display: grid; grid-template-columns: 1.05fr 0.95fr;
  gap: 72px; align-items: center; width: 100%;
}

/* Hero Left — Story Text */
.hero-left { 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-headline {
  font-family: var(--font-d);
  font-size: clamp(40px, 5.2vw, 68px);
  font-weight: 300; line-height: 1.08; letter-spacing: -1.5px;
  color: var(--white); margin-bottom: 28px;
}
.hero-headline em { font-style: italic; color: var(--gold-light); }
.hero-story-text {
  font-size: 17px; font-weight: 300; color: var(--w65);
  line-height: 1.9; margin-bottom: 36px; max-width: 500px;
}
.hero-story-text strong { color: rgba(255,255,255,0.95); font-weight: 400; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* Hero Right — Family Portrait Card */
.hero-right { animation: fadeUp 1s ease 0.18s both; }
.family-card {
  background: var(--navy-card); border: 1px solid rgba(255,255,255,0.07);
  border-radius: 24px; padding: 40px 36px; position: relative; overflow: hidden;
}
.family-card::before {
  content: ''; position: absolute; inset: 0; border-radius: 24px;
  background: linear-gradient(135deg, rgba(201,168,76,0.07) 0%, transparent 52%);
}
.family-card-label {
  font-size: 10px; font-weight: 600; letter-spacing: 3px; text-transform: uppercase;
  color: var(--gold); opacity: 0.75; margin-bottom: 26px; position: relative;
}
.portrait-list { display: flex; flex-direction: column; position: relative; }
.portrait-row {
  display: flex; align-items: center; gap: 14px;
  padding: 15px 0; border-bottom: 1px solid rgba(255,255,255,0.05);
}
.portrait-row:last-of-type { border-bottom: none; }
.portrait-icon-ring {
  width: 38px; height: 38px; border-radius: 50%;
  background: var(--gold-dim); border: 1px solid var(--gold-border);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.portrait-icon-ring svg { width: 16px; height: 16px; stroke: var(--gold); fill: none; stroke-width: 1.5; }
.portrait-text strong { display: block; font-size: 14px; font-weight: 500; color: var(--white); }
.portrait-text span { font-size: 12.5px; font-weight: 300; color: var(--w55); }
.expense-row {
  margin-top: 22px; padding: 18px 20px;
  background: rgba(201,168,76,0.07); border: 1px solid var(--gold-border); border-radius: var(--rmd);
  display: flex; justify-content: space-between; align-items: center;
}
.expense-label { font-size: 12px; color: var(--w55); }
.expense-value { font-family: var(--font-d); font-size: 30px; font-weight: 600; color: var(--gold); }
.dreams-block { margin-top: 20px; }
.dreams-title { font-size: 10.5px; font-weight: 600; letter-spacing: 2px; text-transform: uppercase; color: var(--w35); margin-bottom: 12px; }
.dreams-list { list-style: none; display: flex; flex-direction: column; gap: 9px; }
.dreams-list li { display: flex; align-items: center; gap: 10px; font-size: 13px; font-weight: 300; color: var(--w65); }
.dream-dot { width: 5px; height: 5px; border-radius: 50%; background: var(--gold); flex-shrink: 0; }

/* ═══════════════════════════════════════
   PIVOT — "NOW IMAGINE..."
═══════════════════════════════════════ */
.pivot-section { background: var(--navy-deep); position: relative; overflow: hidden; }
.pivot-band {
  padding: 90px 24px;
  background: linear-gradient(135deg, #020810, #06101E 50%, #020810);
  border-top: 1px solid rgba(201,168,76,0.1); border-bottom: 1px solid rgba(201,168,76,0.1);
  text-align: center; position: relative;
}
.pivot-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%);
}
.pivot-inner { position: relative; max-width: 820px; margin: 0 auto; }
.pivot-rule { width: 1px; height: 56px; background: linear-gradient(to bottom, transparent, rgba(201,168,76,0.6), transparent); margin: 0 auto 32px; }
.pivot-tag { font-size: 10px; font-weight: 600; letter-spacing: 4px; text-transform: uppercase; color: var(--gold); opacity: 0.7; margin-bottom: 28px; display: block; }
.pivot-headline {
  font-family: var(--font-d);
  font-size: clamp(38px, 5.8vw, 74px);
  font-weight: 300; line-height: 1.07; letter-spacing: -1.5px;
  color: var(--white); margin-bottom: 28px;
}
.pivot-headline em { font-style: italic; color: var(--gold-light); }
.pivot-body { font-size: 18px; font-weight: 300; color: var(--w65); line-height: 1.9; max-width: 650px; margin: 0 auto 16px; }
.pivot-body strong { color: rgba(255,255,255,0.92); font-weight: 500; }
.pivot-sub { font-family: var(--font-d); font-size: 20px; font-style: italic; font-weight: 300; color: var(--w55); max-width: 560px; margin: 16px auto 0; line-height: 1.7; }
.pivot-sep { display: flex; align-items: center; gap: 16px; max-width: 260px; margin: 36px auto; }
.psep-line { flex: 1; height: 1px; background: linear-gradient(to right, transparent, rgba(201,168,76,0.35)); }
.psep-line.rev { background: linear-gradient(to left, transparent, rgba(201,168,76,0.35)); }
.psep-dot { width: 7px; height: 7px; border-radius: 50%; border: 1px solid var(--gold); opacity: 0.6; }

/* ═══════════════════════════════════════
   EMOTIONAL TRUTH — 3 PILLARS
═══════════════════════════════════════ */
.truth-section { padding: var(--sp); background: var(--navy-mid); }
.truth-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; margin-top: 52px; }
.truth-card {
  background: var(--navy-deep); border: 1px solid rgba(255,255,255,0.06);
  border-radius: var(--rlg); padding: 42px 32px; text-align: center;
  position: relative; overflow: hidden;
  transition: border-color var(--ease), transform var(--ease), box-shadow var(--ease);
}
.truth-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);
}
.truth-card:hover { border-color: var(--gold-border); transform: translateY(-6px); box-shadow: 0 28px 64px rgba(0,0,0,0.42); }
.truth-card:hover::before { opacity: 1; }
.truth-icon-ring {
  width: 68px; height: 68px; border-radius: 50%;
  border: 1px solid var(--gold-border); background: var(--gold-dim);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 26px;
  transition: background var(--ease);
  animation: pulseRing 4s ease-in-out infinite;
}
.truth-card:hover .truth-icon-ring { background: rgba(201,168,76,0.22); }
.truth-icon-ring svg { width: 28px; height: 28px; stroke: var(--gold); fill: none; stroke-width: 1.5; }
.truth-card h3 { font-family: var(--font-d); font-size: 24px; font-weight: 600; color: var(--white); margin-bottom: 14px; line-height: 1.2; }
.truth-card p { font-size: 14px; font-weight: 300; color: var(--w55); line-height: 1.82; }
.truth-accent {
  margin-top: 20px; padding: 13px 15px;
  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; text-align: left; line-height: 1.65;
}

/* ═══════════════════════════════════════
   WHY TERM / HLV CONCEPT
═══════════════════════════════════════ */
.hlv-section { padding: var(--sp); background: var(--navy-deep); }
.hlv-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: start; margin-top: 56px; }
.hlv-sticky { position: sticky; top: 96px; }
.hlv-lead { font-family: var(--font-d); font-size: clamp(22px, 2.6vw, 33px); font-weight: 300; line-height: 1.38; color: var(--w85); margin-bottom: 22px; }
.hlv-body { font-size: 15px; font-weight: 300; color: var(--w55); line-height: 1.85; margin-bottom: 24px; }
.hlv-formula { background: var(--navy-card); border: 1px solid var(--gold-border); border-radius: var(--rmd); padding: 28px; }
.formula-label { font-size: 10px; font-weight: 600; letter-spacing: 2.5px; text-transform: uppercase; color: var(--gold); margin-bottom: 14px; }
.formula-eq { font-family: var(--font-d); font-size: 17px; color: var(--w85); line-height: 1.75; }
.formula-eq em { font-style: italic; color: var(--gold-light); }
.formula-example { margin-top: 14px; padding: 13px; background: rgba(201,168,76,0.06); border-radius: var(--rsm); font-size: 13px; color: var(--w55); line-height: 1.65; }
.formula-example strong { color: var(--gold); }
.hlv-cards { display: flex; flex-direction: column; gap: 16px; }
.hlv-card {
  background: var(--navy-card); border: 1px solid rgba(255,255,255,0.06);
  border-radius: var(--rmd); padding: 26px 24px;
  display: flex; gap: 18px; align-items: flex-start;
  transition: border-color var(--ease), transform var(--ease);
}
.hlv-card:hover { border-color: var(--gold-border); transform: translateX(5px); }
.hlv-card-num { font-family: var(--font-d); font-size: 38px; font-weight: 600; color: var(--gold); line-height: 1; flex-shrink: 0; min-width: 48px; }
.hlv-card-body h4 { font-family: var(--font-d); font-size: 20px; font-weight: 600; color: var(--white); margin-bottom: 8px; }
.hlv-card-body p { font-size: 13.5px; font-weight: 300; color: var(--w55); line-height: 1.75; }

/* ═══════════════════════════════════════
   WITHOUT TERM INSURANCE — RED TIMELINE
═══════════════════════════════════════ */
.without-section { padding: var(--sp); background: var(--navy-mid); }
.without-intro { max-width: 620px; margin-bottom: 52px; }
.red-timeline { display: flex; flex-direction: column; position: relative; }
.red-timeline::before {
  content: ''; position: absolute; left: 27px; top: 8px; bottom: 8px; width: 1px;
  background: linear-gradient(to bottom, var(--red-border), rgba(255,80,80,0.04));
}
.rt-item { display: flex; gap: 28px; padding-bottom: 40px; position: relative; }
.rt-item:last-child { padding-bottom: 0; }
.rt-node {
  width: 54px; height: 54px; border-radius: 50%; flex-shrink: 0;
  border: 1px solid var(--red-border); background: var(--red-dim);
  display: flex; align-items: center; justify-content: center; position: relative; z-index: 1;
  transition: background var(--ease);
}
.rt-item:hover .rt-node { background: rgba(255,80,80,0.14); }
.rt-node svg { width: 22px; height: 22px; stroke: var(--red-txt); fill: none; stroke-width: 1.5; }
.rt-body { padding-top: 8px; flex: 1; }
.rt-time { font-size: 10.5px; font-weight: 600; letter-spacing: 2px; text-transform: uppercase; color: var(--red-txt); opacity: 0.8; margin-bottom: 8px; }
.rt-body h4 { font-family: var(--font-d); font-size: 21px; font-weight: 600; color: var(--white); margin-bottom: 8px; }
.rt-body p { font-size: 14px; font-weight: 300; color: var(--w55); line-height: 1.78; }
.rt-impact {
  margin-top: 12px; padding: 12px 14px;
  background: var(--red-dim); 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;
}

/* ═══════════════════════════════════════
   WITH RIGHT COVERAGE — GREEN TIMELINE
═══════════════════════════════════════ */
.with-section { padding: var(--sp); background: var(--navy-deep); }
.with-intro { max-width: 620px; margin-bottom: 52px; }
.green-timeline { display: flex; flex-direction: column; position: relative; }
.green-timeline::before {
  content: ''; position: absolute; left: 27px; top: 8px; bottom: 8px; width: 1px;
  background: linear-gradient(to bottom, var(--green-border), rgba(72,199,142,0.04));
}
.gt-item { display: flex; gap: 28px; padding-bottom: 40px; position: relative; }
.gt-item:last-child { padding-bottom: 0; }
.gt-node {
  width: 54px; height: 54px; border-radius: 50%; flex-shrink: 0;
  border: 1px solid var(--green-border); background: var(--green-dim);
  display: flex; align-items: center; justify-content: center; position: relative; z-index: 1;
  transition: background var(--ease), border-color var(--ease);
}
.gt-item:hover .gt-node { background: rgba(72,199,142,0.18); border-color: var(--green-txt); }
.gt-node svg { width: 22px; height: 22px; stroke: var(--green-txt); fill: none; stroke-width: 1.5; }
.gt-body { padding-top: 8px; flex: 1; }
.gt-time { font-size: 10.5px; font-weight: 600; letter-spacing: 2px; text-transform: uppercase; color: var(--green-txt); opacity: 0.85; margin-bottom: 8px; }
.gt-body h4 { font-family: var(--font-d); font-size: 21px; font-weight: 600; color: var(--white); margin-bottom: 8px; }
.gt-body p { font-size: 14px; font-weight: 300; color: var(--w55); line-height: 1.78; }
.gt-outcome {
  margin-top: 12px; padding: 12px 14px;
  background: var(--green-dim); border-left: 2px solid var(--green-txt);
  border-radius: 0 var(--rsm) var(--rsm) 0;
  font-size: 12.5px; color: var(--green-txt); line-height: 1.6;
}

/* ═══════════════════════════════════════
   HLV CALCULATOR
═══════════════════════════════════════ */
.calc-section { padding: 64px 24px; background: var(--navy-mid); border-top: 1px solid rgba(201,168,76,0.08); }
.calc-card {
  max-width: 860px; margin: 0 auto;
  background: var(--navy-deep); border: 1px solid var(--gold-border);
  border-radius: var(--rlg); padding: 50px 52px; position: relative; overflow: hidden;
}
.calc-card::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 55% 70% at 80% 50%, rgba(201,168,76,0.05) 0%, transparent 60%);
}
.calc-inner { position: relative; }
.calc-label { font-size: 10.5px; font-weight: 600; letter-spacing: 3px; text-transform: uppercase; color: var(--gold); margin-bottom: 14px; }
.calc-title { font-family: var(--font-d); font-size: clamp(24px, 2.8vw, 36px); font-weight: 300; color: var(--white); margin-bottom: 8px; }
.calc-title em { font-style: italic; color: var(--gold-light); }
.calc-sub { font-size: 14px; font-weight: 300; color: var(--w55); margin-bottom: 36px; }
.calc-fields { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-bottom: 28px; }
.calc-group { display: flex; flex-direction: column; gap: 8px; }
.calc-group label { font-size: 11px; font-weight: 500; letter-spacing: 1px; text-transform: uppercase; color: var(--w55); }
.calc-group input {
  background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--rsm); padding: 12px 16px;
  color: var(--white); font-family: var(--font-b); font-size: 15px;
  transition: border-color var(--ease), background var(--ease); outline: none; width: 100%;
}
.calc-group input::placeholder { color: var(--w35); }
.calc-group input:focus { border-color: var(--gold-border); background: rgba(201,168,76,0.05); }
.calc-result-band {
  background: rgba(201,168,76,0.08); border: 1px solid var(--gold-border);
  border-radius: var(--rmd); padding: 22px 28px;
  display: flex; justify-content: space-between; align-items: center; gap: 20px; flex-wrap: wrap;
}
.calc-result-lbl { font-size: 13px; font-weight: 300; color: var(--w55); }
.calc-result-val { font-family: var(--font-d); font-size: 36px; font-weight: 600; color: var(--gold); }
.calc-note { margin-top: 14px; font-size: 11.5px; color: var(--w25); line-height: 1.5; }

/* ═══════════════════════════════════════
   PROFESSIONAL QUOTE
═══════════════════════════════════════ */
.quote-section { padding: var(--sp); background: var(--navy-deep); }
.quote-card {
  background: var(--navy-mid); 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;
}
.quote-badge { font-size: 10px; font-weight: 600; letter-spacing: 3px; text-transform: uppercase; color: var(--gold); margin-bottom: 20px; }
.quote-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; }
.quote-sig { margin-top: 26px; font-size: 13px; font-weight: 400; color: var(--gold); letter-spacing: 0.5px; }

/* ═══════════════════════════════════════
   EMOTIONAL CTA
═══════════════════════════════════════ */
.page-cta {
  padding: var(--sp); background: var(--navy-mid);
  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; }
.cta-headline {
  font-family: var(--font-d);
  font-size: clamp(34px, 5vw, 64px);
  font-weight: 300; line-height: 1.12;
  color: var(--white); max-width: 780px; margin: 0 auto 22px;
}
.cta-headline em { font-style: italic; color: var(--gold-light); }
.cta-body { font-size: 16px; font-weight: 300; color: var(--w55); margin-bottom: 44px; max-width: 540px; margin-left: auto; margin-right: auto; }
.cta-pair { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; margin-bottom: 20px; }
.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-name { font-family: var(--font-d); font-size: 19px; font-weight: 600; color: var(--white); margin-bottom: 10px; }
.footer-brand-name 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; transition: border-color var(--ease), color var(--ease), background var(--ease); cursor: pointer; }
.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; }
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero-right { order: -1; }
  .truth-grid { grid-template-columns: 1fr; }
  .hlv-inner { grid-template-columns: 1fr; gap: 48px; }
  .hlv-sticky { position: static; }
  .calc-fields { grid-template-columns: 1fr; }
  .calc-card { padding: 36px 28px; }
  .quote-card { padding: 40px 32px; }
  .footer-inner { grid-template-columns: 1fr 1fr; gap: 32px; }
  :root { --sp: 68px 20px; }
}
@media (max-width: 640px) {
  .hero-actions { flex-direction: column; }
  .btn-primary, .btn-ghost { width: 100%; text-align: center; }
  .cta-pair { flex-direction: column; align-items: center; }
  .cta-pair .btn-primary, .cta-pair .btn-ghost { width: 100%; max-width: 340px; }
  .calc-result-band { flex-direction: column; text-align: center; }
  .footer-inner { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
}