/* ─── TOKENS ─────────────────────────────────────────────── */
:root {
  --navy:       #13395F;
  --navy-deep:  #0d2a47;
  --navy-mid:   #1a4a78;
  --gold:       #ffb839;
  --gold-dark:  #e0941f;
  --gold-deep:  #8a5a12;
  --gold-soft:  #ffe6bc;
  --white:      #faf8f4;
  --off-white:  #eee8db;
  --text:       #2a2f3a;
  --text-light: #5a6070;
  --border:     #ddd8d0;
  --font-title: 'Cambria', 'Cambria Math', Georgia, serif;
  --font-body:  'Poppins', sans-serif;
  --max-w: 1140px;
  --radius: 4px;
  --shadow: 0 4px 24px rgba(19,57,95,.12);
  --nav-h: 64px;
}

/* ─── RESET ──────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: var(--font-body); font-size: 16px; line-height: 1.7; color: var(--text); background: var(--off-white); }
input, textarea { background: #ffffff; }
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }
ul { list-style: none; }

/* ─── UTILITIES ──────────────────────────────────────────── */
.wrap { max-width: var(--max-w); margin: 0 auto; padding: 0 32px; }
.section-label { font-family: var(--font-body); font-size: 11px; font-weight: 600; letter-spacing: .18em; text-transform: uppercase; color: var(--gold-deep); display: block; margin-bottom: 10px; }

/* ─── HEADER ─────────────────────────────────────────────── */
.site-header {
  background: var(--gold);
  position: sticky;
  top: 0;
  z-index: 200;
  box-shadow: 0 2px 16px rgba(19,57,95,.18);
}
.header-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 40px;
  max-width: var(--max-w);
  margin: 0 auto;
  gap: 24px;
  height: var(--nav-h);
}
.logo-link { display: flex; align-items: center; flex-shrink: 0; text-decoration: none; }
.logo-img { height: 3.5rem; width: auto; display: block; }
.site-nav { display: flex; align-items: stretch; gap: 0; margin-left: auto; }
.site-nav a {
  font-family: var(--font-body);
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: rgba(19,57,95,.72);
  padding: 0 14px;
  display: flex;
  align-items: center;
  border-bottom: 3px solid transparent;
  transition: color .18s, background .18s, border-bottom-color .18s;
  white-space: nowrap;
  height: var(--nav-h);
}
.site-nav a:hover { color: var(--navy); background: rgba(19,57,95,.18); border-bottom-color: var(--navy); }
.site-nav a.active { color: var(--white); background: var(--navy); border-bottom-color: transparent; font-weight: 600; padding-left: 14px; padding-right: 14px; }

/* ─── NAV DROPDOWN (Resources) ───────────────────────────── */
.nav-dropdown { position: relative; display: flex; align-items: stretch; }
.nav-dropdown-toggle {
  font-family: var(--font-body);
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: rgba(19,57,95,.72);
  padding: 0 14px;
  display: flex;
  align-items: center;
  gap: 5px;
  border-bottom: 3px solid transparent;
  border-top: none; border-left: none; border-right: none;
  background: none;
  cursor: pointer;
  white-space: nowrap;
  height: var(--nav-h);
  transition: color .18s, background .18s, border-bottom-color .18s;
}
.nav-dropdown-toggle svg { width: 10px; height: 10px; transition: transform .2s; flex-shrink: 0; }
.nav-dropdown:hover .nav-dropdown-toggle,
.nav-dropdown:focus-within .nav-dropdown-toggle { color: var(--navy); background: rgba(19,57,95,.18); border-bottom-color: var(--navy); }
.nav-dropdown:hover .nav-dropdown-toggle svg,
.nav-dropdown:focus-within .nav-dropdown-toggle svg { transform: rotate(180deg); }
.nav-dropdown-toggle.active { color: var(--white); background: var(--navy); }
.nav-dropdown-menu {
  display: none;
  position: absolute;
  top: calc(var(--nav-h) - 3px); /* overlaps button bottom border to close gap */
  right: 0;
  background: var(--navy-deep);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 0 0 var(--radius) var(--radius);
  min-width: 180px;
  box-shadow: 0 8px 24px rgba(0,0,0,.3);
  z-index: 300;
  /* Invisible bridge fills any sub-pixel gap */
  padding-top: 4px;
  margin-top: -4px;
}
.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown:focus-within .nav-dropdown-menu { display: block; }
.nav-dropdown-menu a {
  display: block;
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 400;
  letter-spacing: .05em;
  color: rgba(255,255,255,.88);
  padding: 12px 18px;
  border-bottom: 1px solid rgba(255,255,255,.06);
  text-transform: none;
  height: auto;
  white-space: nowrap;
  transition: color .15s, background .15s;
}
.nav-dropdown-menu a:last-child { border-bottom: none; }
.nav-dropdown-menu a:hover,
.nav-dropdown-menu a.active { color: var(--gold); background: rgba(255,255,255,.05); }

/* ─── HEADER — TRANSPARENT (homepage only) ───────────────── */
/* Retired — solid gold header used sitewide for logo visibility */

/* ─── STATS BAND (below nav, sitewide) ───────────────────── */
.stats-band { background: var(--navy-deep); padding: 8px 40px; }
.stats-band-inner { max-width: var(--max-w); margin: 0 auto; display: flex; align-items: center; justify-content: center; gap: 48px; }
.stats-band-item { display: flex; align-items: baseline; gap: 6px; }
.stats-band-item + .stats-band-item::before { content: '•'; color: var(--gold); opacity: .5; margin-right: 48px; font-size: 12px; }
.stats-band .stat-num { font-family: var(--font-title); font-size: 14px; font-weight: 700; color: var(--gold); }
.stats-band .stat-label { font-size: 12px; font-weight: 400; color: var(--gold); opacity: .85; }
@media (max-width: 600px) { .stats-band-inner { gap: 24px; } .stats-band { padding: 8px 20px; } .stats-band-item + .stats-band-item::before { margin-right: 24px; } }

/* ─── PAGE LEAD (intro text below banner) ────────────────── */
.page-lead { background: var(--off-white); border-bottom: 1px solid var(--border); padding: 48px 32px; }
.page-lead-inner { max-width: var(--max-w); margin: 0 auto; }
.page-lead-inner h2 { font-family: var(--font-title); font-size: clamp(22px,3vw,30px); color: var(--navy); margin-bottom: 14px; }
.page-lead-inner p { font-size: 15px; color: var(--text); font-weight: 300; line-height: 1.8; max-width: 760px; }

/* ─── PAGE BANNER (interior pages) ──────────────────────── */
.page-banner { position: relative; overflow: hidden; padding: 56px 32px 48px; border-bottom: 3px solid var(--gold); }
.page-banner-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center 40%;
}
.page-banner-bg::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(105deg, rgba(10,22,38,.88) 0%, rgba(13,42,71,.80) 40%, rgba(13,42,71,.50) 70%, rgba(13,42,71,.20) 100%);
}
/* page-banner::after removed — no left border accent */
.page-banner-inner { max-width: var(--max-w); margin: 0 auto; position: relative; z-index: 3; }
.page-banner .kicker { font-size: 11px; font-weight: 600; letter-spacing: .22em; text-transform: uppercase; color: var(--gold); display: flex; align-items: center; gap: 12px; margin-bottom: 14px; }
.page-banner .kicker::before { content: ''; display: block; width: 28px; height: 1px; background: var(--gold); }
.page-banner h1 { font-family: var(--font-title); font-size: clamp(26px, 4vw, 40px); color: var(--white); line-height: 1.2; }
.page-banner p { font-size: 15px; color: rgba(255,255,255,.88); margin-top: 12px; max-width: 600px; font-weight: 300; }

/* Continuous photo background — same image, fixed attachment, spans banner + content seamlessly */
.page-banner-bg.photo-fixed,
.section-photo-bg { background-attachment: fixed; background-position: 65% 25%; }
.section-photo-bg {
  position: absolute;
  top: 0;
  bottom: 0;
  left: 50%;
  width: 100vw;
  margin-left: -50vw;
  z-index: 0;
  background-size: cover;
}
.section-photo-bg::before { content: ''; position: absolute; inset: 0; background: rgba(10,22,38,.65); }
.inner-content { position: relative; }
.inner-content > *:not(.section-photo-bg) { position: relative; z-index: 1; }

/* ─── INNER CONTENT ──────────────────────────────────────── */
.inner-content { max-width: var(--max-w); margin: 0 auto; padding: 64px 32px; }
.inner-content h2 { font-family: var(--font-title); font-size: 26px; color: var(--navy); margin-bottom: 16px; margin-top: 40px; }
.inner-content h2:first-child { margin-top: 0; }
.inner-content h3 { font-family: var(--font-title); font-size: 20px; color: var(--navy); margin-bottom: 12px; margin-top: 32px; }
.inner-content p { font-size: 15px; color: var(--text-light); margin-bottom: 16px; font-weight: 300; }
.inner-content ul { margin: 16px 0 24px 0; }
.inner-content ul li { font-size: 15px; color: var(--text-light); font-weight: 300; padding: 6px 0 6px 20px; position: relative; border-bottom: 1px solid var(--border); }
.inner-content ul:not(.forms-list):not(.nl-list) li::before { content: '›'; position: absolute; left: 0; color: var(--gold-dark); font-weight: 700; }

/* ─── ABOUT GRID ─────────────────────────────────────────── */
.about-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 32px; margin-top: 48px; }
.about-card { background: var(--off-white); border: 1px solid var(--navy); border-radius: var(--radius); padding: 32px 28px; }
.about-card h3 { font-family: var(--font-title); font-size: 18px; color: var(--navy); margin-bottom: 12px; border-bottom: 2px solid var(--gold); padding-bottom: 12px; }
.about-card p { font-size: 14px; color: var(--text-light); font-weight: 300; margin: 0 0 12px 0; }

/* ─── PLAN LIMITS TABLE ──────────────────────────────────── */
.limits-table { width: 100%; border-collapse: collapse; margin-top: 32px; font-size: 14px; }
.limits-table th { background: var(--navy); color: var(--white); padding: 12px 16px; text-align: left; font-family: var(--font-body); font-weight: 500; letter-spacing: .06em; font-size: 12px; text-transform: uppercase; }
.limits-table th:not(:first-child) { text-align: right; }
.limits-table td { padding: 11px 16px; border-bottom: 1px solid var(--border); background: var(--white); }
.limits-table td:not(:first-child) { text-align: right; font-weight: 500; color: var(--navy); }
.limits-table tr:nth-child(even) td { background: var(--off-white); }
.limits-table tr:hover td { background: var(--gold-soft); }
.limits-section-head td { background: var(--navy-deep) !important; color: var(--gold); font-family: var(--font-title); font-size: 13px; letter-spacing: .06em; padding: 10px 16px; }

/* ─── FORMS LIST ─────────────────────────────────────────── */
.forms-list { margin-top: 32px; }
.forms-list li { display: flex; align-items: center; gap: 16px; padding: 12px 20px; background: var(--off-white); border: 1px solid var(--navy); border-radius: var(--radius); margin-bottom: 8px; transition: background .18s; }
.forms-list li:hover { background: var(--white); }
.inner-content .forms-list li { padding: 16px 20px; border-bottom: 1px solid var(--navy); }
.form-title { font-size: 15px; color: var(--text); font-weight: 400; flex: 1; }
.form-link { display: inline-flex; align-items: center; gap: 8px; background: var(--navy); color: var(--white); font-size: 12px; font-weight: 500; letter-spacing: .06em; text-transform: uppercase; padding: 9px 18px; border-radius: var(--radius); transition: background .2s; }
.form-link:hover { background: var(--navy-mid); }

/* ─── NEWSLETTERS LIST ───────────────────────────────────── */
.nl-list { margin-top: 32px; }
.nl-list li { display: flex; align-items: stretch; justify-content: flex-start; gap: 16px; padding: 12px 20px; background: var(--off-white); border: 1px solid var(--navy); border-radius: var(--radius); margin-bottom: 8px; transition: background .18s; }
.nl-list li:hover { background: var(--white); }
.inner-content .nl-list li { padding: 16px 20px; border-bottom: 1px solid var(--navy); }
.nl-title { font-size: 15px; color: var(--text); }
.nl-year { font-size: 12px; color: var(--text-light); font-weight: 300; margin-top: 2px; }
.nl-link { display: inline-flex; align-items: center; gap: 8px; background: var(--gold); color: var(--navy-deep); font-size: 12px; font-weight: 600; letter-spacing: .06em; padding: 8px 16px; border-radius: var(--radius); transition: background .2s; }
.nl-link:hover { background: var(--gold-dark); }

/* ─── CONTACT PAGE ───────────────────────────────────────── */
.contact-grid { display: grid; grid-template-columns: 1fr 400px; gap: 64px; align-items: start; }
.contact-grid-reversed { grid-template-columns: 400px 1fr; }
.contact-detail h3 { font-family: var(--font-title); font-size: 20px; color: var(--gold); margin-bottom: 16px; }
.contact-detail p { font-size: 15px; color: rgba(255,255,255,.85); font-weight: 300; margin-bottom: 8px; }
.contact-detail strong { color: var(--white); }
.contact-detail a { color: var(--gold); }
.map-button { display: inline-flex; align-items: center; gap: 14px; width: fit-content; font-family: var(--font-body); padding: 14px 28px; border: 2px solid var(--gold); border-radius: 4px; background: var(--navy); color: var(--gold); text-decoration: none; cursor: pointer; transition: background .2s, color .2s, border-color .2s, transform .15s; margin-bottom: 32px; }
.map-button:hover { background: var(--navy-deep); border-color: var(--gold); transform: translateY(-1px); }
.map-button-icon { font-size: 18px; line-height: 1; }
.map-button strong { display: block; font-size: 13px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--gold); }
.map-button-sub { display: block; font-size: 11px; font-weight: 400; letter-spacing: 0; text-transform: none; color: var(--white); opacity: .75; margin-top: 2px; }
.contact-form-card { background: rgba(13,42,71,.55); border: 1px solid rgba(255,255,255,.25); backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); border-radius: var(--radius); padding: 36px; }
.contact-form-card h2 { font-family: var(--font-title); font-size: 22px; color: var(--gold); margin-bottom: 8px; padding-bottom: 12px; border-bottom: 1px solid rgba(255,255,255,.12); }
.contact-form-card .sub { font-size: 13px; color: rgba(255,255,255,.80); margin-top: 12px; margin-bottom: 24px; font-weight: 300; }
.contact-form-card input,
.contact-form-card textarea { width: 100%; padding: 11px 14px; border: 1px solid rgba(255,255,255,.2); border-radius: var(--radius); font-family: var(--font-body); font-size: 14px; color: var(--text); background: var(--off-white); margin-bottom: 10px; outline: none; transition: border-color .2s, box-shadow .2s; }
.contact-form-card input:focus,
.contact-form-card textarea:focus { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(255,184,57,.15); }
.contact-form-card input::placeholder,
.contact-form-card textarea::placeholder { color: var(--text-light); opacity: .65; font-weight: 300; }
.contact-form-card textarea { height: 100px; resize: none; }
.btn-submit { width: 100%; background: var(--gold); color: var(--navy-deep); font-family: var(--font-body); font-size: 13px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; padding: 15px; border: none; border-radius: var(--radius); cursor: pointer; transition: background .2s, transform .15s; margin-top: 4px; }
.btn-submit:hover { background: var(--gold-dark); transform: translateY(-1px); }
.contact-msg { display: none; padding: 12px; background: var(--gold-soft); border: 1px solid var(--gold-dark); border-radius: var(--radius); font-size: 14px; color: var(--navy); margin-bottom: 16px; }

/* ─── FILE TRANSFER (photo-bg variant) ───────────────────── */
.files-on-photo .service-tile { background: rgba(13,42,71,.55); border: 1px solid rgba(255,255,255,.25); backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); }

/* ─── FILE TRANSFER ──────────────────────────────────────── */
.transfer-box { text-align: center; background: var(--off-white); border: 2px solid var(--navy); border-radius: var(--radius); padding: 64px 32px; max-width: 600px; margin: 0 auto; }
.transfer-box h2 { font-family: var(--font-title); font-size: 26px; color: var(--navy); margin-bottom: 16px; }
.transfer-box p { font-size: 15px; color: var(--text-light); margin-bottom: 32px; font-weight: 300; }
.transfer-btn { display: inline-flex; align-items: center; gap: 12px; background: var(--navy); color: var(--white); font-family: var(--font-body); font-size: 14px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; padding: 18px 40px; border-radius: var(--radius); transition: background .2s, transform .15s; }
.transfer-btn:hover { background: var(--navy-mid); transform: translateY(-1px); }

/* ─── GOLD RULE ──────────────────────────────────────────── */
.rule { height: 4px; background: var(--gold); }

/* ─── FOOTER ─────────────────────────────────────────────── */
.site-footer { background: var(--navy-deep); color: rgba(255,255,255,.80); font-size: 13px; }
.footer-inner { max-width: var(--max-w); margin: 0 auto; padding: 48px 32px 32px; }
.footer-top { display: flex; justify-content: space-between; align-items: flex-start; padding-bottom: 32px; border-bottom: 1px solid rgba(255,255,255,.1); gap: 40px; flex-wrap: wrap; }
.footer-logo-name { font-family: var(--font-title); font-size: 18px; color: var(--white); margin-bottom: 4px; }
.footer-logo-sub { font-size: 11px; color: var(--gold); letter-spacing: .1em; text-transform: uppercase; }
.footer-nav { display: flex; gap: 8px 24px; flex-wrap: wrap; }
.footer-nav a { color: rgba(255,255,255,.80); transition: color .18s; }
.footer-nav a:hover { color: var(--gold); }
.footer-bottom { display: flex; justify-content: space-between; align-items: center; padding-top: 24px; flex-wrap: wrap; gap: 12px; font-size: 12px; }
.footer-copy { font-size: 12px; }
.footer-credit { font-size: 12px; opacity: .75; }
.footer-legal { display: flex; gap: 20px; }
.footer-legal a { color: rgba(255,255,255,.70); transition: color .18s; }
.footer-legal a:hover { color: var(--gold); }

/* ─── HOME: HERO CAROUSEL ───────────────────────────────────── */
/* Hero fills full viewport height including under the fixed nav */
.hero-carousel {
  position: relative;
  overflow: hidden;
  width: 100%;
  height: 100vh;
  min-height: 560px;
  margin: 0;
  background-color: var(--navy-deep);
}
.carousel-slide { position: absolute; inset: 0; opacity: 0; transition: opacity 2s ease; }
.carousel-slide.active { opacity: 1; }
.slide-bg { position: absolute; inset: 0; background-size: cover; background-position: center; transform: scale(1.04); transition: transform 8s ease; }
.carousel-slide.active .slide-bg { transform: scale(1.0); }
.carousel-slide::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: 1;
  background: linear-gradient(105deg, rgba(10,22,38,.88) 0%, rgba(13,42,71,.82) 35%, rgba(13,42,71,.25) 58%, rgba(13,42,71,.00) 85%);
}
.hero-carousel::after { display: none; }

/* Hero text — centered vertically in full viewport */
.hero-inner {
  position: absolute;
  inset: 0;
  z-index: 5;
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  padding: 1rem 64px 0 10%;
  max-width: calc(var(--max-w) + 64px);
}
.hero-kicker { font-size: 11px; font-weight: 600; letter-spacing: .22em; text-transform: uppercase; color: var(--gold); display: flex; align-items: center; gap: 12px; margin-bottom: 20px; }
.hero-kicker::before { content: ''; display: block; width: 32px; height: 1px; background: var(--gold); }
.hero-inner h1 { font-family: var(--font-title); font-size: clamp(32px, 5vw, 52px); color: var(--white); line-height: 1.15; max-width: 580px; margin-bottom: 20px; }
.hero-inner h1 em { font-style: normal; color: var(--gold); }
.hero-inner > p { font-size: 16px; font-weight: 300; color: rgba(255,255,255,.88); max-width: 460px; margin-bottom: 32px; }
.hero-cta { display: inline-flex; align-items: center; gap: 10px; background: var(--gold); color: var(--navy-deep); font-size: 13px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; padding: 15px 32px; border-radius: var(--radius); transition: background .2s, transform .15s; width: fit-content; }
.hero-cta:hover { background: var(--gold-dark); transform: translateY(-1px); }

/* Hero stats — pulled tight below CTA */
.hero-stats {
  display: flex;
  gap: 48px;
  margin-top: 40px;
  padding-top: 28px;
  border-top: 1px solid rgba(255,255,255,.15);
}
.stat-num { font-family: var(--font-title); font-size: 36px; color: var(--gold); display: block; line-height: 1; margin-bottom: 5px; }
.stat-label { font-size: 10px; font-weight: 500; letter-spacing: .12em; text-transform: uppercase; color: rgba(255,255,255,.75); }

.carousel-dots { position: absolute; bottom: 24px; left: 50%; transform: translateX(-50%); z-index: 10; display: flex; gap: 10px; }
.carousel-dot { width: 8px; height: 8px; border-radius: 50%; background: rgba(255,255,255,.65); border: none; cursor: pointer; padding: 0; transition: background .3s, transform .3s; }
.carousel-dot.active { background: var(--gold); transform: scale(1.3); }
.carousel-arrow { position: absolute; top: 50%; transform: translateY(-50%); z-index: 10; background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.2); color: #fff; width: 44px; height: 44px; border-radius: 50%; cursor: pointer; display: flex; align-items: center; justify-content: center; transition: background .2s; backdrop-filter: blur(4px); }
.carousel-arrow:hover { background: rgba(255,184,57,.3); border-color: var(--gold); }
.carousel-arrow.prev { left: 20px; }
.carousel-arrow.next { right: 20px; }

/* ─── HOME: INTRO BAND ──────────────────────────────────────── */
.intro-band { background: var(--off-white); padding: 64px 32px; text-align: center; border-bottom: 1px solid var(--border); }
.intro-band h2 { font-family: var(--font-title); font-size: clamp(22px, 3vw, 30px); color: var(--navy); margin-bottom: 16px; }
.intro-band p { font-size: 16px; color: var(--text-light); font-weight: 300; max-width: 680px; margin: 0 auto; }

/* ─── HOME: SERVICE TILES ───────────────────────────────────── */
.services-band { background: var(--off-white); padding: 64px 32px; }
.services-band-inner { max-width: var(--max-w); margin: 0 auto; }
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 40px; }
.service-tile { background: var(--white); border: 1px solid var(--navy); border-radius: var(--radius); padding: 36px 28px; display: flex; flex-direction: column; transition: box-shadow .2s, transform .2s; }
.service-tile:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.service-tile-icon { width: 48px; height: 48px; background: var(--navy); border-radius: var(--radius); display: flex; align-items: center; justify-content: center; margin-bottom: 20px; }
.service-tile-icon svg { fill: var(--gold); width: 24px; height: 24px; }
.service-tile h3 { font-family: var(--font-title); font-size: 20px; color: var(--navy); margin-bottom: 12px; }
.service-tile p { font-size: 14px; color: var(--text-light); font-weight: 300; flex: 1; margin-bottom: 24px; }
.tile-link { font-size: 12px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--navy-mid); display: flex; align-items: center; gap: 6px; transition: color .18s; }
.tile-link:hover { color: var(--gold-dark); }

/* ─── HOME: CONTACT STRIP ───────────────────────────────────── */
.contact-strip { background: var(--navy); padding: 48px 32px; }
.contact-strip-inner { max-width: var(--max-w); margin: 0 auto; display: flex; align-items: center; justify-content: space-between; gap: 32px; flex-wrap: wrap; }
.contact-strip h2 { font-family: var(--font-title); font-size: 24px; color: var(--white); margin-bottom: 6px; }
.contact-strip p { font-size: 14px; color: rgba(255,255,255,.85); font-weight: 300; }
.contact-strip-details { display: flex; gap: 40px; flex-wrap: wrap; }
.contact-item span { font-size: 11px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--gold); display: block; margin-bottom: 4px; }
.contact-item strong { font-size: 15px; color: var(--white); font-weight: 400; }
.contact-strip-cta { display: inline-flex; align-items: center; gap: 10px; background: var(--gold); color: var(--navy-deep); font-size: 13px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; padding: 15px 32px; border-radius: var(--radius); transition: background .2s; white-space: nowrap; }
.contact-strip-cta:hover { background: var(--gold-dark); }

/* ─── RETIREMENT PLANS: INTRO & CONTENT SECTIONS ────────── */
.intro-lead {
  font-family: var(--font-title);
  font-size: 1.1rem;
  color: var(--navy);
  line-height: 1.65;
  margin-bottom: 28px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--border);
}
.content-section { margin-bottom: 28px; }
.content-section h2 { font-family: var(--font-title); font-size: 1.05rem; color: var(--navy); margin-bottom: 8px; letter-spacing: .03em; margin-top: 0; }
.content-section p { color: var(--text-light); margin-bottom: 10px; font-size: .95rem; font-weight: 300; }
.content-section ul { list-style: disc; padding-left: 20px; color: var(--text-light); font-size: .95rem; font-weight: 300; }
.content-section ul li { margin-bottom: 5px; }
.plans-heading {
  font-family: var(--font-title);
  font-size: 1.25rem;
  color: var(--navy);
  margin: 36px 0 18px;
  padding-top: 18px;
  padding-right: 24px;
  border-top: 2px solid var(--gold-deep);
  display: inline-block;
}

/* ─── ACCORDION (retirement plans, fiduciary) ────────────── */
.accordion-list { margin-top: 32px; }
details.accordion-item { border: 1px solid var(--navy); border-radius: var(--radius); margin-bottom: 8px; overflow: hidden; }
details.accordion-item summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 24px;
  font-family: var(--font-title);
  font-size: 17px;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
  background: var(--white);
  transition: background .18s, color .18s;
  gap: 16px;
}
details.accordion-item summary::-webkit-details-marker { display: none; }
details.accordion-item summary::after { content: '›'; font-size: 20px; font-weight: 700; color: var(--gold-dark); transition: transform .25s; flex-shrink: 0; }
details.accordion-item[open] summary { background: var(--navy); color: var(--gold); }
details.accordion-item[open] summary::after { transform: rotate(90deg); color: var(--gold); }
.accordion-body { padding: 24px 28px; background: var(--off-white); border-top: 1px solid var(--border); }
.accordion-body p { font-size: 15px; color: var(--text-light); font-weight: 300; margin-bottom: 14px; }
.accordion-body p:last-child { margin-bottom: 0; }
.accordion-body ul { margin: 10px 0 14px 0; }
.accordion-body ul li { font-size: 14px; color: var(--text-light); font-weight: 300; padding: 4px 0 4px 18px; position: relative; }
.accordion-body ul li::before { content: '›'; position: absolute; left: 0; color: var(--gold-dark); font-weight: 700; }

/* accord-* variant — used by retirement_plans.html (SVG chevron style) */
.accord-item { border: 1px solid var(--navy); border-radius: var(--radius); margin-bottom: 8px; background: var(--white); transition: box-shadow .2s; }
.accord-item[open] { box-shadow: 0 4px 16px rgba(19,57,95,.10); }
.accord-item > summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 18px 20px; font-family: var(--font-title); font-size: 1rem; color: var(--white); background: var(--navy); border-radius: var(--radius); transition: background .18s, color .18s; user-select: none; }
.accord-item > summary::-webkit-details-marker { display: none; }
.accord-item > summary::marker { display: none; }
.accord-item:hover > summary { background: var(--navy-mid); }
.accord-item[open] > summary { background: var(--navy-deep); color: var(--gold); border-radius: var(--radius) var(--radius) 0 0; }
.accord-chevron { width: 20px; height: 20px; flex-shrink: 0; transition: transform .25s; color: var(--gold); }
.accord-item[open] .accord-chevron { transform: rotate(180deg); color: var(--gold); }
.accord-title { display: flex; align-items: center; gap: 14px; }
.accord-icon { width: 36px; height: 36px; object-fit: contain; flex-shrink: 0; filter: brightness(0) invert(1); }
.accord-body { padding: 22px 24px 26px; border-top: 1px solid var(--border); }
.accord-body h5 { font-family: var(--font-title); font-size: .88rem; color: var(--navy); margin: 16px 0 5px; text-transform: uppercase; letter-spacing: .05em; }
.accord-body h5:first-child { margin-top: 0; }
.accord-body p { font-size: .92rem; color: var(--text-light); margin-bottom: 8px; line-height: 1.7; font-weight: 300; }
.accord-body ul { list-style: disc; padding-left: 20px; color: var(--text-light); font-size: .92rem; margin-bottom: 10px; font-weight: 300; }
.accord-body ul li { margin-bottom: 4px; }

/* ─── SIDEBAR LINKS CARD ─────────────────────────────────── */
.sidebar-links { background: var(--off-white); border: 1px solid var(--navy); border-radius: var(--radius); padding: 20px; margin-top: 20px; }
.sidebar-links h4 { font-family: var(--font-title); font-size: .88rem; color: var(--navy); text-transform: uppercase; letter-spacing: .07em; margin-bottom: 12px; }
.sidebar-links a { display: block; font-size: .875rem; color: var(--navy-mid); padding: 7px 0; border-bottom: 1px solid var(--border); transition: color .15s; }
.sidebar-links a:last-child { border-bottom: none; }
.sidebar-links a:hover { color: var(--gold-dark); }

/* ─── SIDEBAR LAYOUT (retirement plans, etc.) ────────────── */
.content-with-sidebar { max-width: var(--max-w); margin: 0 auto; padding: 64px 32px; display: grid; grid-template-columns: 1fr 300px; gap: 64px; align-items: start; }
.sidebar { position: sticky; top: calc(var(--nav-h) + 20px); }
.sidebar-card { background: var(--navy); border-radius: var(--radius); padding: 32px 28px; color: var(--white); }
.sidebar-card h3 { font-family: var(--font-title); font-size: 18px; color: var(--gold); margin-bottom: 16px; padding-bottom: 12px; border-bottom: 1px solid rgba(255,255,255,.1); }
.sidebar-card p { font-size: 14px; color: rgba(255,255,255,.88); font-weight: 300; margin-bottom: 20px; line-height: 1.6; }
.sidebar-card .phone { font-family: var(--font-title); font-size: 22px; color: var(--white); display: block; margin-bottom: 6px; }
.cta-btn { display: inline-block; width: fit-content; text-align: center; font-family: var(--font-body); font-size: 13px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; padding: 14px 36px; border: 2px solid var(--white); border-radius: 4px; background: var(--navy); color: var(--gold); cursor: pointer; transition: background .2s, color .2s, border-color .2s, transform .15s; text-decoration: none; }
.cta-btn:hover { background: var(--navy-deep); border-color: var(--gold); color: var(--gold); transform: translateY(-1px); }
.sidebar-card .cta-btn { display: block; width: 100%; }
.inner-content .cta-btn, .transfer-box .cta-btn { border-color: var(--navy); }
.files-on-photo .cta-btn { border-color: var(--gold); }
.nl-list .cta-btn, .forms-list .cta-btn { border-color: var(--white); margin-right: 0.5rem; }
.nl-list .cta-btn:hover, .forms-list .cta-btn:hover { border-color: var(--gold); }

/* ─── ICONS ───────────────────────────────────────────────── */
.tile-icon-img { width: 72%; height: 72%; object-fit: contain; }
.form-icon-full { height: 100%; width: auto; max-width: 56px; object-fit: contain; flex-shrink: 0; align-self: stretch; }
.nl-icon-full { height: 100%; width: auto; max-width: 64px; object-fit: contain; flex-shrink: 0; align-self: stretch; }
.nl-info { display: flex; flex-direction: column; justify-content: center; gap: 4px; }

/* ─── RESPONSIVE ─────────────────────────────────────────── */
@media (max-width: 960px) {
  .content-with-sidebar { grid-template-columns: 1fr; }
  .sidebar { position: static; }
  .contact-grid { grid-template-columns: 1fr; }
}
/* ─── MOBILE NAV ─────────────────────────────────────────── */
/* Checkbox hack: hidden input drives open/close state — no JS needed */
#nav-toggle { display: none; }

.nav-menu-btn {
  display: none; /* shown only at mobile breakpoint */
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  width: 40px;
  height: 40px;
  cursor: pointer;
  flex-shrink: 0;
  margin-left: auto;
  border-radius: var(--radius);
  transition: background .18s;
}
.nav-menu-btn:hover { background: rgba(19,57,95,.1); }
.nav-menu-btn span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: transform .25s, opacity .2s;
  transform-origin: center;
}

/* Animate hamburger → X when open */
#nav-toggle:checked ~ .header-top .nav-menu-btn span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
#nav-toggle:checked ~ .header-top .nav-menu-btn span:nth-child(2) { opacity: 0; }
#nav-toggle:checked ~ .header-top .nav-menu-btn span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile nav panel */
.mobile-nav {
  display: none; /* shown only at mobile breakpoint */
  overflow: hidden;
  max-height: 0;
  transition: max-height .3s ease;
  background: var(--navy);
  border-top: 2px solid var(--gold);
}
.mobile-nav a {
  display: block;
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: rgba(255,255,255,.85);
  padding: 14px 24px;
  border-bottom: 1px solid rgba(255,255,255,.07);
  transition: color .15s, background .15s;
}
.mobile-nav a:hover { color: var(--gold); background: rgba(255,255,255,.04); }
.mobile-nav a.active { color: var(--gold); }
.mobile-nav-section {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: rgba(255,255,255,.4);
  padding: 16px 24px 6px;
}

#nav-toggle:checked ~ .mobile-nav { max-height: 600px; }

/* ─── TABLET PORTRAIT: TIGHTEN NAV TO FIT ────────────────── */
@media (min-width: 768px) and (max-width: 1024px) {
  .header-top { padding: 0 20px; gap: 12px; }
  .logo-img { height: 2.75rem; }
  .site-nav a { padding: 0 9px; font-size: 10.5px; }
  .nav-dropdown-toggle { padding: 0 9px; font-size: 10.5px; }
  .site-nav a.active { padding-left: 9px; padding-right: 9px; }
}

@media (max-width: 767px) {
  .header-top { padding: 0 20px; }
  .site-nav { display: none; }
  .nav-menu-btn { display: flex; }
  .mobile-nav { display: block; }
  .about-grid { grid-template-columns: 1fr; }
  .inner-content { padding: 40px 20px; }
  .page-banner { padding: 40px 20px 32px; }
  .hero-inner { padding: var(--nav-h) 32px 0; }
  .hero-stats { gap: 28px; }
  .services-grid { grid-template-columns: 1fr; }
  .contact-strip-inner { flex-direction: column; align-items: flex-start; }
  .carousel-arrow { display: none; }
  .slide-bg { background-position: center center !important; }
  .slide-bg-1 { background-image: url('Images/Web-Finals/Hero-1-mobile.webp') !important; }
  .slide-bg-2 { background-image: url('Images/Web-Finals/Hero-2-mobile.webp') !important; background-position: center center !important; }
  .slide-bg-3 { background-image: url('Images/Web-Finals/Hero-3-mobile.webp') !important; background-position: center center !important; }
  .stats-band { display: none; }
  .page-banner-bg.photo-fixed { background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 55%, var(--navy-mid) 100%) !important; }
  .section-photo-bg { background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 55%, var(--navy-mid) 100%) !important; }
  .section-photo-bg::before { background: transparent !important; }
  .carousel-slide::before {
    background: linear-gradient(105deg, rgba(10,22,38,.90) 0%, rgba(13,42,71,.85) 35%, rgba(13,42,71,.10) 65%, rgba(13,42,71,.02) 100%);
  }
}

/* ─── HOME: IMAGE STRIP ──────────────────────────────────── */
.img-strip { position: relative; height: 340px; overflow: hidden; }
.img-strip-bg { position: absolute; inset: 0; background-image: url('Images/Web-Finals/Hero-banner.webp'); background-size: cover; background-position: center 30%; }
.img-strip-bg::after { content: ''; position: absolute; inset: 0; background: rgba(13,42,71,.72); }
.img-strip-inner { position: relative; z-index: 2; height: 100%; display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center; padding: 0 32px; }
.img-strip-inner blockquote { font-family: var(--font-title); font-size: clamp(20px,3vw,30px); color: var(--white); max-width: 720px; line-height: 1.45; margin-bottom: 16px; }
.img-strip-inner cite { font-size: 12px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--gold); font-style: normal; }

/* ─── HOME: SERVICES SECTION ─────────────────────────────── */
#services { background: var(--navy); padding: 80px 32px; }
.services-inner { max-width: var(--max-w); margin: 0 auto; }
.services-inner > .section-label { color: var(--gold); margin-bottom: 14px; }
.services-inner > h2 { font-family: var(--font-title); font-size: clamp(22px,3vw,32px); color: var(--white); margin-bottom: 48px; }
.services-tiles { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
.service-tile { background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.1); border-radius: var(--radius); padding: 36px 32px; display: flex; flex-direction: column; transition: background .2s, transform .2s; }
.service-tile:hover { background: rgba(255,255,255,.09); transform: translateY(-3px); }
.service-tile-icon { width: 60px; height: 60px; background: var(--gold); border-radius: 8px; display: flex; align-items: center; justify-content: center; margin-bottom: 20px; flex-shrink: 0; }
.service-tile-icon svg { width: 22px; height: 22px; stroke: var(--navy); }
.service-tile h3 { font-family: var(--font-title); font-size: 20px; color: var(--white); margin-bottom: 12px; }
.service-tile p { font-size: 14px; color: rgba(255,255,255,.85); font-weight: 300; line-height: 1.75; flex: 1; margin-bottom: 24px; }
.service-tile a.tile-link { font-size: 12px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--gold); display: inline-flex; align-items: center; gap: 6px; transition: color .18s; }
.service-tile a.tile-link:hover { color: var(--gold-dark); }
.service-tile a.tile-link svg { width: 14px; height: 14px; transition: transform .18s; }
.service-tile a.tile-link:hover svg { transform: translateX(3px); }

/* ─── HOME: CONTACT & SATELLITE ──────────────────────────── */
#contact { background: var(--off-white); padding: 80px 32px; }
.contact-inner { max-width: var(--max-w); margin: 0 auto; }
.contact-inner > .section-label { margin-bottom: 14px; }
.contact-inner > h2 { font-family: var(--font-title); font-size: clamp(22px,3vw,30px); color: var(--navy); margin-bottom: 40px; }
.satellite-band { background: var(--navy-deep); padding: 32px; }
.satellite-inner { max-width: var(--max-w); margin: 0 auto; display: flex; align-items: center; gap: 12px 32px; flex-wrap: wrap; }
.satellite-inner span { font-size: 11px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--gold); white-space: nowrap; }
.satellite-inner a { font-size: 13px; color: rgba(255,255,255,.88); padding: 6px 16px; border: 1px solid rgba(255,255,255,.15); border-radius: 20px; transition: color .18s, border-color .18s; white-space: nowrap; }
.satellite-inner a:hover { color: var(--gold); border-color: var(--gold); }

/* ─── RETIREMENT PLANS PAGE ──────────────────────────────── */
.plans-body { background: var(--off-white); padding: 64px 32px; }
.plans-layout { display: grid; grid-template-columns: 1fr 300px; gap: 56px; align-items: start; max-width: var(--max-w); margin: 0 auto; }
.plans-sidebar { position: sticky; top: calc(var(--nav-h) + 20px); }

/* ─── FIDUCIARY SERVICES PAGE ────────────────────────────── */
.fid-content { background: var(--off-white); padding: 72px 32px; }
.fid-layout { display: grid; grid-template-columns: 1fr 300px; gap: 56px; align-items: start; max-width: var(--max-w); margin: 0 auto; }
.fid-content .section-label { color: var(--navy); }
.fid-content h2 { font-family: var(--font-title); font-size: clamp(22px,3vw,30px); color: var(--navy); margin-bottom: 24px; }
.fid-content > .fid-layout > div > p { font-size: 15px; color: var(--text); font-weight: 300; line-height: 1.8; margin-bottom: 28px; }
.fid-callout { background: var(--navy); border: 1px solid var(--navy); border-radius: var(--radius); padding: 36px 32px; position: sticky; top: calc(var(--nav-h) + 20px); }
.fid-callout h3 { font-family: var(--font-title); font-size: 20px; color: var(--gold); margin-bottom: 16px; padding-bottom: 16px; border-bottom: 1px solid rgba(255,255,255,.2); }
.fid-callout p { font-size: 13px; color: rgba(255,255,255,.85); font-weight: 300; line-height: 1.75; margin-bottom: 12px; }
.fid-callout .label { font-size: 11px; color: rgba(255,255,255,.6); text-transform: uppercase; letter-spacing: .1em; margin-top: 20px; margin-bottom: 4px; }
.fid-callout .phone { font-family: var(--font-title); font-size: 22px; color: var(--white); margin-bottom: 4px; }
.fid-callout .email a { font-size: 13px; color: rgba(255,255,255,.75); }
.fid-callout .cta-btn { display: block; width: 100%; margin-top: 24px; }

/* ─── ABOUT PAGE: SPLIT PANELS ───────────────────────────── */
.split-panel { display: grid; grid-template-columns: 1fr 1fr; min-height: 420px; }
.split-img { background-size: cover; background-position: center; }
.split-text { padding: 64px 56px; display: flex; flex-direction: column; justify-content: center; background: var(--off-white); }
.split-text h2 { font-family: var(--font-title); font-size: clamp(22px,2.5vw,30px); color: var(--navy); margin-bottom: 20px; }
.split-text p { font-size: 15px; color: var(--text-light); font-weight: 300; line-height: 1.8; margin-bottom: 14px; }
.split-panel.navy .split-text { background: var(--navy); }
.split-panel.navy .split-text h2 { color: var(--gold); }
.split-panel.navy .split-text p { color: rgba(255,255,255,.88); }
.cta-strip { background: var(--navy); padding: 48px 32px; }
.cta-strip-inner { max-width: var(--max-w); margin: 0 auto; width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.cta-strip p { font-family: var(--font-title); font-size: clamp(18px,2vw,24px); color: var(--white); margin: 0; }


/* ─── HERO LOGO (homepage) ───────────────────────────────── */
.hero-logo { width: min(420px,60vw); height: auto; display: block; margin-bottom: 32px; filter: drop-shadow(0 2px 12px rgba(0,0,0,.35)); }

/* ─── RESPONSIVE ─────────────────────────────────────────── */
@media (max-width: 960px) {
  .plans-layout { grid-template-columns: 1fr; }
  .plans-sidebar { position: static; }
  .fid-layout { grid-template-columns: 1fr; }
  .fid-callout { position: static; }
  .split-panel { grid-template-columns: 1fr; }
  .split-img { min-height: 260px; }
  .split-text { padding: 44px 28px; }
  .services-tiles { grid-template-columns: 1fr; }
}
@media (max-width: 860px) {
  .img-strip { height: 260px; }
  #services, #contact { padding: 56px 20px; }
  .satellite-band { padding: 24px 20px; }
  .plans-body, .fid-content { padding: 48px 20px; }
}