/* ============================================
   SWA Financial Planning - Website Styles
   ============================================ */

/* --- Custom Properties (Design Tokens) --- */
:root {
  --color-navy: #262626;
  --color-navy-light: #2e2e2e;
  --color-navy-medium: #1b1b1b;
  --color-gold: #becc24;
  --color-gold-light: #cdd83e;
  --color-gold-dark: #a8b51e;
  --color-white: #ffffff;
  --color-off-white: #f7f7f7;
  --color-gray-50: #f9fafb;
  --color-gray-100: #f3f4f6;
  --color-gray-200: #e5e7eb;
  --color-gray-300: #d1d5db;
  --color-gray-400: #9ca3af;
  --color-gray-500: #737373;
  --color-gray-600: #4b5563;
  --color-gray-700: #374151;
  --color-gray-800: #2e2e2e;
  --color-gray-900: #1b1b1b;

  --font-heading: 'DM Serif Display', Georgia, serif;
  --font-body: 'DM Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

  --max-width: 1200px;
  --header-height: 80px;

  --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
  --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.1), 0 2px 4px -2px rgba(0,0,0,0.1);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.1), 0 4px 6px -4px rgba(0,0,0,0.1);
  --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.1), 0 8px 10px -6px rgba(0,0,0,0.1);

  --transition: 0.3s ease;
}

/* --- Reset & Base --- */
*, *::before, *::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-body);
  color: var(--color-gray-800);
  line-height: 1.6;
  background: var(--color-white);
  -webkit-font-smoothing: antialiased;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
}

ul, ol {
  list-style: none;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  font-weight: 400;
  line-height: 1.2;
}

/* --- Utility Classes --- */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 1.5rem;
}

.section {
  padding: 5rem 0;
}

.section--dark {
  background: var(--color-navy);
  color: var(--color-white);
}

.section--light {
  background: var(--color-off-white);
}

.section-label {
  display: inline-block;
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--color-gold);
  margin-bottom: 1rem;
}

.section-title {
  font-size: 2.5rem;
  margin-bottom: 1.5rem;
  color: inherit;
}

.section-subtitle {
  font-size: 1.125rem;
  color: var(--color-gray-500);
  max-width: 700px;
  line-height: 1.7;
}

.section--dark .section-subtitle {
  color: var(--color-gray-300);
}

.text-center {
  text-align: center;
}

.text-center .section-subtitle {
  margin-left: auto;
  margin-right: auto;
}

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.875rem 2rem;
  font-family: var(--font-body);
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: 0.025em;
  border-radius: 4px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: var(--transition);
  text-decoration: none;
}

.btn--primary {
  background: var(--color-gold);
  color: var(--color-navy);
  border-color: var(--color-gold);
}

.btn--primary:hover {
  background: var(--color-gold-dark);
  border-color: var(--color-gold-dark);
}

.btn--outline {
  background: transparent;
  color: var(--color-white);
  border-color: rgba(255,255,255,0.3);
}

.btn--outline:hover {
  border-color: var(--color-white);
  background: rgba(255,255,255,0.1);
}

.btn--outline-dark {
  background: transparent;
  color: var(--color-navy);
  border-color: var(--color-navy);
}

.btn--outline-dark:hover {
  background: var(--color-navy);
  color: var(--color-white);
}

/* --- Header / Navigation --- */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  height: var(--header-height);
  display: flex;
  align-items: center;
  transition: background 0.3s ease, box-shadow 0.3s ease;
}

.header--transparent {
  background: transparent;
}

.header--solid {
  background: rgba(38,38,38,0.95);
  box-shadow: var(--shadow-lg);
}

.header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
}

.header__logo img {
  height: 40px;
  width: auto;
}

.header__nav {
  display: flex;
  align-items: center;
  gap: 2rem;
}

.header__nav a {
  font-size: 0.875rem;
  font-weight: 500;
  color: rgba(255,255,255,0.85);
  transition: color var(--transition);
  letter-spacing: 0.01em;
}

.header__nav a:hover,
.header__nav a.active {
  color: var(--color-gold);
}

.header__cta {
  margin-left: 1rem;
}

.header__menu-btn {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
}

.header__menu-btn span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--color-white);
  margin: 5px 0;
  transition: var(--transition);
}

/* Mobile Navigation */
.mobile-nav {
  display: none;
  position: fixed;
  top: var(--header-height);
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--color-navy);
  z-index: 999;
  padding: 2rem;
  flex-direction: column;
  gap: 0;
}

.mobile-nav.open {
  display: flex;
}

.mobile-nav a {
  display: block;
  padding: 1rem 0;
  font-size: 1.125rem;
  color: rgba(255,255,255,0.85);
  border-bottom: 1px solid rgba(255,255,255,0.1);
  transition: color var(--transition);
}

.mobile-nav a:hover,
.mobile-nav a.active {
  color: var(--color-gold);
}

/* --- Hero Section --- */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
}

.hero__bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero__bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(38,38,38,0.92) 0%, rgba(38,38,38,0.7) 50%, rgba(38,38,38,0.5) 100%);
  z-index: 1;
}

.hero__content {
  position: relative;
  z-index: 2;
  max-width: 700px;
  padding-top: var(--header-height);
}

.hero__label {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--color-gold);
  margin-bottom: 1.5rem;
}

.hero__title {
  font-size: 3.5rem;
  color: var(--color-white);
  margin-bottom: 1.5rem;
  line-height: 1.15;
}

.hero__subtitle {
  font-size: 1.25rem;
  color: rgba(255,255,255,0.75);
  margin-bottom: 2.5rem;
  line-height: 1.7;
  max-width: 560px;
}

.hero__buttons {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

/* Hero Stats Bar */
.hero-stats {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 2;
  background: rgba(38,38,38,0.85);
  backdrop-filter: blur(10px);
  border-top: 1px solid rgba(255,255,255,0.1);
}

.hero-stats__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  text-align: center;
}

.hero-stats__item {
  padding: 1.5rem 1rem;
  border-right: 1px solid rgba(255,255,255,0.1);
}

.hero-stats__item:last-child {
  border-right: none;
}

.hero-stats__number {
  font-family: var(--font-heading);
  font-size: 2rem;
  color: var(--color-gold);
  display: block;
}

.hero-stats__label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.6);
  margin-top: 0.25rem;
  display: block;
}

.hero-stats__sublabel {
  font-size: 0.7rem;
  color: rgba(255,255,255,0.4);
  display: block;
}

/* --- Page Header (for inner pages) --- */
.page-header {
  background: var(--color-navy);
  padding: 8rem 0 4rem;
  text-align: center;
}

.page-header .section-label {
  color: var(--color-gold);
}

.page-header .section-title {
  color: var(--color-white);
}

.page-header .section-subtitle {
  color: rgba(255,255,255,0.7);
  margin-left: auto;
  margin-right: auto;
}

/* --- Independence / Difference Section --- */
.features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 2rem;
  margin-top: 3rem;
}

.feature-card {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1.5rem;
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 8px;
  transition: var(--transition);
}

.section--light .feature-card {
  background: var(--color-white);
  border-color: var(--color-gray-200);
}

.feature-card:hover {
  border-color: rgba(190,204,36,0.3);
  transform: translateY(-2px);
}

.feature-card__icon {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(190,204,36,0.1);
  border-radius: 8px;
  color: var(--color-gold);
}

.feature-card__icon svg {
  width: 24px;
  height: 24px;
}

.feature-card__title {
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  margin-bottom: 0.5rem;
}

.feature-card__text {
  font-size: 0.9rem;
  line-height: 1.6;
  opacity: 0.7;
}

/* Independence description text */
.independence-text {
  max-width: 700px;
  margin-top: 2rem;
  font-size: 1.05rem;
  line-height: 1.8;
  opacity: 0.8;
}

.text-center .independence-text {
  margin-left: auto;
  margin-right: auto;
}

/* --- Services / Specialist Areas Grid --- */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 2rem;
  margin-top: 3rem;
}

.service-card {
  background: var(--color-white);
  border: 1px solid var(--color-gray-200);
  border-radius: 8px;
  padding: 2rem;
  transition: var(--transition);
}

.service-card:hover {
  box-shadow: var(--shadow-lg);
  border-color: var(--color-gold);
  transform: translateY(-4px);
}

.section--dark .service-card {
  background: var(--color-navy-light);
  border-color: rgba(255,255,255,0.08);
}

.section--dark .service-card:hover {
  border-color: var(--color-gold);
}

.service-card__icon {
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(190,204,36,0.1);
  border-radius: 12px;
  margin-bottom: 1.25rem;
  color: var(--color-gold);
}

.service-card__icon svg {
  width: 28px;
  height: 28px;
}

.service-card__title {
  font-family: var(--font-body);
  font-size: 1.125rem;
  font-weight: 600;
  margin-bottom: 0.75rem;
}

.service-card__text {
  font-size: 0.9rem;
  color: var(--color-gray-500);
  line-height: 1.7;
}

.section--dark .service-card__text {
  color: var(--color-gray-400);
}

/* --- Services List (compact) --- */
.services-list {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 0.75rem;
  margin-top: 2rem;
}

.services-list__item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 1rem 1.25rem;
  background: rgba(190,204,36,0.05);
  border: 1px solid rgba(190,204,36,0.15);
  border-radius: 6px;
  font-size: 0.95rem;
  font-weight: 500;
}

.services-list__item svg {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  color: var(--color-gold);
}

/* --- Timeline --- */
.timeline {
  position: relative;
  max-width: 700px;
  margin: 3rem auto 0;
}

.timeline::before {
  content: '';
  position: absolute;
  left: 24px;
  top: 0;
  bottom: 0;
  width: 2px;
  background: rgba(190,204,36,0.3);
}

.timeline__item {
  position: relative;
  padding-left: 72px;
  padding-bottom: 3rem;
}

.timeline__item:last-child {
  padding-bottom: 0;
}

.timeline__marker {
  position: absolute;
  left: 0;
  top: 0;
  width: 50px;
  height: 50px;
  background: var(--color-gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-body);
  font-size: 0.7rem;
  font-weight: 700;
  color: var(--color-navy);
}

.timeline__title {
  font-family: var(--font-body);
  font-size: 1.25rem;
  font-weight: 600;
  margin-bottom: 0.5rem;
}

.timeline__text {
  font-size: 0.95rem;
  line-height: 1.7;
  color: var(--color-gray-500);
}

.section--dark .timeline__text {
  color: var(--color-gray-400);
}

/* --- Values Grid --- */
.values-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 2rem;
  margin-top: 3rem;
}

.value-card {
  padding: 2rem;
  border-left: 3px solid var(--color-gold);
}

.value-card__title {
  font-family: var(--font-body);
  font-size: 1.125rem;
  font-weight: 600;
  margin-bottom: 0.75rem;
}

.value-card__text {
  font-size: 0.95rem;
  line-height: 1.7;
  color: var(--color-gray-500);
}

.section--dark .value-card__text {
  color: var(--color-gray-400);
}

/* --- Process Steps --- */
.process-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 2rem;
  margin-top: 3rem;
}

.process-step {
  text-align: center;
  padding: 2rem 1.5rem;
}

.process-step__number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: rgba(190,204,36,0.1);
  color: var(--color-gold);
  font-family: var(--font-heading);
  font-size: 1.5rem;
  margin-bottom: 1.25rem;
}

.process-step__title {
  font-family: var(--font-body);
  font-size: 1.125rem;
  font-weight: 600;
  margin-bottom: 0.75rem;
}

.process-step__text {
  font-size: 0.9rem;
  color: var(--color-gray-500);
  line-height: 1.7;
}

/* --- Team Grid --- */
.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(270px, 1fr));
  gap: 2rem;
  margin-top: 3rem;
}

.team-card {
  background: var(--color-white);
  border: 1px solid var(--color-gray-200);
  border-radius: 8px;
  overflow: hidden;
  transition: var(--transition);
}

.team-card:hover {
  box-shadow: var(--shadow-xl);
  transform: translateY(-4px);
  cursor: pointer;
}

.team-card__photo {
  width: 100%;
  aspect-ratio: 585 / 670;
  object-fit: cover;
  background: var(--color-gray-100);
}

.team-card__info {
  padding: 1.5rem;
}

.team-card__name {
  font-family: var(--font-body);
  font-size: 1.125rem;
  font-weight: 600;
  margin-bottom: 0.25rem;
  color: var(--color-navy);
}

.team-card__role {
  font-size: 0.875rem;
  color: var(--color-gold-dark);
  font-weight: 500;
  margin-bottom: 0.5rem;
}

.team-card__qualifications {
  font-size: 0.8rem;
  color: var(--color-gray-500);
  margin-bottom: 1rem;
  line-height: 1.5;
}

.team-card__tags {
  display: none;
}

.team-card__tag {
  font-size: 0.65rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 0.25rem 0.5rem;
  background: rgba(190,204,36,0.1);
  color: var(--color-gold-dark);
  border-radius: 3px;
}

/* --- Team Modal --- */
.team-modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 2000;
  background: rgba(0,0,0,0.6);
  backdrop-filter: blur(4px);
  align-items: center;
  justify-content: center;
  padding: 2rem;
}

.team-modal-overlay.open {
  display: flex;
}

.team-modal {
  position: relative;
  background: var(--color-white);
  border-radius: 12px;
  max-width: 820px;
  width: 100%;
  max-height: 90vh;
  display: grid;
  grid-template-columns: 1fr 1fr;
  overflow: hidden;
  box-shadow: var(--shadow-xl);
}

.team-modal__close {
  position: absolute;
  top: 1rem;
  right: 1rem;
  z-index: 10;
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--color-white);
  border: 1px solid var(--color-gray-200);
  border-radius: 50%;
  cursor: pointer;
  font-size: 1.25rem;
  line-height: 1;
  color: var(--color-gray-500);
  transition: var(--transition);
}

.team-modal__close:hover {
  background: var(--color-gray-100);
  color: var(--color-gray-800);
}

.team-modal__photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  min-height: 400px;
}

.team-modal__body {
  padding: 2.5rem;
  overflow-y: auto;
}

.team-modal__name {
  font-family: var(--font-heading);
  font-size: 1.75rem;
  font-weight: 400;
  color: var(--color-gray-800);
  margin-bottom: 0.25rem;
}

.team-modal__role {
  color: var(--color-gold);
  font-weight: 500;
  font-size: 0.95rem;
  margin-bottom: 0.25rem;
}

.team-modal__quals {
  font-size: 0.8rem;
  color: var(--color-gray-500);
  margin-bottom: 1.25rem;
}

.team-modal__divider {
  width: 50px;
  height: 2px;
  background: var(--color-gold);
  margin-bottom: 1.5rem;
}

.team-modal__bio p {
  font-size: 0.9rem;
  line-height: 1.7;
  color: var(--color-gray-600);
  margin-bottom: 1rem;
}

.team-modal__bio p:last-child {
  margin-bottom: 1.5rem;
}

.team-modal__tags {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
}

.team-modal__tag {
  font-size: 0.7rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 0.375rem 0.75rem;
  background: var(--color-gray-100);
  color: var(--color-gray-600);
  border-radius: 4px;
  border: 1px solid var(--color-gray-200);
}

@media (max-width: 768px) {
  .team-modal {
    grid-template-columns: 1fr;
    max-height: 95vh;
  }

  .team-modal__photo {
    max-height: 300px;
    min-height: 250px;
  }

  .team-modal__body {
    padding: 1.5rem;
  }

  .team-modal__name {
    font-size: 1.5rem;
  }
}

/* --- Contact Section --- */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  margin-top: 3rem;
}

.contact-details {
  display: flex;
  flex-direction: column;
  gap: 2rem;
}

.contact-item {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}

.contact-item__icon {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(190,204,36,0.1);
  border-radius: 8px;
  color: var(--color-gold);
}

.contact-item__icon svg {
  width: 20px;
  height: 20px;
}

.contact-item__label {
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--color-gray-400);
  margin-bottom: 0.25rem;
}

.contact-item__value {
  font-size: 1rem;
  color: var(--color-gray-800);
  line-height: 1.6;
}

.contact-item__value a {
  color: var(--color-navy);
  font-weight: 500;
}

.contact-item__value a:hover {
  color: var(--color-gold);
}

/* Contact Form */
.contact-form {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.375rem;
}

.form-group label {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--color-gray-700);
}

.form-group label .required {
  color: var(--color-gold);
}

.form-group input,
.form-group select,
.form-group textarea {
  padding: 0.75rem 1rem;
  border: 1px solid var(--color-gray-300);
  border-radius: 6px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--color-gray-800);
  background: var(--color-white);
  transition: border-color var(--transition);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--color-gold);
  box-shadow: 0 0 0 3px rgba(190,204,36,0.15);
}

.form-group textarea {
  min-height: 120px;
  resize: vertical;
}

.consultation-note {
  margin-top: 2rem;
  padding: 1.5rem;
  background: rgba(190,204,36,0.05);
  border: 1px solid rgba(190,204,36,0.15);
  border-radius: 8px;
}

.consultation-note h4 {
  font-family: var(--font-body);
  font-weight: 600;
  margin-bottom: 0.5rem;
  color: var(--color-navy);
}

.consultation-note p {
  font-size: 0.9rem;
  color: var(--color-gray-600);
  line-height: 1.7;
}

/* --- Disclosures Grid --- */
.disclosures-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 1.5rem;
  margin-top: 3rem;
}

.disclosure-card {
  background: var(--color-white);
  border: 1px solid var(--color-gray-200);
  border-radius: 8px;
  padding: 2rem;
  display: flex;
  flex-direction: column;
  transition: var(--transition);
}

.disclosure-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--color-gold);
}

.disclosure-card__icon {
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(190,204,36,0.1);
  border-radius: 8px;
  color: var(--color-gold);
  margin-bottom: 1.25rem;
}

.disclosure-card__icon svg {
  width: 24px;
  height: 24px;
}

.disclosure-card__title {
  font-family: var(--font-body);
  font-size: 1.05rem;
  font-weight: 600;
  margin-bottom: 0.5rem;
}

.disclosure-card__text {
  font-size: 0.9rem;
  color: var(--color-gray-500);
  line-height: 1.6;
  margin-bottom: 1.5rem;
  flex-grow: 1;
}

.disclosure-card__link {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--color-gold-dark);
  font-size: 0.875rem;
  font-weight: 600;
  transition: color var(--transition);
}

.disclosure-card__link:hover {
  color: var(--color-gold);
}

.disclosure-card__link svg {
  width: 16px;
  height: 16px;
}

/* --- CTA Section --- */
.cta-section {
  background: var(--color-navy);
  padding: 5rem 0;
  text-align: center;
}

.cta-section .section-title {
  color: var(--color-white);
}

.cta-section .section-subtitle {
  color: rgba(255,255,255,0.7);
  margin-left: auto;
  margin-right: auto;
  margin-bottom: 2rem;
}

/* --- Investment Philosophy --- */
.philosophy-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  margin-top: 3rem;
}

.philosophy-item {
  text-align: center;
  padding: 2rem;
}

.philosophy-item__title {
  font-family: var(--font-body);
  font-size: 1.125rem;
  font-weight: 600;
  margin-bottom: 0.75rem;
  color: var(--color-gold);
}

.philosophy-item__text {
  font-size: 0.95rem;
  line-height: 1.7;
  color: var(--color-gray-400);
}

/* --- Stat Highlight --- */
.stat-highlight {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 3rem;
  margin: 3rem 0;
  padding: 3rem;
  background: rgba(190,204,36,0.1);
  border: 1px solid rgba(190,204,36,0.3);
  border-radius: 12px;
}

.stat-highlight__number {
  font-family: var(--font-heading);
  font-size: 3rem;
  color: var(--color-gold-light);
  line-height: 1;
}

.stat-highlight__text {
  font-size: 1.05rem;
  max-width: 500px;
  line-height: 1.7;
  color: rgba(255,255,255,0.92);
}

/* --- Footer --- */
.footer {
  background: var(--color-navy);
  color: rgba(255,255,255,0.7);
  padding: 4rem 0 0;
}

.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1.5fr 1.5fr;
  gap: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.footer__brand p {
  margin-top: 1rem;
  font-size: 0.9rem;
  line-height: 1.7;
}

.footer__brand img {
  height: 36px;
}

.footer__heading {
  font-family: var(--font-body);
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--color-white);
  margin-bottom: 1.25rem;
}

.footer__links {
  display: flex;
  flex-direction: column;
  gap: 0.625rem;
}

.footer__links a {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.6);
  transition: color var(--transition);
}

.footer__links a:hover {
  color: var(--color-gold);
}

.footer__contact-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  margin-bottom: 1rem;
  font-size: 0.9rem;
}

.footer__contact-item svg {
  flex-shrink: 0;
  width: 16px;
  height: 16px;
  color: var(--color-gold);
  margin-top: 3px;
}

.footer__contact-item a {
  color: rgba(255,255,255,0.6);
  transition: color var(--transition);
}

.footer__contact-item a:hover {
  color: var(--color-gold);
}

.footer__bottom {
  padding: 1.5rem 0;
  text-align: center;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.4);
}

.footer__bottom p + p {
  margin-top: 0.25rem;
}

/* --- Responsive --- */
@media (max-width: 1024px) {
  .hero__title {
    font-size: 2.75rem;
  }

  .section-title {
    font-size: 2rem;
  }

  .footer__grid {
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
  }

  .philosophy-grid {
    grid-template-columns: 1fr;
  }

  .contact-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
}

@media (max-width: 768px) {
  .header__nav {
    display: none;
  }

  .header__cta {
    display: none;
  }

  .header__menu-btn {
    display: block;
  }

  .hero {
    min-height: 90vh;
  }

  .hero__title {
    font-size: 2.25rem;
  }

  .hero__subtitle {
    font-size: 1.05rem;
  }

  .hero-stats__grid {
    grid-template-columns: 1fr;
  }

  .hero-stats__item {
    border-right: none;
    border-bottom: 1px solid rgba(255,255,255,0.1);
    padding: 1rem;
  }

  .hero-stats__item:last-child {
    border-bottom: none;
  }

  .section {
    padding: 3.5rem 0;
  }

  .section-title {
    font-size: 1.75rem;
  }

  .features-grid,
  .services-grid,
  .team-grid,
  .values-grid {
    grid-template-columns: 1fr;
  }

  .services-list {
    grid-template-columns: 1fr;
  }

  .process-grid {
    grid-template-columns: 1fr;
  }

  .disclosures-grid {
    grid-template-columns: 1fr;
  }

  .footer__grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .stat-highlight {
    flex-direction: column;
    text-align: center;
    gap: 1.5rem;
  }

  .hero-stats {
    display: none;
  }
}

@media (max-width: 480px) {
  .hero__title {
    font-size: 1.875rem;
  }

  .hero__buttons {
    flex-direction: column;
  }

  .btn {
    justify-content: center;
    width: 100%;
  }
}