/* ============================================================
   WEALTHSHIELD — MAIN CSS
   Covers: Navbar, Hero, Stats, Services, Why, Steps,
           Calculator, Testimonials, Partners, FAQ, CTA,
           Articles, Footer, Modal, Responsive
   ============================================================ */

/* ---------- 0. RESET & BASE ---------- */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:'DM Sans',system-ui,sans-serif;
  color:#111;
  background:#fff;
  line-height:1.65;
  overflow-x:hidden;
}
a{text-decoration:none;color:inherit}
ul,ol{list-style:none}
img{max-width:100%;display:block}

/* ---------- 1. CSS VARIABLES ---------- */
:root{
  --red:#CC0000;
  --red-dk:#990000;
  --red-lt:rgba(204,0,0,0.08);
  --gold:#C9A84C;
  --gold-lt:#E8C96E;
  --off:#F8F6F3;
  --text:#111;
  --muted:#666;
  --border:rgba(0,0,0,0.08);
  --sh-sm:0 2px 10px rgba(0,0,0,0.06);
  --sh-md:0 8px 28px rgba(0,0,0,0.09);
  --sh-lg:0 20px 50px rgba(0,0,0,0.12);
  --sh-red:0 8px 24px rgba(204,0,0,0.28);
  --tr:.3s cubic-bezier(.4,0,.2,1);
  --nav:76px;
}

/* ---------- 2. LAYOUT ---------- */
.container{max-width:1200px;margin:0 auto;padding:0 24px;width:100%}
.flex-between{display:flex;align-items:center;justify-content:space-between}
.align-center{align-items:center}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:stretch}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;align-items:stretch}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;align-items:stretch}
.section{padding:88px 0}
.section-alt{padding:88px 0;background:var(--off)}

/* Generic card — flex-column so all cards stretch to same height */
.card{
  background:#fff;
  border:1px solid var(--border);
  border-radius:14px;
  padding:32px 24px;
  display:flex;
  flex-direction:column;
  align-items:center;
  transition:all var(--tr);
}
.card:hover{transform:translateY(-6px);box-shadow:0 16px 44px rgba(0,0,0,0.1);border-color:var(--red)}
.card h4{
  font-family:'Playfair Display',serif;
  font-size:1rem;font-weight:700;color:var(--text);
  margin-bottom:8px;text-align:center;
}
.card p{font-size:.85rem;color:var(--muted);line-height:1.65;text-align:center;margin:0}
.section-title{
  font-family:'Playfair Display',serif;
  font-size:clamp(1.8rem,3.2vw,2.5rem);
  font-weight:700;
  color:var(--text);
  text-align:center;
  margin-bottom:14px;
  letter-spacing:-0.02em;
}
.section-title span{color:var(--red)}
.section-subtext{
  text-align:center;
  color:var(--muted);
  font-size:1.05rem;
  max-width:540px;
  margin:0 auto 52px;
  line-height:1.7;
}
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s ease,transform .7s ease}
.revealed{opacity:1;transform:translateY(0)}
.delay-1{transition-delay:.12s!important}
.delay-2{transition-delay:.24s!important}
.text-red{color:var(--red)}
.w-100{width:100%}
.mb-2{margin-bottom:12px}
.mb-3{margin-bottom:20px}

/* ---------- 3. BUTTONS ---------- */
.btn{
  display:inline-flex;align-items:center;gap:8px;
  padding:13px 28px;font-weight:600;font-size:.93rem;
  border-radius:8px;cursor:pointer;border:2px solid transparent;
  transition:all var(--tr);white-space:nowrap;line-height:1;
}
.btn-primary{background:var(--red);color:#fff;border-color:var(--red);box-shadow:var(--sh-red)}
.btn-primary:hover{background:var(--red-dk);border-color:var(--red-dk);transform:translateY(-2px);box-shadow:0 12px 30px rgba(204,0,0,.32)}
.btn-outline-red{background:transparent;color:var(--red);border-color:var(--red)}
.btn-outline-red:hover{background:var(--red);color:#fff;transform:translateY(-2px)}
.btn-outline-white{background:transparent;color:#fff;border-color:rgba(255,255,255,.7)}
.btn-outline-white:hover{background:#fff;color:var(--red)}

/* ---------- 4. NAVBAR ---------- */
.navbar{
  position:fixed;top:0;left:0;right:0;height:var(--nav);
  background:rgba(255,255,255,.97);
  backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);
  border-bottom:1px solid var(--border);
  z-index:1000;transition:all var(--tr);
}
.navbar.scrolled{height:66px;box-shadow:var(--sh-md)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:100%;gap:16px}

/* Logo */
.nav-logo{display:flex;align-items:center;gap:10px;flex-shrink:0}
.nav-logo-icon{width:34px;height:34px}
.nav-logo-text{display:flex;flex-direction:column}
.nav-logo-wealth{font-family:'Playfair Display',serif;font-size:1.38rem;font-weight:700;color:var(--red);line-height:1.1}
.nav-logo-advisory{font-size:.62rem;font-weight:700;color:var(--muted);letter-spacing:.16em;text-transform:uppercase}

/* Nav links */
.nav-links{display:flex;align-items:center;height:100%;gap:2px;list-style:none}
.nav-item{position:relative;height:100%;display:flex;align-items:center}
.nav-link{
  display:flex;align-items:center;gap:4px;padding:8px 13px;
  font-weight:600;font-size:.875rem;color:var(--text);border-radius:7px;
  white-space:nowrap;transition:all var(--tr);
}
.nav-link:hover,.nav-link.active{color:var(--red);}
.nav-link svg{transition:transform var(--tr)}
.nav-item.has-dropdown:hover .nav-link svg{transform:rotate(180deg)}

/* Mega dropdown */
.mega-dropdown{
  position:absolute;top:100%;left:50%;
  transform:translateX(-50%) translateY(14px);
  width:700px;background:#fff;
  border-radius:0 0 14px 14px;
  box-shadow:0 20px 60px rgba(0,0,0,.14);
  border-top:3px solid var(--red);
  opacity:0;visibility:hidden;
  transition:all .25s cubic-bezier(.4,0,.2,1);
  padding:22px;pointer-events:none;
  z-index:100;
}
.nav-item.has-dropdown:hover .mega-dropdown{
  opacity:1;visibility:visible;
  transform:translateX(-50%) translateY(0);
  pointer-events:auto;
}
.mega-grid-2{display:grid;grid-template-columns:1fr 1fr;gap:5px}
.mega-grid-1{display:grid;grid-template-columns:1fr;gap:5px}
.dropdown-item{
  display:flex;align-items:center;gap:12px;
  padding:9px 11px;border-radius:8px;
  text-decoration:none;transition:background var(--tr);
}
.dropdown-item:hover{background:var(--off)}
.dropdown-icon{
  width:36px;height:36px;background:var(--red-lt);border-radius:8px;
  display:flex;align-items:center;justify-content:center;
  font-size:1.1rem;flex-shrink:0;
}
.dropdown-title{font-weight:600;font-size:.85rem;color:var(--text);line-height:1.2;margin-bottom:2px}
.dropdown-desc{font-size:.73rem;color:var(--muted);line-height:1.4}

/* Nav right */
.nav-right{display:flex;align-items:center;gap:12px;flex-shrink:0}
.nav-phone{font-size:.82rem;font-weight:600;color:var(--muted);white-space:nowrap}
.nav-phone:hover{color:var(--red)}

/* Hamburger */
.hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:6px;border-radius:6px}
.hamburger span{display:block;width:23px;height:2px;background:var(--text);border-radius:2px;transition:all var(--tr)}
.hamburger.active span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.hamburger.active span:nth-child(2){opacity:0}
.hamburger.active span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* Mobile menu */
.mobile-overlay{position:fixed;inset:0;background:rgba(0,0,0,.55);z-index:1001;opacity:0;visibility:hidden;transition:all var(--tr)}
.mobile-overlay.active{opacity:1;visibility:visible}
.mobile-menu{
  position:fixed;top:0;right:-100%;width:310px;height:100vh;
  background:#111;z-index:1002;overflow-y:auto;
  transition:right .4s cubic-bezier(.4,0,.2,1);
}
.mobile-menu.active{right:0}
.mobile-menu-header{
  display:flex;align-items:center;justify-content:space-between;
  padding:22px 20px;border-bottom:1px solid rgba(255,255,255,.08);
}
.mobile-close{background:none;border:none;color:#fff;font-size:1.4rem;cursor:pointer;line-height:1}
.mobile-nav-items{padding:10px 0}
.mobile-accordion{border-bottom:1px solid rgba(255,255,255,.07)}
.mobile-acc-header{
  display:flex;align-items:center;justify-content:space-between;
  padding:13px 20px;color:#fff;font-weight:600;font-size:.9rem;cursor:pointer;
}
.mobile-acc-header:hover{color:var(--gold)}
.mobile-acc-body{display:none;padding:0 0 8px 0}
.mobile-acc-body.active{display:block}
.mobile-acc-body a{display:block;padding:9px 28px;color:rgba(255,255,255,.65);font-size:.85rem}
.mobile-acc-body a:hover{color:var(--gold)}
.mobile-link{display:block;padding:13px 20px;color:#fff;font-weight:600;font-size:.9rem;border-bottom:1px solid rgba(255,255,255,.07)}
.mobile-link:hover{color:var(--gold)}

/* ---------- 5. HERO CAROUSEL ---------- */
.hero-carousel{
  position:relative;
  padding-top:var(--nav);
  overflow:hidden;
}
.carousel-track{position:relative}
.hero-slide{
  display:none;
  padding:72px 0 80px;
}
.hero-slide.active{
  display:flex;
  animation:heroIn .65s ease forwards;
}
@keyframes heroIn{from{opacity:0;transform:translateX(-24px)}to{opacity:1;transform:translateX(0)}}
.hero-inner{gap:60px;align-items:center}
.hero-text{flex:1;min-width:0}
.hero-vector{flex:0 0 44%;max-width:480px}
.hero-vector svg{width:100%;animation:floatY 4s ease-in-out infinite}
@keyframes floatY{0%,100%{transform:translateY(0)}50%{transform:translateY(-14px)}}

/* Pills */
.pill-badge{
  display:inline-flex;align-items:center;gap:6px;
  font-size:.74rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;
  padding:6px 16px;border-radius:100px;margin-bottom:20px;
}
.red-pill{background:var(--red-lt);color:var(--red)}
.gold-pill{background:rgba(201,168,76,.12);color:var(--gold)}
.green-gold-pill{background:rgba(34,139,34,.09);color:#228B22}

.hero-text h1{
  font-family:'Playfair Display',serif;
  font-size:clamp(2.1rem,4.5vw,3.5rem);
  font-weight:700;line-height:1.18;
  color:var(--text);letter-spacing:-.02em;
  margin-bottom:18px;
}
.hero-text h1 span{color:var(--red)}
.hero-text p{color:var(--muted);font-size:1.05rem;line-height:1.75;max-width:500px;margin-bottom:30px}

.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:32px}

/* Trust row */
.trust-row{display:flex;gap:20px;flex-wrap:wrap;margin-top:10px}
.trust-row span{
  display:flex;align-items:center;gap:6px;
  font-size:.8rem;font-weight:600;color:var(--muted);
}
.trust-row svg{color:var(--gold);flex-shrink:0}

/* Slide backgrounds */
.hero-slide:nth-child(1){background:linear-gradient(135deg,#fff 0%,#fff5f5 100%)}
.hero-slide:nth-child(2){background:linear-gradient(135deg,#F8F6F3 0%,#fff 100%)}
.hero-slide:nth-child(3){background:linear-gradient(135deg,#fff 0%,#FFF8EC 100%)}
.hero-accent-border{position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--red),var(--gold))}

/* Carousel controls */
.carousel-controls{
  display:flex;align-items:center;justify-content:center;
  gap:16px;padding:0 0 40px;
  background:inherit;
}
.carousel-controls > button{
  width:42px;height:42px;border-radius:50%;
  background:#fff;border:1px solid var(--border);
  color:var(--text);
  cursor:pointer;font-size:1.1rem;
  display:flex;align-items:center;justify-content:center;
  transition:all var(--tr);
  box-shadow:var(--sh-sm);
}
.carousel-controls > button:hover{background:var(--red);color:#fff;border-color:var(--red);transform:scale(1.05);box-shadow:var(--sh-red)}
.carousel-dots{display:flex;gap:8px;align-items:center}
.dot,.carousel-dot{
  width:8px;height:8px;border-radius:50%;
  background:rgba(0,0,0,0.15);cursor:pointer;border:none;padding:0;
  transition:all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  display:block;
}
.dot:hover,.carousel-dot:hover{background:rgba(204,0,0,0.4)}
.dot.active,.carousel-dot.active{background:var(--red);width:32px;border-radius:100px}

/* SVG draw animation */
.svg-draw{stroke-dasharray:1000;stroke-dashoffset:1000;animation:draw 2s ease forwards}
@keyframes draw{to{stroke-dashoffset:0}}
.svg-float{animation:floatY 4s ease-in-out infinite}

/* ---------- 6. STATS BAR ---------- */
.trust-stats-bar{
  background:#111;
  padding:52px 0;
}
.stats-grid{
  display:grid;grid-template-columns:repeat(4,1fr);gap:0;
}
.stat-item{
  text-align:center;padding:28px 20px;
  border-right:1px solid rgba(255,255,255,.08);
}
.stat-item:last-child{border-right:none}
.counter{
  display:block;
  font-family:'Playfair Display',serif;
  font-size:2.8rem;font-weight:700;color:var(--gold);
  line-height:1;margin-bottom:8px;
}
.stat-label{
  font-size:.78rem;color:rgba(255,255,255,.55);
  text-transform:uppercase;letter-spacing:.1em;display:block;
}

/* ---------- 7. SERVICES OVERVIEW ---------- */
.services-overview{background:#fff}
.service-card.large-card{
  background:#fff;border:1px solid var(--border);
  border-radius:14px;padding:38px 28px;
  display:flex;flex-direction:column;
  transition:all var(--tr);position:relative;overflow:hidden;
}
.service-card.large-card::before{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--red),var(--gold));
  transform:scaleX(0);transform-origin:left;transition:transform var(--tr);
}
.service-card.large-card:hover{transform:translateY(-8px);box-shadow:var(--sh-lg);border-color:transparent}
.service-card.large-card:hover::before{transform:scaleX(1)}
.card-icon{margin-bottom:20px}
.service-card h3{
  font-family:'Playfair Display',serif;
  font-size:1.25rem;font-weight:700;color:var(--text);margin-bottom:12px;
}
.service-card p{font-size:.88rem;color:var(--muted);line-height:1.7;flex-grow:1}
.service-chips{display:flex;flex-wrap:wrap;gap:7px;margin:16px 0}
.service-chips span{
  background:var(--red-lt);color:var(--red);
  font-size:.73rem;font-weight:700;padding:4px 12px;
  border-radius:100px;
}
.card-cta{
  display:inline-flex;align-items:center;gap:5px;
  font-size:.85rem;font-weight:700;color:var(--red);margin-top:auto;
  padding-top:16px;transition:gap var(--tr);
}
.card-cta:hover{gap:10px}

/* Quick links strip */
.quick-links-strip{
  display:flex;flex-wrap:wrap;gap:10px;
  margin-top:36px;justify-content:center;
}
.quick-chip{
  background:#fff;border:1.5px solid var(--border);
  border-radius:100px;padding:8px 20px;
  font-size:.83rem;font-weight:600;color:var(--text);
  transition:all var(--tr);display:inline-flex;align-items:center;gap:6px;
}
.quick-chip:hover{background:var(--red);color:#fff;border-color:var(--red);transform:translateY(-2px);box-shadow:var(--sh-red)}

/* ---------- 8. WHY CHOOSE US ---------- */
.why-features{display:flex;flex-direction:column;gap:22px}
.feature-row{
  display:flex;gap:18px;align-items:flex-start;
  padding:20px 22px;background:#fff;border-radius:12px;
  border:1px solid var(--border);transition:all var(--tr);
}
.feature-row:hover{box-shadow:var(--sh-md);transform:translateX(5px)}
.f-icon{
  width:48px;height:48px;background:var(--red-lt);border-radius:11px;
  display:flex;align-items:center;justify-content:center;
  font-size:1.4rem;flex-shrink:0;
}
.feature-row h4{
  font-family:'Playfair Display',serif;
  font-size:1rem;font-weight:700;color:var(--text);margin-bottom:5px;
}
.feature-row p{font-size:.85rem;color:var(--muted);line-height:1.65;margin:0}

/* Centered icon badge for inner-page feature cards */
.card-icon-wrap{
  width:64px;height:64px;
  background:var(--red-lt);border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  margin:0 auto 20px;
  flex-shrink:0;
}

/* ---------- 9. HOW IT WORKS ---------- */
.how-it-works-grid{
  display:flex;align-items:center;justify-content:center;gap:0;
  max-width:860px;margin:0 auto;
}
.step-item{text-align:center;flex:1;max-width:220px}
.step-icon{
  width:62px;height:62px;
  background:linear-gradient(135deg,var(--red),var(--red-dk));
  color:#fff;
  font-family:'Playfair Display',serif;font-size:1.5rem;font-weight:700;
  border-radius:50%;display:flex;align-items:center;justify-content:center;
  margin:0 auto 16px;box-shadow:var(--sh-red);
}
.step-connector{
  flex:1;height:2px;max-width:80px;
  background:linear-gradient(90deg,var(--red),var(--gold));
  opacity:.35;margin-bottom:46px;
}
.step-item h4{font-size:1rem;font-weight:700;color:var(--text);margin-bottom:6px}
.step-item p{font-size:.83rem;color:var(--muted);line-height:1.65}

/* ---------- 10. CALCULATORS ---------- */
.calc-section{background:var(--off)}
.calc-tabs{
  display:flex;background:#fff;
  border-radius:12px 12px 0 0;
  border:1px solid var(--border);border-bottom:none;
  overflow:hidden;
}
.calc-tab{
  flex:1;padding:16px 10px;background:transparent;border:none;
  cursor:pointer;font-family:'DM Sans',sans-serif;font-weight:600;
  font-size:.87rem;color:var(--muted);transition:all var(--tr);
  border-bottom:3px solid transparent;white-space:nowrap;
}
.calc-tab:hover{color:var(--red)}
.calc-tab.active{color:var(--red);border-bottom-color:var(--red);background:#fff}
.calc-container{
  background:#fff;border-radius:0 0 14px 14px;
  border:1px solid var(--border);border-top:none;
  padding:0;
}
.calc-panel{display:none;padding:40px}
.calc-panel.active{display:block;animation:fadeUp .4s ease}
@keyframes fadeUp{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}
.calc-grid-2{display:grid;grid-template-columns:1.1fr 1fr;gap:48px;align-items:start}
.calc-inputs label{
  display:block;font-weight:600;font-size:.82rem;color:var(--text);
  margin-bottom:6px;letter-spacing:.01em;
}
.input-group{margin-bottom:22px}
.input-group select,.input-group input[type=number]{
  width:100%;padding:11px 14px;
  border:1.5px solid var(--border);border-radius:8px;
  font-family:'DM Sans',sans-serif;font-size:.9rem;
  color:var(--text);background:#fff;outline:none;
  transition:border-color var(--tr);
}
.input-group select:focus,.input-group input[type=number]:focus{border-color:var(--red)}

input[type=range]{
  -webkit-appearance:none;width:100%;height:5px;
  border-radius:3px;background:var(--border);outline:none;margin-top:8px;
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;width:20px;height:20px;border-radius:50%;
  background:var(--red);cursor:pointer;border:3px solid #fff;
  box-shadow:0 2px 8px rgba(204,0,0,.4);transition:transform var(--tr);
}
input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.2)}

.calc-results{
  background:linear-gradient(145deg,#111 0%,#1e1e1e 100%);
  border-radius:14px;padding:32px;color:#fff;
  position:sticky;top:calc(var(--nav) + 20px);
}
.calc-results h4{
  font-family:'Playfair Display',serif;
  color:var(--gold);font-size:.82rem;text-transform:uppercase;
  letter-spacing:.1em;margin-bottom:16px;
}
.huge-result{
  font-family:'Playfair Display',serif;
  font-size:2rem;font-weight:700;color:var(--gold);
  margin-bottom:8px;word-break:break-all;
}
.calc-results p{font-size:.85rem;color:rgba(255,255,255,.65);margin-bottom:8px}
.calc-results b{color:#fff}
.calc-results svg{display:block;margin:16px auto 0}

/* ---------- 11. TESTIMONIALS ---------- */
.testimonials-carousel{overflow:hidden;position:relative;margin-top:8px}
.testi-track{
  display:flex;gap:24px;width:max-content;
  animation:scrollLeft 28s linear infinite;
}
.testi-track:hover{animation-play-state:paused}
@keyframes scrollLeft{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}
.testi-card{
  width:300px;flex-shrink:0;
  background:#fff;border:1px solid var(--border);
  border-radius:14px;padding:28px 24px;
  transition:all var(--tr);
}
.testi-card:hover{box-shadow:var(--sh-md);transform:translateY(-4px)}
.testi-stars{color:var(--gold);font-size:.95rem;letter-spacing:3px;margin-bottom:12px}
.testi-quote{
  font-size:.87rem;color:var(--muted);line-height:1.75;
  font-style:italic;margin-bottom:18px;
}
.testi-author{display:flex;align-items:center;gap:12px}
.avatar{
  width:42px;height:42px;background:var(--red);border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  color:#fff;font-weight:700;font-size:.95rem;flex-shrink:0;
}
.testi-author b{font-size:.875rem;color:var(--text);display:block}
.testi-author span{font-size:.73rem;color:var(--muted)}

/* ---------- 12. PARTNERS ---------- */
.partners-marquee{
  padding:40px 0;border-top:1px solid var(--border);
  border-bottom:1px solid var(--border);overflow:hidden;
}
.marquee-track{
  display:flex;gap:48px;align-items:center;
  animation:scrollLeft 18s linear infinite;width:max-content;
}
.partner-logo{
  height:44px;width:auto;object-fit:contain;
  filter:grayscale(1);opacity:.45;transition:all var(--tr);flex-shrink:0;
}
.partner-logo:hover{filter:grayscale(0);opacity:1}

/* ---------- 13. FAQ ---------- */
.faq-container h2{margin-bottom:10px}
.faq-tabs{
  display:flex;gap:8px;justify-content:center;
  flex-wrap:wrap;margin-bottom:36px;
}
.faq-tabs button{
  padding:8px 20px;border-radius:100px;border:1.5px solid var(--border);
  background:#fff;font-size:.83rem;font-weight:600;color:var(--muted);
  cursor:pointer;transition:all var(--tr);
}
.faq-tabs button:hover{border-color:var(--red);color:var(--red)}
.faq-tabs button.active{background:var(--red);color:#fff;border-color:var(--red)}
.faq-accordion{max-width:760px;margin:0 auto}
.faq-item{
  background:#fff;border:1px solid var(--border);
  border-radius:10px;margin-bottom:10px;overflow:hidden;
  transition:box-shadow var(--tr);
}
.faq-item.active,.faq-item:hover{box-shadow:var(--sh-sm)}
.faq-q{
  display:flex;justify-content:space-between;align-items:center;
  padding:18px 22px;cursor:pointer;gap:12px;
  font-family:'Playfair Display',serif;font-size:.98rem;
  font-weight:600;color:var(--text);transition:color var(--tr);
  user-select:none;
}
.faq-item.active .faq-q,.faq-q:hover{color:var(--red)}
.faq-icon{flex-shrink:0;font-size:1.2rem;color:var(--muted);transition:transform var(--tr)}
.faq-item.active .faq-icon{transform:rotate(45deg);color:var(--red)}
.faq-a{
  max-height:0;overflow:hidden;
  transition:max-height .4s cubic-bezier(.4,0,.2,1),padding .3s;
  padding:0 22px;font-size:.88rem;color:var(--muted);line-height:1.75;
}
.faq-item.active .faq-a{max-height:400px;padding:0 22px 18px}

/* ---------- 14. CTA BANNER ---------- */
.cta-banner{
  background:linear-gradient(135deg,var(--red) 0%,var(--red-dk) 60%,#5a0000 100%);
  padding:80px 0;color:#fff;position:relative;overflow:hidden;
}
.cta-banner::before{
  content:'';position:absolute;top:-60px;right:-60px;
  width:320px;height:320px;
  border:70px solid rgba(255,255,255,.05);border-radius:50%;
}
.cta-banner::after{
  content:'';position:absolute;bottom:-80px;left:-40px;
  width:240px;height:240px;
  border:50px solid rgba(255,255,255,.04);border-radius:50%;
}
.cta-inner{align-items:center;gap:60px;position:relative;z-index:1;flex-wrap:wrap}
.cta-text{flex:1;min-width:280px}
.cta-text h2{
  font-family:'Playfair Display',serif;
  color:#fff;font-size:clamp(1.6rem,3vw,2.2rem);
  margin-bottom:12px;
}
.cta-text p{color:rgba(255,255,255,.8);font-size:.95rem;line-height:1.7}
.cta-form-card{
  background:#fff;border-radius:14px;
  padding:32px;min-width:320px;max-width:380px;
  box-shadow:0 20px 50px rgba(0,0,0,.25);
  flex-shrink:0;
}
.form-control{
  width:100%;padding:11px 14px;
  border:1.5px solid var(--border);border-radius:8px;
  font-family:'DM Sans',sans-serif;font-size:.9rem;color:var(--text);
  background:#fff;outline:none;transition:border-color var(--tr);
}
.form-control:focus{border-color:var(--red)}

/* ---------- 15. ARTICLES ---------- */
.article-card{
  background:#fff;border:1px solid var(--border);
  border-radius:14px;padding:32px 26px;
  transition:all var(--tr);
}
.article-card:hover{transform:translateY(-6px);box-shadow:var(--sh-lg)}
.article-card h4{
  font-family:'Playfair Display',serif;
  font-size:1.1rem;font-weight:700;color:var(--text);
  margin:12px 0 10px;line-height:1.35;
}
.article-card p{font-size:.87rem;color:var(--muted);line-height:1.7;margin-bottom:16px}
.read-more{
  font-size:.83rem;font-weight:700;color:var(--red);
  display:inline-flex;align-items:center;gap:4px;transition:gap var(--tr);
}
.read-more:hover{gap:9px}

/* ---------- Lead Form Card ---------- */
.lead-form-card{
  max-width:600px;
  margin:0 auto;
  background:#fff;
  padding:40px;
  border-radius:16px;
  box-shadow:0 4px 24px rgba(0,0,0,0.08);
  transition:background 0.4s ease, border-color 0.3s ease, box-shadow 0.3s ease;
}

.privacy-callout {
  margin-top:12px;
  background:#FFF8E7;
  padding:16px;
  border-radius:8px;
  border-left:4px solid var(--gold);
}

/* ---------- 16. FOOTER ---------- */
.footer{background:#111;color:rgba(255,255,255,.7);padding:76px 0 0}
.footer-grid{
  display:grid;
  grid-template-columns:1.9fr 1fr 1fr 1.5fr;
  gap:48px;padding-bottom:56px;
}
.footer-logo{display:flex;align-items:center;gap:10px;margin-bottom:6px}
.footer-tagline{font-size:.78rem;color:rgba(255,255,255,.4);margin-bottom:14px;text-transform:uppercase;letter-spacing:.06em}
.footer-about{font-size:.85rem;line-height:1.7;color:rgba(255,255,255,.5);margin-bottom:24px}
.social-links{display:flex;gap:10px}
.social-links a{
  width:36px;height:36px;background:rgba(255,255,255,.07);
  border-radius:8px;display:flex;align-items:center;justify-content:center;
  color:rgba(255,255,255,.6);transition:all var(--tr);
}
.social-links a:hover{background:var(--red);color:#fff}
.footer-title{
  font-family:'Playfair Display',serif;font-size:1rem;font-weight:700;
  color:#fff;margin-bottom:18px;padding-bottom:10px;
  border-bottom:1px solid rgba(255,255,255,.07);
}
.footer-list li{margin-bottom:9px}
.footer-list a{font-size:.85rem;color:rgba(255,255,255,.55);transition:all var(--tr)}
.footer-list a:hover{color:var(--gold);padding-left:4px}
.footer-contact-item{display:flex;gap:12px;align-items:flex-start;margin-bottom:14px}
.footer-contact-item .f-icon{font-size:1rem;margin-top:2px;flex-shrink:0}
.footer-contact-item div{font-size:.83rem;color:rgba(255,255,255,.55);line-height:1.6}
.footer-contact-item a{color:rgba(255,255,255,.55)}
.footer-contact-item a:hover{color:var(--gold)}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.07);
  padding:22px 0;
}
.footer-bottom .container{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px}
.copyright,.bottom-links{font-size:.8rem;color:rgba(255,255,255,.35)}
.bottom-links a{color:rgba(255,255,255,.35)}
.bottom-links a:hover{color:var(--gold)}
.footer-disclaimer{
  padding:16px 0 24px;font-size:.73rem;
  color:rgba(255,255,255,.25);line-height:1.65;
  border-top:1px solid rgba(255,255,255,.04);
}

/* ---------- 17. MODAL ---------- */
.modal-overlay{
  position:fixed;inset:0;background:rgba(0,0,0,.6);
  z-index:2000;display:flex;align-items:center;justify-content:center;
  padding:20px;opacity:0;visibility:hidden;transition:all var(--tr);
}
.modal-overlay.active{opacity:1;visibility:visible}
.modal-card{
  background:#fff;border-radius:18px;padding:44px 36px;
  max-width:500px;width:100%;position:relative;
  max-height:90vh;overflow-y:auto;
  transform:translateY(20px) scale(.97);transition:all var(--tr);
  box-shadow:0 30px 80px rgba(0,0,0,.3);
  scrollbar-width: thin;
  scrollbar-color: var(--muted) transparent;
}
.modal-card::-webkit-scrollbar { width: 6px; }
.modal-card::-webkit-scrollbar-track { background: transparent; }
.modal-card::-webkit-scrollbar-thumb { background: var(--muted); border-radius: 10px; }
.modal-card::-webkit-scrollbar-thumb:hover { background: var(--text-light); }
.modal-overlay.active .modal-card{transform:translateY(0) scale(1)}
.modal-close{
  position:absolute;top:14px;right:14px;
  background:var(--off);border:none;width:32px;height:32px;
  border-radius:50%;font-size:.95rem;cursor:pointer;
  display:flex;align-items:center;justify-content:center;
  transition:all var(--tr);color:var(--muted);
}
.modal-close:hover{background:var(--red);color:#fff}
.modal-title{font-family:'Playfair Display',serif;font-size:1.5rem;margin-bottom:6px;font-weight:700}
.modal-subtitle{font-size:.87rem;color:var(--muted);margin-bottom:24px}
.form-group{margin-bottom:16px}
.form-label{display:block;font-weight:600;font-size:.82rem;color:var(--text);margin-bottom:7px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form-honeypot{display:none}

/* ---------- 19. INNER PAGE HERO ---------- */
.page-hero {
  padding: calc(var(--nav) + 60px) 0 80px;
  background: linear-gradient(180deg, #ffffff 0%, #FFF5F5 100%);
  color: var(--text);
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: ''; position: absolute; top: -150px; right: -100px;
  width: 500px; height: 500px; border-radius: 50%;
  background: radial-gradient(circle, rgba(204,0,0,0.06) 0%, rgba(204,0,0,0) 70%);
  z-index: 0;
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.4rem, 4vw, 3.4rem);
  font-weight: 700; color: var(--text);
  margin-bottom: 12px;
}
.page-hero p {
  color: var(--muted) !important;
}
.page-hero .btn-outline-white {
  border-color: var(--red) !important;
  color: var(--red) !important;
}
.page-hero .btn-outline-white:hover {
  background: var(--red) !important;
  color: #fff !important;
}
.breadcrumb {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.8rem; font-weight: 600;
  text-transform: uppercase; letter-spacing: 0.08em;
  color: var(--red); margin-bottom: 20px;
}
.breadcrumb a { color: var(--muted); transition: color var(--tr); }
.breadcrumb a:hover { color: var(--red); }
.breadcrumb-sep { color: var(--border); font-weight: 400; }

/* Scroll progress bar */
#scroll-progress{
  position:fixed;top:0;left:0;height:3px;
  background:linear-gradient(90deg,var(--red),var(--gold));
  z-index:9999;width:0%;transition:width .1s linear;
}

/* ---------- 20. RESPONSIVE ---------- */
@media(max-width:1024px){
  .footer-grid{grid-template-columns:1fr 1fr;gap:36px}
  .stats-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:900px){
  :root{--nav:64px}
  .nav-links,.nav-phone{display:none}
  .nav-right .theme-switcher {display:none}
  .nav-right .btn-primary {display:none}
  .hamburger{display:flex}
  .hero-vector{display:none}
  .hero-slide.active{flex-direction:column;padding:56px 0 48px}
  .hero-inner{flex-direction:column;gap:32px}
  .grid-3{grid-template-columns:1fr 1fr}
  .calc-grid-2{grid-template-columns:1fr}
  .cta-inner{flex-direction:column;align-items:flex-start}
  .cta-form-card{width:100%;max-width:100%}
  .how-it-works-grid{flex-wrap:wrap;gap:8px}
  .step-connector{max-width:40px}
  .mega-dropdown{width:90vw;left:0;transform:translateX(-10px) translateY(14px)}
  .nav-item.has-dropdown:hover .mega-dropdown{transform:translateX(-10px) translateY(0)}
}
@media(max-width:640px){
  .container{padding:0 16px}
  .section,.section-alt{padding:60px 0}
  .grid-2,.grid-3{grid-template-columns:1fr}
  .stats-grid{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr}
  .footer-bottom .container{flex-direction:column;text-align:center}
  .form-row{grid-template-columns:1fr}
  .hero-cta{flex-direction:column}
  .quick-links-strip{justify-content:flex-start}
  .calc-tabs{flex-wrap:wrap}
  .calc-tab{flex:none;font-size:.8rem;padding:13px 14px}
  .calc-panel{padding:24px}
  .hero-text h1{font-size:2rem}
  .testi-card{width:260px}
  .modal-card{padding:28px 18px}
  .how-it-works-grid{flex-direction:column;gap:32px}
  .step-connector{display:none}
  .step-item{max-width:100%;text-align:center}
}

/* ---------- 21. GLOBAL TRANSITIONS ---------- */
html, body, .card, .navbar, .mega-dropdown, .service-card, .feature-row, .step-item, .calc-tabs, .calc-tab, .calc-container, .faq-item, .article-card, .footer-bottom, .modal-card, input, select {
  transition: background-color 0.4s ease, border-color 0.3s ease, color 0.3s ease, box-shadow 0.3s ease;
}
svg path, svg circle, svg rect, svg polyline, svg ellipse {
  transition: stroke 0.3s ease, fill 0.3s ease;
}

/* ---------- 35. DARK MODE ---------- */
/* Dropdown Theme Switcher Styles */
.theme-switcher {
  position: relative;
  margin: 0 16px;
}
.theme-switcher-btn {
  background: transparent;
  border: none;
  display: flex;
  align-items: center;
  gap: 6px;
  cursor: pointer;
  padding: 8px;
  color: var(--text);
  transition: color 0.3s ease;
}
.theme-switcher-btn:hover { color: var(--red); }
.theme-switcher-btn svg { width: 18px; height: 18px; }
.theme-switcher-btn .dropdown-arrow { width: 12px; height: 12px; transition: transform 0.3s; }

.theme-dropdown-menu {
  position: absolute;
  top: 100%;
  right: 0;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 8px 0;
  min-width: 130px;
  box-shadow: var(--sh-md);
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: all 0.3s ease;
  z-index: 1000;
  display: flex;
  flex-direction: column;
}
.theme-switcher:hover .theme-dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.theme-switcher:hover .theme-switcher-btn .dropdown-arrow { transform: rotate(180deg); }

.theme-opt {
  background: transparent;
  border: none;
  padding: 10px 16px;
  text-align: left;
  width: 100%;
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--text);
  font-family: 'DM Sans', sans-serif;
  font-size: 0.9rem;
  font-weight: 500;
  transition: background 0.2s, color 0.2s;
}
.theme-opt svg { width: 16px; height: 16px; }
.theme-opt:hover { background: var(--red-lt); color: var(--red); }
.theme-opt.active-theme { color: var(--red); font-weight: 600; }
.theme-opt.active-theme::after { content: '✓'; margin-left: auto; font-size: 0.8rem; }

/* Dark Mode Active State */
[data-theme="dark"] .theme-switcher-btn { color: #EEEEEE; }
[data-theme="dark"] .theme-switcher-btn .sun-icon { display: none; }
[data-theme="dark"] .theme-switcher-btn .moon-icon { display: block !important; }
[data-theme="dark"] .theme-dropdown-menu { background: #1A1A1A; border-color: #2E2E2E; }
[data-theme="dark"] .theme-opt { color: #EEEEEE; }
[data-theme="dark"] .theme-opt:hover { background: #2A0000; color: #FF4444; }
[data-theme="dark"] .theme-opt.active-theme { color: #FF4444; }

/* Core Variable Overrides */
[data-theme="dark"] {
  --off: #222222;
  --text: #F0F0F0;
  --muted: #BBBBBB;
  --border: #2E2E2E;
  --sh-sm: 0 2px 10px rgba(0,0,0,0.4);
  --sh-md: 0 8px 28px rgba(0,0,0,0.6);
  --sh-lg: 0 20px 50px rgba(0,0,0,0.8);
  --sh-red: 0 8px 24px rgba(0,0,0,0.9);
  --red-lt: #2A0000;
  --gold-lt: #2A2000;
}

[data-theme="dark"] body { background: #0F0F0F; color: #F0F0F0; }

/* Navbar */
[data-theme="dark"] .navbar { background: rgba(17,17,17,0.97); }
[data-theme="dark"] .navbar.scrolled { box-shadow: var(--sh-md); }
[data-theme="dark"] .nav-link { color: #EEEEEE; }
[data-theme="dark"] .mega-dropdown { background: #1A1A1A; }
[data-theme="dark"] .dropdown-item:hover { background: #2A0000; box-shadow: inset 3px 0 0 var(--red); }
[data-theme="dark"] .nav-logo-icon path[fill="#FFF"] { fill: #111; }
[data-theme="dark"] .nav-logo-advisory { color: #CCCCCC !important; }
[data-theme="dark"] .mobile-menu { background: #111; }
[data-theme="dark"] .mobile-menu-header { border-bottom-color: #2E2E2E; }

/* Hero Carousel */
[data-theme="dark"] .hero-slide:nth-child(1) { background: #0F0F0F !important; }
[data-theme="dark"] .hero-slide:nth-child(2) { background: #141414 !important; }
[data-theme="dark"] .hero-slide:nth-child(3) { background: #111111 !important; }
[data-theme="dark"] .hero-text p { color: #BBBBBB; }
[data-theme="dark"] .btn-outline-red { border-color: #FFF; color: #FFF; }
[data-theme="dark"] .btn-outline-red:hover { background: #FFF; color: var(--red); }
[data-theme="dark"] .trust-badge { background: #222222; }
[data-theme="dark"] .hero-dot { background: #444444; }
[data-theme="dark"] .hero-dot.active { background: var(--red); }

/* Service Cards */
[data-theme="dark"] .card, [data-theme="dark"] .service-card.large-card, [data-theme="dark"] .article-card { 
  background: #1A1A1A; border-color: #2E2E2E; 
}
[data-theme="dark"] .card:hover, [data-theme="dark"] .service-card.large-card:hover { 
  background: #222222; border-color: var(--red); 
}
[data-theme="dark"] .service-chips span { background: #2A2A2A; color: #BBBBBB; }

/* Quick Chips */
[data-theme="dark"] .quick-chip { background: #1E1E1E; border-color: #3A3A3A; color: #EEEEEE; }
[data-theme="dark"] .quick-chip:hover { background: var(--red); color: #FFF; border-color: var(--red); }

/* Why Choose Us & How it works */
[data-theme="dark"] .services-overview, [data-theme="dark"] .why-features { background: transparent; }
[data-theme="dark"] .feature-row { background: #141414; border-color: #2E2E2E; }
[data-theme="dark"] .feature-row p { color: #BBBBBB; }
[data-theme="dark"] .step-icon { border: 2px solid #FFF; }
[data-theme="dark"] .step-connector { background: #333333; }

/* Calculators */
[data-theme="dark"] .calc-tabs { background: #1A1A1A; border-color: #2E2E2E; }
[data-theme="dark"] .calc-tab { color: #AAAAAA; }
[data-theme="dark"] .calc-tab.active { background: var(--red); color: #FFF; border-color: var(--red); }
[data-theme="dark"] .calc-container { background: transparent; border-color: #2E2E2E; }
[data-theme="dark"] .input-group select, [data-theme="dark"] .input-group input[type=number] { 
  background: #1E1E1E; border-color: #333333; color: #F0F0F0; 
}
[data-theme="dark"] input[type=range] { background: #333333; }
[data-theme="dark"] .calc-results { background: #222222; }

/* Testimonials */
[data-theme="dark"] .testi-card { background: #1A1A1A; border-color: #2E2E2E; }
[data-theme="dark"] .testi-quote { color: #DDDDDD; }
[data-theme="dark"] .testi-service { background: var(--gold-lt); color: var(--gold); }

/* Partners Marquee */
[data-theme="dark"] .partner-logo { filter: grayscale(1) brightness(0.6); opacity: 0.6; }
[data-theme="dark"] .partner-logo:hover { filter: grayscale(1) brightness(1.2); opacity: 1; }

/* FAQ */
[data-theme="dark"] .faq-tabs button { background: transparent; }
[data-theme="dark"] .faq-item { background: #0F0F0F; border-color: #2E2E2E; }
[data-theme="dark"] .faq-item.active { background: #1A1A1A; }
[data-theme="dark"] .faq-q { color: #EEEEEE; }
[data-theme="dark"] .faq-a { color: #AAAAAA; }

/* CTA Banner */
[data-theme="dark"] .cta-form-card { background: #1A0000; box-shadow: 0 20px 50px rgba(0,0,0,0.8); }
[data-theme="dark"] .cta-form-card .form-control { background: #2A0000; border-color: #4A0000; color: #FFF; }

/* Modal */
[data-theme="dark"] .modal-card { background: #1A1A1A; box-shadow: 0 30px 80px rgba(0,0,0,0.8); scrollbar-color: #444 transparent; }
[data-theme="dark"] .modal-card::-webkit-scrollbar-thumb { background: #444; }
[data-theme="dark"] .modal-card::-webkit-scrollbar-thumb:hover { background: #666; }
[data-theme="dark"] .modal-close { background: #2A2A2A; color: #EEEEEE; }
[data-theme="dark"] .modal-close:hover { background: var(--red); color: #FFF; }

/* Footer */
[data-theme="dark"] .footer { background: #0A0A0A; border-top: 1px solid #1A1A1A; }
[data-theme="dark"] .footer h3 { color: #FFFFFF; }
[data-theme="dark"] .footer-links a, [data-theme="dark"] .footer-text { color: #AAAAAA; }
[data-theme="dark"] .footer-bottom { background: #050505; border-top-color: #111; }
[data-theme="dark"] .footer-disclaimer { color: #555555; }
[data-theme="dark"] .trust-seals img { filter: grayscale(0.8) brightness(0.7); }

/* Inner Pages specific */
[data-theme="dark"] .page-hero { background: linear-gradient(180deg, #111 0%, #1A1A1A 100%); }
[data-theme="dark"] .lead-form .form-control { background: #1A1A1A; border-color: #333; color: #F0F0F0; }
[data-theme="dark"] .lead-form .form-control:focus { border-color: var(--red); }
[data-theme="dark"] .lead-form-card { background: #1A1A1A; box-shadow: 0 4px 24px rgba(0,0,0,0.4); }
[data-theme="dark"] .lead-form-card .form-label { color: #CCCCCC; }
[data-theme="dark"] .lead-form-card textarea.form-control { background: #1A1A1A; border-color: #333; color: #F0F0F0; }
[data-theme="dark"] .privacy-callout { background: #2A2410; border-left-color: var(--gold); color: #F0F0F0; }
[data-theme="dark"] .card[style*="border-top:4px solid #1a8a4a;"] { background: #0D1F0D !important; border-color: #1a8a4a !important; }
[data-theme="dark"] .card[style*="border-top:4px solid #CC0000;"] { background: #1F0D0D !important; border-color: #CC0000 !important; }

/* SVG Color Adaptations for Dark Mode */
[data-theme="dark"] svg path[stroke="#CC0000"], 
[data-theme="dark"] svg circle[stroke="#CC0000"], 
[data-theme="dark"] svg rect[stroke="#CC0000"] { stroke: #FF3333; }

[data-theme="dark"] svg path[fill="#CC0000"], 
[data-theme="dark"] svg circle[fill="#CC0000"], 
[data-theme="dark"] svg rect[fill="#CC0000"],
[data-theme="dark"] svg text[fill="#CC0000"] { fill: #FF3333; }

[data-theme="dark"] svg [fill="#FFEEEE"] { fill: #2A0000; }
[data-theme="dark"] svg [fill="#333333"] { fill: #DDDDDD; }
[data-theme="dark"] svg [stroke="#333333"] { stroke: #DDDDDD; }
[data-theme="dark"] svg [fill="#111"], [data-theme="dark"] svg [fill="#111111"] { fill: #1A1A1A; }
[data-theme="dark"] svg [stroke="#111"], [data-theme="dark"] svg [stroke="#111111"] { stroke: #1A1A1A; }
[data-theme="dark"] svg text[fill="#555"] { fill: #AAAAAA; }