/* ============================================================
   CAXTON & LUCKE MORTGAGES — SHARED STYLESHEET
   candlmortgages.com | Vaughan / York Region
   ============================================================ */

/* ── Google Fonts ── */
@import url('https://fonts.googleapis.com/css2?family=DM+Serif+Display:ital@0;1&family=Inter:wght@300;400;500;600;700&display=swap');

/* ── CSS Custom Properties ── */
:root {
  --navy:        #0A1628;
  --navy-mid:    #112240;
  --navy-light:  #1a3a6b;
  --gold:        #C9A84C;
  --gold-light:  #e0c068;
  --gold-pale:   #f5e9c8;
  --white:       #ffffff;
  --off-white:   #f8f6f2;
  --grey-100:    #f1f1f1;
  --grey-200:    #e2e2e2;
  --grey-400:    #9a9a9a;
  --grey-600:    #5a5a5a;
  --grey-800:    #2e2e2e;
  --text-body:   #2c2c2c;
  --text-light:  #6b6b6b;

  --font-body:   'Inter', system-ui, sans-serif;
  --font-head:   'DM Serif Display', Georgia, serif;

  --radius-sm:   6px;
  --radius-md:   12px;
  --radius-lg:   20px;

  --shadow-sm:   0 2px 8px rgba(10,22,40,0.08);
  --shadow-md:   0 6px 24px rgba(10,22,40,0.12);
  --shadow-lg:   0 16px 48px rgba(10,22,40,0.18);

  --transition:  0.25s ease;
  --max-width:   1180px;
  --nav-height:  72px;
}

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

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

body {
  font-family: var(--font-body);
  color: var(--text-body);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

img { display: block; max-width: 100%; }
a  { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { cursor: pointer; font-family: var(--font-body); border: none; background: none; }

/* ── Typography ── */
h1, h2, h3, h4 {
  font-family: var(--font-head);
  line-height: 1.2;
  color: var(--navy);
}

h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); }
h3 { font-size: clamp(1.3rem, 2.5vw, 1.7rem); }
h4 { font-size: 1.15rem; }

p  { color: var(--text-body); line-height: 1.7; }

.lead {
  font-size: 1.15rem;
  color: var(--text-light);
  line-height: 1.75;
}

.section-label {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.75rem;
}

/* ── Layout Utilities ── */
.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

.section {
  padding: 96px 0;
}

.section--sm {
  padding: 64px 0;
}

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

.section--navy-mid {
  background: var(--navy-mid);
}

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

.section__header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 60px;
}

.section__header h2 {
  margin-bottom: 16px;
}

.section__header p {
  color: var(--text-light);
  font-size: 1.05rem;
}

.section--dark .section__header h2,
.section--dark h2,
.section--dark h3,
.section--dark h4 {
  color: var(--white);
}

.section--dark p,
.section--dark .lead {
  color: rgba(255,255,255,0.75);
}

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

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  font-weight: 600;
  transition: var(--transition);
  white-space: nowrap;
}

.btn--primary {
  background: var(--gold);
  color: var(--navy);
}
.btn--primary:hover {
  background: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(201,168,76,0.35);
}

.btn--outline-gold {
  background: transparent;
  color: var(--gold);
  border: 2px solid var(--gold);
}
.btn--outline-gold:hover {
  background: var(--gold);
  color: var(--navy);
  transform: translateY(-2px);
}

.btn--outline-white {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,0.5);
}
.btn--outline-white:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--white);
  transform: translateY(-2px);
}

.btn--navy {
  background: var(--navy);
  color: var(--white);
}
.btn--navy:hover {
  background: var(--navy-light);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn--lg {
  padding: 17px 40px;
  font-size: 1rem;
}

.btn--sm {
  padding: 10px 22px;
  font-size: 0.875rem;
}

/* ── Navigation ── */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  height: var(--nav-height);
  background: rgba(10, 22, 40, 0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(201,168,76,0.15);
  transition: box-shadow var(--transition);
}

.navbar.scrolled {
  box-shadow: 0 4px 24px rgba(0,0,0,0.3);
}

.navbar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

.navbar__logo {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
  text-decoration: none;
}

.navbar__logo-main {
  font-family: var(--font-head);
  font-size: 1.25rem;
  color: var(--white);
  letter-spacing: 0.01em;
}

.navbar__logo-sub {
  font-size: 0.65rem;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
}

.navbar__links {
  display: flex;
  align-items: center;
  gap: 0;
}

.navbar__link {
  padding: 8px 10px;
  font-size: 0.82rem;
  font-weight: 500;
  color: rgba(255,255,255,0.8);
  border-radius: var(--radius-sm);
  transition: var(--transition);
  white-space: nowrap;
}

.navbar__link:hover,
.navbar__link.active {
  color: var(--white);
  background: rgba(255,255,255,0.08);
}

.navbar__link.active {
  color: var(--gold);
}

.navbar__cta {
  margin-left: 16px;
}

.navbar__hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  cursor: pointer;
}

.navbar__hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}

.navbar__mobile {
  display: none;
  position: fixed;
  top: var(--nav-height);
  left: 0;
  right: 0;
  background: var(--navy);
  border-bottom: 1px solid rgba(201,168,76,0.2);
  padding: 20px 24px;
  z-index: 999;
  flex-direction: column;
  gap: 4px;
  box-shadow: var(--shadow-lg);
}

.navbar__mobile.open { display: flex; }

.navbar__mobile .navbar__link {
  padding: 12px 16px;
  width: 100%;
  border-radius: var(--radius-sm);
}

.navbar__mobile .btn {
  margin-top: 12px;
  justify-content: center;
}

/* ── Hero Section ── */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: var(--navy);
  padding-top: var(--nav-height);
}

.hero__bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center center;
  background-repeat: no-repeat;
}

/* Dark overlay — keeps text readable over any photo */
.hero__bg::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    linear-gradient(105deg, rgba(10,22,40,0.90) 0%, rgba(10,22,40,0.70) 55%, rgba(10,22,40,0.50) 100%);
  z-index: 1;
}

/* Subtle geometric grid pattern on top */
.hero__bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(201,168,76,0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,0.05) 1px, transparent 1px);
  background-size: 60px 60px;
  mask-image: radial-gradient(ellipse 80% 80% at 30% 50%, black 20%, transparent 100%);
  z-index: 2;
}

.hero__content {
  position: relative;
  z-index: 2;
  max-width: 760px;
}

.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 14px;
  background: rgba(201,168,76,0.12);
  border: 1px solid rgba(201,168,76,0.3);
  border-radius: 100px;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 24px;
}

.hero__badge::before {
  content: '';
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
}

.hero h1 {
  color: var(--white);
  margin-bottom: 24px;
}

.hero h1 em {
  font-style: italic;
  color: var(--gold);
}

.hero__sub {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.72);
  line-height: 1.75;
  margin-bottom: 40px;
  max-width: 600px;
}

.hero__actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

.hero__scroll {
  position: absolute;
  bottom: 40px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.4);
  font-size: 0.75rem;
  letter-spacing: 0.1em;
  animation: bounce 2s infinite;
}

.hero__scroll::after {
  content: '';
  width: 1px;
  height: 40px;
  background: linear-gradient(to bottom, rgba(255,255,255,0.4), transparent);
}

@keyframes bounce {
  0%, 100% { transform: translateX(-50%) translateY(0); }
  50%       { transform: translateX(-50%) translateY(8px); }
}

/* ── Trust Bar ── */
.trust-bar {
  background: var(--navy-mid);
  border-top: 1px solid rgba(201,168,76,0.15);
  border-bottom: 1px solid rgba(201,168,76,0.15);
  padding: 32px 0;
}

.trust-bar__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}

.trust-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 20px 16px;
  border-right: 1px solid rgba(255,255,255,0.07);
}

.trust-item:last-child { border-right: none; }

.trust-item__icon {
  font-size: 1.6rem;
  margin-bottom: 10px;
}

.trust-item__value {
  font-family: var(--font-head);
  font-size: 1.5rem;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 4px;
}

.trust-item__label {
  font-size: 0.78rem;
  font-weight: 500;
  letter-spacing: 0.05em;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
}

/* ── Cards ── */
.card {
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--grey-200);
  transition: var(--transition);
}

.card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}

.card--dark {
  background: var(--navy-mid);
  border-color: rgba(255,255,255,0.07);
}

.card--dark:hover {
  border-color: rgba(201,168,76,0.3);
}

/* ── Audience Cards (3-col) ── */
.audience-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.audience-card {
  display: flex;
  flex-direction: column;
  padding: 40px 32px;
  border-radius: var(--radius-md);
  background: var(--white);
  border: 1px solid var(--grey-200);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  text-decoration: none;
  color: inherit;
}

.audience-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--gold);
}

.audience-card__icon {
  width: 60px;
  height: 60px;
  border-radius: var(--radius-md);
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 24px;
  flex-shrink: 0;
}

.audience-card h3 {
  margin-bottom: 12px;
  font-size: 1.4rem;
}

.audience-card p {
  color: var(--text-light);
  font-size: 0.95rem;
  flex: 1;
  margin-bottom: 24px;
}

.audience-card__link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--gold);
  transition: var(--transition);
}

.audience-card__link::after {
  content: '→';
  transition: transform var(--transition);
}

.audience-card:hover .audience-card__link::after {
  transform: translateX(4px);
}

/* ── How It Works ── */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  position: relative;
}

.steps-grid::before {
  content: '';
  position: absolute;
  top: 32px;
  left: calc(16.66% + 16px);
  right: calc(16.66% + 16px);
  height: 2px;
  background: linear-gradient(to right, var(--gold), var(--gold-light), var(--gold));
  opacity: 0.3;
}

.step-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 0 32px;
}

.step-item__num {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--navy);
  border: 2px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-head);
  font-size: 1.4rem;
  color: var(--gold);
  margin-bottom: 24px;
  position: relative;
  z-index: 1;
  flex-shrink: 0;
}

.steps-grid.light .step-item__num {
  background: var(--white);
  border-color: var(--gold);
}

.step-item h3 {
  margin-bottom: 12px;
}

.step-item p {
  font-size: 0.95rem;
  color: var(--text-light);
}

/* ── Scorecard CTA Banner ── */
.cta-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: var(--radius-lg);
  padding: 64px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  position: relative;
  overflow: hidden;
}

.cta-banner::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 320px; height: 320px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(201,168,76,0.12) 0%, transparent 70%);
  pointer-events: none;
}

.cta-banner__text h2 {
  color: var(--white);
  margin-bottom: 16px;
}

.cta-banner__text p {
  color: rgba(255,255,255,0.75);
  max-width: 520px;
  font-size: 1.05rem;
}

.cta-banner__actions {
  display: flex;
  flex-direction: column;
  gap: 12px;
  flex-shrink: 0;
}

/* ── Testimonials ── */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.testimonial-card {
  background: var(--white);
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-md);
  padding: 36px 32px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

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

.testimonial-card__stars {
  display: flex;
  gap: 3px;
  margin-bottom: 20px;
}

.testimonial-card__stars span {
  color: var(--gold);
  font-size: 1rem;
}

.testimonial-card__quote {
  font-size: 0.975rem;
  line-height: 1.75;
  color: var(--text-body);
  margin-bottom: 24px;
  font-style: italic;
}

.testimonial-card__author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.testimonial-card__avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-head);
  font-size: 1rem;
  color: var(--gold);
  flex-shrink: 0;
}

.testimonial-card__name {
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--navy);
}

.testimonial-card__role {
  font-size: 0.8rem;
  color: var(--text-light);
}

/* ── About Snippet ── */
.about-snippet {
  display: flex;
  align-items: center;
  gap: 64px;
}

.about-snippet__content {
  flex: 1;
}

.about-snippet__content h2 {
  margin-bottom: 20px;
}

.about-snippet__content p {
  color: var(--text-light);
  margin-bottom: 16px;
  font-size: 1.05rem;
}

.about-snippet__visual {
  flex-shrink: 0;
  width: 420px;
  height: 340px;
  border-radius: var(--radius-lg);
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

/* When a bg photo is set */
.about-snippet__visual[style*="background-image"] {
  background-size: cover;
  background-position: center;
}

.about-snippet__visual::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(
    160deg,
    rgba(10,22,40,0.15) 0%,
    rgba(10,22,40,0.45) 100%
  );
  border-radius: inherit;
  z-index: 1;
}

/* Gold badge overlay on the photo */
.about-snippet__badge {
  position: absolute;
  bottom: 24px;
  left: 24px;
  background: var(--navy);
  border: 1px solid rgba(201,168,76,0.4);
  border-radius: var(--radius-md);
  padding: 14px 20px;
  z-index: 2;
}

.about-snippet__badge-value {
  font-family: var(--font-head);
  font-size: 1.6rem;
  color: var(--gold);
  line-height: 1;
}

.about-snippet__badge-label {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  margin-top: 3px;
}

.about-snippet__monogram {
  font-family: var(--font-head);
  font-size: 5rem;
  color: rgba(201,168,76,0.25);
  position: relative;
  z-index: 1;
  letter-spacing: -0.05em;
}

/* ── Service Page Hero ── */
.page-hero {
  padding: calc(var(--nav-height) + 80px) 0 80px;
  background: var(--navy);
  position: relative;
  overflow: hidden;
}

.page-hero__bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center center;
  background-repeat: no-repeat;
}

/* Dark overlay for page heroes */
.page-hero__bg::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    linear-gradient(105deg, rgba(10,22,40,0.92) 0%, rgba(10,22,40,0.75) 60%, rgba(10,22,40,0.55) 100%);
  z-index: 1;
}

.page-hero__bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(201,168,76,0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,0.05) 1px, transparent 1px);
  background-size: 60px 60px;
  z-index: 2;
}

.page-hero__content {
  position: relative;
  z-index: 2;
  max-width: 700px;
}

.page-hero h1 {
  color: var(--white);
  margin-bottom: 20px;
}

.page-hero__sub {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.72);
  margin-bottom: 36px;
  line-height: 1.75;
}

.page-hero__actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

/* ── Who This Is For ── */
.who-for__grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}

.who-for__item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 24px;
  background: var(--white);
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-md);
  transition: var(--transition);
}

.who-for__item:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-sm);
}

.who-for__check {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--gold);
  font-size: 0.85rem;
  font-weight: 700;
}

.who-for__item p {
  font-size: 0.95rem;
  color: var(--text-body);
  font-weight: 500;
}

/* ── Challenges ── */
.challenges__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.challenge-card {
  padding: 32px 28px;
  background: var(--navy-mid);
  border: 1px solid rgba(255,255,255,0.07);
  border-radius: var(--radius-md);
  transition: var(--transition);
}

.challenge-card:hover {
  border-color: rgba(201,168,76,0.3);
  transform: translateY(-3px);
}

.challenge-card__icon {
  font-size: 2rem;
  margin-bottom: 16px;
}

.challenge-card h4 {
  color: var(--white);
  margin-bottom: 10px;
  font-size: 1.05rem;
}

.challenge-card p {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.65);
}

/* ── Approach / What We Do Differently ── */
.approach__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.approach__list {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.approach__item {
  display: flex;
  gap: 20px;
  align-items: flex-start;
}

.approach__item-num {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  font-size: 0.9rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.approach__item-text h4 {
  margin-bottom: 6px;
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
}

.approach__item-text p {
  font-size: 0.9rem;
  color: var(--text-light);
}

.approach__visual {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: var(--radius-lg);
  padding: 48px;
  position: relative;
  overflow: hidden;
}

.approach__visual::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(201,168,76,0.06) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,0.06) 1px, transparent 1px);
  background-size: 40px 40px;
}

.approach__stat {
  position: relative;
  z-index: 1;
  text-align: center;
}

.approach__stat-value {
  font-family: var(--font-head);
  font-size: 3.5rem;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 8px;
}

.approach__stat-label {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.7);
  line-height: 1.5;
}

.approach__stats-list {
  display: flex;
  flex-direction: column;
  gap: 24px;
  margin-top: 36px;
}

.approach__stats-list .approach__stat {
  display: flex;
  align-items: center;
  gap: 16px;
  text-align: left;
}

.approach__stats-list .approach__stat-value {
  font-size: 2rem;
  flex-shrink: 0;
}

/* ── FAQ Accordion ── */
.faq__list {
  display: flex;
  flex-direction: column;
  gap: 8px;
  max-width: 800px;
  margin: 0 auto;
}

.faq__item {
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: var(--transition);
}

.faq__item.open {
  border-color: var(--gold);
  box-shadow: var(--shadow-sm);
}

.faq__question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 22px 28px;
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
  text-align: left;
  background: var(--white);
  cursor: pointer;
  transition: var(--transition);
  gap: 16px;
}

.faq__question:hover {
  background: var(--off-white);
}

.faq__item.open .faq__question {
  background: var(--navy);
  color: var(--white);
}

.faq__icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  border: 2px solid var(--grey-200);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
  transition: var(--transition);
  color: var(--grey-600);
}

.faq__item.open .faq__icon {
  border-color: var(--gold);
  color: var(--gold);
  transform: rotate(45deg);
}

.faq__answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
}

.faq__answer-inner {
  padding: 20px 28px 28px;
  font-size: 0.95rem;
  color: var(--text-light);
  line-height: 1.75;
  background: var(--off-white);
}

/* ── Scorecard Styles ── */
.scorecard {
  min-height: 100vh;
  background: var(--off-white);
  padding: calc(var(--nav-height) + 48px) 0 96px;
}

.scorecard__wrapper {
  max-width: 720px;
  margin: 0 auto;
}

.scorecard__header {
  text-align: center;
  margin-bottom: 48px;
}

.scorecard__header h1 {
  margin-bottom: 16px;
}

.scorecard__header p {
  font-size: 1.05rem;
  color: var(--text-light);
}

.scorecard__progress {
  display: flex;
  gap: 8px;
  margin-bottom: 48px;
  align-items: center;
}

.progress-step {
  flex: 1;
  height: 4px;
  background: var(--grey-200);
  border-radius: 2px;
  transition: background 0.4s;
}

.progress-step.active { background: var(--gold); }
.progress-step.done   { background: var(--navy); }

.scorecard__card {
  background: var(--white);
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-lg);
  padding: 48px;
  box-shadow: var(--shadow-md);
}

.scorecard__step { display: none; }
.scorecard__step.active { display: block; }

.scorecard__step-label {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 8px;
}

.scorecard__step h2 {
  font-size: 1.6rem;
  margin-bottom: 8px;
}

.scorecard__step-desc {
  font-size: 0.95rem;
  color: var(--text-light);
  margin-bottom: 32px;
}

.scorecard__options {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 40px;
}

.scorecard__option {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 18px 22px;
  border: 2px solid var(--grey-200);
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: var(--transition);
  font-size: 0.975rem;
  font-weight: 500;
  color: var(--text-body);
  background: var(--white);
  text-align: left;
  width: 100%;
}

.scorecard__option:hover {
  border-color: var(--gold);
  background: var(--gold-pale);
}

.scorecard__option.selected {
  border-color: var(--navy);
  background: var(--navy);
  color: var(--white);
}

.scorecard__option-radio {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  border: 2px solid var(--grey-400);
  flex-shrink: 0;
  transition: var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
}

.scorecard__option.selected .scorecard__option-radio {
  border-color: var(--gold);
  background: var(--gold);
}

.scorecard__option.selected .scorecard__option-radio::after {
  content: '';
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--navy);
}

.scorecard__nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.scorecard__nav-info {
  font-size: 0.85rem;
  color: var(--text-light);
}

/* Results Card */
.scorecard__results { display: none; }
.scorecard__results.active { display: block; }

.results-score {
  display: flex;
  align-items: center;
  gap: 24px;
  padding: 32px;
  background: var(--navy);
  border-radius: var(--radius-md);
  margin-bottom: 32px;
}

.results-score__circle {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  border: 3px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.results-score__num {
  font-family: var(--font-head);
  font-size: 2rem;
  color: var(--gold);
  line-height: 1;
}

.results-score__text h3 {
  color: var(--white);
  margin-bottom: 6px;
}

.results-score__text p {
  color: rgba(255,255,255,0.7);
  font-size: 0.9rem;
}

.results-summary {
  margin-bottom: 32px;
}

.results-summary h3 {
  margin-bottom: 12px;
}

.results-summary p {
  font-size: 0.975rem;
  color: var(--text-light);
  line-height: 1.75;
}

.results-answers {
  margin-bottom: 32px;
}

.results-answers h4 {
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-light);
  margin-bottom: 16px;
}

.results-answer-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 0;
  border-bottom: 1px solid var(--grey-100);
  font-size: 0.9rem;
}

.results-answer-item:last-child { border-bottom: none; }

.results-answer-item span:first-child {
  color: var(--text-light);
  font-weight: 500;
}

.results-answer-item span:last-child {
  color: var(--navy);
  font-weight: 600;
  text-align: right;
  max-width: 60%;
}

.results-actions {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.results-actions .btn {
  justify-content: center;
}

/* ── Resources Page ── */
.calculator-section {
  background: var(--off-white);
}

.calculator-wrapper {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 0;
  overflow: hidden;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--grey-200);
}

.calculator-wrapper iframe {
  width: 100%;
  border: none;
  display: block;
}

/* ── Contact Form ── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}

.contact-form__card {
  background: var(--white);
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-lg);
  padding: 48px;
  box-shadow: var(--shadow-md);
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 8px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--grey-200);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--text-body);
  background: var(--white);
  transition: var(--transition);
  outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.12);
}

.form-group select {
  cursor: pointer;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='%239a9a9a' d='M6 8L0 0h12z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 16px center;
  padding-right: 40px;
}

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

.form-submit-btn {
  width: 100%;
  justify-content: center;
  padding: 16px;
  font-size: 1rem;
  margin-top: 8px;
}

.contact-info__item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 28px;
}

.contact-info__icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}

.contact-info__text strong {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 3px;
}

.contact-info__text span {
  font-size: 0.9rem;
  color: var(--text-light);
}

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

.calendly-box {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: var(--radius-md);
  padding: 36px;
  margin-top: 36px;
  text-align: center;
  border: 1px solid rgba(201,168,76,0.2);
}

.calendly-box h3 {
  color: var(--white);
  font-size: 1.3rem;
  margin-bottom: 10px;
}

.calendly-box p {
  color: rgba(255,255,255,0.7);
  font-size: 0.9rem;
  margin-bottom: 20px;
}

/* ── Footer ── */
.footer {
  background: var(--navy);
  border-top: 1px solid rgba(201,168,76,0.15);
  padding: 64px 0 0;
}

.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}

.footer__brand p {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.7;
  margin-top: 16px;
  max-width: 280px;
}

.footer__logo-main {
  font-family: var(--font-head);
  font-size: 1.4rem;
  color: var(--white);
}

.footer__logo-sub {
  font-size: 0.65rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
  margin-top: 2px;
}

.footer__col h5 {
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 18px;
}

.footer__links {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer__links a {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.6);
  transition: var(--transition);
}

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

.footer__contact p {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.7;
}

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

.footer__bottom {
  padding: 24px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}

.footer__legal {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.35);
  line-height: 1.6;
}

.footer__copyright {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.35);
  white-space: nowrap;
}

/* ── Social Media Links ── */
.social-links {
  display: flex;
  gap: 10px;
  align-items: center;
  flex-wrap: wrap;
}

.social-link {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  color: rgba(255,255,255,0.65);
  text-decoration: none;
  font-size: 0.95rem;
  transition: var(--transition);
  flex-shrink: 0;
}

.social-link:hover {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy);
  transform: translateY(-2px);
}

.social-link svg {
  width: 16px;
  height: 16px;
  fill: currentColor;
}

/* Footer phone / social row */
.footer__meta {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-top: 20px;
}

.footer__phone {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.95rem;
  font-weight: 600;
  color: rgba(255,255,255,0.85);
  text-decoration: none;
  transition: var(--transition);
}

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

/* Contact page social row */
.contact-social {
  margin-top: 28px;
  padding-top: 24px;
  border-top: 1px solid var(--grey-200);
}

.contact-social h5 {
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-light);
  margin-bottom: 14px;
}

.contact-social .social-links .social-link {
  background: var(--off-white);
  border-color: var(--grey-200);
  color: var(--navy);
  width: 40px;
  height: 40px;
  font-size: 1rem;
}

.contact-social .social-links .social-link:hover {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy);
}

/* ── Utility Classes ── */
.text-center { text-align: center; }
.text-gold   { color: var(--gold); }
.text-white  { color: var(--white); }
.text-navy   { color: var(--navy); }
.mb-0  { margin-bottom: 0; }
.mb-8  { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.mb-48 { margin-bottom: 48px; }
.mt-32 { margin-top: 32px; }
.mt-48 { margin-top: 48px; }
.gap-16 { gap: 16px; }
.flex   { display: flex; }
.flex-col { flex-direction: column; }
.items-center { align-items: center; }
.justify-center { justify-content: center; }

/* Gold divider */
.gold-divider {
  width: 48px;
  height: 3px;
  background: var(--gold);
  border-radius: 2px;
  margin: 0 auto 32px;
}

.gold-divider--left {
  margin-left: 0;
}

/* ── Responsive — Tablet (≤ 1024px) ── */
@media (max-width: 1024px) {
  .audience-grid,
  .challenges__grid,
  .testimonials-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .trust-bar__grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .trust-item:nth-child(2) { border-right: none; }
  .trust-item:nth-child(3) { border-top: 1px solid rgba(255,255,255,0.07); }

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

  .cta-banner {
    flex-direction: column;
    text-align: center;
    padding: 48px 40px;
  }

  .cta-banner__actions {
    flex-direction: row;
    justify-content: center;
  }

  .about-snippet {
    flex-direction: column;
    gap: 40px;
  }

  .about-snippet__visual {
    width: 100%;
    height: 200px;
  }

  .contact-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .steps-grid::before { display: none; }
}

/* ── Responsive — Mobile (≤ 768px) ── */
@media (max-width: 768px) {
  :root { --nav-height: 64px; }

  .section { padding: 72px 0; }

  .navbar__links,
  .navbar__cta {
    display: none;
  }

  .navbar__hamburger { display: flex; }

  .audience-grid,
  .challenges__grid,
  .testimonials-grid,
  .who-for__grid {
    grid-template-columns: 1fr;
  }

  .steps-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .steps-grid::before { display: none; }

  .cta-banner {
    padding: 40px 28px;
  }

  .cta-banner__actions {
    flex-direction: column;
    width: 100%;
  }

  .cta-banner__actions .btn {
    justify-content: center;
  }

  .trust-bar__grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer__grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .footer__bottom {
    flex-direction: column;
    text-align: center;
  }

  .approach__grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .scorecard__card {
    padding: 32px 24px;
  }

  .contact-form__card {
    padding: 32px 24px;
  }

  .hero__actions {
    flex-direction: column;
    align-items: flex-start;
  }

  .results-score {
    flex-direction: column;
    text-align: center;
  }
}

/* ── Animations ── */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}

.animate-in {
  animation: fadeInUp 0.6s ease forwards;
}

.animate-in-delay-1 { animation-delay: 0.1s; opacity: 0; animation-fill-mode: forwards; }
.animate-in-delay-2 { animation-delay: 0.2s; opacity: 0; animation-fill-mode: forwards; }
.animate-in-delay-3 { animation-delay: 0.3s; opacity: 0; animation-fill-mode: forwards; }