/* =========================================================
   SUN GLOBAL ADVISORY SERVICES
   Global styles, navigation, components and responsive layout
   ========================================================= */

/* 1. DESIGN TOKENS */
:root {
  --navy: #06233f;
  --navy-2: #092c4d;
  --navy-3: #123f63;
  --gold: #c4912f;
  --gold-light: #d9b15b;
  --cream: #f8f7f2;
  --white: #fff;
  --text: #17324d;
  --muted: #68798a;
  --line: #dce1e5;
  --section-grey: #f5f6f7;
  --shadow: 0 16px 45px rgba(6, 35, 63, 0.10);
  --shadow-hover: 0 20px 45px rgba(6, 35, 63, 0.14);
  --radius: 4px;
  --transition: 200ms ease;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 95px;
}

body {
  margin: 0;
  font-family: "DM Sans", Arial, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

body.menu-open {
  overflow: hidden;
}

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

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

button,
input,
select,
textarea {
  font: inherit;
}

button {
  color: inherit;
}

button,
a,
select,
input,
textarea {
  -webkit-tap-highlight-color: transparent;
}

:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 3px;
}

::selection {
  background: rgba(196, 145, 47, 0.22);
  color: var(--navy);
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.container {
  width: min(1160px, calc(100% - 48px));
  margin-inline: auto;
}

/* =========================================================
   2. HEADER AND NAVIGATION
   ========================================================= */

.site-header {
  height: 78px;
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.97);
  border-bottom: 1px solid var(--line);
  box-shadow: 0 4px 18px rgba(6, 35, 63, 0.06);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
}

.nav-wrap {
  height: 100%;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto minmax(0, 1fr);
  align-items: center;
  gap: 24px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 11px;
  justify-self: start;
  min-width: 0;
  color: var(--navy);
}

.brand-mark {
  width: 68px;
  height: 68px;
  display: block;
  object-fit: contain;
  flex: none;
}

.brand strong {
  display: block;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 21px;
  letter-spacing: 2px;
  font-weight: 500;
  line-height: 1;
}

.brand small {
  display: block;
  margin-top: 5px;
  font-size: 8px;
  letter-spacing: 2.4px;
  font-weight: 700;
}

/* Main navigation layout */

.main-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 4px;
  font-size: 13px;
  font-weight: 600;
}

.main-nav > a:not(.btn),
.main-nav .dropdown-toggle {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 13px;
  border: 0;
  border-radius: 5px;
  background: transparent;
  color: var(--navy);
  font: inherit;
  font-weight: 600;
  letter-spacing: 0.015em;
  white-space: nowrap;
  cursor: pointer;
  transition:
    color var(--transition),
    background-color var(--transition);
}

/* Gold indicator under hovered and active menu items */

.main-nav > a:not(.btn)::after,
.main-nav .dropdown-toggle::after {
  content: "";
  position: absolute;
  left: 13px;
  right: 13px;
  bottom: 5px;
  height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left center;
  transition: transform var(--transition);
}

.main-nav > a:not(.btn):hover,
.main-nav .dropdown-toggle:hover,
.main-nav > a:not(.btn).active,
.main-nav .dropdown-toggle.active,
.main-nav .nav-item.open > .dropdown-toggle {
  color: var(--navy);
  background: #f5f1e6;
}

.main-nav > a:not(.btn):hover::after,
.main-nav > a:not(.btn).active::after,
.main-nav .dropdown-toggle:hover::after,
.main-nav .dropdown-toggle.active::after,
.main-nav .nav-item.open > .dropdown-toggle::after {
  transform: scaleX(1);
}

.main-nav > a:not(.btn):focus-visible,
.main-nav .dropdown-toggle:focus-visible {
  outline-offset: 2px;
}

.nav-item {
  position: relative;
}

.nav-chevron {
  width: 7px;
  height: 7px;
  flex: none;
  border-right: 1.5px solid currentColor;
  border-bottom: 1.5px solid currentColor;
  transform: rotate(45deg) translateY(-2px);
  transition: transform var(--transition);
}

.nav-item:hover .nav-chevron,
.nav-item.open .nav-chevron,
.nav-item:focus-within .nav-chevron {
  transform: rotate(225deg) translateY(-1px);
}

/* =========================================================
   3. DESKTOP SOLUTIONS DROPDOWN
   ========================================================= */

/*
  The dropdown begins exactly at the bottom of its parent.
  Avoid adding a margin or top offset that creates a hover gap.
*/

.nav-dropdown {
  position: relative;
}

.nav-dropdown .dropdown-panel {
  position: absolute;
  top: 100%;
  left: 50%;
  width: min(720px, calc(100vw - 48px));
  margin: 0;
  padding: 10px 0 0;
  border: 0;
  background: transparent;
  box-shadow: none;
  border-radius: 0;
  overflow: visible;

  opacity: 0;
  visibility: hidden;
  pointer-events: none;

  transform: translate(-50%, 8px);
  transition:
    opacity 180ms ease,
    transform 180ms ease,
    visibility 180ms ease;

  z-index: 120;
}

/* The actual visible dropdown surface */

.nav-dropdown .dropdown-panel::after {
  content: "";
  position: absolute;
  inset: 10px 0 0;
  z-index: 0;
  background: var(--white);
  border: 1px solid var(--line);
  border-top: 3px solid var(--gold);
  border-radius: 7px;
  box-shadow: 0 18px 40px rgba(6, 35, 63, 0.16);
  pointer-events: none;
}

/* Invisible bridge fills the gap above the visible panel */

.nav-dropdown .dropdown-panel::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 12px;
  z-index: 2;
  background: transparent;
}

/* Open states: hover, keyboard focus or JavaScript-controlled .open */

.nav-dropdown:hover > .dropdown-panel,
.nav-dropdown:focus-within > .dropdown-panel,
.nav-dropdown.open > .dropdown-panel {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translate(-50%, 0);
}

.dropdown-content {
  position: relative;
  z-index: 3;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px;
  padding: 24px 16px 14px;
}

.dropdown-link {
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 4px;
  min-width: 0;
  padding: 16px;
  border: 1px solid transparent;
  border-radius: 5px;
  background: transparent;
  transition:
    background-color var(--transition),
    border-color var(--transition),
    transform var(--transition);
}

.dropdown-link:hover,
.dropdown-link:focus-visible,
.dropdown-link.active {
  background: #f8f5ed;
  border-color: rgba(196, 145, 47, 0.28);
}

.dropdown-link:hover {
  transform: translateY(-1px);
}

.dropdown-link strong {
  display: block;
  margin: 0;
  color: var(--navy);
  font-size: 14px;
  font-weight: 700;
  line-height: 1.4;
}

.dropdown-link small {
  display: block;
  color: #526579;
  font-size: 12px;
  line-height: 1.6;
}

.dropdown-link:hover strong,
.dropdown-link:focus-visible strong {
  color: #8a611b;
}

.dropdown-footer {
  position: relative;
  z-index: 3;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin: 0;
  padding: 14px 18px;
  border-radius: 0 0 7px 7px;
  background: var(--navy);
  color: var(--white);
  font-size: 13px;
  font-weight: 600;
  transition: background-color var(--transition);
}

.dropdown-footer:hover,
.dropdown-footer:focus-visible {
  background: var(--navy-3);
}

.dropdown-footer:focus-visible {
  outline-offset: -4px;
}

/* =========================================================
   4. BUTTONS AND CALLS TO ACTION
   ========================================================= */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 13px;
  min-height: 44px;
  padding: 12px 22px;
  border: 1px solid transparent;
  border-radius: 999px;
  font-size: 12px;
  font-weight: 700;
  line-height: 1.4;
  text-align: center;
  cursor: pointer;
  transition:
    background-color var(--transition),
    color var(--transition),
    border-color var(--transition),
    box-shadow var(--transition),
    transform var(--transition);
}

.btn span {
  font-size: 17px;
  line-height: 1;
  transition: transform var(--transition);
}

.btn:hover span {
  transform: translateX(2px);
}

.btn:active {
  transform: translateY(0);
}

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

.btn-dark:hover {
  background: var(--navy-3);
  color: var(--white);
  box-shadow: 0 5px 14px rgba(6, 35, 63, 0.15);
  transform: translateY(-2px);
}

.btn-gold {
  background: var(--gold);
  color: var(--white);
}

.btn-gold:hover {
  background: #a9781f;
  color: var(--white);
  box-shadow: 0 5px 14px rgba(196, 145, 47, 0.22);
  transform: translateY(-2px);
}

.btn-light-outline {
  border-color: rgba(255, 255, 255, 0.75);
  background: rgba(255, 255, 255, 0.08);
  color: var(--white);
}

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

.nav-cta {
  display: inline-flex;
  justify-self: end;
  white-space: nowrap;
}

.nav-cta-mobile {
  display: none;
}

.text-btn {
  display: inline-flex;
  align-items: center;
  gap: 13px;
  margin-top: 18px;
  padding: 10px 19px;
  border: 1px solid var(--gold);
  border-radius: 999px;
  color: var(--navy);
  font-size: 12px;
  font-weight: 700;
  transition:
    background-color var(--transition),
    color var(--transition),
    transform var(--transition);
}

.text-btn:hover {
  background: var(--gold);
  color: var(--white);
  transform: translateY(-1px);
}

/* =========================================================
   5. MOBILE MENU TOGGLE AND OVERLAY
   ========================================================= */

.menu-toggle {
  display: none;
  position: relative;
  width: 44px;
  height: 44px;
  margin-left: auto;
  padding: 0;
  border: 0;
  border-radius: 12px;
  background: transparent;
  cursor: pointer;
}

.menu-toggle:hover {
  background: rgba(6, 35, 63, 0.06);
}

.menu-toggle span {
  position: absolute;
  left: 11px;
  display: block;
  width: 22px;
  height: 2px;
  border-radius: 2px;
  background: var(--navy);
  transition:
    transform var(--transition),
    opacity var(--transition),
    top var(--transition);
}

.menu-toggle span:nth-child(1) {
  top: 15px;
}

.menu-toggle span:nth-child(2) {
  top: 21px;
}

.menu-toggle span:nth-child(3) {
  top: 27px;
}

.menu-toggle[aria-expanded="true"] span:nth-child(1) {
  top: 21px;
  transform: rotate(45deg);
}

.menu-toggle[aria-expanded="true"] span:nth-child(2) {
  opacity: 0;
}

.menu-toggle[aria-expanded="true"] span:nth-child(3) {
  top: 21px;
  transform: rotate(-45deg);
}

.nav-overlay {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 40;
  background: rgba(6, 35, 63, 0.42);
}

body.menu-open .nav-overlay {
  display: block;
}

/* =========================================================
   6. HOMEPAGE HERO
   ========================================================= */

.hero {
  position: relative;
  min-height: 535px;
  overflow: hidden;
  background: var(--navy);
  color: var(--white);
}

.hero-image {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(
      90deg,
      rgba(4, 29, 52, 0.96) 0%,
      rgba(4, 29, 52, 0.82) 34%,
      rgba(4, 29, 52, 0.16) 72%,
      rgba(4, 29, 52, 0.05) 100%
    ),
    url("https://images.unsplash.com/photo-1500530855697-b586d89ba3ee?auto=format&fit=crop&w=2200&q=85")
    center / cover;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    180deg,
    rgba(0, 0, 0, 0.08),
    rgba(0, 0, 0, 0.08)
  );
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 2;
  padding-top: 92px;
  padding-bottom: 100px;
}

.hero-copy-carousel {
  position: relative;
  min-height: 345px;
}

.hero-slide {
  position: absolute;
  inset: 0;
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition:
    opacity 650ms ease,
    transform 650ms ease,
    visibility 650ms ease;
}

.hero-slide.is-active {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.eyebrow {
  margin: 0 0 14px;
  color: #718297;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 1.8px;
  text-transform: uppercase;
}

.eyebrow span {
  display: inline-block;
  width: 22px;
  height: 2px;
  margin-right: 10px;
  background: var(--gold);
  vertical-align: middle;
}

.eyebrow.light {
  color: #f4f6f7;
}

.hero h1,
.hero-slide-heading {
  max-width: 620px;
  margin: 0 0 22px;
  font-family: "Playfair Display", Georgia, serif;
  font-size: 52px;
  font-weight: 500;
  line-height: 1.08;
  letter-spacing: -1.3px;
}

.hero-copy {
  max-width: 530px;
  margin: 0 0 28px;
  color: rgba(255, 255, 255, 0.88);
  font-size: 15px;
  line-height: 1.7;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 13px;
}

.hero-tag {
  position: absolute;
  right: 8%;
  bottom: 46px;
  z-index: 2;
  color: var(--white);
  font-family: "Playfair Display", Georgia, serif;
  font-size: 28px;
  font-style: italic;
  line-height: 1.05;
  text-align: left;
  transform: rotate(-3deg);
}

.hero-tag i,
.image-quote i {
  display: block;
  width: 78px;
  height: 3px;
  margin-top: 12px;
  background: var(--gold);
  transform: rotate(-7deg);
}

/* =========================================================
   7. QUICK LINKS
   ========================================================= */

.quick-links {
  background: #fbfaf6;
  border-bottom: 1px solid #eee;
}

.quick-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.quick-card {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 15px;
  min-width: 0;
  min-height: 132px;
  padding: 16px;
  border-right: 1px solid var(--line);
  transition:
    background-color var(--transition),
    box-shadow var(--transition);
}

.quick-card:first-child {
  border-left: 1px solid var(--line);
}

.quick-card:hover {
  background: var(--white);
  box-shadow: inset 0 -3px var(--gold);
}

.quick-card .icon {
  flex: none;
  color: var(--navy);
  font-size: 31px;
  font-weight: 300;
  transition: transform var(--transition), color var(--transition);
}

.quick-card:hover .icon {
  color: var(--gold);
  transform: translateY(-2px);
}

.quick-card strong {
  display: block;
  margin-bottom: 2px;
  font-size: 14px;
}

.quick-card small {
  display: block;
  color: var(--muted);
  font-size: 11px;
}

/* =========================================================
   8. GENERAL SECTIONS AND TYPOGRAPHY
   ========================================================= */

.section {
  padding: 100px 0;
}

.section-alt {
  background: var(--section-grey);
}

.section-cream {
  background: var(--cream);
}

.split-intro {
  display: grid;
  grid-template-columns: 310px minmax(0, 1fr);
  align-items: start;
  gap: 62px;
}

h2 {
  margin: 0 0 20px;
  color: var(--navy);
  font-family: "Playfair Display", Georgia, serif;
  font-size: 40px;
  font-weight: 500;
  line-height: 1.15;
  letter-spacing: -0.8px;
}

h2 em {
  font-style: italic;
}

h3 {
  color: var(--navy);
}

.intro-copy > p:not(.eyebrow),
.approach-copy > p:not(.eyebrow) {
  color: var(--muted);
  font-size: 14px;
  line-height: 1.8;
}

.intro-copy {
  min-width: 0;
}

.intro-copy > p:last-child {
  margin-bottom: 0;
}

/* =========================================================
   9. SOLUTION CARDS
   ========================================================= */

.solution-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.solution-card {
  min-width: 0;
  overflow: hidden;
  background: var(--white);
  border: 1px solid #e4e7e9;
  box-shadow: 0 7px 24px rgba(10, 30, 50, 0.05);
  transition:
    transform 250ms ease,
    box-shadow 250ms ease,
    border-color 250ms ease;
}

.solution-card:hover {
  transform: translateY(-4px);
  border-color: rgba(196, 145, 47, 0.5);
  box-shadow: var(--shadow);
}

.card-image {
  height: 155px;
  background-position: center;
  background-size: cover;
  transition: background-size 250ms ease;
}

.protection-img {
  background-image:
    linear-gradient(135deg, rgba(6, 35, 63, 0.08), rgba(196, 145, 47, 0.2)),
    url("https://images.unsplash.com/photo-1504150558240-0b4fd8946624?auto=format&fit=crop&w=900&q=80");
}

.investment-img {
  background-image:
    linear-gradient(135deg, rgba(6, 35, 63, 0.05), rgba(196, 145, 47, 0.15)),
    url("https://images.unsplash.com/photo-1526304640581-d334cdbbf45e?auto=format&fit=crop&w=900&q=80");
}

.structured-img {
  background-image:
    linear-gradient(135deg, rgba(6, 35, 63, 0.1), rgba(196, 145, 47, 0.1)),
    url("https://images.unsplash.com/photo-1497366754035-f200968a6e72?auto=format&fit=crop&w=900&q=80");
}

.retirement-img {
  background-image:
    linear-gradient(135deg, rgba(6, 35, 63, 0.04), rgba(196, 145, 47, 0.1)),
    url("https://images.unsplash.com/photo-1470770841072-f978cf4d019e?auto=format&fit=crop&w=900&q=80");
}

.card-body {
  padding: 18px 19px 20px;
}

.card-body h3 {
  margin: 0 0 7px;
  color: var(--navy);
  font-family: "Playfair Display", Georgia, serif;
  font-size: 19px;
}

.card-body p {
  min-height: 38px;
  margin: 0 0 12px;
  color: var(--muted);
  font-size: 12px;
  line-height: 1.6;
}

.solution-card .card-body > a {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  color: var(--navy);
  font-size: 11px;
  font-weight: 700;
}

.solution-card .card-body > a span {
  display: grid;
  place-items: center;
  width: 24px;
  height: 24px;
  border: 1px solid var(--gold);
  border-radius: 50%;
  color: var(--gold);
  font-size: 14px;
  line-height: 1;
  transition:
    background-color var(--transition),
    color var(--transition),
    transform var(--transition);
}

.solution-card .card-body > a:hover span {
  background: var(--gold);
  color: var(--white);
  transform: translateX(3px);
}

/* =========================================================
   10. APPROACH SECTION
   ========================================================= */

.approach {
  background: #e8eeea;
  border-block: 1px solid #d7e0da;
}

.approach-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  align-items: center;
  gap: 72px;
}

.approach-image {
  position: relative;
  min-height: 390px;
}

.approach-photo {
  position: absolute;
  inset: 0 50px 0 0;
  background:
    linear-gradient(145deg, rgba(5, 33, 55, 0.18), rgba(5, 33, 55, 0.04)),
    url("https://images.unsplash.com/photo-1497215842964-222b430dc094?auto=format&fit=crop&w=1200&q=85")
    center / cover;
}

.image-quote {
  position: absolute;
  top: 30px;
  left: 26px;
  color: var(--white);
  font-family: "Playfair Display", Georgia, serif;
  font-size: 25px;
  font-style: italic;
  line-height: 1.18;
  text-shadow: 0 2px 15px rgba(0, 0, 0, 0.2);
}

.benefits {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
  margin-top: 34px;
}

.benefits div {
  color: var(--navy);
  font-size: 11px;
}

.benefits span {
  display: grid;
  place-items: center;
  width: 38px;
  height: 38px;
  margin-bottom: 10px;
  border: 1px solid #aebbc5;
  border-radius: 50%;
  font-size: 18px;
  transition:
    background-color var(--transition),
    color var(--transition),
    border-color var(--transition);
}

.benefits div:hover span {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}

.benefits strong {
  font-size: 11px;
  line-height: 1.4;
}

/* =========================================================
   11. PROCESS SECTION
   ========================================================= */

.process {
  background: var(--white);
}

.center-heading {
  max-width: 620px;
  margin: 0 auto 45px;
  text-align: center;
}

.center-heading h2 {
  margin-bottom: 10px;
}

.center-heading > p:last-child {
  color: var(--muted);
  font-size: 14px;
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  border-top: 1px solid var(--line);
}

.process-grid > div {
  padding: 28px 24px;
  border-right: 1px solid var(--line);
  transition: background-color var(--transition);
}

.process-grid > div:first-child {
  border-left: 1px solid var(--line);
}

.process-grid > div:hover {
  background: #fbfaf6;
}

.process-grid b {
  color: var(--gold);
  font-size: 12px;
}

.process-grid h3 {
  margin: 10px 0 6px;
  color: var(--navy);
  font-family: "Playfair Display", Georgia, serif;
  font-size: 22px;
}

.process-grid p {
  margin: 0;
  color: var(--muted);
  font-size: 12px;
}

/* =========================================================
   12. CTA SECTION AND HOMEPAGE FORM
   ========================================================= */

.cta-section {
  position: relative;
  overflow: hidden;
  padding: 65px 0;
  background: var(--navy);
  color: var(--white);
}

.cta-bg {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(
      90deg,
      rgba(3, 27, 49, 0.98),
      rgba(3, 27, 49, 0.93) 58%,
      rgba(3, 27, 49, 0.7)
    ),
    url("https://images.unsplash.com/photo-1500534623283-312aade485b7?auto=format&fit=crop&w=1800&q=80")
    center / cover;
}

.cta-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  align-items: center;
  gap: 65px;
}

.cta-section h2 {
  margin-bottom: 12px;
  color: var(--white);
}

.cta-section .eyebrow {
  margin-bottom: 12px;
}

.cta-section > div > p:not(.eyebrow) {
  max-width: 490px;
  color: rgba(255, 255, 255, 0.76);
  font-size: 13px;
}

.contact-form {
  display: grid;
  gap: 12px;
}

.contact-form > .form-row > label {
  display: block;
  min-width: 0;
}

.contact-form input[name="website"] {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.form-row {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}

.contact-form input,
.contact-form select {
  width: 100%;
  min-width: 0;
  height: 46px;
  padding: 0 14px;
  border: 1px solid transparent;
  border-radius: 4px;
  outline: none;
  background: var(--white);
  color: var(--text);
  transition:
    border-color var(--transition),
    box-shadow var(--transition);
}

.contact-form input:focus,
.contact-form select:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(196, 145, 47, 0.2);
}

.contact-form .btn {
  justify-self: start;
}

.form-message {
  min-height: 18px;
  margin: 0 !important;
  color: #e8d39c !important;
  font-size: 12px !important;
}

/* =========================================================
   13. FOOTER
   ========================================================= */

.footer-top {
  display: grid;
  grid-template-columns: 1.1fr 1fr 1fr;
  align-items: center;
  gap: 30px;
  min-height: 112px;
}

.footer-meta {
  display: flex;
  justify-content: center;
  gap: 26px;
  min-width: 0;
  color: var(--muted);
  font-size: 11px;
  line-height: 1.5;
  text-align: center;
}

.footer-meta span {
  display: block;
  max-width: 100%;
  overflow-wrap: anywhere;
}

.footer-links {
  display: flex;
  justify-content: flex-end;
  flex-wrap: wrap;
  gap: 22px;
  color: var(--navy);
  font-size: 11px;
  font-weight: 600;
}

.footer-links a {
  transition: color var(--transition);
}

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

.footer-bottom {
  padding: 15px 0;
  background: #041c31;
  color: rgba(255, 255, 255, 0.65);
  font-size: 10px;
}

.footer-bottom .container {
  display: flex;
  justify-content: space-between;
  gap: 16px;
}

.footer-bottom a {
  color: inherit;
  transition: color var(--transition);
}

.footer-bottom a:hover {
  color: var(--white);
}

.cta-strip {
  background: #041c31;
  color: var(--white);
}

.cta-strip h2 {
  color: var(--white);
}

.cta-strip-content {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}

/* =========================================================
   14. INNER PAGE HEROES
   ========================================================= */

.page-hero {
  position: relative;
  isolation: isolate;
  display: flex;
  align-items: center;
  min-height: 420px;
  overflow: hidden;
  padding: 0;
  background: var(--navy-2);
  color: var(--white);
}

.page-hero::before,
.page-hero::after {
  content: "";
  position: absolute;
  inset: 0;
}

.page-hero::before {
  z-index: 0;
  background-image: var(--hero-image);
  background-position: center;
  background-size: cover;
  transform: scale(1.01);
}

.page-hero::after {
  z-index: 1;
  background: linear-gradient(
    90deg,
    rgba(4, 29, 52, 0.92) 0%,
    rgba(4, 29, 52, 0.76) 48%,
    rgba(4, 29, 52, 0.24) 100%
  );
}

.page-hero-video {
  position: absolute;
  inset: 0;
  z-index: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-about {
  --hero-image: url("https://images.unsplash.com/photo-1497215842964-222b430dc094?auto=format&fit=crop&w=2000&q=85");
}

.hero-solutions {
  --hero-image: url("https://images.unsplash.com/photo-1460925895917-afdab827c52f?auto=format&fit=crop&w=2000&q=85");
}

.hero-how-it-works {
  --hero-image: url("https://images.unsplash.com/photo-1521737711867-e3b97375f902?auto=format&fit=crop&w=2000&q=85");
}

.hero-claims {
  --hero-image: url("https://images.unsplash.com/photo-1521791136064-7986c2920216?auto=format&fit=crop&w=2000&q=85");
}

.hero-contact {
  --hero-image: url("https://images.unsplash.com/photo-1516321318423-f06f85e504b3?auto=format&fit=crop&w=2000&q=85");
}

.hero-protection {
  --hero-image: url("https://images.unsplash.com/photo-1511895426328-dc8714191300?auto=format&fit=crop&w=2000&q=85");
}

.hero-investments {
  --hero-image: url("https://images.unsplash.com/photo-1460925895917-afdab827c52f?auto=format&fit=crop&w=2000&q=85");
}

.hero-retirement {
  --hero-image: url("https://images.unsplash.com/photo-1470770841072-f978cf4d019e?auto=format&fit=crop&w=2000&q=85");
}

.hero-structured {
  --hero-image: url("https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&w=2000&q=85");
}

.page-hero .container {
  position: relative;
  z-index: 2;
  padding-block: 76px;
}

.page-hero .narrow {
  max-width: 760px;
}

.page-hero .eyebrow {
  color: rgba(255, 255, 255, 0.8);
}

.page-hero h1 {
  margin: 0 0 18px;
  color: var(--white);
  font-family: "Playfair Display", Georgia, serif;
  font-size: 52px;
  font-weight: 500;
  line-height: 1.06;
  letter-spacing: -1.2px;
}

.page-hero .lead {
  max-width: 640px;
  margin: 0;
  color: rgba(255, 255, 255, 0.86);
  font-size: 17px;
  line-height: 1.7;
}

.page-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 30px;
}

.page-actions .btn-light-outline.dark {
  border-color: rgba(255, 255, 255, 0.65);
  background: rgba(255, 255, 255, 0.1);
  color: var(--white);
}

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

.subtle-hero {
  background: linear-gradient(180deg, #f7f4ee 0%, #fff 100%);
}

.breadcrumbs {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 28px;
  color: rgba(255, 255, 255, 0.76);
  font-size: 12px;
}

.breadcrumbs a,
.breadcrumbs span:last-child {
  color: var(--white);
}

.breadcrumbs a {
  font-weight: 600;
}

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

/* =========================================================
   15. INNER PAGE CONTENT COMPONENTS
   ========================================================= */

.soft-section {
  background: #e8eeea;
  border-block: 1px solid #d7e0da;
}

.content-block {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  align-items: center;
  gap: 48px;
}

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

.content-grid {
  display: grid;
  gap: 18px;
}

.three-up {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.four-up {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.info-card,
.feature-card,
.solution-feature-card,
.panel-image,
.quote-panel,
.contact-panel,
.form-panel,
.note-box,
.process-item,
.mini-steps > div {
  background: var(--white);
  border: 1px solid rgba(6, 35, 63, 0.08);
  box-shadow: 0 12px 30px rgba(6, 35, 63, 0.03);
}

.info-card,
.feature-card,
.solution-feature-card {
  padding: 26px 22px;
  transition:
    transform var(--transition),
    box-shadow var(--transition),
    border-color var(--transition);
}

.info-card:hover,
.feature-card:hover,
.solution-feature-card:hover {
  transform: translateY(-3px);
  border-color: rgba(196, 145, 47, 0.35);
  box-shadow: 0 16px 34px rgba(6, 35, 63, 0.08);
}

.info-card h3,
.feature-card h3,
.solution-feature-card h2 {
  margin: 0 0 12px;
  color: var(--navy);
  font-family: "Playfair Display", Georgia, serif;
}

.info-card h3 {
  font-size: 24px;
}

.info-card p,
.feature-card p,
.solution-feature-card p {
  margin: 0;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.75;
}

.solution-overview-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 20px;
}

.solution-feature-card h2 {
  margin-bottom: 12px;
  font-size: 32px;
  line-height: 1.2;
}

.solution-feature-card ul {
  margin: 18px 0 20px;
  padding-left: 18px;
  color: var(--text);
  font-size: 14px;
  line-height: 2;
}

.solution-badge {
  display: inline-block;
  padding: 8px 12px;
  border-radius: 999px;
  background: #f5f1e6;
  color: var(--navy);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
}

.feature-grid {
  display: grid;
  gap: 18px;
}

.feature-card {
  padding: 24px 20px;
}

.feature-icon {
  display: inline-grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 14px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-size: 12px;
  font-weight: 700;
  transition:
    background-color var(--transition),
    transform var(--transition);
}

.feature-card:hover .feature-icon {
  background: var(--gold);
  transform: translateY(-2px);
}

.panel-visual {
  min-height: 360px;
}

.panel-image-one {
  height: 100%;
  min-height: 360px;
  border-radius: 8px;
  background:
    linear-gradient(145deg, rgba(9, 44, 77, 0.18), rgba(196, 145, 47, 0.08)),
    url("https://images.unsplash.com/photo-1517048676732-d65bc937f952?auto=format&fit=crop&w=1200&q=85")
    center / cover;
}

.quote-panel {
  padding: 32px 28px;
  border-radius: 12px;
  color: var(--navy);
  font-family: "Playfair Display", Georgia, serif;
  font-size: 28px;
  line-height: 1.4;
  text-align: center;
}

.timeline {
  display: grid;
  gap: 18px;
}

.timeline-step {
  display: grid;
  grid-template-columns: 74px minmax(0, 1fr);
  gap: 18px;
  padding: 24px 22px;
  background: var(--white);
  border: 1px solid rgba(6, 35, 63, 0.08);
  box-shadow: 0 10px 28px rgba(6, 35, 63, 0.03);
}

.timeline-step > span {
  display: grid;
  place-items: center;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: #f7f1e2;
  color: var(--navy);
  font-size: 13px;
  font-weight: 700;
}

.timeline-step h3 {
  margin: 0 0 8px;
  color: var(--navy);
  font-family: "Playfair Display", Georgia, serif;
  font-size: 24px;
}

.timeline-step p {
  margin: 0;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.7;
}

.process-list {
  display: grid;
  gap: 18px;
}

.process-item {
  display: grid;
  grid-template-columns: 72px minmax(0, 1fr);
  gap: 18px;
  padding: 22px 20px;
}

.process-item > span {
  display: grid;
  place-items: center;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-weight: 700;
}

.process-item h3 {
  margin: 0 0 8px;
  color: var(--navy);
  font-family: "Playfair Display", Georgia, serif;
  font-size: 24px;
}

.process-item p {
  margin: 0;
  color: var(--muted);
  line-height: 1.7;
}

.note-box {
  padding: 30px 28px;
}

.note-box p {
  margin: 0;
  color: var(--navy);
  font-size: 18px;
  line-height: 1.7;
  text-align: center;
}

/* =========================================================
   16. CONTACT PAGE
   ========================================================= */

.contact-layout {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  align-items: start;
  gap: 28px;
}

.contact-panel,
.form-panel {
  padding: 30px 28px;
  border: 1px solid rgba(6, 35, 63, 0.08);
  background: var(--white);
  box-shadow: 0 12px 30px rgba(6, 35, 63, 0.02);
}

.detail-list {
  display: grid;
  gap: 10px;
  margin: 18px 0 22px;
  padding: 0;
  list-style: none;
  color: var(--text);
  font-size: 14px;
}

.muted-copy {
  color: var(--muted);
  line-height: 1.7;
}

.form-panel label {
  display: block;
  margin-bottom: 16px;
}

.form-panel label span {
  display: block;
  margin-bottom: 8px;
  color: var(--navy);
  font-size: 12px;
  font-weight: 700;
}

.form-panel input,
.form-panel select,
.form-panel textarea {
  width: 100%;
  min-width: 0;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  color: var(--text);
  font: inherit;
  transition:
    border-color var(--transition),
    box-shadow var(--transition);
}

.form-panel textarea {
  min-height: 110px;
  resize: vertical;
}

.form-panel input:focus,
.form-panel select:focus,
.form-panel textarea:focus {
  outline: none;
  border-color: rgba(196, 145, 47, 0.8);
  box-shadow: 0 0 0 3px rgba(196, 145, 47, 0.12);
}

.checkbox-row {
  display: flex;
  align-items: flex-start;
  gap: 12px !important;
  margin: 18px 0 22px !important;
}

.checkbox-row input {
  width: auto;
  margin-top: 3px;
}

.checkbox-row span {
  margin: 0 !important;
}

.mini-steps {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.mini-steps > div {
  padding: 24px 18px;
  text-align: center;
  transition:
    transform var(--transition),
    box-shadow var(--transition);
}

.mini-steps > div:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow);
}

.mini-steps strong {
  display: inline-grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 14px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--white);
  font-size: 12px;
}

.mini-steps p {
  margin: 0;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.6;
}

/* =========================================================
   17. TABLET AND MOBILE NAVIGATION
   ========================================================= */

@media (max-width: 980px) {
  .site-header {
    height: 70px;
  }

  .nav-wrap {
    display: flex;
    gap: 12px;
  }

  .nav-cta {
    display: none !important;
  }

  .menu-toggle {
    display: block;
    flex: none;
  }

  .main-nav {
    display: none;
    position: fixed;
    top: 70px;
    left: 10px;
    right: 10px;
    z-index: 60;
    width: auto;
    max-height: calc(100dvh - 150px);
    overflow-x: hidden;
    overflow-y: auto;
    overscroll-behavior: contain;
    flex-direction: column;
    align-items: stretch;
    gap: 4px;
    padding: 18px 14px 20px;
    border: 1px solid rgba(218, 178, 101, 0.35);
    border-radius: 14px;
    background:
      radial-gradient(circle at top right, rgba(54, 105, 150, 0.28), transparent 45%),
      linear-gradient(145deg, #102f4c 0%, #08243e 55%, #04182b 100%);
    box-shadow: 0 16px 40px rgba(3, 19, 34, 0.3);
    color: var(--white);
  }

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

  .main-nav > a:not(.btn),
  .main-nav .dropdown-toggle {
    display: flex;
    align-items: center;
    justify-content: space-between;
    width: 100%;
    padding: 14px 16px;
    border: 0;
    border-radius: 8px;
    background: transparent !important;
    color: var(--white) !important;
    font-size: 15px;
    font-weight: 600;
    text-align: left;
    white-space: normal;
  }

  .main-nav > a:not(.btn)::after,
  .main-nav .dropdown-toggle::after {
    display: none;
  }

  .main-nav > a:not(.btn):hover,
  .main-nav > a:not(.btn):focus-visible,
  .main-nav > a.active,
  .main-nav .dropdown-toggle:hover,
  .main-nav .dropdown-toggle:focus-visible,
  .main-nav .dropdown-toggle.active,
  .main-nav .nav-item.open > .dropdown-toggle {
    background: rgba(255, 255, 255, 0.12) !important;
    color: var(--white) !important;
  }

  .main-nav .nav-chevron {
    border-color: var(--white);
  }

  .nav-item {
    position: static;
    width: 100%;
  }

  /*
    Mobile dropdowns are controlled by the .open class.
    Desktop hover effects must not force them open on mobile.
  */

  .nav-dropdown .dropdown-panel {
    display: none;
    position: static;
    width: 100%;
    margin: 0;
    padding: 0;
    border: 1px solid rgba(218, 178, 101, 0.25);
    border-radius: 10px;
    background: #09223a;
    box-shadow: none;
    overflow: visible;
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transform: none;
    transition: none;
  }

  .nav-dropdown .dropdown-panel::before,
  .nav-dropdown .dropdown-panel::after {
    display: none;
  }

  .main-nav .nav-item.open > .dropdown-panel {
    display: block;
    transform: none;
  }

  .main-nav .nav-item:hover > .dropdown-panel,
  .main-nav .nav-item:focus-within > .dropdown-panel {
    transform: none;
  }

  .dropdown-content {
    display: grid;
    grid-template-columns: minmax(0, 1fr);
    gap: 6px;
    padding: 8px;
  }

  .main-nav .dropdown-link {
    display: flex;
    flex-direction: column;
    gap: 4px;
    padding: 12px 14px;
    border: 1px solid transparent;
    border-radius: 7px;
    background: rgba(255, 255, 255, 0.07) !important;
    color: var(--white) !important;
  }

  .main-nav .dropdown-link:hover,
  .main-nav .dropdown-link:focus-visible,
  .main-nav .dropdown-link.active {
    border-color: rgba(232, 201, 135, 0.3);
    background: rgba(255, 255, 255, 0.15) !important;
    color: var(--white) !important;
  }

  .main-nav .dropdown-link strong {
    display: block;
    margin: 0;
    color: #e8c987 !important;
    font-size: 14px;
  }

  .main-nav .dropdown-link small {
    display: block;
    color: rgba(255, 255, 255, 0.82) !important;
    font-size: 12px;
    line-height: 1.6;
  }

  .main-nav .dropdown-footer {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    margin: 0 8px 8px;
    padding: 13px 14px;
    border-radius: 7px;
    background: #e8c987 !important;
    color: #071f35 !important;
  }

  .main-nav .dropdown-footer:hover {
    background: #f0dba9 !important;
  }

  .main-nav .dropdown-footer a {
    color: #071f35 !important;
  }

  /* Fixed mobile consultation button */

  .nav-wrap > .nav-cta-mobile {
    display: inline-flex !important;
    position: fixed;
    left: 10px;
    right: 10px;
    bottom: calc(10px + env(safe-area-inset-bottom, 0px));
    z-index: 1100;
    align-items: center;
    justify-content: center;
    gap: 10px;
    width: auto;
    min-height: 54px;
    margin: 0;
    padding: 14px 20px;
    border: 1px solid rgba(255, 255, 255, 0.65);
    border-radius: 999px;
    background: linear-gradient(110deg, #e8c987, #d8ad61) !important;
    box-shadow: 0 8px 28px rgba(3, 19, 34, 0.3);
    color: #071f35 !important;
    font-size: 13px;
    font-weight: 700;
    line-height: 1.4;
    text-align: center;
    white-space: normal;
  }

  .nav-wrap > .nav-cta-mobile span {
    color: #071f35 !important;
  }

  .nav-wrap > .nav-cta-mobile:hover,
  .nav-wrap > .nav-cta-mobile:focus-visible {
    background: #f0dba9 !important;
    color: #071f35 !important;
  }

  body.menu-open .nav-wrap > .nav-cta-mobile {
    display: none !important;
  }

  .main-nav .nav-cta-mobile {
    display: none !important;
  }

  body {
    padding-bottom: calc(78px + env(safe-area-inset-bottom, 0px));
  }

  .hero h1,
  .hero-slide-heading {
    font-size: 46px;
  }

  .split-intro {
    grid-template-columns: minmax(0, 1fr);
    gap: 35px;
  }

  .intro-copy {
    max-width: 560px;
  }

  .approach-grid {
    gap: 40px;
  }

  .three-up,
  .four-up {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .content-block,
  .contact-layout,
  .solution-overview-grid,
  .two-column {
    grid-template-columns: minmax(0, 1fr);
  }

  .footer-top {
    grid-template-columns: minmax(0, 1fr);
    justify-items: center;
    padding: 35px 0;
  }

  .footer-links {
    justify-content: center;
  }
}

/* =========================================================
   18. MOBILE LAYOUT
   ========================================================= */

@media (max-width: 760px) {
  .container {
    width: min(calc(100% - 32px), 600px);
  }

  .hero {
    min-height: 680px;
  }

  .hero-image {
    background-position: 63% center;
  }

  .hero-content {
    padding-top: 75px;
  }

  .hero-copy-carousel {
    min-height: 360px;
  }

  .hero h1,
  .hero-slide-heading {
    font-size: 42px;
  }

  .hero-copy {
    font-size: 14px;
  }

  .hero-tag {
    right: 25px;
    bottom: 28px;
    font-size: 22px;
  }

  .page-hero {
    min-height: 390px;
  }

  .page-hero h1 {
    font-size: 40px;
  }

  .page-hero::after {
    background: linear-gradient(
      90deg,
      rgba(4, 29, 52, 0.9),
      rgba(4, 29, 52, 0.62)
    );
  }

  .page-hero .container {
    padding-block: 60px;
  }

  .page-hero .lead {
    font-size: 15px;
  }

  .quick-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .quick-card {
    min-height: 105px;
    padding: 12px;
    border-bottom: 1px solid var(--line);
  }

  .quick-card:nth-child(odd) {
    border-left: 1px solid var(--line);
  }

  .quick-card:nth-child(even) {
    border-right: 1px solid var(--line);
  }

  .quick-card .icon {
    font-size: 25px;
  }

  .quick-card small {
    font-size: 10px;
  }

  .section {
    padding: 72px 0;
  }

  h2 {
    font-size: 34px;
  }

  .solution-grid,
  .solution-overview-grid,
  .three-up,
  .four-up,
  .mini-steps {
    grid-template-columns: minmax(0, 1fr);
  }

  .approach-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .approach-image {
    min-height: 330px;
  }

  .approach-photo {
    inset: 0;
  }

  .benefits {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .process-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .process-grid > div:nth-child(3) {
    border-left: 1px solid var(--line);
  }

  .cta-grid {
    grid-template-columns: minmax(0, 1fr);
    gap: 35px;
  }

  .cta-strip-content {
    align-items: flex-start;
    flex-direction: column;
  }

  .form-row {
    grid-template-columns: minmax(0, 1fr);
  }

  .footer-meta {
    flex-direction: column;
    align-items: center;
    gap: 8px;
    width: 100%;
  }

  .footer-bottom .container {
    flex-direction: column;
    gap: 8px;
    text-align: center;
  }

  .timeline-step {
    grid-template-columns: 58px minmax(0, 1fr);
    gap: 12px;
    padding: 20px 16px;
  }

  .timeline-step h3,
  .process-item h3 {
    font-size: 21px;
  }

  .process-item {
    grid-template-columns: 58px minmax(0, 1fr);
    gap: 12px;
    padding: 20px 16px;
  }

  .contact-panel,
  .form-panel {
    padding: 24px 20px;
  }

  .quote-panel {
    padding: 26px 20px;
    font-size: 24px;
  }
}

/* =========================================================
   19. SMALL MOBILE
   ========================================================= */

@media (max-width: 430px) {
  .container {
    width: calc(100% - 28px);
  }

  .brand {
    gap: 8px;
  }

  .brand strong {
    font-size: 18px;
  }

  .brand small {
    font-size: 7px;
    letter-spacing: 1.8px;
  }

  .brand-mark {
    width: 58px;
    height: 58px;
  }

  .hero h1,
  .hero-slide-heading {
    font-size: 36px;
  }

  .hero-actions .btn {
    width: 100%;
  }

  .quick-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .quick-card {
    justify-content: flex-start;
    border-right: 1px solid var(--line) !important;
    border-left: 1px solid var(--line) !important;
    padding-inline: 20px;
  }

  .process-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .process-grid > div,
  .process-grid > div:nth-child(3) {
    border-left: 1px solid var(--line);
  }

  .main-nav {
    top: 70px;
    left: 8px;
    right: 8px;
    max-height: calc(100dvh - 140px);
    padding: 14px 10px 16px;
  }

  .main-nav > a:not(.btn),
  .main-nav .dropdown-toggle {
    padding: 13px 14px;
    font-size: 14px;
  }

  .nav-wrap > .nav-cta-mobile {
    left: 8px;
    right: 8px;
    bottom: calc(8px + env(safe-area-inset-bottom, 0px));
    min-height: 52px;
    font-size: 12px;
  }

  .page-hero h1 {
    font-size: 35px;
  }

  .page-actions .btn {
    width: 100%;
  }
}

/* =========================================================
   20. DESKTOP-ONLY NAVIGATION AND CTA
   ========================================================= */

@media (min-width: 981px) {
  .main-nav {
    display: flex;
    position: static;
    max-height: none;
    overflow: visible;
    background: transparent;
    border: 0;
    border-radius: 0;
    box-shadow: none;
  }

  .nav-cta {
    display: inline-flex !important;
  }

  .nav-wrap > .nav-cta-mobile {
    display: none !important;
  }

  body {
    padding-bottom: 0;
  }

  body.menu-open {
    overflow: auto;
  }
}

/* =========================================================
   21. REDUCED MOTION ACCESSIBILITY
   ========================================================= */

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }

  .page-hero-video {
    display: none;
  }

  .hero-slide {
    transition: none;
  }
}
/* =========================================================
   SUN GLOBAL ADVISORY SERVICES
   Global styles, navigation, components and responsive layout
   ========================================================= */

/* 1. DESIGN TOKENS */
:root {
  --navy: #06233f;
  --navy-2: #092c4d;
  --navy-3: #123f63;
  --gold: #c4912f;
  --gold-light: #d9b15b;
  --cream: #f8f7f2;
  --white: #fff;
  --text: #17324d;
  --muted: #68798a;
  --line: #dce1e5;
  --section-grey: #f5f6f7;
  --shadow: 0 16px 45px rgba(6, 35, 63, 0.10);
  --shadow-hover: 0 20px 45px rgba(6, 35, 63, 0.14);
  --radius: 4px;
  --transition: 200ms ease;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 95px;
}

body {
  margin: 0;
  font-family: "DM Sans", Arial, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

body.menu-open {
  overflow: hidden;
}

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

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

button,
input,
select,
textarea {
  font: inherit;
}

button {
  color: inherit;
}

button,
a,
select,
input,
textarea {
  -webkit-tap-highlight-color: transparent;
}

:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 3px;
}

::selection {
  background: rgba(196, 145, 47, 0.22);
  color: var(--navy);
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.container {
  width: min(1160px, calc(100% - 48px));
  margin-inline: auto;
}

/* =========================================================
   2. HEADER AND NAVIGATION
   ========================================================= */

.site-header {
  height: 78px;
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.97);
  border-bottom: 1px solid var(--line);
  box-shadow: 0 4px 18px rgba(6, 35, 63, 0.06);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
}

.nav-wrap {
  height: 100%;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto minmax(0, 1fr);
  align-items: center;
  gap: 24px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 11px;
  justify-self: start;
  min-width: 0;
  color: var(--navy);
}

.brand-mark {
  width: 68px;
  height: 68px;
  display: block;
  object-fit: contain;
  flex: none;
}

.brand strong {
  display: block;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 21px;
  letter-spacing: 2px;
  font-weight: 500;
  line-height: 1;
}

.brand small {
  display: block;
  margin-top: 5px;
  font-size: 8px;
  letter-spacing: 2.4px;
  font-weight: 700;
}

/* Main navigation layout */

.main-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 4px;
  font-size: 13px;
  font-weight: 600;
}

.main-nav > a:not(.btn),
.main-nav .dropdown-toggle {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 13px;
  border: 0;
  border-radius: 5px;
  background: transparent;
  color: var(--navy);
  font: inherit;
  font-weight: 600;
  letter-spacing: 0.015em;
  white-space: nowrap;
  cursor: pointer;
  transition:
    color var(--transition),
    background-color var(--transition);
}

/* Gold indicator under hovered and active menu items */

.main-nav > a:not(.btn)::after,
.main-nav .dropdown-toggle::after {
  content: "";
  position: absolute;
  left: 13px;
  right: 13px;
  bottom: 5px;
  height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left center;
  transition: transform var(--transition);
}

.main-nav > a:not(.btn):hover,
.main-nav .dropdown-toggle:hover,
.main-nav > a:not(.btn).active,
.main-nav .dropdown-toggle.active,
.main-nav .nav-item.open > .dropdown-toggle {
  color: var(--navy);
  background: #f5f1e6;
}

.main-nav > a:not(.btn):hover::after,
.main-nav > a:not(.btn).active::after,
.main-nav .dropdown-toggle:hover::after,
.main-nav .dropdown-toggle.active::after,
.main-nav .nav-item.open > .dropdown-toggle::after {
  transform: scaleX(1);
}

.main-nav > a:not(.btn):focus-visible,
.main-nav .dropdown-toggle:focus-visible {
  outline-offset: 2px;
}

.nav-item {
  position: relative;
}

.nav-chevron {
  width: 7px;
  height: 7px;
  flex: none;
  border-right: 1.5px solid currentColor;
  border-bottom: 1.5px solid currentColor;
  transform: rotate(45deg) translateY(-2px);
  transition: transform var(--transition);
}

.nav-item:hover .nav-chevron,
.nav-item.open .nav-chevron,
.nav-item:focus-within .nav-chevron {
  transform: rotate(225deg) translateY(-1px);
}

/* =========================================================
   3. DESKTOP SOLUTIONS DROPDOWN
   ========================================================= */

/*
  The dropdown begins exactly at the bottom of its parent.
  Avoid adding a margin or top offset that creates a hover gap.
*/

.nav-dropdown {
  position: relative;
}

.nav-dropdown .dropdown-panel {
  position: absolute;
  top: 100%;
  left: 50%;
  width: min(720px, calc(100vw - 48px));
  margin: 0;
  padding: 10px 0 0;
  border: 0;
  background: transparent;
  box-shadow: none;
  border-radius: 0;
  overflow: visible;

  opacity: 0;
  visibility: hidden;
  pointer-events: none;

  transform: translate(-50%, 8px);
  transition:
    opacity 180ms ease,
    transform 180ms ease,
    visibility 180ms ease;

  z-index: 120;
}

/* The actual visible dropdown surface */

.nav-dropdown .dropdown-panel::after {
  content: "";
  position: absolute;
  inset: 10px 0 0;
  z-index: 0;
  background: var(--white);
  border: 1px solid var(--line);
  border-top: 3px solid var(--gold);
  border-radius: 7px;
  box-shadow: 0 18px 40px rgba(6, 35, 63, 0.16);
  pointer-events: none;
}

/* Invisible bridge fills the gap above the visible panel */

.nav-dropdown .dropdown-panel::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 12px;
  z-index: 2;
  background: transparent;
}

/* Open states: hover, keyboard focus or JavaScript-controlled .open */

.nav-dropdown:hover > .dropdown-panel,
.nav-dropdown:focus-within > .dropdown-panel,
.nav-dropdown.open > .dropdown-panel {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translate(-50%, 0);
}

.dropdown-content {
  position: relative;
  z-index: 3;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px;
  padding: 24px 16px 14px;
}

.dropdown-link {
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 4px;
  min-width: 0;
  padding: 16px;
  border: 1px solid transparent;
  border-radius: 5px;
  background: transparent;
  transition:
    background-color var(--transition),
    border-color var(--transition),
    transform var(--transition);
}

.dropdown-link:hover,
.dropdown-link:focus-visible,
.dropdown-link.active {
  background: #f8f5ed;
  border-color: rgba(196, 145, 47, 0.28);
}

.dropdown-link:hover {
  transform: translateY(-1px);
}

.dropdown-link strong {
  display: block;
  margin: 0;
  color: var(--navy);
  font-size: 14px;
  font-weight: 700;
  line-height: 1.4;
}

.dropdown-link small {
  display: block;
  color: #526579;
  font-size: 12px;
  line-height: 1.6;
}

.dropdown-link:hover strong,
.dropdown-link:focus-visible strong {
  color: #8a611b;
}

.dropdown-footer {
  position: relative;
  z-index: 3;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin: 0;
  padding: 14px 18px;
  border-radius: 0 0 7px 7px;
  background: var(--navy);
  color: var(--white);
  font-size: 13px;
  font-weight: 600;
  transition: background-color var(--transition);
}

.dropdown-footer:hover,
.dropdown-footer:focus-visible {
  background: var(--navy-3);
}

.dropdown-footer:focus-visible {
  outline-offset: -4px;
}

/* =========================================================
   4. BUTTONS AND CALLS TO ACTION
   ========================================================= */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 13px;
  min-height: 44px;
  padding: 12px 22px;
  border: 1px solid transparent;
  border-radius: 999px;
  font-size: 12px;
  font-weight: 700;
  line-height: 1.4;
  text-align: center;
  cursor: pointer;
  transition:
    background-color var(--transition),
    color var(--transition),
    border-color var(--transition),
    box-shadow var(--transition),
    transform var(--transition);
}

.btn span {
  font-size: 17px;
  line-height: 1;
  transition: transform var(--transition);
}

.btn:hover span {
  transform: translateX(2px);
}

.btn:active {
  transform: translateY(0);
}

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

.btn-dark:hover {
  background: var(--navy-3);
  color: var(--white);
  box-shadow: 0 5px 14px rgba(6, 35, 63, 0.15);
  transform: translateY(-2px);
}

.btn-gold {
  background: var(--gold);
  color: var(--white);
}

.btn-gold:hover {
  background: #a9781f;
  color: var(--white);
  box-shadow: 0 5px 14px rgba(196, 145, 47, 0.22);
  transform: translateY(-2px);
}

.btn-light-outline {
  border-color: rgba(255, 255, 255, 0.75);
  background: rgba(255, 255, 255, 0.08);
  color: var(--white);
}

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

.nav-cta {
  display: inline-flex;
  justify-self: end;
  white-space: nowrap;
}

.nav-cta-mobile {
  display: none;
}

.text-btn {
  display: inline-flex;
  align-items: center;
  gap: 13px;
  margin-top: 18px;
  padding: 10px 19px;
  border: 1px solid var(--gold);
  border-radius: 999px;
  color: var(--navy);
  font-size: 12px;
  font-weight: 700;
  transition:
    background-color var(--transition),
    color var(--transition),
    transform var(--transition);
}

.text-btn:hover {
  background: var(--gold);
  color: var(--white);
  transform: translateY(-1px);
}

/* =========================================================
   5. MOBILE MENU TOGGLE AND OVERLAY
   ========================================================= */

.menu-toggle {
  display: none;
  position: relative;
  width: 44px;
  height: 44px;
  margin-left: auto;
  padding: 0;
  border: 0;
  border-radius: 12px;
  background: transparent;
  cursor: pointer;
}

.menu-toggle:hover {
  background: rgba(6, 35, 63, 0.06);
}

.menu-toggle span {
  position: absolute;
  left: 11px;
  display: block;
  width: 22px;
  height: 2px;
  border-radius: 2px;
  background: var(--navy);
  transition:
    transform var(--transition),
    opacity var(--transition),
    top var(--transition);
}

.menu-toggle span:nth-child(1) {
  top: 15px;
}

.menu-toggle span:nth-child(2) {
  top: 21px;
}

.menu-toggle span:nth-child(3) {
  top: 27px;
}

.menu-toggle[aria-expanded="true"] span:nth-child(1) {
  top: 21px;
  transform: rotate(45deg);
}

.menu-toggle[aria-expanded="true"] span:nth-child(2) {
  opacity: 0;
}

.menu-toggle[aria-expanded="true"] span:nth-child(3) {
  top: 21px;
  transform: rotate(-45deg);
}

.nav-overlay {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 40;
  background: rgba(6, 35, 63, 0.42);
}

body.menu-open .nav-overlay {
  display: block;
}

/* =========================================================
   6. HOMEPAGE HERO
   ========================================================= */

.hero {
  position: relative;
  min-height: 535px;
  overflow: hidden;
  background: var(--navy);
  color: var(--white);
}

.hero-image {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(
      90deg,
      rgba(4, 29, 52, 0.96) 0%,
      rgba(4, 29, 52, 0.82) 34%,
      rgba(4, 29, 52, 0.16) 72%,
      rgba(4, 29, 52, 0.05) 100%
    ),
    url("https://images.unsplash.com/photo-1500530855697-b586d89ba3ee?auto=format&fit=crop&w=2200&q=85")
    center / cover;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    180deg,
    rgba(0, 0, 0, 0.08),
    rgba(0, 0, 0, 0.08)
  );
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 2;
  padding-top: 92px;
  padding-bottom: 100px;
}

.hero-copy-carousel {
  position: relative;
  min-height: 345px;
}

.hero-slide {
  position: absolute;
  inset: 0;
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition:
    opacity 650ms ease,
    transform 650ms ease,
    visibility 650ms ease;
}

.hero-slide.is-active {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.eyebrow {
  margin: 0 0 14px;
  color: #718297;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 1.8px;
  text-transform: uppercase;
}

.eyebrow span {
  display: inline-block;
  width: 22px;
  height: 2px;
  margin-right: 10px;
  background: var(--gold);
  vertical-align: middle;
}

.eyebrow.light {
  color: #f4f6f7;
}

.hero h1,
.hero-slide-heading {
  max-width: 620px;
  margin: 0 0 22px;
  font-family: "Playfair Display", Georgia, serif;
  font-size: 52px;
  font-weight: 500;
  line-height: 1.08;
  letter-spacing: -1.3px;
}

.hero-copy {
  max-width: 530px;
  margin: 0 0 28px;
  color: rgba(255, 255, 255, 0.88);
  font-size: 15px;
  line-height: 1.7;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 13px;
}

.hero-tag {
  position: absolute;
  right: 8%;
  bottom: 46px;
  z-index: 2;
  color: var(--white);
  font-family: "Playfair Display", Georgia, serif;
  font-size: 28px;
  font-style: italic;
  line-height: 1.05;
  text-align: left;
  transform: rotate(-3deg);
}

.hero-tag i,
.image-quote i {
  display: block;
  width: 78px;
  height: 3px;
  margin-top: 12px;
  background: var(--gold);
  transform: rotate(-7deg);
}

/* =========================================================
   7. QUICK LINKS
   ========================================================= */

.quick-links {
  background: #fbfaf6;
  border-bottom: 1px solid #eee;
}

.quick-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.quick-card {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 15px;
  min-width: 0;
  min-height: 132px;
  padding: 16px;
  border-right: 1px solid var(--line);
  transition:
    background-color var(--transition),
    box-shadow var(--transition);
}

.quick-card:first-child {
  border-left: 1px solid var(--line);
}

.quick-card:hover {
  background: var(--white);
  box-shadow: inset 0 -3px var(--gold);
}

.quick-card .icon {
  flex: none;
  color: var(--navy);
  font-size: 31px;
  font-weight: 300;
  transition: transform var(--transition), color var(--transition);
}

.quick-card:hover .icon {
  color: var(--gold);
  transform: translateY(-2px);
}

.quick-card strong {
  display: block;
  margin-bottom: 2px;
  font-size: 14px;
}

.quick-card small {
  display: block;
  color: var(--muted);
  font-size: 11px;
}

/* =========================================================
   8. GENERAL SECTIONS AND TYPOGRAPHY
   ========================================================= */

.section {
  padding: 100px 0;
}

.section-alt {
  background: var(--section-grey);
}

.section-cream {
  background: var(--cream);
}

.split-intro {
  display: grid;
  grid-template-columns: 310px minmax(0, 1fr);
  align-items: start;
  gap: 62px;
}

h2 {
  margin: 0 0 20px;
  color: var(--navy);
  font-family: "Playfair Display", Georgia, serif;
  font-size: 40px;
  font-weight: 500;
  line-height: 1.15;
  letter-spacing: -0.8px;
}

h2 em {
  font-style: italic;
}

h3 {
  color: var(--navy);
}

.intro-copy > p:not(.eyebrow),
.approach-copy > p:not(.eyebrow) {
  color: var(--muted);
  font-size: 14px;
  line-height: 1.8;
}

.intro-copy {
  min-width: 0;
}

.intro-copy > p:last-child {
  margin-bottom: 0;
}

/* =========================================================
   9. SOLUTION CARDS
   ========================================================= */

.solution-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.solution-card {
  min-width: 0;
  overflow: hidden;
  background: var(--white);
  border: 1px solid #e4e7e9;
  box-shadow: 0 7px 24px rgba(10, 30, 50, 0.05);
  transition:
    transform 250ms ease,
    box-shadow 250ms ease,
    border-color 250ms ease;
}

.solution-card:hover {
  transform: translateY(-4px);
  border-color: rgba(196, 145, 47, 0.5);
  box-shadow: var(--shadow);
}

.card-image {
  height: 155px;
  background-position: center;
  background-size: cover;
  transition: background-size 250ms ease;
}

.protection-img {
  background-image:
    linear-gradient(135deg, rgba(6, 35, 63, 0.08), rgba(196, 145, 47, 0.2)),
    url("https://images.unsplash.com/photo-1504150558240-0b4fd8946624?auto=format&fit=crop&w=900&q=80");
}

.investment-img {
  background-image:
    linear-gradient(135deg, rgba(6, 35, 63, 0.05), rgba(196, 145, 47, 0.15)),
    url("https://images.unsplash.com/photo-1526304640581-d334cdbbf45e?auto=format&fit=crop&w=900&q=80");
}

.structured-img {
  background-image:
    linear-gradient(135deg, rgba(6, 35, 63, 0.1), rgba(196, 145, 47, 0.1)),
    url("https://images.unsplash.com/photo-1497366754035-f200968a6e72?auto=format&fit=crop&w=900&q=80");
}

.retirement-img {
  background-image:
    linear-gradient(135deg, rgba(6, 35, 63, 0.04), rgba(196, 145, 47, 0.1)),
    url("https://images.unsplash.com/photo-1470770841072-f978cf4d019e?auto=format&fit=crop&w=900&q=80");
}

.card-body {
  padding: 18px 19px 20px;
}

.card-body h3 {
  margin: 0 0 7px;
  color: var(--navy);
  font-family: "Playfair Display", Georgia, serif;
  font-size: 19px;
}

.card-body p {
  min-height: 38px;
  margin: 0 0 12px;
  color: var(--muted);
  font-size: 12px;
  line-height: 1.6;
}

.solution-card .card-body > a {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  color: var(--navy);
  font-size: 11px;
  font-weight: 700;
}

.solution-card .card-body > a span {
  display: grid;
  place-items: center;
  width: 24px;
  height: 24px;
  border: 1px solid var(--gold);
  border-radius: 50%;
  color: var(--gold);
  font-size: 14px;
  line-height: 1;
  transition:
    background-color var(--transition),
    color var(--transition),
    transform var(--transition);
}

.solution-card .card-body > a:hover span {
  background: var(--gold);
  color: var(--white);
  transform: translateX(3px);
}

/* =========================================================
   10. APPROACH SECTION
   ========================================================= */

.approach {
  background: #e8eeea;
  border-block: 1px solid #d7e0da;
}

.approach-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  align-items: center;
  gap: 72px;
}

.approach-image {
  position: relative;
  min-height: 390px;
}

.approach-photo {
  position: absolute;
  inset: 0 50px 0 0;
  background:
    linear-gradient(145deg, rgba(5, 33, 55, 0.18), rgba(5, 33, 55, 0.04)),
    url("https://images.unsplash.com/photo-1497215842964-222b430dc094?auto=format&fit=crop&w=1200&q=85")
    center / cover;
}

.image-quote {
  position: absolute;
  top: 30px;
  left: 26px;
  color: var(--white);
  font-family: "Playfair Display", Georgia, serif;
  font-size: 25px;
  font-style: italic;
  line-height: 1.18;
  text-shadow: 0 2px 15px rgba(0, 0, 0, 0.2);
}

.benefits {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
  margin-top: 34px;
}

.benefits div {
  color: var(--navy);
  font-size: 11px;
}

.benefits span {
  display: grid;
  place-items: center;
  width: 38px;
  height: 38px;
  margin-bottom: 10px;
  border: 1px solid #aebbc5;
  border-radius: 50%;
  font-size: 18px;
  transition:
    background-color var(--transition),
    color var(--transition),
    border-color var(--transition);
}

.benefits div:hover span {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}

.benefits strong {
  font-size: 11px;
  line-height: 1.4;
}

/* =========================================================
   11. PROCESS SECTION
   ========================================================= */

.process {
  background: var(--white);
}

.center-heading {
  max-width: 620px;
  margin: 0 auto 45px;
  text-align: center;
}

.center-heading h2 {
  margin-bottom: 10px;
}

.center-heading > p:last-child {
  color: var(--muted);
  font-size: 14px;
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  border-top: 1px solid var(--line);
}

.process-grid > div {
  padding: 28px 24px;
  border-right: 1px solid var(--line);
  transition: background-color var(--transition);
}

.process-grid > div:first-child {
  border-left: 1px solid var(--line);
}

.process-grid > div:hover {
  background: #fbfaf6;
}

.process-grid b {
  color: var(--gold);
  font-size: 12px;
}

.process-grid h3 {
  margin: 10px 0 6px;
  color: var(--navy);
  font-family: "Playfair Display", Georgia, serif;
  font-size: 22px;
}

.process-grid p {
  margin: 0;
  color: var(--muted);
  font-size: 12px;
}

/* =========================================================
   12. CTA SECTION AND HOMEPAGE FORM
   ========================================================= */

.cta-section {
  position: relative;
  overflow: hidden;
  padding: 65px 0;
  background: var(--navy);
  color: var(--white);
}

.cta-bg {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(
      90deg,
      rgba(3, 27, 49, 0.98),
      rgba(3, 27, 49, 0.93) 58%,
      rgba(3, 27, 49, 0.7)
    ),
    url("https://images.unsplash.com/photo-1500534623283-312aade485b7?auto=format&fit=crop&w=1800&q=80")
    center / cover;
}

.cta-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  align-items: center;
  gap: 65px;
}

.cta-section h2 {
  margin-bottom: 12px;
  color: var(--white);
}

.cta-section .eyebrow {
  margin-bottom: 12px;
}

.cta-section > div > p:not(.eyebrow) {
  max-width: 490px;
  color: rgba(255, 255, 255, 0.76);
  font-size: 13px;
}

.contact-form {
  display: grid;
  gap: 12px;
}

.contact-form > .form-row > label {
  display: block;
  min-width: 0;
}

.contact-form input[name="website"] {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.form-row {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}

.contact-form input,
.contact-form select {
  width: 100%;
  min-width: 0;
  height: 46px;
  padding: 0 14px;
  border: 1px solid transparent;
  border-radius: 4px;
  outline: none;
  background: var(--white);
  color: var(--text);
  transition:
    border-color var(--transition),
    box-shadow var(--transition);
}

.contact-form input:focus,
.contact-form select:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(196, 145, 47, 0.2);
}

.contact-form .btn {
  justify-self: start;
}

.form-message {
  min-height: 18px;
  margin: 0 !important;
  color: #e8d39c !important;
  font-size: 12px !important;
}

/* =========================================================
   13. FOOTER
   ========================================================= */

.footer-top {
  display: grid;
  grid-template-columns: 1.1fr 1fr 1fr;
  align-items: center;
  gap: 30px;
  min-height: 112px;
}

.footer-meta {
  display: flex;
  justify-content: center;
  gap: 26px;
  min-width: 0;
  color: var(--muted);
  font-size: 11px;
  line-height: 1.5;
  text-align: center;
}

.footer-meta span {
  display: block;
  max-width: 100%;
  overflow-wrap: anywhere;
}

.footer-links {
  display: flex;
  justify-content: flex-end;
  flex-wrap: wrap;
  gap: 22px;
  color: var(--navy);
  font-size: 11px;
  font-weight: 600;
}

.footer-links a {
  transition: color var(--transition);
}

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

.footer-bottom {
  padding: 15px 0;
  background: #041c31;
  color: rgba(255, 255, 255, 0.65);
  font-size: 10px;
}

.footer-bottom .container {
  display: flex;
  justify-content: space-between;
  gap: 16px;
}

.footer-bottom a {
  color: inherit;
  transition: color var(--transition);
}

.footer-bottom a:hover {
  color: var(--white);
}

.cta-strip {
  background: #041c31;
  color: var(--white);
}

.cta-strip h2 {
  color: var(--white);
}

.cta-strip-content {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}

/* =========================================================
   14. INNER PAGE HEROES
   ========================================================= */

.page-hero {
  position: relative;
  isolation: isolate;
  display: flex;
  align-items: center;
  min-height: 420px;
  overflow: hidden;
  padding: 0;
  background: var(--navy-2);
  color: var(--white);
}

.page-hero::before,
.page-hero::after {
  content: "";
  position: absolute;
  inset: 0;
}

.page-hero::before {
  z-index: 0;
  background-image: var(--hero-image);
  background-position: center;
  background-size: cover;
  transform: scale(1.01);
}

.page-hero::after {
  z-index: 1;
  background: linear-gradient(
    90deg,
    rgba(4, 29, 52, 0.92) 0%,
    rgba(4, 29, 52, 0.76) 48%,
    rgba(4, 29, 52, 0.24) 100%
  );
}

.page-hero-video {
  position: absolute;
  inset: 0;
  z-index: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-about {
  --hero-image: url("https://images.unsplash.com/photo-1497215842964-222b430dc094?auto=format&fit=crop&w=2000&q=85");
}

.hero-solutions {
  --hero-image: url("https://images.unsplash.com/photo-1460925895917-afdab827c52f?auto=format&fit=crop&w=2000&q=85");
}

.hero-how-it-works {
  --hero-image: url("https://images.unsplash.com/photo-1521737711867-e3b97375f902?auto=format&fit=crop&w=2000&q=85");
}

.hero-claims {
  --hero-image: url("https://images.unsplash.com/photo-1521791136064-7986c2920216?auto=format&fit=crop&w=2000&q=85");
}

.hero-contact {
  --hero-image: url("https://images.unsplash.com/photo-1516321318423-f06f85e504b3?auto=format&fit=crop&w=2000&q=85");
}

.hero-protection {
  --hero-image: url("https://images.unsplash.com/photo-1511895426328-dc8714191300?auto=format&fit=crop&w=2000&q=85");
}

.hero-investments {
  --hero-image: url("https://images.unsplash.com/photo-1460925895917-afdab827c52f?auto=format&fit=crop&w=2000&q=85");
}

.hero-retirement {
  --hero-image: url("https://images.unsplash.com/photo-1470770841072-f978cf4d019e?auto=format&fit=crop&w=2000&q=85");
}

.hero-structured {
  --hero-image: url("https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&w=2000&q=85");
}

.page-hero .container {
  position: relative;
  z-index: 2;
  padding-block: 76px;
}

.page-hero .narrow {
  max-width: 760px;
}

.page-hero .eyebrow {
  color: rgba(255, 255, 255, 0.8);
}

.page-hero h1 {
  margin: 0 0 18px;
  color: var(--white);
  font-family: "Playfair Display", Georgia, serif;
  font-size: 52px;
  font-weight: 500;
  line-height: 1.06;
  letter-spacing: -1.2px;
}

.page-hero .lead {
  max-width: 640px;
  margin: 0;
  color: rgba(255, 255, 255, 0.86);
  font-size: 17px;
  line-height: 1.7;
}

.page-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 30px;
}

.page-actions .btn-light-outline.dark {
  border-color: rgba(255, 255, 255, 0.65);
  background: rgba(255, 255, 255, 0.1);
  color: var(--white);
}

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

.subtle-hero {
  background: linear-gradient(180deg, #f7f4ee 0%, #fff 100%);
}

.breadcrumbs {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 28px;
  color: rgba(255, 255, 255, 0.76);
  font-size: 12px;
}

.breadcrumbs a,
.breadcrumbs span:last-child {
  color: var(--white);
}

.breadcrumbs a {
  font-weight: 600;
}

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

/* =========================================================
   15. INNER PAGE CONTENT COMPONENTS
   ========================================================= */

.soft-section {
  background: #e8eeea;
  border-block: 1px solid #d7e0da;
}

.content-block {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  align-items: center;
  gap: 48px;
}

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

.content-grid {
  display: grid;
  gap: 18px;
}

.three-up {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.four-up {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.info-card,
.feature-card,
.solution-feature-card,
.panel-image,
.quote-panel,
.contact-panel,
.form-panel,
.note-box,
.process-item,
.mini-steps > div {
  background: var(--white);
  border: 1px solid rgba(6, 35, 63, 0.08);
  box-shadow: 0 12px 30px rgba(6, 35, 63, 0.03);
}

.info-card,
.feature-card,
.solution-feature-card {
  padding: 26px 22px;
  transition:
    transform var(--transition),
    box-shadow var(--transition),
    border-color var(--transition);
}

.info-card:hover,
.feature-card:hover,
.solution-feature-card:hover {
  transform: translateY(-3px);
  border-color: rgba(196, 145, 47, 0.35);
  box-shadow: 0 16px 34px rgba(6, 35, 63, 0.08);
}

.info-card h3,
.feature-card h3,
.solution-feature-card h2 {
  margin: 0 0 12px;
  color: var(--navy);
  font-family: "Playfair Display", Georgia, serif;
}

.info-card h3 {
  font-size: 24px;
}

.info-card p,
.feature-card p,
.solution-feature-card p {
  margin: 0;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.75;
}

.solution-overview-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 20px;
}

.solution-feature-card h2 {
  margin-bottom: 12px;
  font-size: 32px;
  line-height: 1.2;
}

.solution-feature-card ul {
  margin: 18px 0 20px;
  padding-left: 18px;
  color: var(--text);
  font-size: 14px;
  line-height: 2;
}

.solution-badge {
  display: inline-block;
  padding: 8px 12px;
  border-radius: 999px;
  background: #f5f1e6;
  color: var(--navy);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
}

.feature-grid {
  display: grid;
  gap: 18px;
}

.feature-card {
  padding: 24px 20px;
}

.feature-icon {
  display: inline-grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 14px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-size: 12px;
  font-weight: 700;
  transition:
    background-color var(--transition),
    transform var(--transition);
}

.feature-card:hover .feature-icon {
  background: var(--gold);
  transform: translateY(-2px);
}

.panel-visual {
  min-height: 360px;
}

.panel-image-one {
  height: 100%;
  min-height: 360px;
  border-radius: 8px;
  background:
    linear-gradient(145deg, rgba(9, 44, 77, 0.18), rgba(196, 145, 47, 0.08)),
    url("https://images.unsplash.com/photo-1517048676732-d65bc937f952?auto=format&fit=crop&w=1200&q=85")
    center / cover;
}

.quote-panel {
  padding: 32px 28px;
  border-radius: 12px;
  color: var(--navy);
  font-family: "Playfair Display", Georgia, serif;
  font-size: 28px;
  line-height: 1.4;
  text-align: center;
}

.timeline {
  display: grid;
  gap: 18px;
}

.timeline-step {
  display: grid;
  grid-template-columns: 74px minmax(0, 1fr);
  gap: 18px;
  padding: 24px 22px;
  background: var(--white);
  border: 1px solid rgba(6, 35, 63, 0.08);
  box-shadow: 0 10px 28px rgba(6, 35, 63, 0.03);
}

.timeline-step > span {
  display: grid;
  place-items: center;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: #f7f1e2;
  color: var(--navy);
  font-size: 13px;
  font-weight: 700;
}

.timeline-step h3 {
  margin: 0 0 8px;
  color: var(--navy);
  font-family: "Playfair Display", Georgia, serif;
  font-size: 24px;
}

.timeline-step p {
  margin: 0;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.7;
}

.process-list {
  display: grid;
  gap: 18px;
}

.process-item {
  display: grid;
  grid-template-columns: 72px minmax(0, 1fr);
  gap: 18px;
  padding: 22px 20px;
}

.process-item > span {
  display: grid;
  place-items: center;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-weight: 700;
}

.process-item h3 {
  margin: 0 0 8px;
  color: var(--navy);
  font-family: "Playfair Display", Georgia, serif;
  font-size: 24px;
}

.process-item p {
  margin: 0;
  color: var(--muted);
  line-height: 1.7;
}

.note-box {
  padding: 30px 28px;
}

.note-box p {
  margin: 0;
  color: var(--navy);
  font-size: 18px;
  line-height: 1.7;
  text-align: center;
}

/* =========================================================
   16. CONTACT PAGE
   ========================================================= */

.contact-layout {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  align-items: start;
  gap: 28px;
}

.contact-panel,
.form-panel {
  padding: 30px 28px;
  border: 1px solid rgba(6, 35, 63, 0.08);
  background: var(--white);
  box-shadow: 0 12px 30px rgba(6, 35, 63, 0.02);
}

.detail-list {
  display: grid;
  gap: 10px;
  margin: 18px 0 22px;
  padding: 0;
  list-style: none;
  color: var(--text);
  font-size: 14px;
}

.muted-copy {
  color: var(--muted);
  line-height: 1.7;
}

.form-panel label {
  display: block;
  margin-bottom: 16px;
}

.form-panel label span {
  display: block;
  margin-bottom: 8px;
  color: var(--navy);
  font-size: 12px;
  font-weight: 700;
}

.form-panel input,
.form-panel select,
.form-panel textarea {
  width: 100%;
  min-width: 0;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  color: var(--text);
  font: inherit;
  transition:
    border-color var(--transition),
    box-shadow var(--transition);
}

.form-panel textarea {
  min-height: 110px;
  resize: vertical;
}

.form-panel input:focus,
.form-panel select:focus,
.form-panel textarea:focus {
  outline: none;
  border-color: rgba(196, 145, 47, 0.8);
  box-shadow: 0 0 0 3px rgba(196, 145, 47, 0.12);
}

.checkbox-row {
  display: flex;
  align-items: flex-start;
  gap: 12px !important;
  margin: 18px 0 22px !important;
}

.checkbox-row input {
  width: auto;
  margin-top: 3px;
}

.checkbox-row span {
  margin: 0 !important;
}

.mini-steps {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.mini-steps > div {
  padding: 24px 18px;
  text-align: center;
  transition:
    transform var(--transition),
    box-shadow var(--transition);
}

.mini-steps > div:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow);
}

.mini-steps strong {
  display: inline-grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 14px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--white);
  font-size: 12px;
}

.mini-steps p {
  margin: 0;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.6;
}

/* =========================================================
   17. TABLET AND MOBILE NAVIGATION
   ========================================================= */

@media (max-width: 980px) {
  .site-header {
    height: 70px;
  }

  .nav-wrap {
    display: flex;
    gap: 12px;
  }

  .nav-cta {
    display: none !important;
  }

  .menu-toggle {
    display: block;
    flex: none;
  }

  .main-nav {
    display: none;
    position: fixed;
    top: 70px;
    left: 10px;
    right: 10px;
    z-index: 60;
    width: auto;
    max-height: calc(100dvh - 150px);
    overflow-x: hidden;
    overflow-y: auto;
    overscroll-behavior: contain;
    flex-direction: column;
    align-items: stretch;
    gap: 4px;
    padding: 18px 14px 20px;
    border: 1px solid rgba(218, 178, 101, 0.35);
    border-radius: 14px;
    background:
      radial-gradient(circle at top right, rgba(54, 105, 150, 0.28), transparent 45%),
      linear-gradient(145deg, #102f4c 0%, #08243e 55%, #04182b 100%);
    box-shadow: 0 16px 40px rgba(3, 19, 34, 0.3);
    color: var(--white);
  }

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

  .main-nav > a:not(.btn),
  .main-nav .dropdown-toggle {
    display: flex;
    align-items: center;
    justify-content: space-between;
    width: 100%;
    padding: 14px 16px;
    border: 0;
    border-radius: 8px;
    background: transparent !important;
    color: var(--white) !important;
    font-size: 15px;
    font-weight: 600;
    text-align: left;
    white-space: normal;
  }

  .main-nav > a:not(.btn)::after,
  .main-nav .dropdown-toggle::after {
    display: none;
  }

  .main-nav > a:not(.btn):hover,
  .main-nav > a:not(.btn):focus-visible,
  .main-nav > a.active,
  .main-nav .dropdown-toggle:hover,
  .main-nav .dropdown-toggle:focus-visible,
  .main-nav .dropdown-toggle.active,
  .main-nav .nav-item.open > .dropdown-toggle {
    background: rgba(255, 255, 255, 0.12) !important;
    color: var(--white) !important;
  }

  .main-nav .nav-chevron {
    border-color: var(--white);
  }

  .nav-item {
    position: static;
    width: 100%;
  }

  /*
    Mobile dropdowns are controlled by the .open class.
    Desktop hover effects must not force them open on mobile.
  */

  .nav-dropdown .dropdown-panel {
    display: none;
    position: static;
    width: 100%;
    margin: 0;
    padding: 0;
    border: 1px solid rgba(218, 178, 101, 0.25);
    border-radius: 10px;
    background: #09223a;
    box-shadow: none;
    overflow: visible;
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transform: none;
    transition: none;
  }

  .nav-dropdown .dropdown-panel::before,
  .nav-dropdown .dropdown-panel::after {
    display: none;
  }

  .main-nav .nav-item.open > .dropdown-panel {
    display: block;
    transform: none;
  }

  .main-nav .nav-item:hover > .dropdown-panel,
  .main-nav .nav-item:focus-within > .dropdown-panel {
    transform: none;
  }

  .dropdown-content {
    display: grid;
    grid-template-columns: minmax(0, 1fr);
    gap: 6px;
    padding: 8px;
  }

  .main-nav .dropdown-link {
    display: flex;
    flex-direction: column;
    gap: 4px;
    padding: 12px 14px;
    border: 1px solid transparent;
    border-radius: 7px;
    background: rgba(255, 255, 255, 0.07) !important;
    color: var(--white) !important;
  }

  .main-nav .dropdown-link:hover,
  .main-nav .dropdown-link:focus-visible,
  .main-nav .dropdown-link.active {
    border-color: rgba(232, 201, 135, 0.3);
    background: rgba(255, 255, 255, 0.15) !important;
    color: var(--white) !important;
  }

  .main-nav .dropdown-link strong {
    display: block;
    margin: 0;
    color: #e8c987 !important;
    font-size: 14px;
  }

  .main-nav .dropdown-link small {
    display: block;
    color: rgba(255, 255, 255, 0.82) !important;
    font-size: 12px;
    line-height: 1.6;
  }

  .main-nav .dropdown-footer {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    margin: 0 8px 8px;
    padding: 13px 14px;
    border-radius: 7px;
    background: #e8c987 !important;
    color: #071f35 !important;
  }

  .main-nav .dropdown-footer:hover {
    background: #f0dba9 !important;
  }

  .main-nav .dropdown-footer a {
    color: #071f35 !important;
  }

  /* Fixed mobile consultation button */

  .nav-wrap > .nav-cta-mobile {
    display: inline-flex !important;
    position: fixed;
    left: 10px;
    right: 10px;
    bottom: calc(10px + env(safe-area-inset-bottom, 0px));
    z-index: 1100;
    align-items: center;
    justify-content: center;
    gap: 10px;
    width: auto;
    min-height: 54px;
    margin: 0;
    padding: 14px 20px;
    border: 1px solid rgba(255, 255, 255, 0.65);
    border-radius: 999px;
    background: linear-gradient(110deg, #e8c987, #d8ad61) !important;
    box-shadow: 0 8px 28px rgba(3, 19, 34, 0.3);
    color: #071f35 !important;
    font-size: 13px;
    font-weight: 700;
    line-height: 1.4;
    text-align: center;
    white-space: normal;
  }

  .nav-wrap > .nav-cta-mobile span {
    color: #071f35 !important;
  }

  .nav-wrap > .nav-cta-mobile:hover,
  .nav-wrap > .nav-cta-mobile:focus-visible {
    background: #f0dba9 !important;
    color: #071f35 !important;
  }

  body.menu-open .nav-wrap > .nav-cta-mobile {
    display: none !important;
  }

  .main-nav .nav-cta-mobile {
    display: none !important;
  }

  body {
    padding-bottom: calc(78px + env(safe-area-inset-bottom, 0px));
  }

  .hero h1,
  .hero-slide-heading {
    font-size: 46px;
  }

  .split-intro {
    grid-template-columns: minmax(0, 1fr);
    gap: 35px;
  }

  .intro-copy {
    max-width: 560px;
  }

  .approach-grid {
    gap: 40px;
  }

  .three-up,
  .four-up {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .content-block,
  .contact-layout,
  .solution-overview-grid,
  .two-column {
    grid-template-columns: minmax(0, 1fr);
  }

  .footer-top {
    grid-template-columns: minmax(0, 1fr);
    justify-items: center;
    padding: 35px 0;
  }

  .footer-links {
    justify-content: center;
  }
}

/* =========================================================
   18. MOBILE LAYOUT
   ========================================================= */

@media (max-width: 760px) {
  .container {
    width: min(calc(100% - 32px), 600px);
  }

  .hero {
    min-height: 680px;
  }

  .hero-image {
    background-position: 63% center;
  }

  .hero-content {
    padding-top: 75px;
  }

  .hero-copy-carousel {
    min-height: 360px;
  }

  .hero h1,
  .hero-slide-heading {
    font-size: 42px;
  }

  .hero-copy {
    font-size: 14px;
  }

  .hero-tag {
    right: 25px;
    bottom: 28px;
    font-size: 22px;
  }

  .page-hero {
    min-height: 390px;
  }

  .page-hero h1 {
    font-size: 40px;
  }

  .page-hero::after {
    background: linear-gradient(
      90deg,
      rgba(4, 29, 52, 0.9),
      rgba(4, 29, 52, 0.62)
    );
  }

  .page-hero .container {
    padding-block: 60px;
  }

  .page-hero .lead {
    font-size: 15px;
  }

  .quick-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .quick-card {
    min-height: 105px;
    padding: 12px;
    border-bottom: 1px solid var(--line);
  }

  .quick-card:nth-child(odd) {
    border-left: 1px solid var(--line);
  }

  .quick-card:nth-child(even) {
    border-right: 1px solid var(--line);
  }

  .quick-card .icon {
    font-size: 25px;
  }

  .quick-card small {
    font-size: 10px;
  }

  .section {
    padding: 72px 0;
  }

  h2 {
    font-size: 34px;
  }

  .solution-grid,
  .solution-overview-grid,
  .three-up,
  .four-up,
  .mini-steps {
    grid-template-columns: minmax(0, 1fr);
  }

  .approach-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .approach-image {
    min-height: 330px;
  }

  .approach-photo {
    inset: 0;
  }

  .benefits {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .process-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .process-grid > div:nth-child(3) {
    border-left: 1px solid var(--line);
  }

  .cta-grid {
    grid-template-columns: minmax(0, 1fr);
    gap: 35px;
  }

  .cta-strip-content {
    align-items: flex-start;
    flex-direction: column;
  }

  .form-row {
    grid-template-columns: minmax(0, 1fr);
  }

  .footer-meta {
    flex-direction: column;
    align-items: center;
    gap: 8px;
    width: 100%;
  }

  .footer-bottom .container {
    flex-direction: column;
    gap: 8px;
    text-align: center;
  }

  .timeline-step {
    grid-template-columns: 58px minmax(0, 1fr);
    gap: 12px;
    padding: 20px 16px;
  }

  .timeline-step h3,
  .process-item h3 {
    font-size: 21px;
  }

  .process-item {
    grid-template-columns: 58px minmax(0, 1fr);
    gap: 12px;
    padding: 20px 16px;
  }

  .contact-panel,
  .form-panel {
    padding: 24px 20px;
  }

  .quote-panel {
    padding: 26px 20px;
    font-size: 24px;
  }
}

/* =========================================================
   19. SMALL MOBILE
   ========================================================= */

@media (max-width: 430px) {
  .container {
    width: calc(100% - 28px);
  }

  .brand {
    gap: 8px;
  }

  .brand strong {
    font-size: 18px;
  }

  .brand small {
    font-size: 7px;
    letter-spacing: 1.8px;
  }

  .brand-mark {
    width: 58px;
    height: 58px;
  }

  .hero h1,
  .hero-slide-heading {
    font-size: 36px;
  }

  .hero-actions .btn {
    width: 100%;
  }

  .quick-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .quick-card {
    justify-content: flex-start;
    border-right: 1px solid var(--line) !important;
    border-left: 1px solid var(--line) !important;
    padding-inline: 20px;
  }

  .process-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .process-grid > div,
  .process-grid > div:nth-child(3) {
    border-left: 1px solid var(--line);
  }

  .main-nav {
    top: 70px;
    left: 8px;
    right: 8px;
    max-height: calc(100dvh - 140px);
    padding: 14px 10px 16px;
  }

  .main-nav > a:not(.btn),
  .main-nav .dropdown-toggle {
    padding: 13px 14px;
    font-size: 14px;
  }

  .nav-wrap > .nav-cta-mobile {
    left: 8px;
    right: 8px;
    bottom: calc(8px + env(safe-area-inset-bottom, 0px));
    min-height: 52px;
    font-size: 12px;
  }

  .page-hero h1 {
    font-size: 35px;
  }

  .page-actions .btn {
    width: 100%;
  }
}

/* =========================================================
   20. DESKTOP-ONLY NAVIGATION AND CTA
   ========================================================= */

@media (min-width: 981px) {
  .main-nav {
    display: flex;
    position: static;
    max-height: none;
    overflow: visible;
    background: transparent;
    border: 0;
    border-radius: 0;
    box-shadow: none;
  }

  .nav-cta {
    display: inline-flex !important;
  }

  .nav-wrap > .nav-cta-mobile {
    display: none !important;
  }

  body {
    padding-bottom: 0;
  }

  body.menu-open {
    overflow: auto;
  }
}

/* =========================================================
   21. REDUCED MOTION ACCESSIBILITY
   ========================================================= */

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }

  .page-hero-video {
    display: none;
  }

  .hero-slide {
    transition: none;
  }
}

/* ==============================
   Fixed Mobile Consultation CTA
============================== */

/* Hide on desktop */
/* Fixed Mobile Consultation CTA */
.nav-cta-mobile {
  display: none;
}

@media (max-width: 980px) {
  .nav-cta-mobile {
    position: fixed;
    right: 16px;
    bottom: max(12px, env(safe-area-inset-bottom));
    left: 16px;
    z-index: 1300;

    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;

    min-height: 54px;
    margin: 0;
    padding: 14px 20px;

    color: #fff;
    background: #06233f;
    border: 1px solid #06233f;
    border-radius: 8px;
    box-shadow: 0 8px 26px rgba(4, 26, 46, 0.25);

    font-size: 0.95rem;
    font-weight: 700;
    text-align: center;
    text-decoration: none;

    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transform: translateY(12px);
    transition:
      opacity 220ms ease,
      transform 220ms ease,
      visibility 220ms ease;
  }

  .nav-cta-mobile.is-visible {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transform: translateY(0);
  }

  .nav-cta-mobile:hover {
    color: #fff;
    background: #123b5b;
  }

  body {
    padding-bottom: 90px;
  }

  body.contact-page {
    padding-bottom: 0;
  }

  body.contact-page .nav-cta-mobile {
    display: none;
  }
}

@media (max-width: 680px) {
  .nav-cta-mobile {
    right: 12px;
    left: 12px;
    min-height: 52px;
    padding: 13px 16px;
    font-size: 0.92rem;
  }
}

@media (prefers-reduced-motion: reduce) {
  .nav-cta-mobile {
    transition: none;
  }
}