/*
Theme Name: CPD - Chris P Doherty
Description: Personal finance insights theme for Chris P Doherty
Version: 1.0.0
Text Domain: cpd
*/

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:        #0d1f3c;
  --navy-mid:    #1a3560;
  --navy-light:  #2a4f8a;
  --navy-pale:   #eef2f8;
  --gold:        #b8942a;
  --gold-bright: #c9a84c;
  --gold-light:  #e8c97a;
  --gold-pale:   #fdf6e3;
  --green:       #1a4a2e;
  --green-mid:   #2d6e45;
  --green-pale:  #edf5f0;
  --burgundy:    #7a2e3b;
  --burgundy-pale: #f7eef0;
  --white:       #ffffff;
  --off-white:   #f9f7f4;
  --border:      #e5e2db;
  --text:        #1a1a2e;
  --text-mid:    #374151;
  --text-muted:  #6b7280;
  --serif:       'DM Serif Display', Georgia, serif;
  --sans:        'DM Sans', system-ui, sans-serif;
}

/* ─── DARK MODE OVERRIDES ──────────────────────────── */
[data-theme="dark"] {
  --white:       #1f2942;
  --off-white:   #2a3556;
  --border:      #44557e;
  --text:        #ece6d8;
  --text-mid:    #c8c3bb;
  --text-muted:  #97a7bf;
  --navy-pale:   #15264a;
  --gold-pale:   #3a3014;
  --green-pale:  #1a3325;
  --burgundy-pale: #3a1c24;
}

/* Default navy icon-wrap stroke is too dark on the new icon bg — brighten it */
[data-theme="dark"] .svc-card .svc-icon-wrap svg { stroke: #7ba9e0; }
[data-theme="dark"] .business-cards .svc-card:nth-child(2) .svc-icon-wrap svg,
[data-theme="dark"] .business-cards .svc-card:nth-child(4) .svc-icon-wrap svg,
[data-theme="dark"] .you-cards .svc-card:nth-child(3) .svc-icon-wrap svg,
[data-theme="dark"] .you-cards .svc-card:nth-child(4) .svc-icon-wrap svg,
[data-theme="dark"] .family-cards .svc-card:nth-child(2) .svc-icon-wrap svg { stroke: var(--gold-bright); }
[data-theme="dark"] .business-cards .svc-card:nth-child(3) .svc-icon-wrap svg,
[data-theme="dark"] .family-cards .svc-card:nth-child(3) .svc-icon-wrap svg,
[data-theme="dark"] .you-cards .svc-card:nth-child(2) .svc-icon-wrap svg { stroke: #6fc28e; }
[data-theme="dark"] .family-cards .svc-card:nth-child(1) .svc-icon-wrap svg { stroke: #e09aa8; }
[data-theme="dark"] .nav-hamburger:hover { border-color: var(--gold); }
[data-theme="dark"] .nav-hamburger span { background: var(--text-mid); }
[data-theme="dark"] .nav-theme-toggle:hover { border-color: var(--gold); color: var(--gold); background: var(--navy-pale); }

[data-theme="dark"] body { background: var(--white); }

[data-theme="dark"] nav { background: rgba(28,38,65,0.92); border-bottom-color: var(--border); }

/* Cards lifted above their section background for visible elevation */
[data-theme="dark"] .svc-card,
[data-theme="dark"] .calc-card,
[data-theme="dark"] .blog-card,
[data-theme="dark"] .post-nav a { background: #36426a; border-color: var(--border); }

[data-theme="dark"] .hero,
[data-theme="dark"] .tagline-section,
[data-theme="dark"] .blog-section,
[data-theme="dark"] .audience-section { background: var(--white); border-color: var(--border); }

[data-theme="dark"] .audience-section.alt,
[data-theme="dark"] .post-disclaimer { background: var(--off-white); border-color: var(--border); }

/* Headings — these hardcode var(--navy) which stays dark, so override to light */
[data-theme="dark"] .nav-logo,
[data-theme="dark"] .hero h1,
[data-theme="dark"] .hero-card h3,
[data-theme="dark"] .section-title,
[data-theme="dark"] .section-title em,
[data-theme="dark"] .tagline,
[data-theme="dark"] .tagline strong,
[data-theme="dark"] .svc-card h3,
[data-theme="dark"] .svc-link,
[data-theme="dark"] .calc-card h4,
[data-theme="dark"] .blog-body h3,
[data-theme="dark"] .blog-index-header h1,
[data-theme="dark"] .post-title,
[data-theme="dark"] .post-content h2,
[data-theme="dark"] .post-content h3,
[data-theme="dark"] .post-content blockquote,
[data-theme="dark"] .post-nav-title { color: var(--text) !important; }

/* Hero card sits on dark and uses --off-white bg + navy top border — lift to card colour */
[data-theme="dark"] .hero-card { background: #36426a; border-color: var(--border); border-top-color: var(--gold); }
[data-theme="dark"] .waitlist-form input { background: var(--white); border-color: var(--border); color: var(--text); }
[data-theme="dark"] .waitlist-form input:focus { border-color: var(--gold); }

[data-theme="dark"] .post-content { color: var(--text-mid); }

/* Coloured eyebrows — original tones too dark on dark bg, lift to brighter siblings */
[data-theme="dark"] .eyebrow.business { color: #7ba9e0; }
[data-theme="dark"] .eyebrow.business::before { background: #7ba9e0; }
[data-theme="dark"] .eyebrow.family { color: #e09aa8; }
[data-theme="dark"] .eyebrow.family::before { background: #e09aa8; }
[data-theme="dark"] .eyebrow.you { color: #6fc28e; }
[data-theme="dark"] .eyebrow.you::before { background: #6fc28e; }

/* Coloured section titles within audience blocks */
[data-theme="dark"] .audience-section .section-title em { color: #7ba9e0; }

/* Buttons — primary navy washes out on dark bg, swap to gold for brand pop */
[data-theme="dark"] .btn-primary {
  background: var(--gold) !important;
  border-color: var(--gold) !important;
  color: var(--navy) !important;
}
[data-theme="dark"] .btn-primary:hover {
  background: var(--gold-bright) !important;
  border-color: var(--gold-bright) !important;
  color: var(--navy) !important;
}

/* Outline button — navy text/border vanishes; brighten both */
[data-theme="dark"] .btn-outline {
  color: var(--text) !important;
  border-color: var(--text-muted) !important;
}
[data-theme="dark"] .btn-outline:hover {
  background: transparent !important;
  border-color: var(--gold) !important;
  color: var(--gold) !important;
}

/* Waitlist row submit button stays gold either way; ensure border colour reads */
[data-theme="dark"] .waitlist-row button:hover { background: var(--gold-bright); }

/* Waitlist banner has its own navy bg — keep its text white in both modes */
[data-theme="dark"] .waitlist-section h2 { color: #fff; }
[data-theme="dark"] .waitlist-row input { color: #fff; }
[data-theme="dark"] .waitlist-row { border-color: rgba(255,255,255,0.18); }

[data-theme="dark"] .nav-links li a:hover { color: var(--text); background: var(--navy-pale); }
[data-theme="dark"] .blog-pagination span.current { background: var(--gold); color: var(--navy); border-color: var(--gold); }

html { scroll-behavior: smooth; }

body {
  font-family: var(--sans);
  background: var(--white);
  color: var(--text);
  font-size: 16px;
  line-height: 1.7;
  overflow-x: hidden;
}

/* ─── NAV ──────────────────────────────────────────── */
nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
}

.nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 2rem;
  display: flex;
  align-items: center;
  height: 66px;
}

.nav-links { margin-left: auto; }
.nav-controls { margin-left: 0.75rem; }

.nav-logo {
  font-family: var(--serif);
  font-size: 1.3rem;
  font-weight: 600;
  color: var(--navy);
  text-decoration: none;
  letter-spacing: 0.01em;
}

.nav-logo span { color: var(--gold); }

.nav-links {
  display: flex;
  list-style: none;
  gap: 0.25rem;
  align-items: center;
}

.nav-links li a {
  color: var(--text-mid);
  text-decoration: none;
  font-size: 0.82rem;
  font-weight: 400;
  letter-spacing: 0.04em;
  padding: 0.4rem 0.8rem;
  border-radius: 4px;
  transition: color 0.2s, background 0.2s;
}

.nav-links li a:hover { color: var(--navy); background: var(--off-white); }

.nav-links li.nav-cta a,
.nav-links .nav-cta a {
  background: var(--navy);
  color: #fff;
  padding: 0.45rem 1.1rem;
  border-radius: 4px;
  font-weight: 500;
}

.nav-links li.nav-cta a:hover,
.nav-links .nav-cta a:hover { background: var(--navy-mid); }

/* ─── NAV CONTROLS (toggle + hamburger) ───────────── */
.nav-controls {
  display: flex;
  align-items: center;
  gap: 0.4rem;
}

.nav-theme-toggle {
  width: 36px; height: 36px;
  border: 1px solid var(--border);
  border-radius: 6px;
  background: transparent;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-mid);
  transition: border-color 0.2s, color 0.2s, background 0.2s;
  padding: 0;
}

.nav-theme-toggle:hover { border-color: var(--navy); color: var(--navy); background: var(--off-white); }

.nav-theme-toggle .icon-sun { display: none; }
[data-theme="dark"] .nav-theme-toggle .icon-moon { display: none; }
[data-theme="dark"] .nav-theme-toggle .icon-sun  { display: block; }

.nav-hamburger {
  display: none;
  width: 36px; height: 36px;
  border: 1px solid var(--border);
  border-radius: 6px;
  background: transparent;
  cursor: pointer;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
  padding: 0;
  transition: border-color 0.2s;
}

.nav-hamburger:hover { border-color: var(--navy); }

.nav-hamburger span {
  display: block;
  width: 16px; height: 1.5px;
  background: var(--text-mid);
  border-radius: 2px;
  transition: transform 0.25s, opacity 0.25s;
  transform-origin: center;
}

.nav-hamburger.is-open span:nth-child(1) { transform: translateY(6.5px) rotate(45deg); }
.nav-hamburger.is-open span:nth-child(2) { opacity: 0; }
.nav-hamburger.is-open span:nth-child(3) { transform: translateY(-6.5px) rotate(-45deg); }

/* ─── MOBILE NAV PANEL ─────────────────────────────── */
.nav-mobile {
  display: none;
  position: absolute;
  top: 66px; left: 0; right: 0;
  background: rgba(255,255,255,0.98);
  border-bottom: 1px solid var(--border);
  padding: 1rem 2rem 1.25rem;
  backdrop-filter: blur(8px);
}

[data-theme="dark"] .nav-mobile { background: rgba(10,22,40,0.98); }

.nav-mobile.is-open { display: block; }

.nav-mobile ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0;
}

.nav-mobile ul li a {
  display: block;
  color: var(--text-mid);
  text-decoration: none;
  font-size: 0.9rem;
  font-weight: 400;
  padding: 0.65rem 0;
  border-bottom: 1px solid var(--border);
  transition: color 0.2s;
}

.nav-mobile ul li:last-child a { border-bottom: none; }
.nav-mobile ul li a:hover { color: var(--navy); }

.nav-mobile ul li.nav-cta a {
  color: var(--gold);
  font-weight: 500;
}

/* ─── HERO ─────────────────────────────────────────── */
.hero {
  padding: 130px 2rem 80px;
  background: var(--white);
  border-bottom: 1px solid var(--border);
}

.hero-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 5rem;
  align-items: center;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 500;
  margin-bottom: 1.25rem;
}

.hero-eyebrow::before {
  content: '';
  display: block;
  width: 28px; height: 1px;
  background: var(--gold);
}

.hero h1 {
  font-family: var(--serif);
  font-size: clamp(3rem, 5vw, 4.5rem);
  font-weight: 500;
  line-height: 1.1;
  color: var(--navy);
  margin-bottom: 1.5rem;
  letter-spacing: -0.01em;
}

.hero h1 em {
  font-style: normal;
  color: var(--navy-light);
}

.hero-sub {
  font-size: 1.05rem;
  color: var(--text-mid);
  line-height: 1.8;
  max-width: 500px;
  margin-bottom: 2.5rem;
  font-weight: 300;
}

.hero-actions {
  display: flex;
  gap: 0.9rem;
  flex-wrap: wrap;
  align-items: center;
}

.btn-primary {
  background: var(--navy);
  color: #fff;
  padding: 0.85rem 1.75rem;
  font-family: var(--sans);
  font-size: 0.88rem;
  font-weight: 500;
  letter-spacing: 0.03em;
  border: 2px solid var(--navy);
  border-radius: 4px;
  cursor: pointer;
  text-decoration: none;
  display: inline-block;
  transition: background 0.2s, transform 0.15s;
}

.btn-primary:hover { background: var(--navy-mid); border-color: var(--navy-mid); transform: translateY(-1px); }

.btn-outline {
  background: transparent;
  color: var(--navy);
  padding: 0.85rem 1.75rem;
  font-family: var(--sans);
  font-size: 0.88rem;
  font-weight: 400;
  letter-spacing: 0.03em;
  border: 2px solid var(--border);
  border-radius: 4px;
  cursor: pointer;
  text-decoration: none;
  display: inline-block;
  transition: border-color 0.2s, color 0.2s;
}

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

.hero-card {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 2.25rem;
  border-top: 4px solid var(--navy);
}

.hero-card-label {
  font-size: 0.7rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 500;
  margin-bottom: 0.75rem;
}

.hero-card h3 {
  font-family: var(--serif);
  font-size: 1.6rem;
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 0.6rem;
  line-height: 1.2;
}

.hero-card p {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 1.5rem;
}

.waitlist-form { display: flex; flex-direction: column; gap: 0.6rem; }

.waitlist-form input {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 4px;
  padding: 0.75rem 1rem;
  color: var(--text);
  font-family: var(--sans);
  font-size: 0.9rem;
  outline: none;
  transition: border-color 0.2s;
}

.waitlist-form input:focus { border-color: var(--navy); }
.waitlist-form input::placeholder { color: #aaa; }

.waitlist-form button {
  background: var(--gold);
  color: var(--navy);
  border: none;
  padding: 0.85rem;
  font-family: var(--sans);
  font-size: 0.88rem;
  font-weight: 500;
  letter-spacing: 0.03em;
  border-radius: 4px;
  cursor: pointer;
  transition: background 0.2s;
}

.waitlist-form button:hover { background: var(--gold-light); }

.form-note { font-size: 0.72rem; color: #aaa; text-align: center; margin-top: 0.5rem; }

/* ─── TRUST STRIP ──────────────────────────────────── */
.trust-strip {
  background: var(--navy);
  padding: 1rem 2rem;
}

.trust-strip-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 3rem;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.75rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  font-weight: 400;
}

.trust-pip {
  width: 5px; height: 5px;
  border-radius: 50%;
  background: var(--gold-bright);
  flex-shrink: 0;
}

/* ─── TAGLINE ──────────────────────────────────────── */
.tagline-section {
  padding: 5rem 2rem 2rem;
  background: var(--white);
  text-align: center;
}

.tagline-inner { max-width: 880px; margin: 0 auto; }

.tagline-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.7rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 500;
  margin-bottom: 1.25rem;
  justify-content: center;
}

.tagline-eyebrow::before, .tagline-eyebrow::after {
  content: '';
  display: block;
  width: 24px; height: 1px;
  background: var(--gold);
}

.tagline {
  font-family: var(--serif);
  font-size: clamp(1.6rem, 2.4vw, 2.2rem);
  font-weight: 500;
  font-style: normal;
  line-height: 1.4;
  color: var(--navy);
}

.tagline strong { font-style: normal; font-weight: 600; color: var(--navy); }

/* ─── SECTIONS ─────────────────────────────────────── */
.section { padding: 4.5rem 2rem; }
.section-inner { max-width: 1200px; margin: 0 auto; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.7rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 500;
  margin-bottom: 0.9rem;
}

.eyebrow::before {
  content: '';
  display: block;
  width: 24px; height: 1px;
  background: var(--gold);
}

.section-title {
  font-family: var(--serif);
  font-size: clamp(2rem, 3vw, 2.6rem);
  font-weight: 500;
  line-height: 1.2;
  color: var(--navy);
  margin-bottom: 1rem;
}

.section-title em { font-style: normal; color: var(--navy-light); }

/* ─── AUDIENCE BLOCKS ──────────────────────────────── */
.audience-section { background: var(--white); padding: 5rem 2rem; }
.audience-section.alt { background: var(--off-white); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }

.audience-header {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
  margin-bottom: 3rem;
}

.audience-header .audience-text { order: 2; }
.audience-header .audience-img  { order: 1; }
.audience-header.reverse .audience-text { order: 1; }
.audience-header.reverse .audience-img  { order: 2; }

.audience-img {
  height: 360px;
  background-size: cover;
  background-position: center;
  border-radius: 8px;
  border: 1px solid var(--border);
  position: relative;
  overflow: hidden;
}

.audience-img::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(13,31,60,0) 60%, rgba(13,31,60,0.18) 100%);
  pointer-events: none;
}

.audience-header .lead {
  color: var(--text-mid);
  font-size: 1rem;
  max-width: 480px;
  font-weight: 300;
  line-height: 1.8;
  margin-top: 1rem;
}

.cards-grid {
  display: grid;
  gap: 1.25rem;
}

.cards-grid.cols-3 { grid-template-columns: repeat(3, 1fr); }
.cards-grid.cols-4 { grid-template-columns: repeat(4, 1fr); }

.svc-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 1.75rem 1.5rem;
  text-decoration: none;
  display: block;
  transition: box-shadow 0.2s, transform 0.2s, border-color 0.2s;
  border-top: 3px solid var(--gold);
}

.business-cards .svc-card:nth-child(1) { border-top-color: var(--navy-light); }
.business-cards .svc-card:nth-child(2) { border-top-color: var(--gold); }
.business-cards .svc-card:nth-child(3) { border-top-color: var(--green-mid); }
.business-cards .svc-card:nth-child(4) { border-top-color: var(--gold-bright); }

.family-cards .svc-card:nth-child(1) { border-top-color: var(--burgundy); }
.family-cards .svc-card:nth-child(2) { border-top-color: var(--gold); }
.family-cards .svc-card:nth-child(3) { border-top-color: var(--green-mid); }

.you-cards .svc-card:nth-child(1) { border-top-color: var(--navy-light); }
.you-cards .svc-card:nth-child(2) { border-top-color: var(--green-mid); }
.you-cards .svc-card:nth-child(3) { border-top-color: var(--gold); }
.you-cards .svc-card:nth-child(4) { border-top-color: var(--gold-bright); }

/* Combined private cards (family + you) — preserve original colours per position */
.private-cards .svc-card:nth-child(1) { border-top-color: var(--burgundy); }
.private-cards .svc-card:nth-child(2) { border-top-color: var(--gold); }
.private-cards .svc-card:nth-child(3) { border-top-color: var(--green-mid); }
.private-cards .svc-card:nth-child(4) { border-top-color: var(--navy-light); }
.private-cards .svc-card:nth-child(5) { border-top-color: var(--green-mid); }
.private-cards .svc-card:nth-child(6) { border-top-color: var(--gold); }
.private-cards .svc-card:nth-child(7) { border-top-color: var(--gold-bright); }
.private-cards .svc-card:nth-child(8) { border-top-color: var(--navy); }

.svc-card:hover {
  box-shadow: 0 4px 24px rgba(13,31,60,0.08);
  transform: translateY(-2px);
  border-color: var(--navy);
}

.svc-icon-wrap {
  width: 42px; height: 42px;
  border-radius: 8px;
  background: var(--navy-pale);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.1rem;
}

.business-cards .svc-card:nth-child(2) .svc-icon-wrap { background: var(--gold-pale); }
.business-cards .svc-card:nth-child(3) .svc-icon-wrap { background: var(--green-pale); }
.business-cards .svc-card:nth-child(4) .svc-icon-wrap { background: var(--gold-pale); }
.family-cards .svc-card:nth-child(1) .svc-icon-wrap { background: var(--burgundy-pale); }
.family-cards .svc-card:nth-child(2) .svc-icon-wrap { background: var(--gold-pale); }
.family-cards .svc-card:nth-child(3) .svc-icon-wrap { background: var(--green-pale); }
.you-cards .svc-card:nth-child(2) .svc-icon-wrap { background: var(--green-pale); }
.you-cards .svc-card:nth-child(3) .svc-icon-wrap { background: var(--gold-pale); }
.you-cards .svc-card:nth-child(4) .svc-icon-wrap { background: var(--gold-pale); }

.private-cards .svc-card:nth-child(1) .svc-icon-wrap { background: var(--burgundy-pale); }
.private-cards .svc-card:nth-child(2) .svc-icon-wrap { background: var(--gold-pale); }
.private-cards .svc-card:nth-child(3) .svc-icon-wrap { background: var(--green-pale); }
.private-cards .svc-card:nth-child(5) .svc-icon-wrap { background: var(--green-pale); }
.private-cards .svc-card:nth-child(6) .svc-icon-wrap { background: var(--gold-pale); }
.private-cards .svc-card:nth-child(7) .svc-icon-wrap { background: var(--gold-pale); }

.svc-card h3 {
  font-family: var(--serif);
  font-size: 1.38rem;
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 0.5rem;
  line-height: 1.3;
}

.svc-card p {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 1.25rem;
}

.svc-link {
  font-size: 0.72rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--navy);
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: 0.3rem;
  transition: gap 0.2s;
}

.svc-card:hover .svc-link { gap: 0.6rem; }

.eyebrow.business { color: var(--navy-light); }
.eyebrow.business::before { background: var(--navy-light); }
.eyebrow.family { color: var(--burgundy); }
.eyebrow.family::before { background: var(--burgundy); }
.eyebrow.you { color: var(--green-mid); }
.eyebrow.you::before { background: var(--green-mid); }
.eyebrow.private { color: var(--burgundy); }
.eyebrow.private::before { background: var(--burgundy); }

/* ─── EXPANDABLE TOPIC CARDS ──────────────────────── */
.svc-card-expand {
  cursor: pointer;
  position: relative;
}

.svc-card-expand .svc-link {
  color: var(--navy);
}

.svc-card-expand .svc-link-arrow {
  display: inline-block;
  transition: transform 0.25s ease;
}

.svc-card-expand.is-open .svc-link-arrow {
  transform: rotate(90deg);
}

.svc-card-expand.is-open {
  box-shadow: 0 8px 36px rgba(13,31,60,0.12);
  border-color: var(--navy);
}

.svc-card-expanded {
  max-height: 0;
  overflow: hidden;
  opacity: 0;
  transition: max-height 0.4s ease, opacity 0.25s ease, margin-top 0.3s ease;
  margin-top: 0;
}

.svc-card-expand.is-open .svc-card-expanded {
  max-height: 380px;
  opacity: 1;
  margin-top: 1rem;
}

.svc-expanded-list {
  list-style: none;
  padding: 0;
  margin: 0 0 1.25rem;
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
  padding-top: 1rem;
  border-top: 1px solid var(--border);
}

.svc-expanded-list li {
  font-size: 0.84rem;
  color: var(--text-mid);
  line-height: 1.55;
  padding-left: 1.1rem;
  position: relative;
}

.svc-expanded-list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.55rem;
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--gold);
}

.svc-card-cta {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 500;
  letter-spacing: 0.04em;
  color: var(--navy);
  text-decoration: none;
  padding: 0.55rem 1.1rem;
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: 30px;
  transition: background 0.18s, border-color 0.18s, color 0.18s;
}

.svc-card-cta:hover {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}

[data-theme="dark"] .svc-card-expand.is-open {
  border-color: var(--gold);
}

[data-theme="dark"] .svc-expanded-list { border-top-color: var(--border); }
[data-theme="dark"] .svc-expanded-list li { color: var(--text-mid); }
[data-theme="dark"] .svc-card-cta { background: rgba(255,255,255,0.05); color: var(--text); }
[data-theme="dark"] .svc-card-cta:hover { background: var(--gold); color: var(--navy); border-color: var(--gold); }

/* "Explore all" tile — solid CTA card */
.svc-card-explore {
  background: var(--navy);
  border-color: var(--navy);
  border-top-color: var(--gold-bright) !important;
  color: var(--white);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  padding: 1.75rem 1.5rem;
  text-decoration: none;
}

.svc-card-explore h3 {
  color: var(--white);
  font-size: 1.25rem;
  margin-bottom: 0.5rem;
}

.svc-card-explore p {
  color: rgba(255,255,255,0.6);
  font-size: 0.85rem;
  line-height: 1.65;
  margin-bottom: 1.25rem;
}

.svc-card-explore .svc-link {
  color: var(--gold-bright);
}

.svc-card-explore:hover {
  background: var(--navy-mid);
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(13,31,60,0.18);
}

[data-theme="dark"] .svc-card-explore { background: #36426a; border-color: var(--border); border-top-color: var(--gold-bright) !important; }
[data-theme="dark"] .svc-card-explore:hover { background: #404e7d; }

/* ─── CALCULATOR BANNER (homepage teaser) ──────────── */
.calc-section {
  padding: 5rem 2rem;
  background: var(--off-white);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.calc-section-inner {
  max-width: 1200px;
  margin: 0 auto;
}

.calc-banner {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 24px;
  padding: 4rem;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 4rem;
  align-items: center;
  transition: box-shadow 0.25s ease, transform 0.25s ease;
}

.calc-banner:hover {
  box-shadow: 0 16px 56px rgba(13,31,60,0.1);
  transform: translateY(-3px);
}

[data-theme="dark"] .calc-banner {
  background: #36426a;
  border-color: var(--border);
}

[data-theme="dark"] .calc-banner:hover {
  box-shadow: 0 16px 56px rgba(0,0,0,0.4);
}

.calc-banner-eyebrow {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1rem;
}

.calc-banner-text h2 {
  font-family: var(--serif);
  font-size: clamp(1.7rem, 2.8vw, 2.4rem);
  font-weight: 400;
  color: var(--navy);
  line-height: 1.2;
  letter-spacing: -0.02em;
  margin-bottom: 1rem;
}

[data-theme="dark"] .calc-banner-text h2 {
  color: var(--text);
}

.calc-banner-text p {
  font-size: 0.92rem;
  color: var(--text-mid);
  line-height: 1.75;
  max-width: 460px;
  margin-bottom: 0;
  font-weight: 300;
}

.calc-banner-cta-row {
  margin-top: 1.75rem;
}

.calc-banner-visual {
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
  width: 260px;
  flex-shrink: 0;
}

.calc-banner-ring {
  width: 90px;
  height: 90px;
  border-radius: 50%;
  background: conic-gradient(var(--gold) 0deg 252deg, var(--off-white) 252deg 360deg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1rem;
  position: relative;
}

.calc-banner-ring::after {
  content: '';
  position: absolute;
  width: 68px;
  height: 68px;
  background: var(--white);
  border-radius: 50%;
}

[data-theme="dark"] .calc-banner-ring::after {
  background: #36426a;
}

.calc-banner-ring-num {
  position: relative;
  z-index: 1;
  font-family: var(--serif);
  font-size: 1.5rem;
  color: var(--navy);
}

[data-theme="dark"] .calc-banner-ring-num {
  color: var(--text);
}

.calc-banner-bar {
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
}

.calc-banner-bar-label {
  display: flex;
  justify-content: space-between;
  font-size: 0.74rem;
  color: var(--text-mid);
}

.calc-banner-bar-track {
  height: 8px;
  background: var(--off-white);
  border-radius: 4px;
  overflow: hidden;
}

.calc-banner-bar-fill {
  height: 100%;
  border-radius: 4px;
  background: var(--gold);
  transition: width 1.2s ease;
}

@media (max-width: 860px) {
  .calc-banner {
    grid-template-columns: 1fr;
    padding: 2.5rem;
    gap: 2.5rem;
  }
  .calc-banner-visual {
    width: 100%;
  }
}

/* ─── BLOG ─────────────────────────────────────────── */
.blog-section { background: var(--white); }

.blog-header {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  margin-bottom: 2.5rem;
  flex-wrap: wrap;
  gap: 1rem;
}

.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.blog-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 6px;
  overflow: hidden;
  text-decoration: none;
  display: block;
  transition: box-shadow 0.2s, transform 0.2s;
}

.blog-card:hover {
  box-shadow: 0 6px 24px rgba(13,31,60,0.08);
  transform: translateY(-2px);
}

.blog-img {
  height: 170px;
  background: var(--navy);
  background-size: cover;
  background-position: center;
  position: relative;
  display: flex;
  align-items: flex-end;
  padding: 1rem;
}

.blog-img::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(13,31,60,0) 40%, rgba(13,31,60,0.55) 100%);
  pointer-events: none;
}

.blog-img > * { position: relative; z-index: 1; }

.blog-tag {
  background: var(--gold);
  color: var(--navy);
  font-size: 0.65rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  font-weight: 500;
  padding: 0.25rem 0.6rem;
  border-radius: 3px;
}

.blog-body { padding: 1.35rem; }

.blog-date {
  font-size: 0.72rem;
  color: var(--text-muted);
  margin-bottom: 0.45rem;
}

.blog-body h3 {
  font-family: var(--serif);
  font-size: 1.22rem;
  font-weight: 500;
  color: var(--navy);
  line-height: 1.35;
  margin-bottom: 0.5rem;
}

.blog-body p {
  font-size: 0.82rem;
  color: var(--text-muted);
  line-height: 1.65;
}

/* ─── BLOG INDEX PAGE ──────────────────────────────── */
.blog-index {
  padding: 120px 2rem 5rem;
  min-height: 80vh;
}

.blog-index-inner { max-width: 1200px; margin: 0 auto; }

.blog-index-header {
  margin-bottom: 3rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid var(--border);
}

.blog-index-header h1 {
  font-family: var(--serif);
  font-size: clamp(2.2rem, 4vw, 3.5rem);
  font-weight: 500;
  color: var(--navy);
  line-height: 1.15;
  margin-top: 0.75rem;
}

.blog-index-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
  margin-bottom: 3rem;
}

.blog-pagination {
  display: flex;
  justify-content: center;
  gap: 0.5rem;
  padding-top: 2rem;
  border-top: 1px solid var(--border);
}

.blog-pagination a,
.blog-pagination span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px; height: 38px;
  border: 1px solid var(--border);
  border-radius: 4px;
  font-size: 0.85rem;
  color: var(--text-mid);
  text-decoration: none;
  transition: border-color 0.2s, color 0.2s, background 0.2s;
}

.blog-pagination a:hover { border-color: var(--navy); color: var(--navy); }
.blog-pagination span.current { background: var(--navy); color: #fff; border-color: var(--navy); }

/* ─── SINGLE POST ──────────────────────────────────── */
.single-post {
  padding: 120px 2rem 5rem;
}

.single-post-inner {
  max-width: 760px;
  margin: 0 auto;
}

.post-meta {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 2rem;
}

.post-category {
  background: var(--gold);
  color: var(--navy);
  font-size: 0.65rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  font-weight: 500;
  padding: 0.25rem 0.7rem;
  border-radius: 3px;
  text-decoration: none;
}

.post-date {
  font-size: 0.78rem;
  color: var(--text-muted);
}

.post-title {
  font-family: var(--serif);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 500;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 1.5rem;
  letter-spacing: -0.01em;
}

.post-featured-img {
  width: 100%;
  height: 420px;
  object-fit: cover;
  border-radius: 8px;
  margin-bottom: 2.5rem;
  border: 1px solid var(--border);
}

.post-featured-img-placeholder {
  width: 100%;
  height: 420px;
  background: var(--navy);
  border-radius: 8px;
  margin-bottom: 2.5rem;
}

.post-content {
  font-size: 1.05rem;
  line-height: 1.85;
  color: var(--text-mid);
}

.post-content h2 {
  font-family: var(--serif);
  font-size: 1.8rem;
  font-weight: 500;
  color: var(--navy);
  margin: 2.5rem 0 1rem;
  line-height: 1.25;
}

.post-content h3 {
  font-family: var(--serif);
  font-size: 1.4rem;
  font-weight: 500;
  color: var(--navy);
  margin: 2rem 0 0.75rem;
}

.post-content p { margin-bottom: 1.4rem; }

.post-content a { color: var(--navy-light); text-decoration: underline; }
.post-content a:hover { color: var(--navy); }

.post-content ul, .post-content ol {
  margin: 0 0 1.4rem 1.5rem;
}

.post-content li { margin-bottom: 0.4rem; }

.post-content blockquote {
  border-left: 3px solid var(--gold);
  padding: 1rem 1.5rem;
  margin: 2rem 0;
  background: var(--gold-pale);
  border-radius: 0 6px 6px 0;
  font-family: var(--serif);
  font-size: 1.2rem;
  font-style: normal;
  color: var(--navy);
}

.post-disclaimer {
  margin-top: 3rem;
  padding: 1.25rem 1.5rem;
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: 6px;
  border-left: 3px solid var(--gold);
  font-size: 0.78rem;
  color: var(--text-muted);
  line-height: 1.7;
}

.post-nav {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-top: 3rem;
  padding-top: 2.5rem;
  border-top: 1px solid var(--border);
}

.post-nav a {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 1.25rem;
  text-decoration: none;
  display: block;
  transition: border-color 0.2s, box-shadow 0.2s;
}

.post-nav a:hover { border-color: var(--navy); box-shadow: 0 2px 12px rgba(13,31,60,0.06); }

.post-nav-label {
  font-size: 0.65rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 0.4rem;
}

.post-nav-title {
  font-family: var(--serif);
  font-size: 1rem;
  font-weight: 500;
  color: var(--navy);
  line-height: 1.3;
}

.post-nav .next { text-align: right; }

/* ─── WAITLIST BANNER ──────────────────────────────── */
.waitlist-section {
  background: var(--white);
  padding: 4.5rem 2rem 5.5rem;
}

.waitlist-card {
  max-width: 1100px;
  margin: 0 auto;
  background: var(--navy);
  border-radius: 24px;
  padding: 4.5rem 2.5rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.waitlist-card::before {
  content: '';
  position: absolute;
  top: -80px;
  right: -80px;
  width: 320px;
  height: 320px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(201,168,76,0.12) 0%, transparent 70%);
  pointer-events: none;
}

.waitlist-card-inner {
  position: relative;
  z-index: 2;
  max-width: 560px;
  margin: 0 auto;
}

.waitlist-section .eyebrow {
  color: var(--gold-bright);
  justify-content: center;
}

.waitlist-section .eyebrow::before { background: var(--gold-bright); }

.waitlist-section h2 {
  font-family: var(--serif);
  font-size: clamp(1.9rem, 2.9vw, 2.6rem);
  font-weight: 500;
  color: var(--white);
  margin-bottom: 0.9rem;
  line-height: 1.2;
}

.waitlist-section p {
  color: rgba(255,255,255,0.6);
  max-width: 480px;
  margin: 0 auto 2rem;
  font-weight: 300;
  line-height: 1.85;
}

.waitlist-note {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.32) !important;
  margin-top: 1rem !important;
  margin-bottom: 0 !important;
}

[data-theme="dark"] .waitlist-section { background: var(--white); }
[data-theme="dark"] .waitlist-card { background: #36426a; }

.waitlist-row {
  display: flex;
  max-width: 400px;
  margin: 0 auto;
  border-radius: 5px;
  overflow: hidden;
  border: 1px solid rgba(255,255,255,0.15);
}

.waitlist-row input {
  flex: 1;
  background: rgba(255,255,255,0.07);
  border: none;
  padding: 0.85rem 1.1rem;
  color: var(--white);
  font-family: var(--sans);
  font-size: 0.88rem;
  outline: none;
}

.waitlist-row input::placeholder { color: rgba(255,255,255,0.35); }

.waitlist-row button {
  background: var(--gold);
  color: var(--navy);
  border: none;
  padding: 0.85rem 1.4rem;
  font-family: var(--sans);
  font-size: 0.85rem;
  font-weight: 500;
  cursor: pointer;
  white-space: nowrap;
  transition: background 0.2s;
}

.waitlist-row button:hover { background: var(--gold-light); }

/* ─── FOOTER ───────────────────────────────────────── */
footer {
  background: #0d1f3c;
  padding: 3rem 2rem 1.75rem;
  border-top: 1px solid rgba(255,255,255,0.04);
}

.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
}

.footer-top {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 2.5rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}

.footer-brand { display: block; }

.footer-logo {
  font-family: var(--serif);
  font-size: 1.2rem;
  font-weight: 500;
  color: #ffffff;
  margin-bottom: 0.9rem;
}

.footer-logo span { color: var(--gold-bright); }

.footer-brand-desc {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.42);
  line-height: 1.75;
  max-width: 260px;
  margin-bottom: 1.5rem;
}

.footer-social {
  display: flex;
  gap: 0.625rem;
  margin-top: 0;
}

.footer-social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(255,255,255,0.07);
  color: rgba(255,255,255,0.5);
  text-decoration: none;
  transition: background 0.22s ease, color 0.22s ease, transform 0.2s ease;
}

.footer-social a:hover {
  background: var(--gold-bright);
  color: #0d1f3c;
  transform: translateY(-2px);
}

.footer-social a svg { display: block; width: 15px; height: 15px; fill: currentColor; }

.footer-col-heading {
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.11em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.32);
  margin-bottom: 1.25rem;
}

.footer-col ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0.7rem;
}

.footer-col ul a {
  text-decoration: none;
  font-size: 0.87rem;
  color: rgba(255,255,255,0.55);
  transition: color 0.18s;
}

.footer-col ul a:hover { color: #ffffff; }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 1.25rem;
  padding-bottom: 0.85rem;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.28);
  flex-wrap: wrap;
  gap: 0.65rem;
}

.footer-compliance {
  padding-top: 0;
  margin-top: 0;
  border-top: 0;
  font-size: 0.72rem;
  color: rgba(255,255,255,0.22);
  line-height: 1.7;
  max-width: none;
  text-align: left;
}

.footer-compliance a { color: rgba(255,255,255,0.4); text-decoration: none; }
.footer-compliance a:hover { color: #ffffff; }

@media (max-width: 860px) {
  .footer-top {
    grid-template-columns: 1fr 1fr;
    gap: 2.5rem;
  }
}

@media (max-width: 560px) {
  .footer-top {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
}

/* ─── DROPDOWN NAV ─────────────────────────────────── */
.nav-links li { position: relative; }

.nav-links li .caret {
  display: inline-block;
  width: 0; height: 0;
  margin-left: 0.3em;
  border-left: 4px solid transparent;
  border-right: 4px solid transparent;
  border-top: 4px solid currentColor;
  vertical-align: middle;
  opacity: 0.6;
}

.nav-links .sub-menu {
  position: absolute;
  top: calc(100% + 6px);
  left: 50%;
  transform: translateX(-50%) translateY(-4px);
  min-width: 180px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 6px;
  box-shadow: 0 8px 28px rgba(13,31,60,0.10);
  padding: 0.4rem 0;
  list-style: none;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.2s, visibility 0.2s, transform 0.2s;
  z-index: 200;
}

.nav-links li:hover > .sub-menu,
.nav-links li:focus-within > .sub-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}

.nav-links .sub-menu li { display: block; }

.nav-links .sub-menu li a {
  display: block;
  padding: 0.55rem 1.1rem;
  font-size: 0.85rem;
  letter-spacing: 0.02em;
  color: var(--text-mid);
  border-radius: 0;
}

.nav-links .sub-menu li a:hover {
  background: var(--off-white);
  color: var(--navy);
}

[data-theme="dark"] .nav-links .sub-menu { background: #36426a; border-color: var(--border); }
[data-theme="dark"] .nav-links .sub-menu li a:hover { background: var(--navy-pale); color: var(--text); }

/* ─── PAGE HERO SPLIT (About/Careers/Acquisitions) ──── */
.page-hero-split {
  padding: 130px 2rem 80px;
  background: var(--white);
  border-bottom: 1px solid var(--border);
}

.page-hero-split-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 4rem;
  align-items: start;
}

.page-hero-content .page-hero-title { margin-top: 0.75rem; }
.page-hero-content .page-hero-sub { margin-bottom: 1.25rem; }
.page-hero-content .page-hero-sub:last-child { margin-bottom: 0; }
.page-hero-content strong { font-weight: 500; color: var(--navy); }
[data-theme="dark"] .page-hero-content strong { color: var(--text); }

/* ─── CONTACT CARD ──────────────────────────────────── */
.contact-card {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-top: 4px solid var(--gold);
  border-radius: 8px;
  padding: 2rem 1.85rem;
  position: sticky;
  top: 90px;
}

[data-theme="dark"] .contact-card { background: #36426a; border-color: var(--border); border-top-color: var(--gold); }

.contact-card-tag {
  display: inline-block;
  font-size: 0.65rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 500;
  background: var(--gold-pale);
  padding: 0.25rem 0.65rem;
  border-radius: 4px;
  margin-bottom: 1rem;
}

.contact-card-title {
  font-family: var(--serif);
  font-size: 1.6rem;
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 0.6rem;
  line-height: 1.2;
}

[data-theme="dark"] .contact-card-title { color: var(--text); }

.contact-card-text {
  font-size: 0.9rem;
  color: var(--text-mid);
  line-height: 1.7;
  margin-bottom: 1.5rem;
  font-weight: 300;
}

.contact-form {
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}

.contact-form input,
.contact-form select,
.contact-form textarea {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 4px;
  padding: 0.7rem 0.85rem;
  font-family: var(--sans);
  font-size: 0.88rem;
  color: var(--text);
  outline: none;
  width: 100%;
  transition: border-color 0.2s;
}

.contact-form textarea { resize: vertical; min-height: 70px; font-family: var(--sans); }
.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus { border-color: var(--gold); }
.contact-form input::placeholder,
.contact-form textarea::placeholder { color: var(--text-muted); }

.contact-form button {
  background: var(--navy);
  color: #fff;
  border: 2px solid var(--navy);
  padding: 0.8rem 1.2rem;
  border-radius: 4px;
  font-family: var(--sans);
  font-size: 0.88rem;
  font-weight: 500;
  letter-spacing: 0.03em;
  cursor: pointer;
  transition: background 0.2s, border-color 0.2s;
  margin-top: 0.4rem;
}

.contact-form button:hover { background: var(--navy-mid); border-color: var(--navy-mid); }

[data-theme="dark"] .contact-form button {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy);
}

[data-theme="dark"] .contact-form button:hover {
  background: var(--gold-bright);
  border-color: var(--gold-bright);
}

.contact-card-note {
  font-size: 0.72rem;
  color: var(--text-muted);
  line-height: 1.55;
  margin-top: 1rem;
}

/* ─── ABOUT PAGE SECTIONS ──────────────────────────── */
.about-story { max-width: 1080px; margin: 0 auto; }

.about-story-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  margin-top: 1.5rem;
}

.about-story-grid p {
  color: var(--text-mid);
  font-weight: 300;
  line-height: 1.85;
  margin-bottom: 1rem;
}

.about-story-grid p:last-child { margin-bottom: 0; }

.about-personal {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.about-personal p {
  color: var(--text-mid);
  font-weight: 300;
  line-height: 1.85;
  margin-bottom: 1rem;
}

.about-personal-img {
  height: 360px;
  background-size: cover;
  background-position: center;
  border-radius: 8px;
  border: 1px solid var(--border);
}

/* ─── CAREERS PAGE SECTIONS ─────────────────────────── */
.careers-roles {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
}

.career-role {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 1.75rem 1.5rem;
}

[data-theme="dark"] .career-role { background: #36426a; border-color: var(--border); }

.career-role h4 {
  font-family: var(--serif);
  font-size: 1.25rem;
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 0.6rem;
}

[data-theme="dark"] .career-role h4 { color: var(--text); }

.career-role p {
  font-size: 0.88rem;
  color: var(--text-mid);
  line-height: 1.7;
  font-weight: 300;
}

.careers-military {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 2rem;
  align-items: start;
  max-width: 980px;
  margin: 0 auto;
  padding: 2.5rem;
  background: var(--gold-pale);
  border: 1px solid var(--border);
  border-left: 4px solid var(--gold);
  border-radius: 8px;
}

[data-theme="dark"] .careers-military { background: var(--navy-pale); border-color: var(--border); border-left-color: var(--gold); }

.careers-military-icon {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--white);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
}

[data-theme="dark"] .careers-military-icon { background: #36426a; }

.careers-military p {
  color: var(--text-mid);
  font-weight: 300;
  line-height: 1.85;
  margin-bottom: 1rem;
}

.careers-military p:last-child { margin-bottom: 0; }

/* ─── ACQUISITIONS PAGE SECTIONS ────────────────────── */
.acq-criteria {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.acq-criteria-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 1.75rem 1.5rem;
}

[data-theme="dark"] .acq-criteria-item { background: #36426a; border-color: var(--border); }

.acq-criteria-icon {
  width: 46px;
  height: 46px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
}

.acq-criteria-item h4 {
  font-family: var(--serif);
  font-size: 1.2rem;
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 0.5rem;
  line-height: 1.3;
}

[data-theme="dark"] .acq-criteria-item h4 { color: var(--text); }

.acq-criteria-item p {
  font-size: 0.85rem;
  color: var(--text-mid);
  line-height: 1.65;
  font-weight: 300;
}

.acq-steps {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  max-width: 880px;
  margin: 0 auto;
}

.acq-step {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 1.5rem;
  align-items: start;
  padding: 1.75rem 1.85rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
}

[data-theme="dark"] .acq-step { background: #36426a; border-color: var(--border); }

.acq-step-num {
  font-family: var(--serif);
  font-size: 1.6rem;
  font-weight: 500;
  color: var(--gold);
  line-height: 1;
  min-width: 40px;
}

.acq-step h4 {
  font-family: var(--serif);
  font-size: 1.2rem;
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 0.45rem;
}

[data-theme="dark"] .acq-step h4 { color: var(--text); }

.acq-step p {
  font-size: 0.9rem;
  color: var(--text-mid);
  line-height: 1.7;
  font-weight: 300;
}

.acq-timeline {
  text-align: center;
  margin-top: 2rem;
  padding: 1rem;
  font-size: 0.92rem;
  color: var(--text-mid);
  background: var(--white);
  border: 1px dashed var(--border);
  border-radius: 6px;
  max-width: 880px;
  margin-left: auto;
  margin-right: auto;
}

[data-theme="dark"] .acq-timeline { background: #36426a; }
.acq-timeline strong { color: var(--navy); }
[data-theme="dark"] .acq-timeline strong { color: var(--text); }

/* ─── PAGE HERO ────────────────────────────────────── */
.page-hero {
  padding: 120px 2rem 80px;
  background: var(--white);
  border-bottom: 1px solid var(--border);
}

.page-hero-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 5rem;
  align-items: center;
}

.page-hero-title {
  font-family: var(--serif);
  font-size: clamp(2.6rem, 4.5vw, 4rem);
  font-weight: 500;
  line-height: 1.1;
  color: var(--navy);
  margin-bottom: 1.25rem;
  letter-spacing: -0.01em;
}

.page-hero-title em { font-style: normal; color: var(--navy-light); }

.page-hero-sub {
  font-size: 1.02rem;
  color: var(--text-mid);
  line-height: 1.8;
  max-width: 520px;
  margin-bottom: 2rem;
  font-weight: 300;
}

.page-hero-img {
  height: 420px;
  background-size: cover;
  background-position: center;
  border-radius: 8px;
  border: 1px solid var(--border);
}

/* ─── BIZ INTRO ─────────────────────────────────────── */
.biz-intro { max-width: 960px; margin: 0 auto; text-align: center; }

.biz-intro-lead {
  font-size: 1.06rem;
  color: var(--text-mid);
  line-height: 1.85;
  font-weight: 300;
  margin-bottom: 3rem;
}

.biz-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  border-top: 1px solid var(--border);
  padding-top: 2.5rem;
}

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

.biz-stat-num {
  display: block;
  font-family: var(--serif);
  font-size: 2.6rem;
  font-weight: 500;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 0.6rem;
}

.biz-stat-label {
  font-size: 0.82rem;
  color: var(--text-muted);
  line-height: 1.55;
}

/* ─── BIZ TOPIC BLOCKS ──────────────────────────────── */
.biz-topic-block {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  align-items: center;
  padding: 3.5rem 0;
  border-bottom: 1px solid var(--border);
}

.biz-topic-block:last-child { border-bottom: none; }
.biz-topic-block.reverse .biz-topic-text { order: 2; }
.biz-topic-block.reverse .biz-topic-img  { order: 1; }

.biz-topic-title {
  font-family: var(--serif);
  font-size: clamp(1.6rem, 2.2vw, 2rem);
  font-weight: 500;
  color: var(--navy);
  margin: 0.6rem 0 1rem;
  line-height: 1.2;
}

.biz-topic-text p {
  color: var(--text-mid);
  font-weight: 300;
  line-height: 1.85;
  margin-bottom: 1.25rem;
}

.biz-topic-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
}

.biz-topic-list li {
  font-size: 0.88rem;
  color: var(--text-mid);
  padding-left: 1.25rem;
  position: relative;
  line-height: 1.5;
}

.biz-topic-list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.55em;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
}

.biz-topic-img {
  height: 340px;
  background-size: cover;
  background-position: center;
  border-radius: 8px;
  border: 1px solid var(--border);
}

/* ─── BIZ EXPECT ─────────────────────────────────────── */
.biz-expect {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  align-items: start;
}

.biz-expect-list {
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
  padding-top: 0.5rem;
}

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

.biz-expect-icon {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--gold-pale);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 0.1rem;
}

.biz-expect-item strong {
  display: block;
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 0.3rem;
}

.biz-expect-item p {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.65;
  margin: 0;
}

/* ─── BIZ TOPIC CARDS (expandable grid) ─────────────── */
.biz-topics-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}

.biz-topic-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
  border-top: 3px solid var(--navy-light);
  overflow: hidden;
  transition: box-shadow 0.25s, transform 0.2s, border-color 0.2s;
}

.biz-topic-card:nth-child(2) { border-top-color: var(--gold); }
.biz-topic-card:nth-child(3) { border-top-color: var(--green-mid); }
.biz-topic-card:nth-child(4) { border-top-color: var(--burgundy); }
.biz-topic-card:nth-child(5) { border-top-color: var(--gold-bright); }

.biz-topic-card:hover {
  box-shadow: 0 6px 24px rgba(13,31,60,0.08);
  transform: translateY(-2px);
}

/* When open: expand to full grid width, push others below */
.biz-topic-card[open] {
  grid-column: 1 / -1;
  grid-row: 1;
  box-shadow: 0 10px 40px rgba(13,31,60,0.13);
  transform: none;
  border-color: var(--navy);
}

.biz-topic-card[open]:hover { transform: none; }

.biz-topic-card summary {
  list-style: none;
  cursor: pointer;
  padding: 1.75rem 1.5rem 1.5rem;
  position: relative;
  display: block;
}

.biz-topic-card summary::-webkit-details-marker { display: none; }

.biz-topic-card-icon {
  width: 46px;
  height: 46px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
}

.biz-topic-card-num {
  display: block;
  font-size: 0.65rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 500;
  margin-bottom: 0.5rem;
}

.biz-topic-card-title {
  font-family: var(--serif);
  font-size: 1.3rem;
  font-weight: 500;
  color: var(--navy);
  line-height: 1.25;
  margin-bottom: 0.6rem;
  padding-right: 2rem;
}

.biz-topic-card-brief {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.6;
  margin-bottom: 0;
}

.biz-topic-card-toggle {
  position: absolute;
  top: 1.75rem;
  right: 1.5rem;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--off-white);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.2s, transform 0.25s;
}

.biz-topic-card-toggle::before,
.biz-topic-card-toggle::after {
  content: '';
  position: absolute;
  background: var(--navy);
  border-radius: 1px;
  transition: opacity 0.2s, transform 0.25s;
}

.biz-topic-card-toggle::before { width: 10px; height: 1.5px; }
.biz-topic-card-toggle::after  { width: 1.5px; height: 10px; }

.biz-topic-card[open] .biz-topic-card-toggle {
  background: var(--gold);
  border-color: var(--gold);
}

.biz-topic-card[open] .biz-topic-card-toggle::before { background: var(--navy); }
.biz-topic-card[open] .biz-topic-card-toggle::after  { transform: rotate(90deg); opacity: 0; }

.biz-topic-card-detail {
  padding: 1.5rem 2.25rem 2.25rem;
  border-top: 1px solid var(--border);
  margin-top: 0;
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 2.5rem;
  align-items: start;
}

.biz-topic-card-detail p {
  font-size: 0.95rem;
  color: var(--text-mid);
  line-height: 1.85;
  font-weight: 300;
  margin: 0;
}

.biz-topic-card-detail .biz-topic-list {
  margin-top: 0;
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 1.25rem 1.5rem 1.25rem 2.5rem;
}

[data-theme="dark"] .biz-topic-card-detail .biz-topic-list {
  background: rgba(255,255,255,0.05);
  border-color: var(--border);
}

@media (max-width: 860px) {
  .biz-topic-card-detail {
    grid-template-columns: 1fr;
    gap: 1.25rem;
    padding: 1.5rem 1.5rem 1.75rem;
  }
}

[data-theme="dark"] .biz-topic-card { background: #36426a; border-color: var(--border); }
[data-theme="dark"] .biz-topic-card-title { color: var(--text); }
[data-theme="dark"] .biz-topic-card-toggle { background: var(--white); border-color: var(--border); }
[data-theme="dark"] .biz-topic-card-toggle::before,
[data-theme="dark"] .biz-topic-card-toggle::after { background: var(--text); }
[data-theme="dark"] .biz-topic-card[open] .biz-topic-card-toggle { background: var(--gold); }
[data-theme="dark"] .biz-topic-card[open] .biz-topic-card-toggle::before { background: var(--navy); }

/* ─── BIZ FAQ ────────────────────────────────────────── */
.biz-faq {
  max-width: 820px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.biz-faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 1.1rem 1.5rem;
  transition: border-color 0.2s, box-shadow 0.2s;
}

.biz-faq-item[open] {
  border-color: var(--gold);
  box-shadow: 0 2px 12px rgba(13,31,60,0.05);
}

.biz-faq-item summary {
  font-family: var(--serif);
  font-size: 1.15rem;
  font-weight: 400;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  line-height: 1.4;
}

.biz-faq-item summary::-webkit-details-marker { display: none; }

.biz-faq-item summary::after {
  content: '+';
  font-family: var(--sans);
  font-size: 1.5rem;
  font-weight: 300;
  color: var(--gold);
  flex-shrink: 0;
  transition: transform 0.2s;
}

.biz-faq-item[open] summary::after {
  content: '−';
}

.biz-faq-item p {
  margin-top: 1rem;
  color: var(--text-mid);
  font-size: 0.92rem;
  line-height: 1.75;
  font-weight: 300;
}

[data-theme="dark"] .biz-faq-item { background: #36426a; border-color: var(--border); }
[data-theme="dark"] .biz-faq-item summary { color: var(--text); }
[data-theme="dark"] .biz-faq-item[open] { border-color: var(--gold); }

/* ─── BIZ ABOUT ───────────────────────────────────────── */
.biz-about { max-width: 1080px; margin: 0 auto; }

.biz-about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  margin-top: 1.5rem;
}

.biz-about-grid p {
  color: var(--text-mid);
  font-weight: 300;
  line-height: 1.85;
  margin-bottom: 1rem;
}

.biz-about-grid p:last-child { margin-bottom: 0; }
.biz-about-grid strong { font-weight: 500; color: var(--navy); }
[data-theme="dark"] .biz-about-grid strong { color: var(--text); }

/* ─── WAITLIST HORIZONTAL FORM ──────────────────────── */
.waitlist-inner {
  max-width: 640px;
  margin: 0 auto;
  text-align: center;
}

.waitlist-form-horizontal {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  max-width: 420px;
  margin: 0 auto 1rem;
}

.waitlist-form-horizontal input {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: 4px;
  padding: 0.8rem 1rem;
  color: var(--white);
  font-family: var(--sans);
  font-size: 0.9rem;
  outline: none;
  transition: border-color 0.2s;
}

.waitlist-form-horizontal input::placeholder { color: rgba(255,255,255,0.35); }
.waitlist-form-horizontal input:focus { border-color: var(--gold); }

.waitlist-form-horizontal button {
  background: var(--gold);
  color: var(--navy);
  border: none;
  padding: 0.88rem 1.5rem;
  font-family: var(--sans);
  font-size: 0.88rem;
  font-weight: 500;
  border-radius: 4px;
  cursor: pointer;
  transition: background 0.2s;
}

.waitlist-form-horizontal button:hover { background: var(--gold-bright); }

.waitlist-small {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.4);
  margin-top: 0.5rem;
}

/* Dark mode overrides for new business page elements */
[data-theme="dark"] .page-hero-title,
[data-theme="dark"] .biz-topic-title,
[data-theme="dark"] .biz-stat-num,
[data-theme="dark"] .biz-expect-item strong { color: var(--text) !important; }

/* ─── CALCULATOR APP ─────────────────────────────────── */
.calc-app {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 2.5rem 2rem;
}

[data-theme="dark"] .calc-app { background: #36426a; border-color: var(--border); }

.calc-progress {
  height: 4px;
  background: var(--border);
  border-radius: 4px;
  overflow: hidden;
  margin-bottom: 0.6rem;
}

.calc-progress-bar {
  height: 100%;
  width: 0;
  background: var(--gold);
  border-radius: 4px;
  transition: width 0.35s ease;
}

.calc-step-count {
  font-size: 0.7rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 1.75rem;
}

.calc-q {
  font-family: var(--serif);
  font-size: clamp(1.4rem, 2.4vw, 1.8rem);
  font-weight: 500;
  color: var(--navy);
  line-height: 1.3;
  margin-bottom: 0.55rem;
}

[data-theme="dark"] .calc-q { color: var(--text); }

.calc-q-sub {
  font-size: 0.92rem;
  color: var(--text-muted);
  line-height: 1.65;
  margin-bottom: 1.5rem;
}

.calc-options {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}

.calc-option {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  padding: 1rem 1.15rem;
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: 6px;
  cursor: pointer;
  transition: border-color 0.2s, background 0.2s;
}

[data-theme="dark"] .calc-option { background: var(--white); }

.calc-option:hover { border-color: var(--gold); }

.calc-option input { flex-shrink: 0; accent-color: var(--gold); }

.calc-option:has(input:checked) {
  border-color: var(--gold);
  background: var(--gold-pale);
}

[data-theme="dark"] .calc-option:has(input:checked) { background: var(--navy-pale); }

.calc-option span {
  font-size: 0.95rem;
  color: var(--text);
  line-height: 1.4;
}

.calc-options.calc-scale {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 0.5rem;
}

.calc-options.calc-scale .calc-option {
  flex-direction: column;
  text-align: center;
  padding: 1.25rem 0.5rem;
}

.calc-options.calc-scale .calc-option span {
  font-family: var(--serif);
  font-size: 1.5rem;
  font-weight: 500;
}

.calc-form { display: flex; flex-direction: column; gap: 0.65rem; }

.calc-form input {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 0.85rem 1rem;
  font-size: 0.95rem;
  font-family: var(--sans);
  color: var(--text);
  outline: none;
  transition: border-color 0.2s;
}

[data-theme="dark"] .calc-form input { background: var(--white); }

.calc-form input:focus { border-color: var(--gold); }
.calc-form input::placeholder { color: var(--text-muted); }

.calc-form-note {
  font-size: 0.78rem;
  color: var(--text-muted);
  line-height: 1.55;
  margin-top: 0.5rem;
}

.calc-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  margin-top: 2.25rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--border);
}

.calc-back {
  background: transparent;
  border: none;
  color: var(--text-mid);
  font-family: var(--sans);
  font-size: 0.88rem;
  cursor: pointer;
  padding: 0.5rem 0.5rem;
}

.calc-back:hover { color: var(--navy); }
[data-theme="dark"] .calc-back:hover { color: var(--text); }

.calc-next {
  background: var(--navy);
  color: #fff;
  border: 2px solid var(--navy);
  padding: 0.85rem 1.75rem;
  border-radius: 4px;
  font-family: var(--sans);
  font-size: 0.88rem;
  font-weight: 500;
  cursor: pointer;
  transition: background 0.2s, opacity 0.2s;
  margin-left: auto;
}

[data-theme="dark"] .calc-next { background: var(--gold); border-color: var(--gold); color: var(--navy); }

.calc-next:disabled { opacity: 0.4; cursor: not-allowed; }
.calc-next:not(:disabled):hover { background: var(--navy-mid); border-color: var(--navy-mid); }
[data-theme="dark"] .calc-next:not(:disabled):hover { background: var(--gold-bright); border-color: var(--gold-bright); }

/* Results screen */
.calc-results { padding-top: 0.5rem; }

.calc-result-header {
  text-align: center;
  margin-bottom: 2.5rem;
}

.calc-score-ring {
  position: relative;
  width: 120px;
  height: 120px;
  margin: 1.25rem auto 1.5rem;
}

.calc-score-circle { transition: stroke-dashoffset 1.2s ease; }

.calc-score-num {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--serif);
  font-size: 2.4rem;
  font-weight: 500;
  color: var(--navy);
}

[data-theme="dark"] .calc-score-num { color: var(--text); }

.calc-result-title {
  font-family: var(--serif);
  font-size: clamp(1.6rem, 2.4vw, 2rem);
  font-weight: 500;
  color: var(--navy);
  line-height: 1.25;
  margin-bottom: 0.75rem;
}

[data-theme="dark"] .calc-result-title { color: var(--text); }

.calc-result-sub {
  color: var(--text-mid);
  font-size: 1rem;
  line-height: 1.7;
  max-width: 480px;
  margin: 0 auto;
}

.calc-breakdown {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  margin-bottom: 2.5rem;
}

.calc-pillar {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-left: 4px solid var(--gold);
  border-radius: 6px;
  padding: 1.15rem 1.35rem;
}

[data-theme="dark"] .calc-pillar { background: var(--white); }
.calc-pillar.gap { border-left-color: var(--burgundy); }
.calc-pillar.strength { border-left-color: var(--green-mid); }

.calc-pillar-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-bottom: 0.6rem;
}

.calc-pillar-label {
  font-family: var(--serif);
  font-size: 1.1rem;
  font-weight: 500;
  color: var(--navy);
}

[data-theme="dark"] .calc-pillar-label { color: var(--text); }

.calc-pillar-tag {
  font-size: 0.7rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 500;
  color: var(--green-mid);
}

.calc-pillar.gap .calc-pillar-tag { color: var(--burgundy); }
[data-theme="dark"] .calc-pillar.gap .calc-pillar-tag { color: #e09aa8; }
[data-theme="dark"] .calc-pillar.strength .calc-pillar-tag { color: #6fc28e; }

.calc-pillar-bar {
  height: 6px;
  background: var(--border);
  border-radius: 4px;
  overflow: hidden;
  margin-bottom: 0.6rem;
}

.calc-pillar-bar-fill {
  height: 100%;
  background: var(--green-mid);
  border-radius: 4px;
}

.calc-pillar.gap .calc-pillar-bar-fill { background: var(--burgundy); }

.calc-pillar-note {
  font-size: 0.85rem;
  color: var(--text-mid);
  line-height: 1.6;
  margin: 0;
}

.calc-cta {
  background: var(--navy);
  border-radius: 10px;
  padding: 2.25rem 2rem;
  text-align: center;
  color: var(--white);
}

.calc-cta h3 {
  font-family: var(--serif);
  font-size: 1.6rem;
  font-weight: 500;
  color: #fff;
  margin-bottom: 0.85rem;
}

.calc-cta p {
  color: rgba(255,255,255,0.7);
  font-size: 0.95rem;
  line-height: 1.7;
  margin-bottom: 1.5rem;
  max-width: 460px;
  margin-left: auto;
  margin-right: auto;
}

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

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

.calc-cta-note {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.4);
  margin-top: 1rem;
  margin-bottom: 0;
}

/* ─── COURSE PAGE ──────────────────────────────────── */
.course-hero {
  padding: 130px 2rem 80px;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  text-align: center;
}

.course-hero-inner { max-width: 800px; margin: 0 auto; }

.course-hero-title {
  font-family: var(--serif);
  font-size: clamp(2.4rem, 5vw, 3.8rem);
  font-weight: 500;
  line-height: 1.1;
  color: var(--navy);
  margin: 1rem 0 1.25rem;
  letter-spacing: -0.01em;
}

[data-theme="dark"] .course-hero-title { color: var(--text); }

.course-hero-title em { font-style: normal; color: var(--navy-light); }

.course-hero-sub {
  font-size: 1.08rem;
  color: var(--text-mid);
  line-height: 1.75;
  max-width: 580px;
  margin: 0 auto 2rem;
  font-weight: 300;
}

.course-hero-actions {
  display: flex;
  justify-content: center;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 2.5rem;
}

.course-hero-meta {
  display: flex;
  justify-content: center;
  gap: 2.5rem;
  flex-wrap: wrap;
  font-size: 0.82rem;
  color: var(--text-muted);
  letter-spacing: 0.04em;
  padding-top: 1.5rem;
  border-top: 1px solid var(--border);
}

.course-hero-meta strong { color: var(--navy); font-weight: 500; }
[data-theme="dark"] .course-hero-meta strong { color: var(--text); }

/* Problem section */
.course-problem { max-width: 760px; margin: 0 auto; }

.course-pain-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin: 2rem 0;
  padding: 0;
}

.course-pain-list li {
  font-size: 1.02rem;
  color: var(--text-mid);
  line-height: 1.7;
  padding-left: 2rem;
  position: relative;
  font-weight: 300;
}

.course-pain-list li::before {
  content: '✗';
  position: absolute;
  left: 0;
  top: 0;
  color: var(--burgundy);
  font-weight: 600;
}

[data-theme="dark"] .course-pain-list li::before { color: #e09aa8; }

.course-problem-conclusion {
  text-align: center;
  font-family: var(--serif);
  font-size: 1.3rem;
  color: var(--navy);
  line-height: 1.4;
  margin-top: 2rem;
}

[data-theme="dark"] .course-problem-conclusion { color: var(--text); }

/* Modules */
.course-modules {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  max-width: 880px;
  margin: 0 auto;
}

.course-module {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 1.5rem;
  align-items: start;
  padding: 1.75rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
  border-left: 4px solid var(--gold);
}

[data-theme="dark"] .course-module { background: #36426a; border-color: var(--border); border-left-color: var(--gold); }

.course-module-num {
  font-family: var(--serif);
  font-size: 1.6rem;
  font-weight: 500;
  color: var(--gold);
  line-height: 1;
}

.course-module h4 {
  font-family: var(--serif);
  font-size: 1.25rem;
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 0.5rem;
}

[data-theme="dark"] .course-module h4 { color: var(--text); }

.course-module p {
  font-size: 0.92rem;
  color: var(--text-mid);
  line-height: 1.7;
  font-weight: 300;
}

/* Calculator promo */
.course-calc-promo {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
  max-width: 1080px;
  margin: 0 auto;
}

.course-calc-promo p {
  color: var(--text-mid);
  font-weight: 300;
  line-height: 1.85;
  margin-bottom: 1rem;
}

.course-calc-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 2rem;
  box-shadow: 0 8px 32px rgba(13,31,60,0.08);
}

[data-theme="dark"] .course-calc-card { background: #36426a; border-color: var(--border); }

.course-calc-score { text-align: center; margin-bottom: 1.75rem; }

.course-calc-score-num {
  font-family: var(--serif);
  font-size: 3.5rem;
  font-weight: 500;
  color: var(--gold);
  line-height: 1;
}

.course-calc-score-label {
  font-size: 0.7rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-top: 0.5rem;
}

.course-calc-pillars {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  padding-top: 1rem;
  border-top: 1px solid var(--border);
}

.course-calc-pillars > div {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.88rem;
  color: var(--text-mid);
}

.course-calc-pillars .dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
}

.course-calc-pillars .dot.strong { background: var(--green-mid); }
.course-calc-pillars .dot.mid { background: var(--gold); }
.course-calc-pillars .dot.gap { background: var(--burgundy); }

/* About instructor */
.course-about {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
  max-width: 1080px;
  margin: 0 auto;
}

.course-about p {
  color: var(--text-mid);
  font-weight: 300;
  line-height: 1.85;
  margin-bottom: 1rem;
}

.course-about-img {
  height: 400px;
  background-size: cover;
  background-position: center;
  border-radius: 8px;
  border: 1px solid var(--border);
}

/* Pricing */
.course-pricing { max-width: 480px; margin: 0 auto; }

.course-pricing-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 4px solid var(--gold);
  border-radius: 12px;
  padding: 2.5rem 2.25rem;
  text-align: center;
  box-shadow: 0 12px 40px rgba(13,31,60,0.08);
}

[data-theme="dark"] .course-pricing-card { background: #36426a; border-color: var(--border); border-top-color: var(--gold); }

.course-pricing-tag {
  display: inline-block;
  font-size: 0.65rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 500;
  background: var(--gold-pale);
  padding: 0.3rem 0.75rem;
  border-radius: 4px;
  margin-bottom: 1.25rem;
}

.course-pricing-price {
  font-family: var(--serif);
  font-size: 4rem;
  font-weight: 500;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 0.75rem;
}

[data-theme="dark"] .course-pricing-price { color: var(--text); }

.course-price-currency { font-size: 2rem; vertical-align: top; }

.course-pricing-sub {
  font-size: 0.92rem;
  color: var(--text-muted);
  line-height: 1.65;
  margin-bottom: 1.75rem;
}

.course-pricing-list {
  list-style: none;
  text-align: left;
  margin-bottom: 1.75rem;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}

.course-pricing-list li {
  font-size: 0.92rem;
  color: var(--text-mid);
  padding-left: 1.75rem;
  position: relative;
  line-height: 1.5;
}

.course-pricing-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  top: 0;
  color: var(--gold);
  font-weight: 600;
}

.course-enrol-btn { width: 100%; }

.course-pricing-note {
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-top: 1rem;
}

/* ─── FADE ANIMATION ───────────────────────────────── */
.fade-up {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.fade-up.visible { opacity: 1; transform: none; }

/* ─── RESPONSIVE ───────────────────────────────────── */
@media (max-width: 960px) {
  .hero-inner, .calc-inner { grid-template-columns: 1fr; gap: 3rem; }
  .audience-header, .audience-header.reverse { grid-template-columns: 1fr; gap: 2rem; }
  .audience-header .audience-text,
  .audience-header.reverse .audience-text { order: 2; }
  .audience-header .audience-img,
  .audience-header.reverse .audience-img { order: 1; height: 240px; }
  .cards-grid.cols-4 { grid-template-columns: 1fr 1fr; }
  .cards-grid.cols-3 { grid-template-columns: 1fr 1fr; }
  .blog-grid, .blog-index-grid { grid-template-columns: 1fr 1fr; }
  .post-nav { grid-template-columns: 1fr; }
  .post-nav .next { text-align: left; }
  .page-hero-inner { grid-template-columns: 1fr; gap: 2.5rem; }
  .page-hero-img { height: 260px; }
  .biz-topic-block,
  .biz-topic-block.reverse { grid-template-columns: 1fr; gap: 2rem; }
  .biz-topic-block.reverse .biz-topic-text { order: 1; }
  .biz-topic-block.reverse .biz-topic-img  { order: 2; }
  .biz-topic-img { height: 220px; }
  .biz-expect { grid-template-columns: 1fr; gap: 2.5rem; }
  .biz-stats { grid-template-columns: 1fr; gap: 1.5rem; }
  .biz-about-grid { grid-template-columns: 1fr; gap: 1.5rem; }
  .biz-topics-grid { grid-template-columns: repeat(2, 1fr); }
  .page-hero-split-inner { grid-template-columns: 1fr; gap: 2.5rem; }
  .contact-card { position: static; }
  .about-story-grid { grid-template-columns: 1fr; gap: 1.5rem; }
  .about-personal { grid-template-columns: 1fr; gap: 2rem; }
  .about-personal-img { height: 240px; order: -1; }
  .careers-roles { grid-template-columns: 1fr; }
  .careers-military { grid-template-columns: 1fr; gap: 1.5rem; padding: 2rem; }
  .acq-criteria { grid-template-columns: repeat(2, 1fr); }
  .course-calc-promo { grid-template-columns: 1fr; gap: 2rem; }
  .course-about { grid-template-columns: 1fr; gap: 2rem; }
  .course-about-img { height: 280px; order: -1; }
}

@media (max-width: 600px) {
  .biz-topics-grid { grid-template-columns: 1fr; }
  .acq-criteria { grid-template-columns: 1fr; }
  .acq-step { grid-template-columns: 1fr; gap: 0.5rem; padding: 1.5rem; }
  .nav-links .sub-menu { position: static; transform: none; opacity: 1; visibility: visible; box-shadow: none; }
  .calc-app { padding: 1.75rem 1.25rem; }
  .calc-options.calc-scale { grid-template-columns: repeat(5, 1fr); gap: 0.3rem; }
  .calc-options.calc-scale .calc-option { padding: 0.85rem 0.25rem; }
  .calc-options.calc-scale .calc-option span { font-size: 1.15rem; }
  .course-hero-meta { gap: 1.25rem; }
  .course-pricing-price { font-size: 3rem; }
}

@media (max-width: 600px) {
  .nav-links { display: none; }
  .nav-hamburger { display: flex; }
  .nav-controls { margin-left: auto; }
  .cards-grid.cols-4, .cards-grid.cols-3, .blog-grid, .blog-index-grid { grid-template-columns: 1fr; }
  .calc-cards { grid-template-columns: 1fr 1fr; }
  .trust-strip-inner { gap: 1.25rem; }
  .biz-stats { grid-template-columns: 1fr; }
  .waitlist-form-horizontal { max-width: 100%; }
}



/* ══════════════════════════════════════════════════════════
   HOMEPAGE v2 SECTIONS — Who It's For / What I Cover / How It Works
   ══════════════════════════════════════════════════════════ */

/* ─── Section backgrounds (solid, no grid) ──────────────── */
.cpd-grid-bg      { background-color: var(--off-white); }
.cpd-grid-bg-dark { background-color: var(--navy); }

[data-theme="dark"] .cpd-grid-bg { background-color: var(--off-white); }

/* ─── Section shared ───────────────────────────────────── */
.cpd-section-inner {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 2rem;
}

.cpd-who, .cpd-cover, .cpd-steps { padding: 0; }

.cpd-section-header {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  align-items: start;
  padding: 5rem 0 3rem;
}

.cpd-section-eyebrow {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 1.1rem;
}

.cpd-section-eyebrow::before {
  content: '';
  display: block;
  width: 28px;
  height: 1px;
  background: var(--text-muted);
}

.cpd-section-eyebrow.gold { color: var(--gold-bright); }
.cpd-section-eyebrow.gold::before { background: var(--gold-bright); }

.cpd-section-heading {
  font-family: var(--serif);
  font-size: clamp(1.9rem, 3.2vw, 2.8rem);
  font-weight: 500;
  line-height: 1.15;
  letter-spacing: -0.015em;
  color: var(--navy);
}

.cpd-section-heading em { font-style: normal; color: var(--navy-light); }
.cpd-section-heading .faded { color: var(--navy-light); }

.cpd-section-heading-dark { color: var(--white); }
.cpd-section-heading-dark em,
.cpd-section-heading-dark .faded { color: var(--gold-light); font-style: normal; }

.cpd-section-aside {
  padding-top: 3rem;
  font-size: 0.95rem;
  color: var(--text-mid);
  line-height: 1.8;
  font-weight: 300;
}

.cpd-section-aside-dark { color: rgba(255,255,255,0.55); }

.cpd-section-aside-note {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--text-muted);
  margin-top: 0.7rem;
}

.cpd-aside-note-dark { color: rgba(255,255,255,0.28); }

[data-theme="dark"] .cpd-section-heading { color: var(--text); }
[data-theme="dark"] .cpd-section-heading em,
[data-theme="dark"] .cpd-section-heading .faded { color: var(--gold-light); }

/* ─── WHO IT'S FOR — audience cards ──────────────────── */
.cpd-who-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.9rem;
  padding-bottom: 5rem;
}

.cpd-who-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 22px;
  padding: 2.2rem 2rem;
  cursor: pointer;
  transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
  position: relative;
  overflow: hidden;
}

.cpd-who-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 14px 40px rgba(13,31,60,0.1);
  border-color: rgba(13,31,60,0.2);
}

.cpd-who-card.is-active {
  grid-column: 1 / -1;
  grid-row: 1;
  cursor: default;
  transform: none;
  border-color: var(--navy);
  box-shadow: 0 10px 44px rgba(13,31,60,0.13);
}

.cpd-who-card.is-active:hover { transform: none; }

[data-theme="dark"] .cpd-who-card { background: #36426a; border-color: var(--border); }
[data-theme="dark"] .cpd-who-card.is-active { border-color: var(--gold-bright); }

/* Coloured top stripes per audience */
.cpd-who-business { border-top: 3px solid var(--navy-light); }
.cpd-who-families { border-top: 3px solid var(--burgundy); }
.cpd-who-hnw      { border-top: 3px solid var(--green-mid); }

.cpd-who-card-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1.4rem;
}

.cpd-who-top-left {
  display: flex;
  align-items: center;
  gap: 0.7rem;
}

.cpd-who-icon {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.cpd-who-business .cpd-who-icon { background: var(--navy-pale); }
.cpd-who-families .cpd-who-icon { background: var(--burgundy-pale); }
.cpd-who-hnw      .cpd-who-icon { background: var(--green-pale); }

[data-theme="dark"] .cpd-who-business .cpd-who-icon { background: rgba(42,79,138,0.15); }
[data-theme="dark"] .cpd-who-families .cpd-who-icon { background: rgba(122,46,59,0.18); }
[data-theme="dark"] .cpd-who-hnw      .cpd-who-icon { background: rgba(45,110,69,0.18); }

.cpd-who-tag {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 0.32rem 0.85rem;
  border-radius: 20px;
}

.tag-business { background: var(--navy-pale); color: var(--navy-light); }
.tag-families { background: var(--burgundy-pale); color: var(--burgundy); }
.tag-hnw      { background: var(--green-pale); color: var(--green-mid); }

[data-theme="dark"] .tag-business { background: rgba(42,79,138,0.18); color: #8bb1e8; }
[data-theme="dark"] .tag-families { background: rgba(122,46,59,0.22); color: #d68d9a; }
[data-theme="dark"] .tag-hnw      { background: rgba(45,110,69,0.22); color: #82c69a; }

.cpd-who-expand-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  border: 1.5px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  color: var(--text-muted);
  background: transparent;
  transition: transform 0.25s ease, background 0.2s, border-color 0.2s, color 0.2s;
  flex-shrink: 0;
  line-height: 1;
}

.cpd-who-card:hover .cpd-who-expand-icon {
  border-color: var(--navy);
  color: var(--navy);
  background: var(--off-white);
}

.cpd-who-card.is-active .cpd-who-expand-icon { display: none; }

.cpd-who-close {
  position: absolute;
  top: 1.25rem;
  right: 1.25rem;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  border: none;
  font-size: 1.15rem;
  line-height: 1;
  cursor: pointer;
  display: none;
  align-items: center;
  justify-content: center;
  z-index: 3;
  transition: background 0.2s;
  padding: 0;
}

.cpd-who-close:hover { background: var(--navy-mid); }
.cpd-who-card.is-active .cpd-who-close { display: flex; }

.cpd-who-card h3 {
  font-family: var(--serif);
  font-size: 1.55rem;
  font-weight: 500;
  color: var(--navy);
  margin: 0 0 0.7rem;
  line-height: 1.2;
}

[data-theme="dark"] .cpd-who-card h3 { color: var(--text); }

.cpd-who-summary {
  font-size: 0.9rem;
  color: var(--text-mid);
  line-height: 1.7;
  margin-bottom: 1.25rem;
  font-weight: 300;
}

.cpd-who-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
}

.cpd-who-pill {
  font-size: 0.74rem;
  padding: 0.3rem 0.75rem;
  border-radius: 20px;
  background: var(--off-white);
  color: var(--text-mid);
  border: 1px solid var(--border);
}

[data-theme="dark"] .cpd-who-pill {
  background: rgba(255,255,255,0.05);
  color: var(--text-mid);
  border-color: var(--border);
}

/* Expanded state */
.cpd-who-expanded {
  max-height: 0;
  overflow: hidden;
  opacity: 0;
  transition: max-height 0.5s ease, opacity 0.3s ease 0.05s;
}

.cpd-who-card.is-active .cpd-who-expanded {
  max-height: 900px;
  opacity: 1;
}

.cpd-who-card.is-active .cpd-who-pills { display: none; }

.cpd-who-expanded-inner {
  padding-top: 2rem;
  margin-top: 1.5rem;
  border-top: 1px solid var(--border);
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 2rem;
  align-items: start;
}

.cpd-expanded-col-heading {
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 1rem;
}

.cpd-expanded-services {
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
}

.cpd-expanded-service {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.85rem;
  color: var(--text);
  padding: 0.7rem 0.85rem;
  background: var(--off-white);
  border-radius: 8px;
  border: 1px solid var(--border);
}

.cpd-expanded-service > span:nth-child(2) { flex: 1; }

[data-theme="dark"] .cpd-expanded-service {
  background: rgba(255,255,255,0.05);
  color: var(--text);
}

.cpd-service-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
  flex-shrink: 0;
}

.cpd-soon-badge {
  font-size: 0.66rem;
  font-weight: 600;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--gold);
  background: var(--gold-pale);
  border: 1px solid rgba(184,148,42,0.25);
  padding: 0.2rem 0.55rem;
  border-radius: 20px;
  white-space: nowrap;
}

[data-theme="dark"] .cpd-soon-badge {
  background: rgba(201,168,76,0.12);
  color: var(--gold-bright);
}

.cpd-expanded-desc {
  font-size: 0.87rem;
  color: var(--text-mid);
  line-height: 1.8;
  font-weight: 300;
}

.cpd-expanded-cta {
  background: var(--navy);
  border-radius: 14px;
  padding: 1.75rem 1.5rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  min-height: 200px;
}

.cpd-expanded-cta p {
  font-size: 0.87rem;
  color: rgba(255,255,255,0.62);
  line-height: 1.7;
  margin: 0 0 1.5rem;
  font-weight: 300;
}

.cpd-btn-gold {
  background: var(--gold);
  color: var(--navy);
  border: none;
  border-radius: 8px;
  padding: 0.75rem 1.2rem;
  font-family: var(--sans);
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  text-decoration: none;
  display: inline-block;
  transition: background 0.18s, transform 0.15s;
  white-space: nowrap;
  text-align: center;
}

.cpd-btn-gold:hover {
  background: var(--gold-bright);
  transform: translateY(-1px);
}

/* ─── WHAT I COVER ─────────────────────────────────── */
.cpd-cover-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.9rem;
  padding-bottom: 5rem;
}

.cpd-cover-card {
  border-radius: 22px;
  padding: 2rem 1.75rem;
  position: relative;
  overflow: hidden;
  min-height: 220px;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  transition: transform 0.22s ease, box-shadow 0.22s ease;
}

.cpd-cover-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 14px 40px rgba(0,0,0,0.25);
}

.cpd-cover-light {
  background: var(--white);
  border: 1.5px solid var(--border);
}

.cpd-cover-dark {
  background: #162035;
  border: 1.5px solid rgba(255,255,255,0.09);
}

[data-theme="dark"] .cpd-cover-light { background: #36426a; border-color: var(--border); }
[data-theme="dark"] .cpd-cover-dark  { background: var(--navy); }

.cpd-cover-num {
  font-size: 0.68rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}

.cpd-cover-light .cpd-cover-num { color: var(--text-muted); }
.cpd-cover-dark  .cpd-cover-num { color: rgba(255,255,255,0.32); }

.cpd-cover-dot {
  position: absolute;
  top: 1.4rem;
  right: 1.4rem;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold-bright);
}

.cpd-cover-card h3 {
  font-family: var(--sans);
  font-size: 1.1rem;
  font-weight: 600;
  line-height: 1.3;
  margin: 0 0 0.55rem;
}

.cpd-cover-light h3 { color: var(--navy); }
.cpd-cover-dark  h3 { color: var(--white); }

[data-theme="dark"] .cpd-cover-light h3 { color: var(--text); }

.cpd-cover-card p {
  font-size: 0.85rem;
  line-height: 1.7;
  margin: 0;
  font-weight: 300;
}

.cpd-cover-light p { color: var(--text-mid); }
.cpd-cover-dark  p { color: rgba(255,255,255,0.5); }

/* ─── HOW IT WORKS ─────────────────────────────────── */
.cpd-steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.9rem;
  padding-bottom: 5rem;
}

.cpd-step-card {
  border-radius: 22px;
  padding: 2.25rem 1.75rem 2rem;
  position: relative;
  transition: transform 0.22s ease, box-shadow 0.22s ease;
}

.cpd-step-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 14px 40px rgba(13,31,60,0.1);
}

.cpd-step-light {
  background: var(--white);
  border: 1.5px solid var(--border);
}

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

[data-theme="dark"] .cpd-step-light { background: #36426a; border-color: var(--border); }
[data-theme="dark"] .cpd-step-dark  { background: #1a2a4d; }

.cpd-step-num {
  font-family: var(--serif);
  font-size: 3.2rem;
  line-height: 1;
  margin-bottom: 1.5rem;
}

.cpd-step-light .cpd-step-num { color: rgba(13,31,60,0.1); }
.cpd-step-dark  .cpd-step-num { color: rgba(255,255,255,0.12); }

[data-theme="dark"] .cpd-step-light .cpd-step-num { color: rgba(255,255,255,0.12); }

.cpd-step-timing {
  font-size: 0.68rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold-bright);
  margin-bottom: 0.65rem;
}

.cpd-step-card h3 {
  font-family: var(--sans);
  font-size: 1.1rem;
  font-weight: 600;
  line-height: 1.3;
  margin: 0 0 0.55rem;
}

.cpd-step-light h3 { color: var(--navy); }
.cpd-step-dark  h3 { color: var(--white); }

[data-theme="dark"] .cpd-step-light h3 { color: var(--text); }

.cpd-step-card p {
  font-size: 0.85rem;
  line-height: 1.7;
  margin: 0;
  font-weight: 300;
}

.cpd-step-light p { color: var(--text-mid); }
.cpd-step-dark  p { color: rgba(255,255,255,0.55); }

.cpd-step-dot {
  position: absolute;
  top: 1.4rem;
  right: 1.4rem;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold-bright);
}

/* ─── Responsive ───────────────────────────────────── */
@media (max-width: 960px) {
  .cpd-section-header {
    grid-template-columns: 1fr;
    gap: 1rem;
    padding: 4rem 0 2.5rem;
  }
  .cpd-section-aside { padding-top: 0; }
  .cpd-who-grid { grid-template-columns: 1fr; }
  .cpd-who-card.is-active { grid-column: 1; }
  .cpd-cover-grid { grid-template-columns: repeat(2, 1fr); }
  .cpd-steps-grid { grid-template-columns: repeat(2, 1fr); }
  .cpd-who-expanded-inner { grid-template-columns: 1fr; gap: 1.5rem; }
}

@media (max-width: 600px) {
  .cpd-cover-grid, .cpd-steps-grid { grid-template-columns: 1fr; }
  .cpd-section-inner { padding: 0 1.25rem; }
}


/* ─── BLOG / KNOWLEDGE section ─────────────────────── */
.cpd-blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.9rem;
  padding-bottom: 5rem;
}

.cpd-blog-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 22px;
  overflow: hidden;
  text-decoration: none;
  display: flex;
  flex-direction: column;
  transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
}

.cpd-blog-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 14px 40px rgba(13,31,60,0.18);
  border-color: rgba(13,31,60,0.2);
}

[data-theme="dark"] .cpd-blog-card { background: #36426a; border-color: var(--border); }

.cpd-blog-image {
  height: 180px;
  position: relative;
  overflow: hidden;
}

.cpd-blog-image.tone-business { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%); }
.cpd-blog-image.tone-pensions { background: linear-gradient(135deg, #1a0a20 0%, #3d1a4a 100%); }
.cpd-blog-image.tone-wealth   { background: linear-gradient(135deg, #0a1f0f 0%, #163d1e 100%); }
.cpd-blog-image.tone-protect  { background: linear-gradient(135deg, #2a0d14 0%, #5b1f2d 100%); }
.cpd-blog-image.tone-tax      { background: linear-gradient(135deg, #2b2410 0%, #6b561e 100%); }

.cpd-blog-cat {
  position: absolute;
  bottom: 1rem;
  left: 1rem;
  font-size: 0.66rem;
  font-weight: 600;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  color: var(--gold-bright);
  background: rgba(13,31,60,0.7);
  padding: 0.3rem 0.85rem;
  border-radius: 20px;
  border: 1px solid rgba(201,168,76,0.28);
}

.cpd-blog-body {
  padding: 1.6rem 1.6rem 1.75rem;
  flex: 1;
  display: flex;
  flex-direction: column;
}

.cpd-blog-date {
  font-size: 0.72rem;
  color: var(--text-muted);
  margin-bottom: 0.55rem;
  letter-spacing: 0.02em;
}

.cpd-blog-card h3 {
  font-family: var(--serif);
  font-size: 1.2rem;
  font-weight: 500;
  color: var(--navy);
  line-height: 1.35;
  margin: 0 0 0.65rem;
  letter-spacing: -0.005em;
}

[data-theme="dark"] .cpd-blog-card h3 { color: var(--text); }

.cpd-blog-card p {
  font-size: 0.85rem;
  color: var(--text-mid);
  line-height: 1.7;
  margin: 0 0 1.15rem;
  flex: 1;
  font-weight: 300;
}

.cpd-blog-link {
  font-size: 0.82rem;
  font-weight: 500;
  color: var(--navy);
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  transition: gap 0.18s;
}

[data-theme="dark"] .cpd-blog-link { color: var(--gold-bright); }

.cpd-blog-card:hover .cpd-blog-link { gap: 0.55rem; }

@media (max-width: 960px) {
  .cpd-blog-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 600px) {
  .cpd-blog-grid { grid-template-columns: 1fr; }
}


/* ══════════════════════════════════════════════════════════
   FOR BUSINESS — landing page sections
   ══════════════════════════════════════════════════════════ */

/* ─── Pain points grid ──────────────────────────────── */
.biz-pain-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
}

.biz-pain-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 2rem 1.85rem 1.85rem;
  position: relative;
  transition: box-shadow 0.22s ease, transform 0.22s ease, border-color 0.22s ease;
}

.biz-pain-card:hover {
  box-shadow: 0 12px 36px rgba(13,31,60,0.08);
  transform: translateY(-3px);
  border-color: rgba(13,31,60,0.15);
}

[data-theme="dark"] .biz-pain-card { background: #36426a; border-color: var(--border); }

.biz-pain-num {
  display: inline-block;
  font-family: var(--serif);
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--gold);
  background: var(--gold-pale);
  border-radius: 6px;
  padding: 0.2rem 0.65rem;
  margin-bottom: 1rem;
  letter-spacing: 0.02em;
}

[data-theme="dark"] .biz-pain-num { background: rgba(201,168,76,0.13); color: var(--gold-bright); }

.biz-pain-card h3 {
  font-family: var(--serif);
  font-size: 1.3rem;
  font-weight: 500;
  color: var(--navy);
  margin: 0 0 0.7rem;
  line-height: 1.3;
}

[data-theme="dark"] .biz-pain-card h3 { color: var(--text); }

.biz-pain-card p {
  font-size: 0.92rem;
  color: var(--text-mid);
  line-height: 1.75;
  font-weight: 300;
  margin: 0;
}

/* ─── Prominent stats band ──────────────────────────── */
.biz-stats-prominent {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}

.biz-stats-prominent .biz-stat {
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 3px solid var(--gold);
  border-radius: 12px;
  padding: 2.25rem 1.75rem;
  text-align: center;
  transition: box-shadow 0.22s ease, transform 0.22s ease;
}

.biz-stats-prominent .biz-stat:nth-child(1) { border-top-color: var(--navy-light); }
.biz-stats-prominent .biz-stat:nth-child(2) { border-top-color: var(--burgundy); }
.biz-stats-prominent .biz-stat:nth-child(3) { border-top-color: var(--green-mid); }

.biz-stats-prominent .biz-stat:hover {
  box-shadow: 0 12px 32px rgba(13,31,60,0.1);
  transform: translateY(-3px);
}

[data-theme="dark"] .biz-stats-prominent .biz-stat { background: #36426a; border-color: var(--border); }

.biz-stats-prominent .biz-stat-num {
  display: block;
  font-family: var(--serif);
  font-size: clamp(2.4rem, 4vw, 3rem);
  font-weight: 500;
  color: var(--navy);
  line-height: 1.1;
  margin-bottom: 0.75rem;
  letter-spacing: -0.02em;
}

[data-theme="dark"] .biz-stats-prominent .biz-stat-num { color: var(--text); }

.biz-stats-prominent .biz-stat-label {
  display: block;
  font-size: 0.88rem;
  color: var(--text-mid);
  line-height: 1.7;
  font-weight: 300;
}

.biz-stat-source {
  display: block;
  font-style: normal;
  font-size: 0.72rem;
  color: var(--text-muted);
  margin-top: 0.65rem;
  letter-spacing: 0.01em;
}

/* ─── CTA tile inside pillar grid ───────────────────── */
.svc-card-cta {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}

.svc-card-cta h3 { color: var(--white); }
.svc-card-cta p { color: rgba(255,255,255,0.62); }
.svc-card-cta .svc-link { color: var(--gold-bright); }
.svc-card-cta:hover {
  background: var(--navy-mid);
  border-color: var(--navy-mid);
  transform: translateY(-3px);
  box-shadow: 0 12px 32px rgba(13,31,60,0.18);
}

[data-theme="dark"] .svc-card-cta { background: #1a2a4d; border-color: var(--border); }
[data-theme="dark"] .svc-card-cta:hover { background: #243660; }

/* ─── Process steps ─────────────────────────────────── */
.biz-process {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}

.biz-process-step {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 1.85rem 1.75rem;
  position: relative;
  transition: box-shadow 0.22s ease, transform 0.22s ease, border-color 0.22s ease;
}

.biz-process-step:hover {
  box-shadow: 0 12px 32px rgba(13,31,60,0.1);
  transform: translateY(-3px);
  border-color: rgba(13,31,60,0.15);
}

[data-theme="dark"] .biz-process-step { background: #36426a; border-color: var(--border); }

.biz-process-num {
  font-family: var(--serif);
  font-size: 2.6rem;
  font-weight: 500;
  color: var(--navy-pale);
  line-height: 1;
  margin-bottom: 1rem;
  letter-spacing: -0.02em;
}

[data-theme="dark"] .biz-process-num { color: rgba(255,255,255,0.1); }

.biz-process-tag {
  display: inline-block;
  font-size: 0.66rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  background: var(--gold-pale);
  padding: 0.22rem 0.65rem;
  border-radius: 12px;
  margin-bottom: 0.85rem;
}

[data-theme="dark"] .biz-process-tag { background: rgba(201,168,76,0.13); color: var(--gold-bright); }

.biz-process-step h3 {
  font-family: var(--serif);
  font-size: 1.15rem;
  font-weight: 500;
  color: var(--navy);
  margin: 0 0 0.55rem;
  line-height: 1.3;
}

[data-theme="dark"] .biz-process-step h3 { color: var(--text); }

.biz-process-step p {
  font-size: 0.86rem;
  color: var(--text-mid);
  line-height: 1.7;
  font-weight: 300;
  margin: 0;
}

/* ─── Trust section ─────────────────────────────────── */
.biz-trust {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 4rem;
  align-items: start;
}

.biz-trust-left .section-title { margin-top: 0.5rem; }

.biz-principles {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.biz-principle {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 1.4rem 1.5rem;
  transition: border-color 0.22s ease, box-shadow 0.22s ease;
}

.biz-principle:hover {
  border-color: rgba(13,31,60,0.15);
  box-shadow: 0 8px 24px rgba(13,31,60,0.06);
}

[data-theme="dark"] .biz-principle { background: #36426a; border-color: var(--border); }

.biz-principle-icon {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.biz-principle strong {
  display: block;
  font-family: var(--serif);
  font-size: 1.1rem;
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 0.3rem;
  line-height: 1.3;
}

[data-theme="dark"] .biz-principle strong { color: var(--text); }

.biz-principle p {
  font-size: 0.86rem;
  color: var(--text-mid);
  line-height: 1.65;
  font-weight: 300;
  margin: 0;
}

/* ─── Waitlist perks grid ───────────────────────────── */
.biz-perks-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}

.biz-perk {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 1.85rem 1.5rem;
  text-align: left;
  transition: box-shadow 0.22s ease, transform 0.22s ease, border-color 0.22s ease;
}

.biz-perk:hover {
  box-shadow: 0 12px 32px rgba(13,31,60,0.08);
  transform: translateY(-3px);
  border-color: rgba(13,31,60,0.15);
}

[data-theme="dark"] .biz-perk { background: #36426a; border-color: var(--border); }

.biz-perk-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: var(--navy-pale);
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.2rem;
}

[data-theme="dark"] .biz-perk-icon { background: rgba(42,79,138,0.18); color: #8bb1e8; }

.biz-perk h3 {
  font-family: var(--serif);
  font-size: 1.1rem;
  font-weight: 500;
  color: var(--navy);
  margin: 0 0 0.5rem;
  line-height: 1.3;
}

[data-theme="dark"] .biz-perk h3 { color: var(--text); }

.biz-perk p {
  font-size: 0.85rem;
  color: var(--text-mid);
  line-height: 1.65;
  font-weight: 300;
  margin: 0;
}

/* ─── Responsive ────────────────────────────────────── */
@media (max-width: 960px) {
  .biz-pain-grid { grid-template-columns: 1fr; }
  .biz-stats-prominent { grid-template-columns: 1fr; }
  .biz-process { grid-template-columns: repeat(2, 1fr); }
  .biz-trust { grid-template-columns: 1fr; gap: 2.5rem; }
  .biz-perks-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 600px) {
  .biz-process { grid-template-columns: 1fr; }
  .biz-perks-grid { grid-template-columns: 1fr; }
}