/* ═══════════════════════════════════════════
   Anne's Financial Services — Premium Stylesheet
   Navy #1a2d5a | Gold #c9a227 | Silver #8a9ab5
═══════════════════════════════════════════ */

:root {
  --navy:       #1a2d5a;
  --navy-mid:   #1e3870;
  --navy-dk:    #0f1b38;
  --navy-deep:  #0a1228;
  --gold:       #c9a227;
  --gold-lt:    #ddb83a;
  --gold-soft:  rgba(201,162,39,0.12);
  --silver:     #8a9ab5;
  --silver-lt:  #b0bdd4;
  --light:      #f7f8fb;
  --light-warm: #faf9f6;
  --white:      #ffffff;
  --text:       #2d3748;
  --text-lt:    #64748b;
  --text-xs:    #94a3b8;
  --border:     #e2e8f0;
  --border-lt:  #f1f5f9;
  --radius:     16px;
  --radius-sm:  10px;
  --radius-xs:  6px;
  --shadow-sm:  0 1px 3px rgba(26,45,90,0.06);
  --shadow:     0 4px 24px rgba(26,45,90,0.08);
  --shadow-md:  0 8px 32px rgba(26,45,90,0.12);
  --shadow-lg:  0 16px 56px rgba(26,45,90,0.16);
  --shadow-xl:  0 24px 64px rgba(26,45,90,0.22);
  --trans:      all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --trans-fast: all 0.15s ease;
}

/* ─── RESET ─── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; }
body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  font-size: 16px;
  line-height: 1.7;
  color: var(--text);
  background: var(--white);
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; font-family: inherit; border: none; background: none; }

/* ─── UTILITIES ─── */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}
.gold-text { color: var(--gold); }
.section-eyebrow {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
  position: relative;
  padding-bottom: 10px;
}
.section-eyebrow::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 32px;
  height: 2px;
  background: linear-gradient(90deg, var(--gold), var(--gold-lt));
  border-radius: 2px;
}
.why-text .section-eyebrow::after,
.contact-info .section-eyebrow::after {
  left: 0;
  transform: none;
}
.section-eyebrow.light { color: var(--gold-lt); }
.section-header {
  text-align: center;
  margin-bottom: 64px;
}
.section-header h2 {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: clamp(2rem, 3.5vw, 2.8rem);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
  line-height: 1.25;
}
.section-sub {
  color: var(--text-lt);
  max-width: 560px;
  margin: 0 auto;
  font-size: 1.02rem;
}

/* ─── BUTTONS ─── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 32px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.88rem;
  letter-spacing: 0.02em;
  transition: var(--trans);
  cursor: pointer;
  border: none;
  position: relative;
  overflow: hidden;
}
.btn-gold {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-lt) 100%);
  color: var(--navy-dk);
  box-shadow: 0 2px 12px rgba(201,162,39,0.2);
  border: 1px solid transparent !important;
}
.btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 24px rgba(201,162,39,0.35);
  filter: brightness(1.05);
}
.btn-glass {
  background: rgba(255,255,255,0.08);
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.25);
  backdrop-filter: blur(8px);
}
.btn-glass:hover {
  background: rgba(255,255,255,0.15);
  border-color: var(--gold);
  color: var(--gold);
}
.btn-full { width: 100%; justify-content: center; }
.btn-lg { padding: 18px 40px; font-size: 0.95rem; }

/* ─── NAVBAR ─── */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.98);
  backdrop-filter: blur(20px);
  box-shadow: 0 1px 0 rgba(26,45,90,0.06);
  transition: backdrop-filter 0.4s ease, box-shadow 0.4s ease;
  overflow: visible;
  border-bottom: 2px solid var(--gold);
}
.navbar.scrolled {
  background: rgba(255,255,255,0.98);
  backdrop-filter: blur(20px);
  box-shadow: 0 4px 20px rgba(26,45,90,0.06);
}
.nav-inner {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100px;
}
.nav-logo img {
  height: 90px;
  width: auto;
  filter: none;
  transition: var(--trans);
}
.navbar.scrolled .nav-logo img {
  filter: none;
}
.nav-right {
  display: flex;
  align-items: center;
  gap: 12px;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 36px;
  margin-right: 24px;
}
.nav-links li a {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  transition: var(--trans);
  position: relative;
  letter-spacing: 0.01em;
}
.nav-links li a::after {
  content: '';
  position: absolute;
  bottom: -6px;
  left: 50%;
  transform: translateX(-50%);
  width: 0;
  height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
  transition: width 0.3s ease;
}
.nav-links li a:hover::after,
.nav-links li a.active::after { width: 120%; }
.nav-links li a:hover { color: var(--navy-mid); }
.navbar.scrolled .nav-links li a { color: var(--navy); }
.navbar.scrolled .nav-links li a:hover { color: var(--gold); }
.btn.btn-nav {
  background: var(--navy);
  color: var(--white) !important;
  padding: 11px 28px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.85rem;
  letter-spacing: 0.02em;
  border: 1.5px solid var(--navy) !important;
  box-shadow: 0 2px 8px rgba(26,45,90,0.15);
  transition: all 0.3s ease;
}
.btn.btn-nav:hover {
  background: transparent !important;
  color: var(--navy) !important;
  border-color: var(--navy) !important;
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(26,45,90,0.2);
}
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  z-index: 10;
}
.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: var(--trans);
}
.navbar.scrolled .hamburger span { background: var(--navy); }
.mobile-menu {
  display: none;
  background: var(--white);
  border-top: 1px solid var(--border);
  padding: 16px 24px 24px;
  box-shadow: 0 16px 32px rgba(26,45,90,0.12);
}
.mobile-menu ul { display: flex; flex-direction: column; gap: 2px; }
.mobile-menu a {
  display: block;
  padding: 14px 16px;
  font-weight: 600;
  color: var(--navy);
  border-radius: 10px;
  font-size: 0.95rem;
  transition: var(--trans-fast);
}
.mobile-menu a:hover { background: var(--light); color: var(--gold); }
.mobile-menu a.cta {
  background: var(--navy);
  color: var(--white);
  text-align: center;
  margin-top: 8px;
}
.mobile-menu.open { display: block; }

/* ─── HERO ─── */
.hero {
  position: relative;
  background: linear-gradient(145deg, var(--navy-deep) 0%, var(--navy-dk) 30%, var(--navy) 70%, var(--navy-mid) 100%);
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding: 120px 0 100px;
  overflow: hidden;
}
.hero-bg-pattern {
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 1px 1px, rgba(255,255,255,0.03) 1px, transparent 0);
  background-size: 40px 40px;
  pointer-events: none;
}
.hero-gradient-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  pointer-events: none;
}
.hero-orb-1 {
  width: 500px;
  height: 500px;
  background: rgba(201,162,39,0.08);
  top: -100px;
  right: 10%;
  animation: float-orb 8s ease-in-out infinite;
}
.hero-orb-2 {
  width: 350px;
  height: 350px;
  background: rgba(26,45,90,0.5);
  bottom: -50px;
  left: 5%;
  animation: float-orb 10s ease-in-out infinite reverse;
}
@keyframes float-orb {
  0%, 100% { transform: translate(0, 0); }
  50% { transform: translate(20px, -30px); }
}

.hero-content {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 64px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-eyebrow {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 20px;
}
.hero-eyebrow span:last-child {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
}
.eyebrow-line {
  width: 32px;
  height: 2px;
  background: var(--gold);
  display: block;
}
.hero-text h1 {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: clamp(2.6rem, 4.5vw, 3.8rem);
  font-weight: 700;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 24px;
}
.hero-sub {
  color: rgba(255,255,255,0.7);
  font-size: 1.05rem;
  max-width: 500px;
  margin-bottom: 36px;
  line-height: 1.8;
}
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 48px; }

.hero-trust-badges { display: flex; gap: 28px; flex-wrap: wrap; }
.hero-badge-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.78rem;
  font-weight: 500;
  color: rgba(255,255,255,0.6);
}

/* Hero visual / floating cards */
.hero-visual { position: relative; }
.hero-card-stack {
  position: relative;
  height: 440px;
}
.hero-logo-display {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 200px;
  height: 200px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
  backdrop-filter: blur(12px);
}
.hero-logo-display img {
  width: 160px;
  height: auto;
  filter: drop-shadow(0 4px 20px rgba(0,0,0,0.3));
}
.hero-float-card {
  position: absolute;
  background: rgba(255,255,255,0.07);
  backdrop-filter: blur(16px);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 16px;
  padding: 18px 22px;
  display: flex;
  align-items: center;
  gap: 14px;
  animation: float-card 6s ease-in-out infinite;
}
.float-card-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: rgba(201,162,39,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.float-card-label {
  display: block;
  font-size: 0.72rem;
  font-weight: 500;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.float-card-value {
  display: block;
  font-size: 1.35rem;
  font-weight: 800;
  line-height: 1.2;
}
.card-1 { top: 20px; right: 10px; animation-delay: 0s; }
.card-2 { top: 50%; left: 0; transform: translateY(-50%); animation-delay: -2s; }
.card-3 { bottom: 20px; right: 30px; animation-delay: -4s; }

@keyframes float-card {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}
.card-2 {
  animation-name: float-card-alt;
}
@keyframes float-card-alt {
  0%, 100% { transform: translateY(-50%); }
  50% { transform: translateY(calc(-50% - 10px)); }
}

.hero-wave {
  position: absolute;
  bottom: -1px; left: 0; right: 0;
}
.hero-wave svg { display: block; width: 100%; height: 100px; }

/* ─── TRUST BAR ─── */
.trust-bar {
  background: var(--light);
  padding: 48px 0;
  border-bottom: 1px solid var(--border-lt);
}
.trust-inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 16px 20px;
  border-radius: var(--radius);
  transition: var(--trans);
}
.trust-item:hover {
  background: var(--white);
  box-shadow: var(--shadow-sm);
}
.trust-icon-wrap {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--gold-soft);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.trust-item strong {
  display: block;
  font-size: 0.88rem;
  color: var(--navy);
  font-weight: 700;
}
.trust-item span {
  font-size: 0.78rem;
  color: var(--text-lt);
}

/* ─── SERVICES ─── */
.services {
  padding: 112px 0;
  background: var(--white);
}
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 40px 32px;
  position: relative;
  transition: var(--trans);
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 12px 40px rgba(26,45,90,0.1);
  border-color: rgba(201,162,39,0.2);
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-lt));
  border-radius: var(--radius) var(--radius) 0 0;
  opacity: 0;
  transition: var(--trans);
}
.service-card:hover::before { opacity: 1; }
.service-card.featured { background: var(--navy); border-color: var(--navy); }
.service-card.featured::before { background: linear-gradient(90deg, var(--gold), var(--gold-lt)); opacity: 1; }
.service-card.featured h3 { color: var(--white); }
.service-card.featured > p { color: rgba(255,255,255,0.7); }
.service-card.featured .service-features li { color: rgba(255,255,255,0.7); }
.service-card.featured .service-features li::before { color: var(--gold); }
.service-card.featured .service-cta { color: var(--gold); }
.service-card.featured .service-icon-wrap {
  background: rgba(201,162,39,0.12);
  color: var(--gold);
}
.featured-ribbon {
  position: absolute;
  top: 16px;
  right: 16px;
  background: var(--gold);
  color: var(--navy-dk);
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 50px;
}

.service-icon-wrap {
  width: 56px;
  height: 56px;
  border-radius: 14px;
  background: var(--light);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  color: var(--navy);
  transition: var(--trans);
}
.service-card:hover .service-icon-wrap {
  background: var(--gold-soft);
  color: var(--gold);
}
.service-card.featured:hover .service-icon-wrap {
  background: rgba(201,162,39,0.2);
}
.service-card h3 {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
}
.service-card > p {
  font-size: 0.88rem;
  color: var(--text-lt);
  margin-bottom: 24px;
  line-height: 1.7;
}
.service-features { margin-bottom: 28px; }
.service-features li {
  font-size: 0.84rem;
  color: var(--text-lt);
  padding: 6px 0;
  padding-left: 22px;
  position: relative;
}
.service-features li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
  transform: translateY(-50%);
}
.service-cta {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--navy);
  transition: var(--trans);
}
.service-cta:hover { color: var(--gold); gap: 10px; }

/* ─── PROCESS ─── */
.process {
  padding: 112px 0;
  background: var(--light);
}
.process-steps {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 0;
}
.process-step {
  flex: 1;
  text-align: center;
  padding: 0 20px;
  max-width: 240px;
}
.step-number {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--white);
  color: var(--navy);
  font-size: 1.1rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  box-shadow: 0 4px 16px rgba(26,45,90,0.08);
  border: 2px solid var(--gold);
  transition: var(--trans);
}
.process-step:hover .step-number {
  background: var(--navy);
  color: var(--gold);
  box-shadow: 0 6px 24px rgba(26,45,90,0.18);
}
.process-step h4 {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}
.process-step p {
  font-size: 0.84rem;
  color: var(--text-lt);
  line-height: 1.65;
}
.process-connector {
  display: flex;
  align-items: center;
  padding-top: 28px;
  flex-shrink: 0;
}

/* ─── WHY US ─── */
.why-us {
  padding: 112px 0;
  background: var(--white);
}
.why-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.why-text h2 {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: clamp(2rem, 3.5vw, 2.6rem);
  color: var(--navy);
  margin-bottom: 20px;
  line-height: 1.25;
}
.why-text > p {
  color: var(--text-lt);
  margin-bottom: 40px;
  font-size: 1.02rem;
  line-height: 1.8;
}
.why-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 40px;
}
.stat { text-align: center; }
.stat-num {
  display: inline;
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
}
.stat-suffix {
  font-size: 2rem;
  font-weight: 800;
}
.stat-label {
  display: block;
  font-size: 0.72rem;
  color: var(--text-lt);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-top: 8px;
}

.why-features { display: flex; flex-direction: column; gap: 20px; }
.feature-card {
  display: flex;
  gap: 18px;
  align-items: flex-start;
  padding: 24px;
  border-radius: var(--radius);
  background: var(--light);
  border: 1px solid var(--border-lt);
  transition: var(--trans);
}
.feature-card:hover {
  background: var(--white);
  box-shadow: 0 8px 32px rgba(26,45,90,0.08);
  border-color: rgba(201,162,39,0.15);
  transform: translateX(4px);
}
.feature-icon-wrap {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: var(--gold-soft);
  display: flex;
  align-items: center;
  justify-content: center;
}
.feature-card h4 {
  font-size: 0.95rem;
  color: var(--navy);
  margin-bottom: 4px;
  font-weight: 700;
}
.feature-card p {
  font-size: 0.84rem;
  color: var(--text-lt);
  line-height: 1.6;
}

/* ─── TESTIMONIALS ─── */
.testimonials {
  padding: 112px 0;
  background: var(--light);
}
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 36px 32px;
  border: 1px solid var(--border-lt);
  transition: var(--trans);
  position: relative;
}
.testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 40px rgba(26,45,90,0.1);
  border-color: rgba(201,162,39,0.15);
}
.quote-mark {
  margin-bottom: 16px;
}
.stars {
  display: flex;
  gap: 3px;
  margin-bottom: 16px;
}
.testimonial-card > p {
  font-size: 0.92rem;
  color: var(--text);
  line-height: 1.8;
  font-style: italic;
  margin-bottom: 28px;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 14px;
  padding-top: 20px;
  border-top: 1px solid var(--border-lt);
}
.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.8rem;
  flex-shrink: 0;
}
.testimonial-author strong {
  display: block;
  color: var(--navy);
  font-size: 0.9rem;
}
.testimonial-author span {
  font-size: 0.78rem;
  color: var(--text-lt);
}

/* ─── ABOUT ─── */
.about {
  padding: 112px 0;
  background: var(--white);
}
.about-inner {
  display: grid;
  grid-template-columns: 1fr 1.15fr;
  gap: 80px;
  align-items: center;
}
.about-visual { position: relative; }
.about-logo-frame {
  background: linear-gradient(145deg, var(--navy-dk), var(--navy), var(--navy-mid));
  border-radius: 24px;
  padding: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-xl);
  position: relative;
  overflow: hidden;
}
.about-logo-frame::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 1px 1px, rgba(255,255,255,0.03) 1px, transparent 0);
  background-size: 32px 32px;
}
.about-logo-frame img {
  width: 220px;
  height: 220px;
  object-fit: contain;
  filter: drop-shadow(0 8px 24px rgba(0,0,0,0.3));
  position: relative;
}
.about-accent-card {
  position: absolute;
  bottom: -16px;
  right: -16px;
  background: var(--white);
  border-radius: 16px;
  padding: 20px 24px;
  box-shadow: var(--shadow-md);
  text-align: center;
  border: 1px solid var(--border-lt);
}
.about-accent-card.card-top {
  bottom: auto;
  right: auto;
  top: -16px;
  left: -16px;
}
.accent-number {
  display: block;
  font-size: 1.8rem;
  font-weight: 800;
  line-height: 1;
}
.accent-label {
  display: block;
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--text-lt);
  margin-top: 4px;
  line-height: 1.4;
}

.about-text h2 {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: clamp(2rem, 3.5vw, 2.5rem);
  color: var(--navy);
  margin-bottom: 20px;
  line-height: 1.25;
}
.about-text > p {
  color: var(--text-lt);
  margin-bottom: 16px;
  line-height: 1.8;
}
.about-certs {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin: 32px 0 36px;
}
.cert-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 10px 18px;
  background: var(--light);
  border: 1px solid var(--border-lt);
  border-radius: 50px;
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--navy);
  width: fit-content;
  transition: var(--trans);
}
.cert-badge:hover {
  border-color: rgba(201,162,39,0.3);
  background: var(--white);
  box-shadow: 0 2px 12px rgba(26,45,90,0.06);
}

/* ─── CTA BANNER ─── */
.cta-banner {
  padding: 80px 0;
  background: linear-gradient(135deg, var(--navy-dk), var(--navy));
  position: relative;
  overflow: hidden;
}
.cta-bg-pattern {
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 1px 1px, rgba(255,255,255,0.03) 1px, transparent 0);
  background-size: 32px 32px;
}
.cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  position: relative;
  z-index: 1;
}
.cta-inner h2 {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: clamp(1.6rem, 2.5vw, 2.2rem);
  color: var(--white);
  margin-bottom: 8px;
  line-height: 1.3;
}
.cta-inner p {
  color: rgba(255,255,255,0.7);
  font-size: 1rem;
}

/* ─── CONTACT ─── */
.contact {
  padding: 112px 0;
  background: var(--light);
}
.contact-inner {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 72px;
  align-items: start;
}
.contact-info h2 {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: clamp(2rem, 3vw, 2.5rem);
  color: var(--navy);
  margin-bottom: 16px;
  line-height: 1.25;
}
.contact-desc {
  color: var(--text-lt);
  margin-bottom: 40px;
  font-size: 1rem;
  line-height: 1.8;
}
.contact-details { display: flex; flex-direction: column; gap: 24px; }
.contact-detail-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}
.contact-icon-wrap {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: var(--gold-soft);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.contact-detail-item strong {
  display: block;
  font-size: 0.88rem;
  color: var(--navy);
  margin-bottom: 2px;
  font-weight: 700;
}
.contact-detail-item span {
  font-size: 0.88rem;
  color: var(--text-lt);
  line-height: 1.55;
}

.contact-form-wrap {
  background: var(--white);
  border-radius: 24px;
  padding: 48px 44px;
  box-shadow: 0 12px 48px rgba(26,45,90,0.1);
  border: 1px solid var(--border-lt);
  border-top: 3px solid var(--gold);
  position: relative;
}
.contact-form h3 {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 1.4rem;
  color: var(--navy);
  margin-bottom: 6px;
  font-weight: 700;
}
.form-subtitle {
  font-size: 0.84rem;
  color: var(--text-lt);
  margin-bottom: 28px;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 18px;
}
.form-group label {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--navy);
  letter-spacing: 0.02em;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: inherit;
  font-size: 0.9rem;
  color: var(--text);
  background: var(--white);
  transition: var(--trans);
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px var(--gold-soft);
}
.form-group textarea { resize: vertical; }

/* ─── FOOTER ─── */
.footer {
  background: var(--navy-deep);
  padding: 72px 0 0;
  border-top: 3px solid var(--gold);
}
.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-logo {
  height: 56px;
  width: auto;
  margin-bottom: 16px;
}
.footer-tagline {
  font-size: 0.84rem;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 12px;
  letter-spacing: 0.02em;
}
.footer-desc {
  font-size: 0.84rem;
  color: rgba(255,255,255,0.4);
  max-width: 280px;
  line-height: 1.7;
}
.footer-links h4 {
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  margin-bottom: 20px;
}
.footer-links ul { display: flex; flex-direction: column; gap: 12px; }
.footer-links a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
  transition: var(--trans);
}
.footer-links a:hover { color: var(--gold); }
.footer-bottom { padding: 24px 0; }
.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
}
.footer-bottom p { font-size: 0.78rem; color: rgba(255,255,255,0.3); }
.footer-bottom a { color: rgba(255,255,255,0.4); transition: var(--trans); }
.footer-bottom a:hover { color: var(--gold); }

/* ─── SCROLL ANIMATIONS ─── */
.reveal-up {
  opacity: 0;
  transform: translateY(32px);
  transition: opacity 0.7s cubic-bezier(0.4, 0, 0.2, 1), transform 0.7s cubic-bezier(0.4, 0, 0.2, 1);
}
.reveal-up.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ─── RESPONSIVE ─── */
@media (max-width: 1024px) {
  .hero-content { grid-template-columns: 1fr; }
  .hero-visual { display: none; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .why-inner { gap: 56px; }
  .about-inner { gap: 56px; }
  .process-steps { flex-wrap: wrap; gap: 24px; justify-content: center; }
  .process-connector { display: none; }
  .process-step { min-width: 200px; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .cta-inner { flex-direction: column; text-align: center; }
}

@media (max-width: 768px) {
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .trust-inner { grid-template-columns: 1fr 1fr; gap: 12px; }
  .services-grid { grid-template-columns: 1fr; }
  .why-inner { grid-template-columns: 1fr; gap: 48px; }
  .why-stats { gap: 16px; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .about-inner { grid-template-columns: 1fr; }
  .about-accent-card { right: 12px; bottom: -12px; }
  .about-accent-card.card-top { left: 12px; top: -12px; }
  .contact-inner { grid-template-columns: 1fr; }
  .contact-form-wrap { padding: 32px 24px; }
  .form-row { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .footer-bottom-inner { flex-direction: column; text-align: center; }
  .hero { padding: 100px 0 80px; min-height: auto; }
  .hero-text h1 { font-size: clamp(2rem, 6vw, 3rem); }
}

@media (max-width: 480px) {
  .trust-inner { grid-template-columns: 1fr; }
  .hero-ctas { flex-direction: column; }
  .hero-ctas .btn { text-align: center; justify-content: center; }
  .hero-trust-badges { flex-direction: column; gap: 12px; }
  .footer-inner { grid-template-columns: 1fr; }
  .about-logo-frame { padding: 36px; }
  .about-logo-frame img { width: 160px; height: 160px; }
}