:root {
  --navy: #0C1A2B;
  --navy-2: #142235;
  --navy-3: #1a2d42;
  --gold: #C8A951;
  --gold-light: #D4B96A;
  --blue: #1976D2;
  --blue-light: #4A9FE8;
  --white: #F8FAFC;
  --off-white: #F8F7F4;
  --gray-100: #F1F5F9;
  --gray-200: #E2E8F0;
  --gray-300: #CBD5E1;
  --gray-400: #94A3B8;
  --gray-500: #64748B;
  --gray-600: #475569;
  --gray-700: #334155;
  --gray-800: #1E293B;
  --gray-900: #0F172A;
  --text-primary: #1E293B;
  --text-secondary: #475569;
  --text-tertiary: #64748B;
  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-serif: 'Playfair Display', Georgia, serif;
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 24px;
  --radius-xl: 24px;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
  --shadow-md: 0 4px 12px rgba(0,0,0,0.1);
  --shadow-lg: 0 8px 30px rgba(0,0,0,0.12);
  --shadow-xl: 0 20px 60px rgba(0,0,0,0.15);
  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html { font-size: 62.5%; -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }

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

body {
  font-family: var(--font-sans);
  font-size: 1.6rem;
  line-height: 1.6;
  color: var(--text-primary);
  background: var(--white);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

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

a { color: var(--blue); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--white); }

h1, h2, h3, h4, h5 { font-family: var(--font-serif); font-weight: 500; line-height: 1.2; color: var(--navy); }

h1 { font-size: clamp(3.6rem, 7vw, 6.4rem); font-weight: 400; letter-spacing: -0.02em; }
h2 { font-size: clamp(2.8rem, 5vw, 4.8rem); font-weight: 500; letter-spacing: -0.01em; }
h3 { font-size: clamp(2rem, 3vw, 2.8rem); font-weight: 600; }
h4 { font-size: 1.8rem; font-weight: 700; font-family: var(--font-sans); }

p { color: var(--text-secondary); }

.container { width: 100%; max-width: 1280px; margin: 0 auto; padding: 0 24px; }

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

.eyebrow {
  display: inline-block;
  font-family: var(--font-sans);
  font-size: 1.2rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.lead {
  font-size: 1.8rem;
  color: var(--text-secondary);
  max-width: 640px;
  margin: 12px auto 0;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  font-family: var(--font-sans);
  font-size: 1.5rem;
  font-weight: 600;
  border-radius: var(--radius-md);
  border: none;
  cursor: pointer;
  transition: all var(--transition);
  text-decoration: none;
  white-space: nowrap;
}

.btn-primary {
  background: rgba(12, 26, 43, 0.85);
  color: var(--white);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: none;
  transition: all var(--transition);
}
.btn-primary:hover {
  background: rgba(12, 26, 43, 0.95);
  border-color: rgba(200, 169, 81, 0.35);
  color: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md), 0 0 20px rgba(200, 169, 81, 0.15);
}

.mt-8   { margin-top: 8px; }
.mt-16  { margin-top: 16px; }
.mt-24  { margin-top: 24px; }
.mt-32  { margin-top: 32px; }
.mt-48  { margin-top: 48px; }
.mb-8   { margin-bottom: 8px; }

.nav-mobile-hamburger .nav-hamburger-icon-close {
  display: none;
}

.btn-gold {
  background: rgba(200, 169, 81, 0.4);
  color: var(--navy);
  border: 1px solid rgba(200, 169, 81, 0.5);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  transition: all 0.6s ease;
}
.btn-gold:hover {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
  border-color: transparent;
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,0.3);
}
.btn-outline:hover { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.6); color: var(--white); }

.btn-lg { padding: 18px 36px; font-size: 1.6rem; }

.nav {
  position: fixed;
  top: 1.2em;
  left: 50%;
  transform: translateX(-50%);
  z-index: 1000;
  width: max-content;
  max-width: calc(100% - 48px);
  transition: all var(--transition);
}
.nav-bar {
  display: flex;
  align-items: center;
  gap: 2px;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 999px;
  padding: 6px 8px;
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  box-shadow: 0 8px 32px rgba(0,0,0,0.3), inset 0 1px 0 rgba(255,255,255,0.08);
  transition: all var(--transition);
}
.nav.scrolled .nav-bar {
  background: rgba(12, 26, 43, 0.85);
  border: 1px solid rgba(255,255,255,0.1);
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-serif);
  font-size: clamp(1.3rem, 2vw, 1.7rem);
  font-weight: 600;
  color: var(--gold);
  text-decoration: none;
  padding: 8px 16px;
  letter-spacing: -0.02em;
  flex-shrink: 0;
  transition: color var(--transition);
}
.nav-logo img {
  height: 30px;
  width: auto;
}
.nav-cta fml-icon {
  display: none;
  font-size: 1.4rem;
}
.nav-mobile-links a fml-icon {
  display: inline-block;
  vertical-align: middle;
  flex-shrink: 0;
}
.nav-mobile-cta fml-icon {
  display: inline-block;
  vertical-align: middle;
}
.nav-sep {
  width: 1px;
  height: 24px;
  background: rgba(255, 255, 255, 0.4);
  flex-shrink: 0;
  transition: background var(--transition);
}
.nav.scrolled .nav-sep {
  background: rgba(255,255,255,0.15);
}
.nav-links {
  display: flex;
  list-style: none;
  gap: 2px;
  padding-left: 4px;
}
.nav-links a {
  display: block;
  color: var(--white);
  text-decoration: none;
  font-size: clamp(1.1rem, 1.6vw, 1.4rem);
  font-weight: 500;
  padding: 6px 12px;
  border-radius: 999px;
  transition: color 0.2s, background 0.2s;
  white-space: nowrap;
}
.nav.scrolled .nav-links a {
  color: rgba(255,255,255,0.8);
}
.nav-links a:hover {
  color: var(--white);
  background: rgba(255,255,255,0.2);
}
.nav-links a.is-active {
  color: var(--white);
  background: rgba(255, 255, 255, 0.2);
}
.nav.scrolled .nav-links a.is-active {
  color: var(--white);
  background: rgba(255, 255, 255, 0.2);
}
.nav-cta {
  padding: 8px 14px;
  border-radius: 999px;
  font-size: clamp(1.2rem, 1.5vw, 1.4rem);
  font-weight: 600;
  cursor: pointer;
  border: none;
  font-family: var(--font-sans);
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  transition: opacity 0.2s, transform 0.15s;
  flex-shrink: 0;
  box-shadow: 0 2px 8px rgba(200,169,81,0.4);
  text-decoration: none;
  white-space: nowrap;
  display: flex;
  align-items: center;
  gap: 8px;
  letter-spacing: -0.02em;
  margin-left: 6px;
}
.nav-cta:hover {
  opacity: 0.9;
  transform: scale(0.97);
  color: var(--navy);
}
.nav-mobile {
  display: none;
  position: fixed;
  top: 2.4rem;
  left: 50%;
  transform: translateX(-50%);
  z-index: 1000;
  width: max-content;
  max-width: calc(100% - 48px);
}
.nav-mobile-inner {
  display: flex;
  align-items: center;
  gap: 3px;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 999px;
  padding: 6px 10px;
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  box-shadow: 0 8px 32px rgba(0,0,0,0.3), inset 0 1px 0 rgba(255,255,255,0.08);
  transition: all var(--transition);
}
.nav-mobile.scrolled .nav-mobile-inner {
  background: rgba(12, 26, 43, 0.85);
  border: 1px solid rgba(255,255,255,0.1);
}
.nav-mobile-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-serif);
  font-size: 2rem;
  font-weight: 600;
  color: var(--gold);
  text-decoration: none;
  padding: 10px 14px;
  letter-spacing: -0.02em;
  flex-shrink: 0;
  transition: color var(--transition);
}
.nav-mobile-logo img {
  height: 34px;
  width: auto;
}
.nav-mobile-sep {
  width: 1px;
  height: 30px;
  background: rgba(255, 255, 255, 0.4);
  flex-shrink: 0;
  transition: background var(--transition);
}
.nav-mobile.scrolled .nav-mobile-sep {
  background: rgba(255,255,255,0.15);
}
.nav-mobile-links {
  display: flex;
  list-style: none;
  gap: 2px;
  padding-left: 4px;
}
.nav-mobile-links a {
  display: block;
  color: var(--white);
  text-decoration: none;
  font-size: 1.7rem;
  font-weight: 500;
  padding: 10px 18px;
  border-radius: 999px;
  transition: color 0.2s, background 0.2s;
  white-space: nowrap;
}
.nav-mobile.scrolled .nav-mobile-links a {
  color: rgba(255,255,255,0.8);
}
.nav-mobile-links a:hover {
  color: var(--white);
  background: rgba(255,255,255,0.2);
}
.nav-mobile-links a.is-active {
  color: var(--white);
  background: rgba(255, 255, 255, 0.2);
}
.nav-mobile.scrolled .nav-mobile-links a.is-active {
  color: var(--white);
  background: rgba(255, 255, 255, 0.2);
}
.nav-mobile-cta {
  padding: 10px 16px;
  border-radius: 999px;
  font-size: 1.8rem;
  font-weight: 600;
  cursor: pointer;
  border: none;
  font-family: var(--font-sans);
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  transition: opacity 0.2s, transform 0.15s;
  flex-shrink: 0;
  box-shadow: 0 2px 8px rgba(200,169,81,0.4);
  text-decoration: none;
  white-space: nowrap;
  display: flex;
  align-items: center;
  gap: 8px;
  letter-spacing: -0.02em;
  margin-left: 6px;
}
.nav-mobile-cta:hover {
  opacity: 0.9;
  transform: scale(0.97);
  color: var(--navy);
}

@media (max-width: 768px) {
  .nav { display: none; }
  .nav-mobile { display: flex; justify-content: center; }
  .nav-mobile-links a span { display: none; }
  .nav-mobile-links a { padding: clamp(0.5rem, 1.5vw, 0.8rem) clamp(0.6rem, 2vw, 1.1rem); }
  .nav-mobile-links a fml-icon { font-size: clamp(2rem, 4vw, 2.6rem); margin: 0; }
  .nav-mobile-cta span { display: none; }
  .nav-mobile-cta { padding: clamp(0.5rem, 1.5vw, 0.8rem) clamp(0.6rem, 2vw, 1.1rem); font-size: 1.6rem; }
  .nav-mobile-cta fml-icon { display: inline-block; font-size: clamp(2rem, 4vw, 2.6rem); margin: 0; }
  .nav-mobile-logo span { display: none; }
  .nav-mobile-logo img { height: clamp(2.6rem, 5vw, 3.3rem); }
  .nav-mobile-logo .nav-logo-icon { display: none; }
  .nav-mobile-hamburger { display: none; }
}
@media (max-width: 450px) {
  .nav-mobile-logo .nav-logo-desktop { display: block; height: clamp(2rem, 4vw, 2.5rem); }
  .nav-mobile-logo .nav-logo-icon { display: none; }
  .nav-mobile-links a { padding: clamp(0.4rem, 1.2vw, 0.6rem) clamp(0.5rem, 1.5vw, 0.85rem); }
  .nav-mobile-links a fml-icon { font-size: clamp(1.8rem, 3.5vw, 2.3rem); }
  .nav-mobile-cta { padding: clamp(0.4rem, 1.2vw, 0.6rem) clamp(0.6rem, 1.5vw, 0.9rem); }
  .nav-mobile-cta fml-icon { display: inline-block; font-size: clamp(1.8rem, 3.5vw, 2.3rem); }
}
@media (max-width: 350px) {
  .nav-mobile-logo .nav-logo-desktop { display: block; }
  .nav-mobile-logo .nav-logo-icon { display: none; height: clamp(1.5rem, 3vw, 1.75rem); }
  .nav-mobile-links { display: none; }
  .nav-mobile-hamburger {
    display: block;
    position: relative;
    width: clamp(1.5rem, 3.5vw, 1.9rem);
    height: clamp(1.5rem, 3.5vw, 1.9rem);
    background: none;
    border: none;
    cursor: pointer;
    padding: clamp(0.3rem, 0.8vw, 0.4rem);
    margin: 0 clamp(0.3rem, 0.8vw, 0.4rem);
  }
  .nav-mobile-hamburger .nav-hamburger-icon,
  .nav-mobile-hamburger .nav-hamburger-icon-close {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    font-size: clamp(1.5rem, 3.5vw, 1.9rem);
    color: var(--white);
    transition: opacity 0.3s;
  }
  .nav-mobile-hamburger .nav-hamburger-icon { opacity: 1; }
  .nav-mobile-hamburger .nav-hamburger-icon-close { opacity: 0; }
  .nav-mobile-hamburger.open .nav-hamburger-icon { opacity: 0; }
  .nav-mobile-hamburger.open .nav-hamburger-icon-close { opacity: 1; }
  .nav-mobile-links.open {
    display: flex;
    position: fixed;
    top: clamp(3rem, 6vw, 3.75rem);
    left: 50%;
    transform: translateX(-50%);
    flex-direction: column;
    gap: clamp(0.3rem, 0.8vw, 0.4rem);
    background: rgba(12, 26, 43, 0.95);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border-radius: 9px;
    padding: clamp(1rem, 3vw, 1.4rem) clamp(1.4rem, 4vw, 2.2rem);
    min-width: clamp(15rem, 38vw, 19rem);
    z-index: 999;
    box-shadow: 0 0.5rem 2rem rgba(0,0,0,0.4);
  }
  .nav-mobile-links.open a {
    padding: clamp(0.7rem, 2vw, 1rem) clamp(1rem, 2.5vw, 1.4rem);
    font-size: clamp(1.4rem, 3vw, 1.7rem);
    color: var(--white);
    text-decoration: none;
    border-radius: 0.5rem;
    width: 100%;
    display: flex;
    align-items: center;
  }
  .nav-mobile-links.open a span {
    display: inline;
  }
  .nav-mobile-links.open a fml-icon {
    font-size: clamp(1.5rem, 3vw, 1.8rem);
    margin-right: clamp(0.5rem, 1.5vw, 0.75rem);
    width: clamp(1.2rem, 3vw, 1.5rem);
    flex-shrink: 0;
  }
  .nav-mobile-cta {
    padding: clamp(0.4rem, 1vw, 0.5rem) clamp(0.75rem, 1.5vw, 0.875rem);
    font-size: clamp(1.2rem, 2.5vw, 1.4rem);
  }
  .nav-mobile-logo .nav-logo-icon {
    height: clamp(1.5rem, 3vw, 1.75rem);
  }
}
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}
.hero-bg {
  position: absolute;
  top: 0;
  left: 50%;
  width: 100%;
  height: 100%;
  transform: translateX(-50%);
  z-index: 0;
  overflow: hidden;
  border-radius: 0;
  transition: max-width 0.4s ease,
              border-radius 0.4s ease;
  will-change: max-width, border-radius;
}
.hero-bg video,
.hero-bg img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-bg .hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(12,26,43,0.85) 0%, rgba(12,26,43,0.6) 50%, rgba(12,26,43,0.4) 100%);
}
.hero-content {
  position: relative;
  z-index: 2;
  text-align: center;
  padding: 120px 24px 80px;
  max-width: 800px;
  margin: 0 auto;
}

@media (max-width: 900px) {
  .hero-content { padding: 100px 56px 80px; }
}

@media (max-width: 768px) {
  .hero-content { padding: 90px 64px 60px; }
}

@media (max-width: 640px) {
  .hero-content { padding: 90px 48px 50px; }
}

@media (max-width: 450px) {
  .hero-content { padding: 50px 40px 40px; }
}

@media (max-width: 350px) {
  .hero-content { padding: 50px 32px 32px; }
}

.hero h1 {
  color: var(--white);
  margin-bottom: 20px;
}
.hero h1 em {
  font-style: italic;
  color: var(--gold-light);
}
.hero-subtitle {
  font-size: clamp(1.3rem, 2.5vw, 1.8rem);
  color: rgba(255,255,255,0.8);
  margin-bottom: 32px;
  line-height: 1.6;
}
.hero-stats {
  display: flex;
  justify-content: center;
  gap: 48px;
  margin-bottom: 40px;
}
.hero-stat {
  text-align: center;
}
.hero-stat-number {
  font-family: var(--font-serif);
  font-size: 3.2rem;
  font-weight: 600;
  color: var(--gold-light);
}
.hero-stat-label {
  font-size: 1.3rem;
  color: rgba(255,255,255,0.7);
  margin-top: 4px;
}
.hero-cta-group {
  display: flex;
  gap: 12px;
  max-width: 520px;
  margin: 0 auto;
  justify-content: center;
}
.hero-cta-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--radius-lg);
  color: var(--white);
  font-size: 1.5rem;
  font-weight: 600;
  text-decoration: none;
  cursor: pointer;
  transition: all 0.3s ease;
  flex: 1;
  text-align: center;
  white-space: nowrap;
}
.hero-cta-btn:hover {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  border-color: transparent;
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(200, 169, 81, 0.35);
}
@media (max-width: 500px) {
  .hero-cta-group {
    flex-direction: column;
    max-width: 100%;
  }
}
.hero-form input {
  flex: 1;
  padding: 14px 18px;
  font-size: 1.5rem;
  font-family: var(--font-sans);
  background: transparent;
  border: none;
  outline: none;
  color: var(--white);
}
.hero-form input::placeholder { color: rgba(255,255,255,0.6); }
.hero-form button {
  padding: 14px 24px;
  font-size: 1.5rem;
  font-weight: 600;
  font-family: var(--font-sans);
  background: var(--white);
  color: var(--navy);
  border: none;
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
}
.hero-form button:hover { background: var(--gold); color: var(--navy); }

@media (max-width: 640px) {
  .hero-stats { gap: 24px; }
  .hero-stat-number { font-size: 2.4rem; }
  .hero-form { flex-direction: column; }
}

.section {
  padding: 100px 0;
  background: transparent;
}
.section-alt {
  padding: 100px 0;    
  background: var(--off-white);
}
.section-dark {
  background: var(--navy);
  color: var(--white);
}
.section-dark h2,
.section-dark h3 {
  color: var(--white);
}
.section-dark .lead {
  color: rgba(255, 255, 255, 0.7);
}
.section-dark .eyebrow {
  color: var(--gold);
}
.section-dark h2 {
  color: var(--white);
  margin-bottom: 8px;
}
.section-dark .lead--dark {
  color: rgba(255, 255, 255, 0.7);
}
.section-dark .stat-label {
  color: rgba(255, 255, 255, 0.7);
}
.section-dark h3 {
  margin-top: 24px;
}
.section-dark__title {
  color: var(--white);
  margin-bottom: 8px;
}
.mt-12 {
  margin-top: 12px;
}
.section-header {
  text-align: center;
  margin-bottom: 56px;
}

.timeline {
  position: relative;
  max-width: 720px;
  margin: 0 auto;
  padding-left: 48px;
}
.timeline::before {
  content: '';
  position: absolute;
  left: 18px;
  top: 0;
  bottom: 0;
  width: 2px;
  background: var(--gold);
}
.timeline-step {
  position: relative;
  margin-bottom: 48px;
  opacity: 0;
  transform: translateY(20px);
  transition: all 0.6s ease;
}
.timeline-step.visible {
  opacity: 1;
  transform: translateY(0);
}
.timeline-step:last-child { margin-bottom: 0; }
.timeline-marker {
  position: absolute;
  left: -48px;
  top: 0;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.1);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1.4rem;
  transition: all var(--transition);
  border: 1px solid rgba(255, 255, 255, 0.2);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
}
.timeline-step.visible .timeline-marker {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.timeline-content {
  background: var(--white);
  padding: 24px;
  border-radius: var(--radius-lg);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
}
.timeline-content:hover {
  background: var(--white);
  backdrop-filter: blur(30px);
  -webkit-backdrop-filter: blur(30px);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}
.timeline-content .step-num {
  font-size: 1.2rem;
  font-weight: 600;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.timeline-content h3 {
  margin: 8px 0 12px;
  color: var(--navy);
}
.timeline-content p {
  margin: 0;
  color: var(--text-secondary);
}
.timeline-content p a {
  color: inherit;
  text-decoration: none;
  transition: color 0.2s ease;
}
.timeline-content p a:hover {
  color: var(--gold);
}

.cards-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
@media (max-width: 768px) {
  .cards-2 { grid-template-columns: 1fr; }
}
.cards-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
@media (max-width: 768px) {
  .cards-3 { grid-template-columns: 1fr; }
}
.feature-card {
  background: var(--gray-100);
  padding: 32px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
  transform: translateY(20px);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}
.feature-card.visible {
  opacity: 1;
  transform: translateY(0);
}
.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  backdrop-filter: blur(30px);
  -webkit-backdrop-filter: blur(30px);
}
.feature-card h3 {
  margin-bottom: 12px;
  color: var(--navy);
  align-self: flex-start;
  text-align: left;
  width: 100%;
}
.feature-card p {
  color: var(--text-secondary);
  flex: 1;
  text-align: left;
  width: 100%;
}
.feature-card--about-me {
  display: block;
  flex-direction: column;
  align-items: flex-start;
  text-align: left;
}

.feature-card--about-me h3 {
  text-align: left;
  margin-bottom: 4px;
  width: auto;
}

.feature-card--about-me .team-role {
  text-align: left;
  margin-bottom: 16px;
  width: auto;
}

.feature-card--about-me p {
  margin-top: 0;
  text-align: left;
  width: auto;
  flex: none;
}

.feature-card--about-me .team-photo--float {
  float: left;
  margin: 0 24px 16px 0;
}

.feature-card--about-me .team-photo--float-group {
  float: left;
  margin: 0 24px 16px 0;
}

.feature-card--about-me p:last-child::after {
  content: "";
  display: table;
  clear: both;
}

.feature-card .feature-icon {
  align-self: flex-start;
  margin-left: 0;
  margin-top: 0;
}
.feature-card .btn {
  max-width: 300px;
}
.feature-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, var(--navy), var(--navy-2));
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.feature-icon i {
  font-size: 1.8rem;
  color: var(--gold);
}
.team-bio {
  align-items: flex-start;
  text-align: justify;
}

.team-photo {
  width: 160px;
  height: 160px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.4);
  margin-bottom: 0;
  overflow: hidden;
  flex-shrink: 0;
}

.team-photo--float {
  float: left;
  margin: 0 24px 16px 0;
}

.team-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 50% 30%;
  display: block;
}

.team-photo--large {
  width: 160px;
  height: 160px;
}

.about-me-text {
}

.team-photo--float-group {
  margin-top: 0;
}

.team-photo--float-group img {
  object-position: 50% 50%;
}

.team-role {
  color: var(--gold);
  font-weight: 600;
  font-size: clamp(1.5rem, 2vw, 1.9rem);
  margin-bottom: 8px;
}

.team-bio h3 {
  font-size: clamp(2.2rem, 3vw, 3rem);
}

.team-bio .team-role {
  color: var(--gold);
}

.team-bio p:last-of-type {
  text-align: left;
  width: 100%;
}

.stats-row {
  display: flex;
  justify-content: center;
  gap: 64px;
  flex-wrap: wrap;
  padding-top: 24px;
}
.stat {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  min-height: 120px;
  gap: 0;
  text-align: center;
}
.stat-number {
  flex: 1;
  display: flex;
  justify-content: center;
  align-items: center;
  font-family: var(--font-serif);
  font-size: 4.8rem;
  font-weight: 600;
  color: var(--gold);
  line-height: 1;
}
.stat-label {
  font-size: 1.5rem;
  color: rgba(255, 255, 255, 0.7);
  margin-top: 8px;
}
.stat--stars .stat-number {
  letter-spacing: -0.02em;
}
@media (max-width: 640px) {
  .stats-row { gap: 32px; }
  .stat-number { font-size: 3.2rem; }
  .stat--stars .stat-number { font-size: 2.8rem; }
}

.tabs {
  max-width: 800px;
  margin: 0 auto;
}
.tab-header {
  margin: auto;
  max-width: 500px;
  display: flex;
  gap: 4px;
  background: var(--gray-100);
  border-radius: 999px;
  box-shadow: var(--shadow-xl);
  padding: 4px;
  margin-bottom: 32px;
  position: relative;
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
}
.tab-btn {
  position: relative;
  z-index: 2;
  flex: 1;
  padding: 12px 20px;
  font-family: var(--font-sans);
  font-size: 1.4rem;
  font-weight: 600;
  color: var(--gray-600);
  background: transparent;
  border: none;
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: color 0.3s ease;
  white-space: nowrap;
}
.tab-btn.active { color: var(--navy); }
.tab-indicator {
  position: absolute;
  top: 4px;
  left: 0;
  height: calc(100% - 8px);
  background: rgba(200, 169, 81, 0.2);
  border-radius: 999px;
  border: 1px solid rgba(200, 169, 81, 0.3);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  box-shadow: var(--shadow-sm), 0 0 10px rgba(200, 169, 81, 0.1);
  transition: transform 0.35s ease, width 0.35s ease;
  z-index: 1;
}
.tab-panel {
  display: none;
  animation: fadeIn 0.4s ease;
}
.tab-panel.active {
  display: block;
  background: var(--gray-100);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  padding: 30px 50px;
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
}
.tab-panel .icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, var(--navy), var(--navy-2));
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}
.tab-panel .icon i { font-size: 1.8rem; color: var(--gold); }
.tab-panel h3 { margin-bottom: 12px; color: var(--navy); }
.tab-panel p { color: var(--text-secondary); }
.tab-panel ul {
  list-style: none;
  margin-top: 16px;
}
.tab-panel ul li {
  padding: 8px 0;
  color: var(--text-secondary);
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
.tab-panel.active li {
  animation: tabItemSlide 0.5s cubic-bezier(0.34, 1.56, 0.64, 1) both;
}
.tab-panel.active li:nth-child(1) { animation-delay: 0.1s; }
.tab-panel.active li:nth-child(2) { animation-delay: 0.2s; }
.tab-panel.active li:nth-child(3) { animation-delay: 0.3s; }
.tab-panel.active li:nth-child(4) { animation-delay: 0.4s; }
.tab-panel.active li:nth-child(5) { animation-delay: 0.5s; }
.tab-panel.active li:nth-child(6) { animation-delay: 0.6s; }
@keyframes tabItemSlide {
  0%   { opacity: 0; transform: translateX(-15px); }
  100% { opacity: 1; transform: translateX(0); }
}
.tab-panel ul li i {
  color: var(--gold);
  margin-top: 4px;
  flex-shrink: 0;
}
.tab-panel ul li strong { color: var(--navy); }
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}
@media (max-width: 500px) {
  .tab-header {
    flex-wrap: wrap;
    overflow-x: auto;
    scroll-snap-type: x mandatory;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
  }
  .tab-header::-webkit-scrollbar { display: none; }
  .tab-btn { flex: 1 1 33%; padding: 10px 8px; font-size: 1.3rem; scroll-snap-align: center; }
  .tab-btn.active { background: rgba(200, 169, 81, 0.2); border-radius: 8px 8px 0 0; border: 1px solid rgba(200, 169, 81, 0.3); backdrop-filter: blur(20px); -webkit-backdrop-filter: blur(20px); }
  .tab-indicator { display: none; }
}

.enrollment-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
@media (max-width: 768px) {
  .enrollment-grid { grid-template-columns: 1fr; }
}
.enrollment-card {
  background: var(--gray-100);
  padding: 28px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  text-align: center;
  transition: all var(--transition);
  opacity: 0;
  transform: translateY(20px);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  display: flex;
  flex-direction: column;
  align-items: center;
}
.enrollment-card.visible {
  opacity: 1;
  transform: translateY(0);
}
.enrollment-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  backdrop-filter: blur(30px);
  -webkit-backdrop-filter: blur(30px);
}
.enrollment-card h3 {
  color: var(--navy);
}
.enrollment-card p {
  color: var(--text-secondary);
  flex: 1;
}
.enrollment-card .tag {
  display: inline-block;
  padding: 4px 12px;
  background: var(--navy);
  color: var(--white);
  font-size: 1.2rem;
  font-weight: 600;
  border-radius: var(--radius-sm);
  margin-bottom: 16px;
}
.enrollment-card h3 {
  margin-bottom: 12px;
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  max-width: 1100px;
  margin: 0 auto;
  width: 100%;
}
.contact-info {
  background: var(--white);
  padding: 40px;
  border-radius: var(--radius-lg);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  box-shadow: var(--shadow-sm);
}
.contact-info h3 {
  margin-bottom: 24px;
  font-size: 2rem;
}
.btn-center {
  text-align: center;
  display: block;
  margin-top: 24px;
}
.contact-line {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 20px;
  font-size: 1.5rem;
}
.contact-line i {
  width: 20px;
  color: var(--gold);
  flex-shrink: 0;
  margin-top: 4px;
  font-size: 1.8rem;
}
.contact-line strong {
  color: var(--navy);
  display: block;
  margin-bottom: 0px;
}
.contact-line a {
  color: var(--navy);
  word-break: break-all;
}
.contact-line a:hover {
  color: var(--gold);
}
.contact-map {
  display: flex;
  flex-direction: column;
  gap: 16px;
  border-radius: var(--radius-lg);
  min-height: 350px;
}
.review-card {
  background: var(--white);
  padding: 24px;
  border-radius: var(--radius-lg);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
  opacity: 0;
  transform: translateY(20px);
}
.review-card.visible {
  opacity: 1;
  transform: translateY(0);
}
.review-card:hover {
  background: var(--white);
  backdrop-filter: blur(30px);
  -webkit-backdrop-filter: blur(30px);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}
.review-stars {
  color: var(--gold);
  font-size: 1.8rem;
  margin-bottom: 12px;
  letter-spacing: 2px;
}
.review-text {
  font-size: 1.5rem;
  color: var(--text-secondary);
  line-height: 1.6;
  margin-bottom: 16px;
  font-style: italic;
}
.review-author {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.review-author strong {
  color: var(--navy);
  font-size: 1.4rem;
}
.review-author span {
  color: var(--text-tertiary);
  font-size: 1.3rem;
}
.review-cta {
  display: block;
  text-align: center;
  padding: 14px 24px;
  font-size: 1.4rem;
  font-weight: 600;
  color: var(--navy);
  background: rgba(200, 169, 81, 0.8);
  border: 1px solid rgba(200, 169, 81, 0.3);
  border-radius: var(--radius-md);
  text-decoration: none;
  transition: all var(--transition);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
}
.review-cta:hover {
  background: rgba(200, 169, 81, 0.35);
  border-color: var(--gold);
  color: var(--navy);
  transform: translateY(-1px);
  box-shadow: var(--shadow-sm);
}

@media (max-width: 768px) {
  .contact-grid { grid-template-columns: 1fr; }
  .contact-info { padding: 24px; }
  .contact-map { min-height: auto; }
  .review-card { padding: 20px; }
}

.faq-list {
  max-width: 720px;
  margin: 0 auto;
}
.faq-item {
  border-bottom: 1px solid var(--gray-200);
}
.faq-q {
  width: 100%;
  padding: 20px 0;
  font-family: var(--font-sans);
  font-size: 1.6rem;
  font-weight: 600;
  color: var(--text-primary);
  background: transparent;
  border: none;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  text-align: left;
}
.faq-q i {
  transition: transform var(--transition);
  color: var(--gold);
}
.faq-item.open .faq-q i {
  transform: rotate(180deg);
}
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}
.faq-item.open .faq-a {
  max-height: 300px;
}
.faq-a > div {
  padding-bottom: 20px;
  color: var(--text-secondary);
}
.faq-a a {
  color: var(--gold);
  text-decoration: underline;
  text-underline-offset: 3px;
}
.faq-a a:hover {
  color: var(--gold);
  opacity: 0.8;
}

.footer {
  position: relative;
  background: linear-gradient(180deg, var(--white) 0%, var(--gray-200) 30%, var(--navy) 100%);
  padding: 80px 0 0;
  margin: 0;
}
@media (max-width: 768px) {
  .footer {
    padding: 80px 0 100px 0;
  }
}
.footer-content {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}
.footer-cta {
  text-align: center;
  padding: 60px 0;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-cta h2 {
  color: var(--navy);
  margin-bottom: 24px;
  font-size: clamp(4.7rem, 6vw, 7.5rem);
}
.footer-cta h2 em {
  font-style: italic;
  color: var(--gold-light);
}
.footer-links {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 40px;
  padding: 40px 0;
}
@media (max-width: 640px) {
  .footer-links { grid-template-columns: 1fr; gap: 24px; }
}
.footer-col h4 {
  color: var(--white);
  font-size: 1.4rem;
  font-weight: 600;
  margin-bottom: 16px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.footer-brand {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 12px;
}
.footer-logo-img {
  width: auto;
  height: 70px;
}
.footer-social {
  display: flex;
  gap: 12px;
  margin-top: 8px;
}
.footer-social a {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: transparent;
  border: 1px solid var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 1.6rem;
  transition: all var(--transition);
}
.footer-social a:hover {
  background: transparent;
  border-color: var(--white);
  color: var(--white);
  transform: scale(1.15);
  box-shadow: none;
}

a[aria-label="Facebook"]:hover {
  color: #1877F2 !important;
  border-color: #1877F2 !important;
}
a[aria-label="Instagram"]:hover {
  color: #E4405F !important;
  border-color: #E4405F !important;
}
a[aria-label="YouTube"]:hover {
  color: #FF0000 !important;
  border-color: #FF0000 !important;
}
a[aria-label="LinkedIn"]:hover {
  color: #0A66C2 !important;
  border-color: #0A66C2 !important;
}

.social-follow a[aria-label="Facebook"],
.social-follow a[aria-label="Instagram"],
.social-follow a[aria-label="YouTube"],
.social-follow a[aria-label="LinkedIn"] {
  width: 48px !important;
  height: 48px !important;
  font-size: 2rem !important;
  transition: all 0.3s;
}
.social-follow a[aria-label="Facebook"]:hover,
.social-follow a[aria-label="Instagram"]:hover,
.social-follow a[aria-label="YouTube"]:hover {
  transform: scale(1.15);
}
.footer-col ul {
  list-style: none;
}
.footer-col ul li {
  margin-bottom: 10px;
}
.footer-col ul li a {
  color: var(--white);
  font-size: 1.4rem;
  transition: color var(--transition);
}
.footer-col ul li a:hover {
  color: var(--navy);
}
.footer-bottom {
  padding: 24px 0;
  border-top: 1px solid rgba(255,255,255,0.1);
  text-align: center;
}
.footer-bottom p {
  color: rgba(255,255,255,0.5);
  font-size: 1.3rem;
}
.footer-watermark {
  width: 100%;
  overflow: hidden;
  height: 260px;
  transform: translateZ(0);
}
.footer-watermark svg {
  width: 100%;
  height: 100%;
  display: block;
}
@media (max-width: 768px) {
  .footer-watermark {
    height: 130px;
  }
  body.effect-complete .footer {
    padding-bottom: 70px;
  }
}

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

.lm-page .nav .nav-bar,
.lm-page .nav-mobile .nav-mobile-inner {
  background: rgba(12, 26, 43, 0.85);
  border-color: rgba(255,255,255,0.1);
}

.lm-hero {
  background: linear-gradient(180deg, var(--navy) 0%, var(--navy-2) 100%);
  padding: 120px 0 100px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.lm-hero h1 {
  color: var(--white);
  font-size: clamp(3rem, 6vw, 5rem);
  margin-bottom: 16px;
}
.lm-hero h1 em {
  color: var(--gold-light);
  font-style: italic;
}
.lm-hero .btn-gold {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border: none;
}
.lm-hero .btn-gold:hover {
  transform: translateY(-3px);
  box-shadow: 0 10px 32px rgba(200, 169, 81, 0.4);
}
.lm-hero .lead {
  color: rgba(255,255,255,0.8);
  max-width: 600px;
  margin: 0 auto 32px;
  font-size: 1.8rem;
}
.lm-hero .eyebrow {
  color: var(--gold);
}

.mistake-card {
  background: rgba(12, 26, 43, 0.92);
  border: 1px solid rgba(12, 26, 43, 0.4);
  border-radius: var(--radius-lg);
  padding: 36px;
  margin-bottom: 24px;
  display: flex;
  gap: 28px;
  align-items: flex-start;
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  transition: all var(--transition);
}
.mistake-card:hover {
  background: rgba(12, 26, 43, 0.96);
  border-color: rgba(200, 169, 81, 0.4);
}
.mistake-number {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  font-size: 3.5rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-family: var(--font-serif);
}
.mistake-content h3 {
  color: var(--white);
  font-size: 2.6rem;
  font-weight: 700;
  margin-bottom: 10px;
  letter-spacing: -0.01em;
}
.mistake-content p {
  color: rgba(255,255,255,0.78);
  font-size: 1.65rem;
  line-height: 1.65;
  margin: 0;
}
.mistake-content .highlight {
  color: var(--gold-light);
  font-weight: 600;
}

.capture-section {
  background: var(--navy);
  padding: 80px 20px;
  text-align: center;
}
.capture-section h2 {
  color: var(--white);
  font-size: clamp(2.8rem, 5vw, 4rem);
  margin-bottom: 12px;
}
|.capture-section .lead {
  color: rgba(255,255,255,0.8);
  margin-bottom: 32px;
}

.trust-strip {
  background: var(--gray-100);
  padding: 32px 0;
  text-align: center;
}
.trust-strip p {
  color: var(--text-tertiary);
  font-size: 1.4rem;
  margin-bottom: 16px;
}
.trust-logos {
  display: flex;
  justify-content: center;
  gap: 32px;
  flex-wrap: wrap;
}
.trust-logos span {
  color: var(--gray-400);
  font-size: 1.3rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

@media (max-width: 600px) {
  .mistake-card {
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 24px;
  }
}

.lm-page .lm-container {
  max-width: 800px;
}

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

.legal-card { max-width: 1000px; margin: 0 auto; }
.legal-card h1 { margin-bottom: 8px; }
.legal-card__title { margin-bottom: 8px; }
.legal-date { color: var(--text-tertiary); margin-bottom: 24px; }
.legal-intro { margin-bottom: 16px; }
.legal-body { display: flex; flex-direction: column; gap: 24px; }
.back-wrap { margin-top: 24px; }

.not-found-section { min-height: 100vh; display: flex; align-items: center; justify-content: center; }
.not-found-card { max-width: 500px; margin: 0 auto; }
.not-found-number { font-size: 6rem; font-weight: 700; color: var(--navy); margin-bottom: 16px; }
.not-found-heading { margin-bottom: 16px; }
.not-found-text { margin-bottom: 24px; }
.not-found-btns { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }

.scroll-fade {
  opacity: 1;
  transform: translateY(24px);
  transition: all 0.6s ease;
}
.scroll-fade.visible {
  opacity: 1;
  transform: translateY(0);
}

.mobile-cta {
  position: fixed;
  bottom: 16px;
  left: 16px;
  right: 16px;
  padding: 0;
  background: transparent;
  border: none;
  border-radius: 0;
  backdrop-filter: none;
  box-shadow: none;
  z-index: 999;
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.4s ease, transform 0.4s ease;
  pointer-events: none;
}
.mobile-cta .btn {
  width: 100%;
  background: rgba(12, 26, 43, 0.9);
  color: var(--gold);
  border: 1px solid var(--gold);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  box-shadow: 0 4px 20px rgba(0,0,0,0.3);
  border-radius: 999px;
}
.mobile-cta .btn:hover { background: rgba(12, 26, 43, 0.95); }
@media (max-width: 768px) {
  body.effect-complete .mobile-cta {
    opacity: 1;
    transform: translateY(0);
    pointer-events: auto;
  }
  body.effect-complete { padding-bottom: 0; }
}

.subpage-nav.nav .nav-bar,
.subpage-nav.nav-mobile .nav-mobile-inner {
  background: rgba(12, 26, 43, 0.85);
  border-color: rgba(255, 255, 255, 0.1);
}

    #medicare .tab-list-2col {
      display: grid;
      grid-template-columns: 1fr;
      gap: 12px 24px;
      margin-top: 12px;
    }
    #medicare .tab-list-2col ul {
      list-style: none;
      padding: 0;
      margin: 0;
      display: contents;
    }
    #medicare .tab-list-2col li {
      list-style: none;
      display: flex;
      gap: 10px;
      align-items: flex-start;
      padding: 0;
      margin: 0;
      line-height: 1.5;
    }
    #medicare .tab-list-2col li strong {
      display: block;
      font-size: 1.7rem;
      color: var(--navy);
      font-weight: 600;
    }
    #medicare .tab-list-2col li span {
      display: flex;
      flex-direction: column;
      font-size: 1.5rem;
      color: var(--text-secondary);
      line-height: 1.5;
    }

.quote-step{display:none;animation:fadeSlideIn .4s ease}
.quote-step.active{display:block}
@keyframes fadeSlideIn{from{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}
.step-progress{display:flex;gap:6px;margin-bottom:28px}
.step-progress .bar{flex:1;height:5px;background:var(--gray-200);border-radius:4px;overflow:hidden}
.step-progress .bar.fill{background:var(--gold)}
.step-number{font-size:1.1rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:var(--blue);margin-bottom:10px}
.step-question{font-size:clamp(2.2rem,4vw,2.8rem);font-weight:800;color:var(--navy);margin-bottom:6px;line-height:1.2}
.step-sub{font-size:1.5rem;color:var(--text-secondary);margin-bottom:24px}
.options-grid{display:flex;flex-direction:column;gap:10px;margin-bottom:24px}
.option-card{display:flex;align-items:center;gap:14px;padding:18px 20px;background:rgba(203,213,225,.1);border:2px solid rgba(203,213,225,.3);border-radius:var(--radius-lg);cursor:pointer;transition:all .2s ease;font-size:1.6rem;font-weight:600;color:var(--navy);text-align:left;font-family:inherit;width:100%}
.option-card:hover{border-color:var(--gold);background:rgba(200,169,81,.1)}
.option-card.selected{border-color:var(--gold);background:rgba(200,169,81,.15)}
.option-card .radio{width:22px;height:22px;border-radius:50%;border:2px solid var(--gray-300);flex-shrink:0;display:flex;align-items:center;justify-content:center;transition:all .2s ease}
.option-card.selected .radio{border-color:var(--gold);background:var(--gold)}
.option-card.selected .radio::after{content:'';width:8px;height:8px;border-radius:50%;background:var(--white)}
.text-input{width:100%;padding:18px 16px;border:2px solid var(--gray-200);border-radius:var(--radius-lg);font-size:1.6rem;font-family:inherit;margin-bottom:16px;transition:border-color .2s ease}
.text-input:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(200,169,81,.15)}
.input-row{display:flex;gap:12px;margin-bottom:0}
.input-row .text-input{margin-bottom:0}
.continue-btn{display:block;width:100%;padding:18px;background:var(--gold);color:var(--navy);font-weight:700;font-size:1.7rem;border:none;border-radius:999px;cursor:pointer;transition:all .2s ease;font-family:inherit}
.continue-btn:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(200,169,81,.4)}
.continue-btn:disabled{background:var(--gray-300);color:var(--gray-500);cursor:not-allowed;transform:none;box-shadow:none}
.back-btn{display:block;margin:16px auto 0;background:none;border:none;color:var(--blue);font-weight:600;font-size:1.4rem;cursor:pointer;font-family:inherit;padding:8px 16px}
.back-btn:hover{text-decoration:underline}
.consent-text{font-size:1.1rem;color:var(--text-tertiary);text-align:center;margin-top:16px;line-height:1.5}
.thank-you{text-align:center}
.thank-you .emoji{font-size:6rem;margin-bottom:16px}
.thank-you h2{font-size:clamp(2.4rem,4vw,3.2rem);margin-bottom:12px;color:var(--navy)}
.thank-you p{font-size:1.6rem;color:var(--text-secondary);margin-bottom:8px}
.cal-section{text-align:center;margin-top:32px;padding-top:24px;border-top:1px solid var(--gray-200)}
.cal-section p{font-size:1.4rem;color:var(--text-tertiary);margin-bottom:16px}
@media(max-width:500px){.step-question{font-size:2.2rem}.page-wrap{padding:20px 16px}}

 .refer-form {
 display: flex;
 flex-direction: column;
 gap: 12px;
 }

 .refer-form .field {
 text-align: left;
 }

 .refer-form label {
 display: block;
 font-size: 1.3rem;
 font-weight: 600;
 color: var(--navy);
 margin-bottom: 6px;
 letter-spacing: 0.01em;
 }

 .refer-form label .req-star {
 color: #e74c3c;
 font-weight: 700;
 }

 .refer-form .input-wrap {
 position: relative;
 }

 .refer-form input,
 .refer-form textarea {
 width: 100%;
 padding: 16px 20px;
 padding-right: 56px;
 background: rgba(255, 255, 255, 0.95);
 border: 2px solid var(--gray-200);
 border-radius: var(--radius-md);
 font-size: 1.5rem;
 font-family: var(--font-sans);
 color: var(--navy);
 transition: all 0.25s ease;
 box-shadow: 0 1px 3px rgba(0,0,0,0.04);
 }

 .refer-form input::placeholder,
 .refer-form textarea::placeholder {
 color: var(--gray-400);
 }

 .refer-form input:focus,
 .refer-form textarea:focus {
 outline: none;
 border-color: var(--gold);
 box-shadow: 0 0 0 3px rgba(200, 169, 81, 0.12);
 background: #fff;
 }

 .refer-form input.valid {
   border-color: #2ecc71;
 }

 .refer-form input.invalid {
   border-color: #e74c3c;
 }

 .refer-form textarea.valid {
   border-color: #2ecc71;
 }

 .refer-form .icon-status {
   position: absolute;
   right: 14px;
   top: 50%;
   transform: translateY(-50%);
   font-size: 1.5rem;
   opacity: 0;
   transition: opacity 0.25s ease;
   pointer-events: none;
   z-index: 5;
 }

 .refer-form input.valid ~ .icon-status.valid {
 opacity: 1;
 color: #2ecc71;
 }

 .refer-form input.invalid ~ .icon-status.invalid {
 opacity: 1;
 color: #e74c3c;
 }

 .refer-form .error-msg {
 font-size: 1.15rem;
 color: #e74c3c;
 margin-top: 5px;
 opacity: 0;
 transform: translateY(-4px);
 transition: all 0.25s ease;
 min-height: 0;
 }

 .refer-form input.invalid ~ .error-msg {
 opacity: 1;
 transform: translateY(0);
 min-height: 1.4em;
 }

 .refer-form .row-2 {
 display: flex;
 gap: 12px;
 }

 .refer-form .row-2 > div {
 flex: 1;
 }

 .refer-form .consent-label {
 display: flex;
 align-items: flex-start;
 gap: 10px;
 font-size: 1.3rem;
 color: var(--text-secondary);
 cursor: pointer;
 line-height: 1.5;
 }

 .refer-form .consent-label input[type="checkbox"] {
 width: 18px;
 height: 18px;
 margin-top: 2px;
 accent-color: var(--gold);
 flex-shrink: 0;
 }

 .refer-form .submit-btn {
 display: inline-flex;
 align-items: center;
 justify-content: center;
 gap: 8px;
 padding: 16px 48px;
 background: linear-gradient(135deg, var(--gold), var(--gold-light));
 color: var(--navy);
 font-size: 1.6rem;
 font-weight: 700;
 border: none;
 border-radius: 999px;
 cursor: pointer;
 transition: all 0.3s ease;
 font-family: var(--font-sans);
 letter-spacing: 0.01em;
 position: relative;
 overflow: hidden;
 margin: 0 auto;
 }

 .refer-form .submit-btn-wrap {
 text-align: center;
 }

 .refer-form .submit-btn:hover {
 transform: translateY(-2px);
 box-shadow: 0 8px 28px rgba(200, 169, 81, 0.35);
 }

 .refer-form .submit-btn:active {
 transform: translateY(0);
 }

 .refer-form .submit-btn:disabled {
 opacity: 0.5;
 cursor: not-allowed;
 transform: none;
 box-shadow: none;
 }

 .refer-form .privacy-note {
 font-size: 1.2rem;
 color: var(--text-tertiary);
 text-align: center;
 line-height: 1.5;
 }

 @media (max-width: 500px) {
 .refer-form .row-2 {
 flex-direction: column;
 gap: 20px;
 }
 }

  .tabs .tab-header {
    max-width: 700px;
  }

  @media (max-width: 600px) {
    .tabs .tab-header {
      max-width: 100%;
      border-radius: 16px;
    }
    .tabs .tab-btn {
      flex: 1 1 33%;
      padding: 8px 6px;
      font-size: 1.2rem;
    }
  }

  .tab-list-2col {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px 24px;
    margin-top: 12px;
  }
  .tab-list-2col ul {
    list-style: none;
    padding: 0;
    margin: 0;
    display: contents;
  }
  .tab-list-2col li {
    list-style: none;
    display: flex;
    gap: 10px;
    align-items: flex-start;
    padding: 0;
    margin: 0;
    line-height: 1.5;
  }
  .tab-list-2col li strong {
    display: block;
    font-size: 1.7rem;
    color: var(--navy);
    font-weight: 600;
  }
  .tab-list-2col li span {
    display: flex;
    flex-direction: column;
    font-size: 1.5rem;
    color: var(--text-secondary);
    line-height: 1.5;
  }
  @media (max-width: 800px) {
    .tab-list-2col {
      grid-template-columns: 1fr;
    }
  }

 .lm-hero {
 background: linear-gradient(180deg, var(--navy) 0%, var(--navy-2) 100%);
 padding: 120px 0 100px;
 text-align: center;
 position: relative;
 overflow: hidden;
 }
 .lm-hero h1 {
 color: var(--white);
 font-size: clamp(3rem, 6vw, 5rem);
 margin-bottom: 16px;
 }
 .lm-hero h1 em {
 color: var(--gold-light);
 font-style: italic;
 }
 .lm-hero .btn-gold {
 background: linear-gradient(135deg, var(--gold), var(--gold-light));
 border: none;
 }
 .lm-hero .btn-gold:hover {
 transform: translateY(-3px);
 box-shadow: 0 10px 32px rgba(200, 169, 81, 0.4);
 }
 .lm-hero .lead {
 color: rgba(255,255,255,0.8);
 max-width: 600px;
 margin: 0 auto 32px;
 font-size: 1.8rem;
 }
 .lm-hero .eyebrow {
 color: var(--gold);
 }

 .mistake-card {
 background: rgba(12, 26, 43, 0.92);
 border: 1px solid rgba(12, 26, 43, 0.4);
 border-radius: var(--radius-lg);
 padding: 36px;
 margin-bottom: 24px;
 display: flex;
 gap: 28px;
 align-items: flex-start;
 backdrop-filter: blur(20px);
 -webkit-backdrop-filter: blur(20px);
 transition: all var(--transition);
 }
 .mistake-card:hover {
 background: rgba(12, 26, 43, 0.96);
 border-color: rgba(200, 169, 81, 0.4);
 }
 .mistake-number {
 width: 72px;
 height: 72px;
 border-radius: 50%;
 background: linear-gradient(135deg, var(--gold), var(--gold-light));
 color: var(--navy);
 font-size: 3.5rem;
 font-weight: 800;
 display: flex;
 align-items: center;
 justify-content: center;
 flex-shrink: 0;
 font-family: var(--font-serif);
 }
 .mistake-content h3 {
 color: var(--white);
 font-size: 2.6rem;
 font-weight: 700;
 margin-bottom: 10px;
 letter-spacing: -0.01em;
 }
 .mistake-content p {
   color: rgba(255,255,255,0.78);
   font-size: 1.65rem;
   line-height: 1.65;
   margin: 0;
 }

   .capture-form {
     max-width: 480px;
     margin: 0 auto;
     display: flex;
     flex-direction: column;
     gap: 16px;
   }
   .capture-form .input-wrap {
     position: relative;
   }
   .capture-form input {
     width: 100%;
     padding: 14px 48px 14px 16px;
     background: rgba(255, 255, 255, 0.95);
     border: 2px solid var(--gray-200);
     border-radius: var(--radius-md);
     font-size: 1.5rem;
     font-family: var(--font-sans);
     color: var(--navy);
     transition: all 0.25s ease;
     box-shadow: 0 1px 3px rgba(0,0,0,0.04);
     position: relative;
     z-index: 1;
   }
   .capture-form input::placeholder {
     color: var(--gray-400);
   }
   .capture-form input:focus {
     outline: none;
     border-color: var(--gold);
     box-shadow: 0 0 0 3px rgba(200, 169, 81, 0.12);
     background: #fff;
   }
   .capture-form input.valid {
     border-color: #2ecc71;
   }
   .capture-form input.invalid {
     border-color: #e74c3c;
   }
   .capture-form .icon-status {
     position: absolute;
     right: 14px;
     top: 50%;
     transform: translateY(-50%);
     font-size: 1.5rem;
     opacity: 0;
     transition: opacity 0.25s ease;
     pointer-events: none;
     z-index: 5;
   }
   .capture-form input.valid ~ .icon-status.valid {
     opacity: 1 !important;
     color: #2ecc71 !important;
   }
   .capture-form input.invalid ~ .icon-status.invalid {
     opacity: 1 !important;
     color: #e74c3c !important;
   }
   .capture-form .error-msg {
     font-size: 1.15rem;
     color: #e74c3c;
     margin-top: 5px;
     opacity: 0;
     transform: translateY(-4px);
     transition: all 0.25s ease;
     min-height: 0;
   }
   .capture-form input.invalid ~ .error-msg {
     opacity: 1;
     transform: translateY(0);
     min-height: 1.4em;
   }
   .capture-form .submit-btn {
     margin-top: 8px;
   }