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

:root {
  --navy: #0d1e35;
  --navy-mid: #162c4a;
  --navy-light: #1f3d65;
  --gold: #b8922a;
  --gold-light: #d4aa44;
  --gold-pale: #f5edda;
  --cream: #f8f5ef;
  --text: #1a1a1a;
  --text-mid: #4a4a4a;
  --text-light: #767676;
  --border: rgba(0,0,0,0.09);
  --white: #ffffff;
}

html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'DM Sans', sans-serif;
  font-weight: 400;
  color: var(--text);
  background: var(--white);
  line-height: 1.7;
  overflow-x: hidden;
}

/* ─── NAV ─── */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 200;
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 48px; height: 76px;
  background: rgba(13,30,53,0.98);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(184,146,42,0.18);
}
.nav-brand { display: flex; align-items: center; gap: 14px; text-decoration: none; }
.nav-logo {
  width: 42px; height: 42px; background: var(--gold);
  border-radius: 5px; display: flex; align-items: center; justify-content: center;
  font-family: 'Fraunces', serif; font-size: 19px; font-weight: 600; color: var(--navy); flex-shrink: 0;
}
.nav-name { font-family: 'Fraunces', serif; font-size: 16px; font-weight: 300; color: var(--white); line-height: 1.25; }
.nav-name small {
  display: block; font-family: 'DM Sans', sans-serif; font-size: 10px; font-weight: 400;
  color: var(--gold-light); letter-spacing: 0.18em; text-transform: uppercase; margin-bottom: 3px;
}
.nav-links { display: flex; align-items: center; gap: 36px; list-style: none; }
.nav-links a {
  font-size: 12px; font-weight: 400; color: rgba(255,255,255,0.65); text-decoration: none;
  letter-spacing: 0.08em; text-transform: uppercase; transition: color 0.2s;
}
.nav-links a:hover, .nav-links a.active { color: var(--gold-light); }
.nav-links .nav-cta {
  background: var(--gold); color: var(--navy) !important; padding: 11px 22px;
  border-radius: 4px; font-weight: 500; transition: background 0.2s !important; letter-spacing: 0.04em;
}
.nav-links .nav-cta:hover { background: var(--gold-light); }

/* ─── INNER PAGE HERO ─── */
.page-hero {
  padding: 140px 48px 80px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  position: relative; overflow: hidden;
}
.page-hero-grid {
  position: absolute; inset: 0; pointer-events: none;
  background-image:
    linear-gradient(rgba(184,146,42,0.07) 1px, transparent 1px),
    linear-gradient(90deg, rgba(184,146,42,0.07) 1px, transparent 1px);
  background-size: 72px 72px;
}
.page-hero-inner { max-width: 1200px; margin: 0 auto; }
.page-eyebrow {
  font-size: 10px; font-weight: 500; letter-spacing: 0.22em;
  text-transform: uppercase; color: var(--gold); margin-bottom: 16px;
}
.page-hero h1 {
  font-family: 'Fraunces', serif; font-size: 52px; font-weight: 300; line-height: 1.1;
  color: var(--white); margin-bottom: 22px; max-width: 720px;
}
.page-hero h1 em { font-style: italic; color: var(--gold-light); }
.page-hero-sub { font-size: 17px; color: rgba(255,255,255,0.6); max-width: 560px; line-height: 1.75; }

/* ─── SHARED LAYOUT ─── */
section { padding: 100px 48px; }
.wrap { max-width: 1200px; margin: 0 auto; }
.eyebrow {
  font-size: 10px; font-weight: 500; letter-spacing: 0.22em;
  text-transform: uppercase; color: var(--gold); margin-bottom: 16px;
}
.section-h2 {
  font-family: 'Fraunces', serif; font-size: 40px; font-weight: 300;
  line-height: 1.12; color: var(--navy); margin-bottom: 20px;
}
.section-h2 em { font-style: italic; color: var(--gold); }
.section-lead { font-size: 16px; color: var(--text-mid); line-height: 1.8; max-width: 580px; }
.section-dark .section-h2 { color: var(--white); }
.section-dark .section-lead { color: rgba(255,255,255,0.55); }
.section-dark .eyebrow { color: var(--gold); }

/* ─── BUTTONS ─── */
.btn-gold {
  display: inline-flex; align-items: center; gap: 10px;
  background: var(--gold); color: var(--navy);
  font-size: 14px; font-weight: 500; padding: 15px 32px; border-radius: 4px;
  text-decoration: none; letter-spacing: 0.02em; transition: background 0.2s, transform 0.15s;
}
.btn-gold:hover { background: var(--gold-light); transform: translateY(-2px); }
.btn-outline {
  display: inline-flex; align-items: center; gap: 8px;
  border: 1px solid rgba(184,146,42,0.4); color: var(--gold-light);
  font-size: 14px; font-weight: 400; padding: 14px 28px; border-radius: 4px;
  text-decoration: none; transition: background 0.2s, border-color 0.2s;
}
.btn-outline:hover { background: rgba(184,146,42,0.1); border-color: var(--gold); }
.btn-ghost-dark {
  display: inline-flex; align-items: center; gap: 8px;
  color: var(--gold); font-size: 13px; font-weight: 500;
  text-decoration: none; border-bottom: 1px solid rgba(184,146,42,0.35); padding-bottom: 2px;
  transition: border-color 0.2s;
}
.btn-ghost-dark:hover { border-color: var(--gold); }

/* ─── CTA STRIP ─── */
.cta-strip {
  background: var(--navy); padding: 80px 48px; text-align: center; position: relative; overflow: hidden;
}
.cta-strip::before {
  content: ''; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(184,146,42,0.06) 1px, transparent 1px), linear-gradient(90deg, rgba(184,146,42,0.06) 1px, transparent 1px);
  background-size: 72px 72px;
}
.cta-strip-inner { position: relative; z-index: 1; }
.cta-strip h2 {
  font-family: 'Fraunces', serif; font-size: 40px; font-weight: 300;
  color: var(--white); margin-bottom: 16px; line-height: 1.15;
}
.cta-strip h2 em { font-style: italic; color: var(--gold-light); }
.cta-strip p { font-size: 15px; color: rgba(255,255,255,0.5); max-width: 440px; margin: 0 auto 36px; }
.cta-strip-actions { display: flex; align-items: center; justify-content: center; gap: 20px; flex-wrap: wrap; }
.cta-phone-link {
  font-family: 'Fraunces', serif; font-size: 20px; font-weight: 300;
  color: var(--gold-light); text-decoration: none; transition: color 0.2s;
}
.cta-phone-link:hover { color: var(--white); }

/* ─── FOOTER ─── */
footer { background: #07111f; padding: 72px 48px 40px; border-top: 1px solid rgba(184,146,42,0.12); }
.footer-grid {
  max-width: 1200px; margin: 0 auto;
  display: grid; grid-template-columns: 2.2fr 1fr 1fr 1fr; gap: 60px;
  padding-bottom: 56px; border-bottom: 1px solid rgba(255,255,255,0.05);
}
.footer-brand-tag { font-size: 10px; letter-spacing: 0.18em; text-transform: uppercase; color: var(--gold); margin-bottom: 6px; display: block; }
.footer-brand-name { font-family: 'Fraunces', serif; font-size: 19px; font-weight: 300; color: var(--white); margin-bottom: 14px; }
.footer-desc { font-size: 13px; color: rgba(255,255,255,0.35); line-height: 1.75; max-width: 280px; margin-bottom: 20px; }
.footer-address { font-size: 12px; color: rgba(255,255,255,0.2); line-height: 1.7; }
.footer-col h4 { font-size: 10px; letter-spacing: 0.18em; text-transform: uppercase; color: var(--gold); margin-bottom: 20px; }
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 10px; }
.footer-col a { font-size: 13px; color: rgba(255,255,255,0.45); text-decoration: none; transition: color 0.2s; }
.footer-col a:hover { color: rgba(255,255,255,0.85); }
.footer-bottom {
  max-width: 1200px; margin: 32px auto 0;
  display: flex; justify-content: space-between; align-items: center;
}
.footer-copy { font-size: 12px; color: rgba(255,255,255,0.2); }
.footer-free { font-size: 12px; color: rgba(255,255,255,0.15); }

/* ─── CONTENT BLOCKS ─── */
.content-grid { display: grid; grid-template-columns: 1fr 340px; gap: 80px; align-items: start; }
.content-body { min-width: 0; }
.content-sidebar { position: sticky; top: 100px; }

.prose h2 {
  font-family: 'Fraunces', serif; font-size: 26px; font-weight: 400;
  color: var(--navy); margin: 48px 0 16px; line-height: 1.25;
}
.prose h2:first-child { margin-top: 0; }
.prose p { font-size: 15px; color: var(--text-mid); line-height: 1.8; margin-bottom: 18px; }
.prose p strong { color: var(--navy); font-weight: 500; }
.prose ul { list-style: none; margin: 0 0 24px; }
.prose ul li {
  font-size: 15px; color: var(--text-mid); line-height: 1.7; padding: 10px 0 10px 28px;
  position: relative; border-bottom: 1px solid var(--border);
}
.prose ul li:first-child { border-top: 1px solid var(--border); }
.prose ul li::before {
  content: ''; position: absolute; left: 0; top: 18px;
  width: 8px; height: 8px; background: var(--gold); border-radius: 50%;
}

/* Sidebar card */
.sidebar-card {
  background: var(--navy); border-radius: 10px; padding: 36px 32px;
  border: 1px solid rgba(184,146,42,0.2); margin-bottom: 20px;
}
.sidebar-card-label { font-size: 10px; letter-spacing: 0.2em; text-transform: uppercase; color: var(--gold); margin-bottom: 18px; }
.sidebar-card-phone {
  font-family: 'Fraunces', serif; font-size: 28px; font-weight: 300;
  color: var(--white); text-decoration: none; display: block; margin-bottom: 6px; transition: color 0.2s;
}
.sidebar-card-phone:hover { color: var(--gold-light); }
.sidebar-card-hours { font-size: 12px; color: rgba(255,255,255,0.4); margin-bottom: 24px; }
.sidebar-card-sep { height: 1px; background: rgba(184,146,42,0.2); margin-bottom: 22px; }
.sidebar-card-email { font-size: 13px; color: rgba(255,255,255,0.5); margin-bottom: 6px; }
.sidebar-card-email a { color: var(--gold-light); text-decoration: none; }
.sidebar-cb {
  display: block; width: 100%; text-align: center; margin-top: 20px;
  background: transparent; border: 1px solid rgba(184,146,42,0.35); color: var(--gold-light);
  font-family: 'DM Sans', sans-serif; font-size: 13px; font-weight: 500; padding: 13px;
  border-radius: 4px; text-decoration: none; cursor: pointer;
  transition: background 0.2s, border-color 0.2s;
}
.sidebar-cb:hover { background: rgba(184,146,42,0.1); border-color: var(--gold); }
.sidebar-info {
  background: var(--cream); border: 1px solid var(--border); border-radius: 10px;
  padding: 28px; margin-bottom: 20px;
}
.sidebar-info h4 { font-family: 'Fraunces', serif; font-size: 16px; font-weight: 400; color: var(--navy); margin-bottom: 12px; }
.sidebar-info ul { list-style: none; }
.sidebar-info li { font-size: 13px; color: var(--text-mid); padding: 7px 0; border-bottom: 1px solid var(--border); }
.sidebar-info li:last-child { border-bottom: none; }
.sidebar-info a { color: var(--gold); text-decoration: none; transition: color 0.2s; }
.sidebar-info a:hover { color: var(--navy); }

/* Option cards */
.option-cards { display: flex; flex-direction: column; gap: 16px; margin: 32px 0; }
.option-card {
  background: var(--cream); border: 1px solid var(--border); border-radius: 8px;
  padding: 28px 32px; display: flex; gap: 20px; align-items: flex-start;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.option-card:hover { border-color: rgba(184,146,42,0.4); box-shadow: 0 4px 20px rgba(184,146,42,0.08); }
.option-num {
  font-family: 'Fraunces', serif; font-size: 28px; font-weight: 300;
  color: var(--gold); line-height: 1; flex-shrink: 0; width: 36px;
}
.option-card h3 { font-family: 'Fraunces', serif; font-size: 18px; font-weight: 400; color: var(--navy); margin-bottom: 8px; }
.option-card p { font-size: 14px; color: var(--text-mid); line-height: 1.7; }

/* Warning box */
.warning-box {
  background: #fff8ed; border: 1px solid rgba(184,146,42,0.4);
  border-left: 4px solid var(--gold); border-radius: 0 8px 8px 0;
  padding: 24px 28px; margin: 32px 0;
}
.warning-box p { font-size: 14px; color: var(--text-mid); line-height: 1.7; margin: 0; }
.warning-box p strong { color: var(--navy); }

/* Danger box */
.danger-box {
  background: #fff2f2; border: 1px solid rgba(180,40,40,0.2);
  border-left: 4px solid #c0392b; border-radius: 0 8px 8px 0;
  padding: 24px 28px; margin: 32px 0;
}
.danger-box p { font-size: 14px; color: #5a1a1a; line-height: 1.7; margin: 0; }
.danger-box p strong { color: #8b0000; }

/* Two-col grid for info */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 2px; margin: 32px 0; background: var(--border); border-radius: 8px; overflow: hidden; }
.two-col-item { background: var(--white); padding: 28px 32px; }
.two-col-item h3 { font-family: 'Fraunces', serif; font-size: 18px; font-weight: 400; color: var(--navy); margin-bottom: 12px; }
.two-col-item p { font-size: 14px; color: var(--text-mid); line-height: 1.7; }

/* Checklist */
.checklist { list-style: none; margin: 0 0 28px; }
.checklist li {
  font-size: 15px; color: var(--text-mid); line-height: 1.7;
  padding: 10px 0 10px 32px; position: relative; border-bottom: 1px solid var(--border);
}
.checklist li:first-child { border-top: 1px solid var(--border); }
.checklist li::before {
  content: '✓'; position: absolute; left: 0; top: 10px;
  color: var(--gold); font-weight: 600; font-size: 14px;
}

/* Contact form */
.contact-form { display: flex; flex-direction: column; gap: 18px; }
.form-group { display: flex; flex-direction: column; gap: 7px; }
.form-group label { font-size: 12px; font-weight: 500; color: var(--text-mid); letter-spacing: 0.06em; text-transform: uppercase; }
.form-group input, .form-group textarea, .form-group select {
  width: 100%; border: 1px solid var(--border); border-radius: 6px;
  padding: 13px 16px; font-family: 'DM Sans', sans-serif; font-size: 14px; color: var(--text);
  background: var(--white); outline: none; transition: border-color 0.2s;
}
.form-group input:focus, .form-group textarea:focus { border-color: var(--gold); }
.form-group textarea { resize: vertical; min-height: 120px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-submit {
  display: inline-flex; align-items: center; gap: 10px;
  background: var(--gold); color: var(--navy);
  font-family: 'DM Sans', sans-serif; font-size: 14px; font-weight: 500;
  padding: 16px 36px; border-radius: 4px; border: none; cursor: pointer;
  letter-spacing: 0.02em; transition: background 0.2s, transform 0.15s; width: fit-content;
}
.form-submit:hover { background: var(--gold-light); transform: translateY(-1px); }
.form-note { font-size: 12px; color: var(--text-light); margin-top: -6px; }

/* Contact info blocks */
.contact-methods { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin: 56px 0; }
.contact-method {
  background: var(--cream); border: 1px solid var(--border); border-radius: 10px; padding: 32px;
  transition: border-color 0.2s;
}
.contact-method:hover { border-color: rgba(184,146,42,0.4); }
.method-icon {
  width: 48px; height: 48px; background: var(--navy); border-radius: 8px;
  display: flex; align-items: center; justify-content: center; margin-bottom: 20px;
}
.method-icon svg { width: 22px; height: 22px; stroke: var(--gold); fill: none; stroke-width: 1.5; }
.contact-method h3 { font-family: 'Fraunces', serif; font-size: 18px; font-weight: 400; color: var(--navy); margin-bottom: 10px; }
.contact-method p { font-size: 14px; color: var(--text-mid); line-height: 1.6; }
.contact-method a { color: var(--gold); text-decoration: none; font-weight: 500; }

/* Animations */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to { opacity: 1; transform: translateY(0); }
}
.page-eyebrow { animation: fadeUp 0.6s ease both; }
.page-hero h1 { animation: fadeUp 0.6s 0.1s ease both; }
.page-hero-sub { animation: fadeUp 0.6s 0.2s ease both; }

/* ═══════════════════════════════════════════
   RESPONSIVE, TABLET (≤900px)
═══════════════════════════════════════════ */
@media (max-width: 900px) {
  /* Nav */
  nav { padding: 0 24px; }
  .nav-links { gap: 20px; }
  .nav-links li:not(:last-child):not(:nth-last-child(2)) { display: none; }

  /* Hero padding */
  section { padding: 72px 24px; }
  .page-hero { padding: 110px 24px 60px; }

  /* Content grid → single col with sidebar below */
  .content-grid { grid-template-columns: 1fr; gap: 48px; }
  .content-sidebar { position: static; }

  /* Footer → 2 col */
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }

  /* Contact methods → 1 col */
  .contact-methods { grid-template-columns: 1fr; gap: 16px; }

  /* Two col */
  .two-col { grid-template-columns: 1fr; }

  /* Form rows → single col */
  .form-row { grid-template-columns: 1fr; }
}

/* ═══════════════════════════════════════════
   RESPONSIVE, MOBILE (≤640px)
═══════════════════════════════════════════ */
@media (max-width: 640px) {

  /* ── Navigation ── */
  nav {
    padding: 0 16px;
    height: 64px;
    flex-wrap: wrap;
  }
  .nav-name { display: none; }
  .nav-links { gap: 0; }
  .nav-links li { display: none; }
  .nav-links li:last-child { display: block; }
  .nav-links .nav-cta {
    padding: 9px 16px;
    font-size: 11px;
  }

  /* ── Page hero ── */
  .page-hero { padding: 96px 20px 48px; }
  .page-hero h1 { font-size: 32px; }
  .page-hero-sub { font-size: 15px; }

  /* ── Sections ── */
  section { padding: 56px 20px; }

  /* ── Typography ── */
  .section-h2 { font-size: 28px; }
  .eyebrow { font-size: 9px; }

  /* ── Trust bar ── */
  .trust-bar {
    flex-direction: column;
    padding: 24px 20px;
    gap: 0;
  }
  .trust-item {
    padding: 16px 0;
    width: 100%;
    border-right: none;
    border-bottom: 1px solid rgba(255,255,255,0.08);
  }
  .trust-item:last-child { border-bottom: none; }

  /* ── CTA strip ── */
  .cta-strip { padding: 56px 20px; }
  .cta-strip h2 { font-size: 28px; }
  .cta-strip-actions { flex-direction: column; align-items: stretch; }
  .cta-strip-actions a { text-align: center; justify-content: center; }
  .cta-phone-link { text-align: center; }

  /* ── Content & sidebar ── */
  .content-grid { gap: 36px; }
  .content-sidebar { position: static; }

  /* ── Prose ── */
  .prose h2 { font-size: 22px; }
  .prose ul li { font-size: 14px; }

  /* ── Option cards ── */
  .option-card { padding: 22px 20px; flex-direction: column; gap: 12px; }
  .option-num { font-size: 22px; width: auto; }

  /* ── Two col ── */
  .two-col { grid-template-columns: 1fr; }
  .two-col-item { padding: 20px; }

  /* ── Sidebar card ── */
  .sidebar-card { padding: 28px 24px; }
  .sidebar-card-phone { font-size: 24px; }

  /* ── Warning/danger boxes ── */
  .warning-box, .danger-box { padding: 18px 20px; }

  /* ── Checklist ── */
  .checklist li { font-size: 14px; }

  /* ── Contact methods ── */
  .contact-methods { grid-template-columns: 1fr; margin: 32px 0; }
  .contact-method { padding: 24px; }

  /* ── Contact form ── */
  .form-row { grid-template-columns: 1fr; }
  .form-submit { width: 100%; justify-content: center; }

  /* ── Footer ── */
  .footer-grid { grid-template-columns: 1fr; gap: 32px; padding-bottom: 36px; }
  footer { padding: 48px 20px 28px; }
  .footer-bottom { flex-direction: column; gap: 8px; text-align: center; }
  .footer-desc { max-width: 100%; }
}


/* ═══════════════════════════════════════════
   PAGE-SPECIFIC NAMED CLASSES (mobile-safe)
═══════════════════════════════════════════ */

/* Homepage */
.hero-inner {
  max-width: 1200px; margin: 0 auto; width: 100%;
  display: grid; grid-template-columns: 1fr 400px; gap: 80px; align-items: center;
}
.why-layout { display: grid; grid-template-columns: 400px 1fr; gap: 100px; align-items: start; }
.services-intro { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: end; margin-bottom: 60px; }
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--border); border-radius: 10px; overflow: hidden; }
.who-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 2px; margin-top: 60px; background: rgba(255,255,255,0.06); border-radius: 10px; overflow: hidden; }
.coverage-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.advice-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; margin-top: 56px; }

/* Accountants page */
.acct-split { display: grid; grid-template-columns: 1fr 1fr; gap: 2px; background: var(--border); border-radius: 12px; overflow: hidden; margin-bottom: 80px; }
.acct-benefits { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }

/* Inline stat grid on homepage */
.stat-grid-8 { display: grid; grid-template-columns: 1fr 1fr; gap: 2px; background: var(--border); border-radius: 8px; overflow: hidden; margin: 28px 0 40px; }
.stat-grid-item { background: var(--white); padding: 20px 24px; font-size: 14px; color: var(--text-mid); }

@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .contact-card { order: -1; }
  .why-layout { grid-template-columns: 1fr; gap: 48px; }
  .why-image { display: none; }
  .services-intro { grid-template-columns: 1fr; gap: 16px; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .who-grid { grid-template-columns: 1fr; }
  .coverage-layout { grid-template-columns: 1fr; }
  .coverage-img { display: none; }
  .advice-grid { grid-template-columns: 1fr; }
  .acct-split { grid-template-columns: 1fr; }
  .acct-benefits { grid-template-columns: 1fr 1fr; gap: 16px; }
}

@media (max-width: 640px) {
  .hero-inner { gap: 32px; }
  .hero h1 { font-size: 36px; }
  .hero-sub { font-size: 15px; }
  .hero-ctas { flex-direction: column; align-items: flex-start; }
  .hero-stats { flex-direction: column; gap: 20px; padding-top: 24px; }
  .stat { padding: 0 !important; border-left: none !important; }
  .stat + .stat { padding-left: 0 !important; border-left: none !important; }
  .hero-badge { font-size: 10px; padding: 5px 12px; }

  .services-grid { grid-template-columns: 1fr; }
  .why-cards { gap: 0; }
  .why-card { flex-direction: column; gap: 14px; padding: 24px 20px; margin-bottom: 12px; }

  .advice-card-img { height: 160px; }
  .advice-body { padding: 22px; }

  .contact-card { padding: 28px 22px; }
  .card-phone { font-size: 28px; }

  .coverage-img { display: none; }
  .regions { gap: 8px; }

  .acct-benefits { grid-template-columns: 1fr; }
  .stat-grid-8 { grid-template-columns: 1fr; }

  /* CTA big phone */
  .cta-phone { font-size: 40px; letter-spacing: -0.5px; }
}

/* ═══════════════════════════════════════════
   MOBILE HAMBURGER NAV
═══════════════════════════════════════════ */
.hamburger {
  display: none;
  flex-direction: column; gap: 5px; cursor: pointer;
  padding: 8px; margin-left: 8px;
  background: none; border: none;
}
.hamburger span {
  display: block; width: 24px; height: 2px;
  background: var(--white); border-radius: 2px;
  transition: transform 0.3s, opacity 0.3s;
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.mobile-menu {
  display: none;
  position: fixed; top: 64px; left: 0; right: 0; z-index: 199;
  background: rgba(10,20,40,0.98);
  border-bottom: 1px solid rgba(184,146,42,0.2);
  flex-direction: column; padding: 16px 0;
}
.mobile-menu a {
  display: block; padding: 14px 24px;
  font-size: 14px; color: rgba(255,255,255,0.75);
  text-decoration: none; letter-spacing: 0.04em;
  border-bottom: 1px solid rgba(255,255,255,0.05);
  transition: color 0.2s, background 0.2s;
}
.mobile-menu a:hover { color: var(--gold-light); background: rgba(184,146,42,0.06); }
.mobile-menu a.nav-cta {
  margin: 12px 24px 4px; border-radius: 4px;
  background: var(--gold); color: var(--navy) !important;
  text-align: center; border: none; font-weight: 500; padding: 12px 24px;
}

@media (max-width: 640px) {
  .hamburger { display: flex; }
  .nav-links { display: none !important; }
}

/* ═══════════════════════════════════════════
   HOMEPAGE, HERO
═══════════════════════════════════════════ */
.hero {
  min-height: 100vh;
  background:
    linear-gradient(to bottom, rgba(13,30,53,0.88) 0%, rgba(13,30,53,0.75) 60%, rgba(13,30,53,0.92) 100%),
    url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?w=1600&q=80&auto=format&fit=crop') center/cover no-repeat;
  display: flex; align-items: center;
  padding: 140px 48px 100px;
  position: relative;
}
.hero-grid-overlay {
  position: absolute; inset: 0; pointer-events: none;
  background-image:
    linear-gradient(rgba(184,146,42,0.07) 1px, transparent 1px),
    linear-gradient(90deg, rgba(184,146,42,0.07) 1px, transparent 1px);
  background-size: 72px 72px;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(184,146,42,0.15);
  border: 1px solid rgba(184,146,42,0.3);
  border-radius: 20px;
  padding: 6px 16px;
  font-size: 11px; font-weight: 500;
  color: var(--gold-light);
  letter-spacing: 0.12em; text-transform: uppercase;
  margin-bottom: 32px;
}
.hero-badge::before {
  content: '';
  width: 6px; height: 6px;
  background: var(--gold-light);
  border-radius: 50%;
  animation: pulse 2s infinite;
}
@keyframes pulse { 0%, 100% { opacity: 1; } 50% { opacity: 0.3; } }

.hero h1 {
  font-family: 'Fraunces', serif;
  font-size: 60px; font-weight: 300; line-height: 1.08;
  color: var(--white); margin-bottom: 28px; letter-spacing: -0.5px;
}
.hero h1 em { font-style: italic; color: var(--gold-light); }
.hero-sub {
  font-size: 17px; color: rgba(255,255,255,0.65);
  line-height: 1.75; max-width: 520px; margin-bottom: 48px;
}
.hero-ctas { display: flex; align-items: center; gap: 24px; flex-wrap: wrap; margin-bottom: 56px; }
.btn-ghost {
  display: inline-flex; align-items: center; gap: 8px;
  color: rgba(255,255,255,0.8); font-size: 14px;
  text-decoration: none; padding-bottom: 2px;
  border-bottom: 1px solid rgba(255,255,255,0.3);
  transition: color 0.2s, border-color 0.2s;
}
.btn-ghost:hover { color: var(--gold-light); border-color: var(--gold-light); }
.hero-stats {
  display: flex; align-items: center;
  padding: 24px 0;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.stat { text-align: left; padding: 0 32px 0 0; }
.stat + .stat { padding-left: 32px; border-left: 1px solid rgba(255,255,255,0.12); }
.stat-num {
  font-family: 'Fraunces', serif;
  font-size: 30px; font-weight: 300; color: var(--gold-light); line-height: 1;
}
.stat-label { font-size: 11px; color: rgba(255,255,255,0.4); letter-spacing: 0.08em; text-transform: uppercase; margin-top: 5px; }

/* Contact card in hero */
.contact-card {
  background: rgba(10,20,38,0.75);
  border: 1px solid rgba(184,146,42,0.25);
  border-radius: 10px; padding: 40px 36px;
  backdrop-filter: blur(16px);
}
.card-eyebrow { font-size: 10px; font-weight: 500; letter-spacing: 0.2em; text-transform: uppercase; color: var(--gold); margin-bottom: 22px; }
.card-phone {
  font-family: 'Fraunces', serif; font-size: 36px; font-weight: 300;
  color: var(--white); letter-spacing: -0.5px; line-height: 1;
  margin-bottom: 8px; text-decoration: none; display: block; transition: color 0.2s;
}
.card-phone:hover { color: var(--gold-light); }
.card-hours { font-size: 12px; color: rgba(255,255,255,0.45); margin-bottom: 30px; }
.card-sep { height: 1px; background: rgba(184,146,42,0.2); margin-bottom: 28px; }
.card-email-label { font-size: 11px; color: rgba(255,255,255,0.35); margin-bottom: 6px; letter-spacing: 0.05em; text-transform: uppercase; }
.card-email {
  font-size: 14px; color: var(--gold-light); text-decoration: none;
  border-bottom: 1px solid rgba(184,146,42,0.3); padding-bottom: 1px;
  display: inline-block; margin-bottom: 28px; transition: border-color 0.2s;
}
.card-email:hover { border-color: var(--gold-light); }
.card-cb {
  display: block; width: 100%; text-align: center;
  background: transparent; border: 1px solid rgba(184,146,42,0.35);
  color: var(--gold-light); font-family: 'DM Sans', sans-serif;
  font-size: 13px; font-weight: 500; padding: 14px; border-radius: 4px;
  text-decoration: none; transition: background 0.2s, border-color 0.2s;
}
.card-cb:hover { background: rgba(184,146,42,0.1); border-color: var(--gold); }

/* ═══════════════════════════════════════════
   HOMEPAGE, TRUST BAR
═══════════════════════════════════════════ */
.trust-bar {
  background: var(--navy);
  padding: 28px 48px;
  display: flex; align-items: center; justify-content: center;
}
.trust-item {
  display: flex; align-items: center; gap: 12px;
  padding: 0 40px;
  border-right: 1px solid rgba(255,255,255,0.08);
}
.trust-item:last-child { border-right: none; }
.trust-icon {
  width: 36px; height: 36px; flex-shrink: 0;
  background: rgba(184,146,42,0.15); border-radius: 6px;
  display: flex; align-items: center; justify-content: center;
}
.trust-icon svg { width: 18px; height: 18px; stroke: var(--gold); fill: none; stroke-width: 1.5; }
.trust-text { font-size: 13px; color: rgba(255,255,255,0.7); line-height: 1.4; }
.trust-text strong { display: block; color: var(--white); font-weight: 500; }

/* ═══════════════════════════════════════════
   HOMEPAGE, WHY US
═══════════════════════════════════════════ */
.why { background: var(--cream); }
.why-left { position: sticky; top: 100px; }
.why-image {
  width: 100%; aspect-ratio: 3/4; object-fit: cover;
  border-radius: 8px; margin-top: 40px;
  filter: brightness(0.92) saturate(0.9);
}
.why-cards { display: flex; flex-direction: column; gap: 0; margin-top: 40px; }
.why-card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: 8px; padding: 32px 36px;
  display: flex; gap: 24px; align-items: flex-start;
  transition: border-color 0.2s, box-shadow 0.2s; margin-bottom: 16px;
}
.why-card:hover { border-color: rgba(184,146,42,0.4); box-shadow: 0 4px 24px rgba(184,146,42,0.08); }
.why-icon {
  width: 48px; height: 48px; flex-shrink: 0;
  background: var(--navy); border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
}
.why-icon svg { width: 22px; height: 22px; stroke: var(--gold); fill: none; stroke-width: 1.5; }
.why-card h3 { font-family: 'Fraunces', serif; font-size: 20px; font-weight: 400; color: var(--navy); margin-bottom: 8px; }
.why-card p { font-size: 14px; color: var(--text-mid); line-height: 1.7; }

/* ═══════════════════════════════════════════
   HOMEPAGE, SERVICES
═══════════════════════════════════════════ */
.services { background: var(--white); }
.svc {
  background: var(--white); padding: 36px 32px;
  position: relative; transition: background 0.25s;
}
.svc::after {
  content: ''; position: absolute; bottom: 0; left: 32px; right: 32px;
  height: 2px; background: var(--gold);
  transform: scaleX(0); transform-origin: left; transition: transform 0.3s;
}
.svc:hover { background: var(--navy); }
.svc:hover::after { transform: scaleX(1); }
.svc:hover .svc-num { color: var(--gold); }
.svc:hover .svc-title { color: var(--white); }
.svc:hover .svc-desc { color: rgba(255,255,255,0.55); }
.svc-num { font-family: 'Fraunces', serif; font-size: 11px; color: rgba(0,0,0,0.2); margin-bottom: 18px; transition: color 0.25s; }
.svc-title { font-size: 15px; font-weight: 500; color: var(--navy); margin-bottom: 10px; line-height: 1.4; transition: color 0.25s; }
.svc-desc { font-size: 13px; color: var(--text-light); line-height: 1.65; transition: color 0.25s; }

/* ═══════════════════════════════════════════
   HOMEPAGE, WHO WE HELP
═══════════════════════════════════════════ */
.who {
  background:
    linear-gradient(rgba(13,30,53,0.92), rgba(13,30,53,0.92)),
    url('https://images.unsplash.com/photo-1556761175-5973dc0f32e7?w=1600&q=80&auto=format&fit=crop') center/cover no-repeat fixed;
  padding: 120px 48px;
}
.who .section-h2 { color: var(--white); }
.who .section-lead { color: rgba(255,255,255,0.6); }
.who-item {
  background: rgba(13,30,53,0.6); padding: 40px 36px;
  border: 1px solid rgba(184,146,42,0.12); transition: background 0.2s;
}
.who-item:hover { background: rgba(22,44,74,0.8); }
.who-num {
  font-family: 'Fraunces', serif; font-size: 40px; font-weight: 300;
  color: var(--gold); line-height: 1; margin-bottom: 12px; opacity: 0.6;
}
.who-item h3 { font-family: 'Fraunces', serif; font-size: 20px; font-weight: 400; color: var(--white); margin-bottom: 10px; }
.who-item p { font-size: 14px; color: rgba(255,255,255,0.55); line-height: 1.7; }

/* ═══════════════════════════════════════════
   HOMEPAGE, COVERAGE
═══════════════════════════════════════════ */
.coverage { background: var(--cream); }
.coverage-img {
  width: 100%; aspect-ratio: 4/3; object-fit: cover;
  border-radius: 10px; filter: brightness(0.88) saturate(0.85);
}
.regions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 36px; }
.region {
  background: var(--white); border: 1px solid var(--border);
  border-radius: 4px; padding: 9px 18px;
  font-size: 13px; color: var(--text-mid);
  transition: border-color 0.2s, color 0.2s;
}
.region:hover { border-color: var(--gold); color: var(--navy); }

/* ═══════════════════════════════════════════
   HOMEPAGE, ADVICE SECTION
═══════════════════════════════════════════ */
.advice { background: var(--white); }
.advice-card {
  background: var(--cream); border: 1px solid var(--border);
  border-radius: 10px; overflow: hidden;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.advice-card:hover { border-color: rgba(184,146,42,0.4); box-shadow: 0 8px 40px rgba(184,146,42,0.1); }
.advice-card-img { width: 100%; height: 200px; object-fit: cover; filter: brightness(0.88) saturate(0.85); }
.advice-body { padding: 32px; }
.advice-tag {
  display: inline-block; background: var(--gold-pale); color: var(--gold);
  font-size: 10px; font-weight: 500; letter-spacing: 0.15em; text-transform: uppercase;
  padding: 5px 12px; border-radius: 2px; margin-bottom: 16px;
}
.advice-card h3 { font-family: 'Fraunces', serif; font-size: 22px; font-weight: 400; color: var(--navy); margin-bottom: 12px; line-height: 1.25; }
.advice-card p { font-size: 14px; color: var(--text-mid); line-height: 1.7; margin-bottom: 20px; }
.advice-link {
  display: inline-flex; align-items: center; gap: 6px;
  color: var(--gold); font-size: 13px; font-weight: 500;
  text-decoration: none; border-bottom: 1px solid rgba(184,146,42,0.3); padding-bottom: 2px;
  transition: border-color 0.2s;
}
.advice-link:hover { border-color: var(--gold); }

/* ═══════════════════════════════════════════
   HOMEPAGE, BIG CTA
═══════════════════════════════════════════ */
.cta-section {
  background: var(--navy); padding: 120px 48px;
  text-align: center; position: relative; overflow: hidden;
}
.cta-section::before {
  content: ''; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(184,146,42,0.06) 1px, transparent 1px), linear-gradient(90deg, rgba(184,146,42,0.06) 1px, transparent 1px);
  background-size: 72px 72px;
}
.cta-inner { position: relative; z-index: 1; }
.cta-section .eyebrow { margin-bottom: 24px; }
.cta-section h2 {
  font-family: 'Fraunces', serif; font-size: 52px; font-weight: 300;
  color: var(--white); margin-bottom: 20px; line-height: 1.1;
}
.cta-section h2 em { font-style: italic; color: var(--gold-light); }
.cta-section p { font-size: 16px; color: rgba(255,255,255,0.5); max-width: 480px; margin: 0 auto 56px; }
.cta-phone {
  font-family: 'Fraunces', serif; font-size: 64px; font-weight: 300;
  color: var(--gold-light); text-decoration: none;
  display: block; margin-bottom: 10px; letter-spacing: -1.5px; transition: color 0.2s;
}
.cta-phone:hover { color: var(--white); }
.cta-hours { font-size: 12px; color: rgba(255,255,255,0.35); letter-spacing: 0.15em; text-transform: uppercase; margin-bottom: 44px; }
.cta-email {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 14px; color: rgba(255,255,255,0.6); text-decoration: none;
  border-bottom: 1px solid rgba(255,255,255,0.2); padding-bottom: 2px; transition: color 0.2s;
}
.cta-email:hover { color: var(--gold-light); }

/* ═══════════════════════════════════════════
   HOMEPAGE RESPONSIVE OVERRIDES
═══════════════════════════════════════════ */
@media (max-width: 900px) {
  .hero { padding: 110px 24px 60px; }
  .trust-bar { flex-wrap: wrap; padding: 20px 24px; gap: 0; }
  .trust-item { padding: 12px 20px; border-right: none; border-bottom: 1px solid rgba(255,255,255,0.08); width: 50%; }
  .trust-item:nth-child(3), .trust-item:nth-child(4) { border-bottom: none; }
  .who { padding: 80px 24px; }
}
@media (max-width: 640px) {
  .hero { padding: 96px 20px 48px; min-height: auto; }
  .hero h1 { font-size: 36px; }
  .hero-sub { font-size: 15px; margin-bottom: 32px; }
  .hero-badge { font-size: 10px; }
  .hero-ctas { flex-direction: column; align-items: flex-start; gap: 16px; margin-bottom: 36px; }
  .hero-stats { flex-direction: column; gap: 16px; border-top: 1px solid rgba(255,255,255,0.1); padding-top: 24px; }
  .stat { padding: 0 !important; border-left: none !important; }
  .stat + .stat { padding-left: 0 !important; border-left: none !important; }
  .contact-card { padding: 28px 22px; }
  .card-phone { font-size: 28px; }
  .trust-bar { flex-direction: column; padding: 20px; }
  .trust-item { width: 100%; border-right: none; padding: 14px 0; border-bottom: 1px solid rgba(255,255,255,0.08); }
  .trust-item:last-child { border-bottom: none; }
  .who { padding: 60px 20px; }
  .who-item { padding: 28px 24px; }
  .cta-section { padding: 72px 20px; }
  .cta-section h2 { font-size: 34px; }
  .cta-phone { font-size: 40px; }
  .advice-body { padding: 22px; }
  .advice-card-img { height: 160px; }
}