/* ═══════════════════════════════════════════
   iTax CPA — Premium Stylesheet
   Palette: Deep Navy / Aged Gold / Warm Parchment
   ═══════════════════════════════════════════ */

/* ── TOKENS ── */
:root {
  --navy-deep:    #0A1628;
  --navy-mid:     #1A3A5C;
  --navy-light:   #2D6A9F;
  --gold:         #C9A84C;
  --gold-light:   #E2C97A;
  --parchment:    #E8E0D0;
  --off-white:    #F7F5F1;
  --white:        #FFFFFF;
  --text-dark:    #1C2B3A;
  --text-muted:   #6B7B8D;
  --text-light:   #B8C5D1;
  --border-dark:  rgba(201,168,76,0.2);
  --border-light: rgba(28,43,58,0.12);

  --ff-display: 'Playfair Display', Georgia, serif;
  --ff-body:    'Inter', system-ui, sans-serif;

  --fs-xs:   0.75rem;
  --fs-sm:   0.875rem;
  --fs-base: 1rem;
  --fs-lg:   1.125rem;
  --fs-xl:   1.375rem;
  --fs-2xl:  1.75rem;
  --fs-3xl:  2.25rem;
  --fs-4xl:  3rem;
  --fs-5xl:  4rem;

  --space-xs:  0.5rem;
  --space-sm:  1rem;
  --space-md:  1.5rem;
  --space-lg:  2.5rem;
  --space-xl:  4rem;
  --space-2xl: 7rem;

  --radius-sm: 4px;
  --radius-md: 8px;
  --radius-lg: 16px;

  --transition: 0.25s cubic-bezier(0.4,0,0.2,1);
  --shadow-card: 0 4px 24px rgba(10,22,40,0.18);
  --shadow-hover: 0 12px 40px rgba(10,22,40,0.28);
}

/* ── RESET ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--ff-body);
  color: var(--text-dark);
  background: var(--off-white);
  line-height: 1.65;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

/* ── CONTAINER ── */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 var(--space-md);
}

/* ── SECTION WRAPPERS ── */
.section-dark  { background: var(--navy-deep); color: var(--parchment); }
.section-light { background: var(--off-white); color: var(--text-dark); }

/* ── TYPOGRAPHY UTILITIES ── */
.eyebrow {
  font-family: var(--ff-body);
  font-size: var(--fs-xs);
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: var(--space-sm);
  display: block;
}
.eyebrow--dark { color: var(--navy-mid); }

h1, h2, h3 { font-family: var(--ff-display); line-height: 1.2; }

.section-header {
  max-width: 700px;
  margin-bottom: var(--space-xl);
}
.section-header h2 {
  font-size: clamp(var(--fs-2xl), 4vw, var(--fs-4xl));
  margin-bottom: var(--space-md);
}
.section-header--light h2 { color: var(--white); }
.section-intro {
  font-size: var(--fs-lg);
  line-height: 1.7;
  color: var(--text-muted);
}
.section-header--light .section-intro { color: var(--text-light); }

/* ── BUTTONS ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: var(--space-xs);
  padding: 0.85rem 2rem;
  font-family: var(--ff-body);
  font-size: var(--fs-sm);
  font-weight: 600;
  letter-spacing: 0.04em;
  border-radius: var(--radius-sm);
  transition: all var(--transition);
  cursor: pointer;
  border: 2px solid transparent;
  white-space: nowrap;
}
.btn--primary {
  background: var(--gold);
  color: var(--navy-deep);
  border-color: var(--gold);
}
.btn--primary:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(201,168,76,0.35);
}
.btn--ghost {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.35);
}
.btn--ghost:hover {
  border-color: var(--gold);
  color: var(--gold);
}
.btn--full { width: 100%; justify-content: center; }

.text-link {
  color: var(--gold);
  text-decoration: underline;
  text-underline-offset: 3px;
  transition: color var(--transition);
}
.text-link:hover { color: var(--gold-light); }

/* ═══════════════════════════════════════════
   NAV
   ═══════════════════════════════════════════ */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: transparent;
  transition: background var(--transition), box-shadow var(--transition);
  padding: 0;
}
.site-header.scrolled {
  background: rgba(10,22,40,0.97);
  backdrop-filter: blur(10px);
  box-shadow: 0 1px 0 var(--border-dark);
}
.nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 var(--space-md);
  height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-lg);
}
.nav-logo {
  font-family: var(--ff-display);
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--white);
  flex-shrink: 0;
}
.logo-mark { color: var(--gold); }
.logo-sub  { color: var(--white); font-size: 1rem; font-weight: 400; letter-spacing: 0.08em; vertical-align: super; margin-left: 2px; }
.nav-links {
  display: flex;
  align-items: center;
  gap: var(--space-lg);
  flex-wrap: wrap;
}
.nav-links a {
  font-size: var(--fs-sm);
  font-weight: 500;
  color: var(--parchment);
  transition: color var(--transition);
  white-space: nowrap;
}
.nav-links a:hover { color: var(--gold); }
.nav-cta {
  background: var(--gold);
  color: var(--navy-deep) !important;
  padding: 0.5rem 1.25rem;
  border-radius: var(--radius-sm);
  font-weight: 600 !important;
  transition: background var(--transition), transform var(--transition) !important;
}
.nav-cta:hover { background: var(--gold-light) !important; transform: translateY(-1px); }
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}

/* ═══════════════════════════════════════════
   HERO
   ═══════════════════════════════════════════ */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding: 120px var(--space-md) var(--space-2xl);
}

/* Signature element: two-jurisdiction field */
.hero-bg {
  position: absolute;
  inset: 0;
  display: grid;
  grid-template-columns: 1fr 1px 1fr;
}
.hero-field--us {
  background: linear-gradient(135deg, #1a1a2e 0%, #16213e 40%, #0f3460 100%);
}
.hero-field--ca {
  background: linear-gradient(135deg, #0A1628 0%, #1A3A5C 60%, #0a2040 100%);
}
.hero-divider {
  background: linear-gradient(180deg, transparent 0%, rgba(201,168,76,0.3) 35%, rgba(201,168,76,0.3) 65%, transparent 100%);
  opacity: 0.5;
  animation: dividerPulse 5s ease-in-out infinite;
}
@keyframes dividerPulse {
  0%, 100% { opacity: 0.25; }
  50%       { opacity: 0.5; }
}

/* Subtle grid overlay */
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(201,168,76,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 1200px;
  margin: 0 auto;
  width: 100%;
}
.hero-headline {
  font-size: clamp(2.5rem, 6vw, var(--fs-5xl));
  color: var(--white);
  line-height: 1.1;
  margin-bottom: var(--space-md);
  max-width: 700px;
}
.hero-headline em {
  font-style: italic;
  color: var(--gold);
}
.hero-sub {
  font-size: clamp(var(--fs-base), 2vw, var(--fs-xl));
  color: var(--parchment);
  max-width: 580px;
  margin-bottom: var(--space-lg);
  line-height: 1.75;
}
.hero-actions {
  display: flex;
  gap: var(--space-md);
  flex-wrap: wrap;
  margin-bottom: var(--space-xl);
}
.hero-credentials {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-sm);
  align-items: center;
  max-width: 700px;
}
.cred-item {
  font-size: var(--fs-xs);
  font-weight: 500;
  color: var(--text-light);
  letter-spacing: 0.05em;
}
.cred-sep { color: var(--gold); opacity: 0.5; }

.hero-scroll-hint {
  position: absolute;
  bottom: var(--space-lg);
  left: var(--space-md);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-xs);
  z-index: 2;
}
.hero-scroll-hint span {
  font-size: var(--fs-xs);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-light);
}
.scroll-line {
  width: 1px;
  height: 48px;
  background: linear-gradient(180deg, var(--gold) 0%, transparent 100%);
  animation: scrollDrop 2s ease-in-out infinite;
}
@keyframes scrollDrop {
  0%   { transform: scaleY(0); transform-origin: top; opacity: 0; }
  50%  { transform: scaleY(1); transform-origin: top; opacity: 1; }
  100% { transform: scaleY(1); transform-origin: bottom; opacity: 0; }
}

/* ═══════════════════════════════════════════
   TRUST BAR
   ═══════════════════════════════════════════ */
.trust-bar {
  background: var(--gold);
  padding: var(--space-md) 0;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-md);
}
.trust-item {
  text-align: center;
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.trust-num {
  font-family: var(--ff-display);
  font-size: var(--fs-xl);
  font-weight: 700;
  color: var(--navy-deep);
  line-height: 1;
}
.trust-label {
  font-size: var(--fs-xs);
  font-weight: 600;
  color: var(--navy-mid);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

/* ═══════════════════════════════════════════
   WHY CANADA
   ═══════════════════════════════════════════ */
.why-canada { padding: var(--space-2xl) 0; }

.risk-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-md);
}
.risk-card {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: var(--space-lg);
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.risk-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 3px;
  height: 0;
  background: var(--gold);
  transition: height 0.35s ease;
}
.risk-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-hover); }
.risk-card:hover::before { height: 100%; }
.risk-icon {
  font-size: 1.5rem;
  color: var(--gold);
  margin-bottom: var(--space-sm);
}
.risk-card h3 {
  font-size: var(--fs-lg);
  margin-bottom: var(--space-xs);
  color: var(--navy-deep);
}
.risk-card p {
  font-size: var(--fs-sm);
  color: var(--text-muted);
  line-height: 1.7;
}

/* ═══════════════════════════════════════════
   SERVICES
   ═══════════════════════════════════════════ */
.services { padding: var(--space-2xl) 0; }

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-md);
}
.service-card {
  border: 1px solid var(--border-dark);
  border-radius: var(--radius-md);
  padding: var(--space-lg);
  transition: all var(--transition);
  position: relative;
  background: rgba(255,255,255,0.03);
}
.service-card:hover {
  background: rgba(201,168,76,0.06);
  border-color: rgba(201,168,76,0.45);
  transform: translateY(-4px);
}
.service-num {
  font-family: var(--ff-display);
  font-size: var(--fs-3xl);
  font-weight: 700;
  color: var(--border-dark);
  line-height: 1;
  margin-bottom: var(--space-sm);
  border-bottom: 1px solid var(--border-dark);
  padding-bottom: var(--space-sm);
  transition: color var(--transition);
}
.service-card:hover .service-num { color: rgba(201,168,76,0.4); }
.service-card h3 {
  font-size: var(--fs-xl);
  color: var(--white);
  margin-bottom: var(--space-md);
}
.service-card ul {
  margin-bottom: var(--space-md);
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
}
.service-card ul li {
  font-size: var(--fs-sm);
  color: var(--text-light);
  padding-left: 1rem;
  position: relative;
}
.service-card ul li::before {
  content: '–';
  position: absolute;
  left: 0;
  color: var(--gold);
  opacity: 0.7;
}
.service-link {
  font-size: var(--fs-sm);
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.03em;
  transition: letter-spacing var(--transition);
  display: inline-block;
  margin-top: auto;
}
.service-link:hover { letter-spacing: 0.07em; }

/* ═══════════════════════════════════════════
   HOW WE WORK
   ═══════════════════════════════════════════ */
.how-we-work { padding: var(--space-2xl) 0; }

.process-steps {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.process-step {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: var(--space-lg);
  padding: var(--space-lg) 0;
  border-bottom: 1px solid var(--border-light);
  align-items: start;
}
.process-step:last-child { border-bottom: none; }
.step-marker {
  font-family: var(--ff-display);
  font-size: var(--fs-4xl);
  font-weight: 700;
  color: var(--parchment);
  line-height: 1;
  opacity: 0.3;
  transition: opacity var(--transition);
}
.process-step:hover .step-marker { opacity: 0.7; color: var(--gold); }
.step-content h3 {
  font-size: var(--fs-xl);
  color: var(--navy-deep);
  margin-bottom: var(--space-xs);
}
.step-content p {
  color: var(--text-muted);
  font-size: var(--fs-base);
  line-height: 1.7;
}

/* ═══════════════════════════════════════════
   ABOUT
   ═══════════════════════════════════════════ */
.about { padding: var(--space-2xl) 0; }

.about-grid {
  display: grid;
  grid-template-columns: 340px 1fr;
  gap: var(--space-2xl);
  align-items: start;
}
.about-photo-frame {
  aspect-ratio: 4/5;
  background: var(--navy-mid);
  border-radius: var(--radius-md);
  border: 1px solid var(--border-dark);
  overflow: hidden;
  margin-bottom: var(--space-md);
}
.about-photo-placeholder {
  width: 100%;
  height: 100%;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: var(--space-xs);
  color: var(--text-light);
  font-size: var(--fs-sm);
}
.photo-note {
  font-size: var(--fs-xs);
  opacity: 0.5;
  font-style: italic;
}
.about-credentials-block {
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
}
.cred-badge {
  font-size: var(--fs-xs);
  font-weight: 600;
  color: var(--gold);
  border: 1px solid var(--border-dark);
  padding: 0.4rem 0.75rem;
  border-radius: var(--radius-sm);
  letter-spacing: 0.04em;
}
.about-text-col h2 {
  font-size: clamp(var(--fs-2xl), 3.5vw, var(--fs-4xl));
  color: var(--white);
  margin-bottom: var(--space-md);
}
.about-lead {
  font-size: var(--fs-lg);
  line-height: 1.75;
  color: var(--parchment);
  margin-bottom: var(--space-md);
}
.about-text-col p {
  color: var(--text-light);
  line-height: 1.75;
  margin-bottom: var(--space-md);
  font-size: var(--fs-base);
}
.linkedin-cta { margin-bottom: var(--space-lg); }
.btn--linkedin {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.65rem 1.25rem;
  background: transparent;
  border: 1px solid rgba(201,168,76,0.35);
  border-radius: var(--radius-sm);
  font-size: var(--fs-sm);
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.03em;
  transition: all var(--transition);
}
.btn--linkedin:hover {
  background: rgba(201,168,76,0.1);
  border-color: var(--gold);
  transform: translateY(-2px);
}

.firm-history {
  margin-top: var(--space-lg);
  border-top: 1px solid var(--border-dark);
  padding-top: var(--space-lg);
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
}
.firm-history-item {
  display: flex;
  align-items: center;
  gap: var(--space-md);
  font-size: var(--fs-sm);
  color: var(--text-light);
}
.firm-logo-text {
  font-family: var(--ff-display);
  font-weight: 700;
  font-size: var(--fs-base);
  color: var(--gold);
  min-width: 70px;
}

/* ═══════════════════════════════════════════
   INSTRUCTOR BAR
   ═══════════════════════════════════════════ */
.instructor-bar {
  margin-top: var(--space-2xl);
  padding-top: var(--space-xl);
  border-top: 1px solid var(--border-dark);
}
.instructor-body {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-md);
  margin-bottom: var(--space-lg);
}
@media (max-width: 1024px) {
  .instructor-body { grid-template-columns: repeat(2, 1fr); }
}
.instructor-col {
  background: rgba(255,255,255,0.04);
  border: 1px solid var(--border-dark);
  border-radius: var(--radius-md);
  padding: var(--space-lg);
}
.instructor-col-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: var(--space-md);
  padding-bottom: var(--space-sm);
  border-bottom: 1px solid var(--border-dark);
  flex-wrap: wrap;
  gap: var(--space-xs);
}
.instructor-org-badge {
  font-size: var(--fs-xs);
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  background: rgba(201,168,76,0.1);
  padding: 0.3rem 0.75rem;
  border-radius: var(--radius-sm);
  border: 1px solid rgba(201,168,76,0.25);
}
.instructor-org-link {
  font-size: var(--fs-xs);
  font-weight: 600;
  color: var(--navy-light);
  letter-spacing: 0.03em;
  transition: color var(--transition);
  text-decoration: underline;
  text-underline-offset: 3px;
}
.instructor-org-link:hover { color: var(--gold); }
.instructor-course-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
}
.instructor-course-item {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.instructor-course-title a {
  font-size: var(--fs-base);
  font-weight: 500;
  color: var(--white);
  font-family: var(--ff-display);
  line-height: 1.35;
  text-decoration: underline;
  text-underline-offset: 3px;
  text-decoration-color: rgba(201,168,76,0.4);
  transition: color var(--transition), text-decoration-color var(--transition);
}
.instructor-course-title a:hover {
  color: var(--gold);
  text-decoration-color: var(--gold);
}
.instructor-course-meta {
  font-size: var(--fs-xs);
  color: var(--text-muted);
  letter-spacing: 0.03em;
}
.instructor-note {
  font-size: var(--fs-sm);
  color: var(--text-muted);
  line-height: 1.7;
  max-width: 800px;
  font-style: italic;
}
@media (max-width: 768px) {
  .instructor-body { grid-template-columns: 1fr; }
}


.insights { padding: var(--space-2xl) 0; }

.insights-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  grid-template-rows: auto auto;
  gap: var(--space-md);
}
.insight-card {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: var(--space-lg);
  transition: all var(--transition);
}
.insight-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-hover);
  border-color: var(--gold);
}
.insight-card--featured {
  grid-column: 1 / -1;
  background: var(--navy-deep);
  border-color: var(--border-dark);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-lg);
  align-items: center;
}
.insight-card--featured h3 { color: var(--white); }
.insight-card--featured p  { color: var(--text-light); }
.insight-tag {
  font-size: var(--fs-xs);
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: var(--space-sm);
}
.insight-card h3 {
  font-size: var(--fs-xl);
  color: var(--navy-deep);
  margin-bottom: var(--space-sm);
  line-height: 1.3;
}
.insight-card p {
  font-size: var(--fs-sm);
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: var(--space-md);
}
.insight-link {
  font-size: var(--fs-sm);
  font-weight: 600;
  color: var(--gold);
  transition: letter-spacing var(--transition);
  display: inline-block;
}
.insight-link:hover { letter-spacing: 0.06em; }

/* ═══════════════════════════════════════════
   CONTACT
   ═══════════════════════════════════════════ */
.contact { padding: var(--space-2xl) 0; }

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-2xl);
  align-items: start;
}
.contact-text h2 {
  font-size: clamp(var(--fs-2xl), 3.5vw, var(--fs-3xl));
  color: var(--white);
  margin-bottom: var(--space-md);
}
.contact-text p {
  color: var(--text-light);
  line-height: 1.75;
  margin-bottom: var(--space-lg);
}
.contact-details {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
  margin-bottom: var(--space-lg);
}
.contact-detail-item {
  display: flex;
  gap: var(--space-md);
  font-size: var(--fs-sm);
  color: var(--text-light);
  align-items: baseline;
}
.contact-detail-label {
  font-weight: 600;
  color: var(--gold);
  min-width: 80px;
  font-size: var(--fs-xs);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.contact-also {
  border-top: 1px solid var(--border-dark);
  padding-top: var(--space-md);
  font-size: var(--fs-sm);
  color: var(--text-muted);
}

/* Form */
.contact-form-col {
  background: rgba(255,255,255,0.04);
  border: 1px solid var(--border-dark);
  border-radius: var(--radius-md);
  padding: var(--space-lg);
}
.contact-form {
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
}
.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.form-group label {
  font-size: var(--fs-xs);
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-light);
}
.form-group input,
.form-group select,
.form-group textarea {
  background: rgba(255,255,255,0.06);
  border: 1px solid var(--border-dark);
  border-radius: var(--radius-sm);
  padding: 0.75rem 1rem;
  font-family: var(--ff-body);
  font-size: var(--fs-base);
  color: var(--parchment);
  transition: border-color var(--transition), background var(--transition);
  outline: none;
}
.form-group input::placeholder,
.form-group textarea::placeholder { color: var(--text-muted); }
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--gold);
  background: rgba(201,168,76,0.06);
}
.form-group select option { background: var(--navy-deep); color: var(--parchment); }
.form-group textarea { resize: vertical; min-height: 100px; }
.form-note {
  font-size: var(--fs-xs);
  color: var(--text-muted);
  text-align: center;
  line-height: 1.5;
}

/* ═══════════════════════════════════════════
   FOOTER
   ═══════════════════════════════════════════ */
.site-footer {
  background: #060e1a;
  color: var(--text-light);
  padding: var(--space-2xl) 0 var(--space-lg);
  border-top: 1px solid var(--border-dark);
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: var(--space-lg);
  margin-bottom: var(--space-xl);
}
.footer-brand .nav-logo { display: inline-block; margin-bottom: var(--space-md); }
.footer-brand p {
  font-size: var(--fs-sm);
  line-height: 1.7;
  margin-bottom: var(--space-sm);
}
.footer-disclaimer {
  font-size: var(--fs-xs);
  opacity: 0.55;
  font-style: italic;
}
.footer-links h4 {
  font-family: var(--ff-body);
  font-size: var(--fs-xs);
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: var(--space-md);
}
.footer-links ul {
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
}
.footer-links li a {
  font-size: var(--fs-sm);
  color: var(--text-muted);
  transition: color var(--transition);
}
.footer-links li a:hover { color: var(--gold); }
.footer-contact h4 {
  font-size: var(--fs-xs);
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: var(--space-md);
}
.footer-contact p {
  font-size: var(--fs-sm);
  line-height: 1.7;
  margin-bottom: var(--space-sm);
}
.footer-contact a {
  color: var(--text-light);
  transition: color var(--transition);
}
.footer-contact a:hover { color: var(--gold); }
.footer-social { margin-top: var(--space-md); }
.social-link {
  font-size: var(--fs-sm);
  font-weight: 600;
  color: var(--gold) !important;
  letter-spacing: 0.04em;
}
.footer-bottom {
  border-top: 1px solid var(--border-dark);
  padding-top: var(--space-md);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: var(--fs-xs);
  color: var(--text-muted);
}
.footer-bottom a { color: var(--text-muted); transition: color var(--transition); }
.footer-bottom a:hover { color: var(--gold); }

/* ═══════════════════════════════════════════
   RESPONSIVE
   ═══════════════════════════════════════════ */
@media (max-width: 1024px) {
  .risk-grid      { grid-template-columns: repeat(2, 1fr); }
  .services-grid  { grid-template-columns: repeat(2, 1fr); }
  .about-grid     { grid-template-columns: 280px 1fr; gap: var(--space-xl); }
  .footer-grid    { grid-template-columns: 1fr 1fr; }
  .trust-grid     { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  :root { --space-2xl: 4rem; }

  .nav-toggle { display: flex; }
  .nav-links {
    display: none;
    position: fixed;
    inset: 72px 0 0 0;
    background: var(--navy-deep);
    flex-direction: column;
    align-items: flex-start;
    padding: var(--space-lg);
    gap: var(--space-md);
    z-index: 99;
  }
  .nav-links.open { display: flex; }
  .nav-links a { font-size: var(--fs-lg); }

  .hero { padding: 100px var(--space-md) var(--space-xl); min-height: 90vh; }
  .hero-bg { grid-template-columns: 1fr 2px; }
  .hero-field--ca { display: none; }
  .hero-scroll-hint { display: none; }

  .risk-grid     { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: 1fr; }
  .trust-grid    { grid-template-columns: repeat(2, 1fr); }

  .insight-card--featured { grid-column: 1; grid-template-columns: 1fr; }
  .insights-grid { grid-template-columns: 1fr; }

  .about-grid    { grid-template-columns: 1fr; }
  .about-image-col { max-width: 300px; }

  .contact-grid  { grid-template-columns: 1fr; }

  .footer-grid   { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; gap: var(--space-xs); text-align: center; }

  .process-step  { grid-template-columns: 60px 1fr; }
  .step-marker   { font-size: var(--fs-3xl); }
}

@media (max-width: 480px) {
  .hero-credentials { flex-direction: column; align-items: flex-start; gap: 4px; }
  .cred-sep { display: none; }
  .trust-grid { grid-template-columns: 1fr 1fr; }
}

/* ── REDUCED MOTION ── */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition-duration: 0.01ms !important; }
}

/* ═══════════════════════════════════════════
   WHO THIS IS FOR
   ═══════════════════════════════════════════ */
.who-for { padding: var(--space-2xl) 0; }
.two-col-layout {
  display: grid;
  grid-template-columns: 1fr 1.8fr;
  gap: var(--space-2xl);
  align-items: start;
}
.two-col-left { position: sticky; top: 100px; }
.two-col-left h2 { font-size: clamp(var(--fs-2xl), 3vw, var(--fs-3xl)); margin-bottom: var(--space-md); }
.who-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-md);
}
.who-card {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: var(--space-md);
  display: flex;
  gap: var(--space-sm);
  align-items: flex-start;
  transition: all var(--transition);
}
.who-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-hover); border-color: var(--gold); }
.who-icon {
  color: var(--gold);
  font-size: var(--fs-xl);
  font-weight: 300;
  line-height: 1;
  flex-shrink: 0;
  margin-top: 2px;
}
.who-card h4 {
  font-family: var(--ff-body);
  font-size: var(--fs-sm);
  font-weight: 600;
  color: var(--navy-deep);
  margin-bottom: 4px;
  line-height: 1.4;
}
.who-card p {
  font-size: var(--fs-xs);
  color: var(--text-muted);
  line-height: 1.6;
}

/* ═══════════════════════════════════════════
   TRIGGER EVENTS
   ═══════════════════════════════════════════ */
.triggers { padding: var(--space-2xl) 0; }
.trigger-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-md);
}
.trigger-card {
  border: 1px solid var(--border-dark);
  border-radius: var(--radius-md);
  padding: var(--space-lg);
  background: rgba(255,255,255,0.03);
  transition: all var(--transition);
}
.trigger-card:hover {
  background: rgba(201,168,76,0.05);
  border-color: rgba(201,168,76,0.4);
  transform: translateY(-3px);
}
.trigger-num {
  font-family: var(--ff-display);
  font-size: var(--fs-3xl);
  font-weight: 700;
  color: rgba(201,168,76,0.25);
  line-height: 1;
  margin-bottom: var(--space-sm);
}
.trigger-card h4 {
  font-family: var(--ff-body);
  font-size: var(--fs-base);
  font-weight: 600;
  color: var(--white);
  margin-bottom: var(--space-xs);
  line-height: 1.4;
}
.trigger-card p {
  font-size: var(--fs-sm);
  color: var(--text-light);
  line-height: 1.7;
}

/* ═══════════════════════════════════════════
   ABOUT BULLETS
   ═══════════════════════════════════════════ */
.about-bullets {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
  margin-bottom: var(--space-lg);
  padding: var(--space-md);
  border: 1px solid var(--border-dark);
  border-radius: var(--radius-md);
  background: rgba(201,168,76,0.04);
}
.about-bullet-item {
  display: flex;
  gap: var(--space-sm);
  font-size: var(--fs-base);
  color: var(--parchment);
  align-items: baseline;
}
.about-bullet-dot {
  color: var(--gold);
  font-weight: 700;
  flex-shrink: 0;
}

/* ═══════════════════════════════════════════
   INSIGHT COMING SOON
   ═══════════════════════════════════════════ */
.insight-coming {
  font-size: var(--fs-xs);
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
  border: 1px solid var(--border-light);
  padding: 0.3rem 0.75rem;
  border-radius: var(--radius-sm);
  display: inline-block;
}
.insight-card--featured .insight-coming {
  border-color: var(--border-dark);
  color: var(--text-muted);
}

/* ═══════════════════════════════════════════
   FOOTER LEGAL
   ═══════════════════════════════════════════ */
.footer-legal {
  border-top: 1px solid var(--border-dark);
  border-bottom: 1px solid var(--border-dark);
  padding: var(--space-md) 0;
  margin-bottom: var(--space-md);
}
.footer-legal p {
  font-size: var(--fs-xs);
  color: var(--text-muted);
  line-height: 1.7;
  font-style: italic;
  max-width: 800px;
}

/* ═══════════════════════════════════════════
   RESPONSIVE — NEW SECTIONS
   ═══════════════════════════════════════════ */
@media (max-width: 1024px) {
  .two-col-layout { grid-template-columns: 1fr; }
  .two-col-left { position: static; }
  .trigger-grid { grid-template-columns: repeat(2, 1fr); }
  .who-grid { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .trigger-grid { grid-template-columns: 1fr; }
}