:root {
    --vault: #351820;
    --vault-2: #512631;
    --ledger: #F7F0EB;
    --ledger-2: #EDE0D9;
    --ink: #21171A;
    --slate: #74676A;
    --gold: #B97963;
    --gold-soft: #D9A18E;
    --emerald: #536C62;
    --rule: rgba(53, 24, 32, 0.14);
    --rule-light: rgba(247, 240, 235, 0.18);
    --shadow-lg: 0 30px 60px -20px rgba(53, 24, 32, 0.4);
    --ff-display: 'Fraunces', serif;
    --ff-body: 'Inter', sans-serif;
    --ff-mono: 'JetBrains Mono', monospace;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
    font-family: var(--ff-body);
    color: var(--ink);
    background: var(--ledger);
    line-height: 1.65;
    overflow-x: hidden;
}

h1, h2, h3, h4, .display-font {
    font-family: var(--ff-display);
    letter-spacing: -0.01em;
}

.mono { font-family: var(--ff-mono); letter-spacing: 0.02em; }

.eyebrow {
    font-family: var(--ff-mono);
    font-size: 0.78rem;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: var(--gold);
    display: inline-flex;
    align-items: center;
    gap: 10px;
}

.eyebrow::before {
    content: "";
    width: 22px;
    height: 1px;
    background: var(--gold);
    display: inline-block;
}

a { text-decoration: none; }

.container-x {
    max-width: 1320px;
    margin: 0 auto;
    padding: 0 24px;
}

::selection { background: var(--gold-soft); color: var(--vault); }

@media (prefers-reduced-motion: reduce) {
    * { animation-duration: 0.001ms !important; animation-iteration-count: 1 !important; transition-duration: 0.001ms !important; scroll-behavior: auto !important; }
}

a:focus-visible, button:focus-visible, input:focus-visible, textarea:focus-visible, select:focus-visible {
    outline: 2px solid var(--gold);
    outline-offset: 3px;
}

.btn-gold {
    background: var(--gold);
    color: var(--vault);
    border: 1px solid var(--gold);
    font-family: var(--ff-mono);
    font-size: 0.85rem;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    padding: 14px 30px;
    border-radius: 2px;
    transition: all .3s ease;
    display: inline-flex;
    align-items: center;
    justify-content: center;
}

.btn-gold:hover { background: transparent; color: var(--gold); }

.btn-outline-vault {
    background: transparent;
    color: var(--ink);
    border: 1px solid var(--ink);
    font-family: var(--ff-mono);
    font-size: 0.85rem;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    padding: 14px 30px;
    border-radius: 2px;
    transition: all .3s ease;
    display: inline-flex;
    align-items: center;
    justify-content: center;
}

.btn-outline-vault:hover { background: var(--ink); color: var(--ledger); }

.btn-outline-light {
    background: transparent;
    color: var(--ledger);
    border: 1px solid rgba(238, 241, 236, 0.5);
    font-family: var(--ff-mono);
    font-size: 0.85rem;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    padding: 14px 30px;
    border-radius: 2px;
    transition: all .3s ease;
    display: inline-flex;
    align-items: center;
    justify-content: center;
}

.btn-outline-light:hover { background: var(--ledger); color: var(--vault); border-color: var(--ledger); }

.reveal { opacity: 0; transform: translateY(28px); transition: opacity .8s ease, transform .8s ease; }
.reveal.is-visible { opacity: 1; transform: translateY(0); }
.reveal-delay-1.is-visible { transition-delay: .12s; }
.reveal-delay-2.is-visible { transition-delay: .24s; }
.reveal-delay-3.is-visible { transition-delay: .36s; }

section { position: relative; }
.section-pad { padding: 110px 0; }

@media (max-width: 768px) { .section-pad { padding: 70px 0; } }

/* NAVBAR */
.site-nav {
    position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
    background: rgba(11, 28, 46, 0.0);
    border-bottom: 1px solid transparent;
    transition: background .35s ease, border-color .35s ease, padding .35s ease;
    padding: 22px 0;
}

.site-nav.is-scrolled {
    background: rgba(11, 46, 35, 0.96);
    border-bottom: 1px solid var(--rule-light);
    padding: 14px 0;
    backdrop-filter: blur(6px);
}

.site-nav .nav-wrap { display: flex; align-items: center; justify-content: space-between; }

.brand-mark { display: flex; align-items: center; gap: 12px; color: var(--ledger); }

.brand-mark .glyph {
    width: 34px; height: 34px;
    border: 1px solid var(--gold-soft);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-family: var(--ff-display); font-style: italic;
    color: var(--gold-soft); font-size: 1rem;
}

.brand-mark .word { font-family: var(--ff-display); font-size: 1.15rem; letter-spacing: 0.01em; }

.nav-links { display: flex; align-items: center; gap: 34px; }

.nav-links a {
    color: rgba(238, 241, 236, 0.82);
    font-family: var(--ff-mono);
    font-size: 0.78rem;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    position: relative;
    padding-bottom: 4px;
}

.nav-links a::after {
    content: ""; position: absolute; left: 0; bottom: 0;
    height: 1px; width: 0; background: var(--gold-soft);
    transition: width .3s ease;
}

.nav-links a:hover::after { width: 100%; }
.nav-links a:hover { color: var(--ledger); }
.nav-links a.active { color: var(--gold-soft); }
.nav-links a.active::after { width: 100%; }

.nav-toggle {
    display: none; background: none;
    border: 1px solid rgba(238, 241, 236, 0.4);
    color: var(--ledger); width: 42px; height: 38px; border-radius: 2px;
}

@media (max-width: 991px) {
    .nav-links { display: none; }
    .nav-toggle { display: flex; align-items: center; justify-content: center; }
    .nav-links.is-open {
        display: flex; flex-direction: column; gap: 18px;
        position: absolute; top: 100%; left: 0; right: 0;
        background: rgba(11, 28, 46, 0.98);
        padding: 26px 24px 30px;
        border-bottom: 1px solid var(--rule-light);
    }
}

/* HERO */
.hero-new {
    min-height: 100vh; background: var(--vault); color: var(--ledger);
    padding-top: 150px; padding-bottom: 100px;
    display: flex; align-items: center;
    position: relative; overflow: hidden;
}

.hero-new::before {
    content: ""; position: absolute; top: 0; right: -20%;
    width: 70%; height: 100%;
    background: radial-gradient(circle at center, rgba(182, 136, 60, 0.08) 0%, transparent 70%);
    z-index: 1;
}

.hero-new-grid {
    display: grid; grid-template-columns: 1.2fr 0.8fr;
    gap: 80px; align-items: center; position: relative; z-index: 2;
}

.hero-tag-pill {
    display: inline-flex; align-items: center; gap: 10px;
    background: rgba(18, 65, 52, 0.6); border: 1px solid var(--gold);
    padding: 8px 18px; border-radius: 50px;
    font-family: var(--ff-mono); font-size: 0.75rem;
    color: var(--gold-soft); letter-spacing: 0.12em;
    text-transform: uppercase; margin-bottom: 28px;
}

.hero-tag-pill .dot {
    width: 6px; height: 6px; border-radius: 50%;
    background: var(--gold); animation: pulse 2s infinite;
}

@keyframes pulse {
    0%, 100% { opacity: 1; transform: scale(1); }
    50% { opacity: 0.5; transform: scale(1.3); }
}

.hero-new h1 {
    font-size: clamp(2rem, 4.2vw, 3.4rem);
    line-height: 1.05; font-weight: 500; margin-bottom: 28px;
}

.hero-new h1 .gold-italic {
    color: var(--gold-soft); font-style: italic;
    display: inline-block; position: relative;
}

.hero-new h1 .gold-italic::after {
    content: ""; position: absolute; bottom: -4px; left: 0; right: 0;
    height: 2px; background: var(--gold); opacity: 0.4;
}

.hero-lede {
    font-size: 1rem; color: rgba(238, 241, 236, 0.8);
    margin-bottom: 40px; max-width: 580px; font-weight: 300;
}

.hero-actions {
    display: flex; gap: 16px; align-items: center;
    flex-wrap: wrap; margin-bottom: 60px;
}

.hero-stats-strip {
    display: grid; grid-template-columns: repeat(3, 1fr);
    gap: 30px; border-top: 1px solid var(--rule-light); padding-top: 30px;
}

.hero-stat .num {
    font-family: var(--ff-mono); font-size: 1.7rem;
    color: var(--gold-soft); margin-bottom: 4px;
}

.hero-stat .lbl {
    font-size: 0.78rem; color: rgba(238, 241, 236, 0.6);
    text-transform: uppercase; letter-spacing: 0.08em;
}

.hero-showcase { position: relative; height: 460px; }

.hero-card-main {
    position: absolute; top: 0; left: 0;
    background: var(--vault-2); border: 1px solid var(--rule-light);
    border-radius: 12px; padding: 35px;
    width: 75%; height: 75%; box-shadow: 0 25px 50px rgba(0, 0, 0, 0.4);
}

.hero-card-overlay {
    position: absolute; bottom: 0; right: 0;
    background: rgba(18, 65, 52, 0.95); border: 1px solid var(--gold);
    border-radius: 12px; padding: 25px; width: 60%;
    backdrop-filter: blur(10px); box-shadow: 0 20px 40px rgba(0, 0, 0, 0.5);
}

.hero-card-mini {
    position: absolute; top: 20%; right: -10px;
    background: var(--gold); color: var(--vault);
    border-radius: 8px; padding: 12px 18px;
    font-family: var(--ff-mono); font-size: 0.78rem;
    text-transform: uppercase; letter-spacing: 0.08em;
    box-shadow: 0 10px 25px rgba(182, 136, 60, 0.3);
    display: flex; align-items: center; gap: 8px;
}

.showcase-label {
    font-family: var(--ff-mono); font-size: 0.72rem;
    color: var(--gold-soft); text-transform: uppercase;
    letter-spacing: 0.12em; margin-bottom: 10px;
}

.showcase-value {
    font-family: var(--ff-mono); font-size: 2.4rem;
    color: #fff; margin-bottom: 6px;
}

.showcase-meta { font-size: 0.88rem; color: rgba(238, 241, 236, 0.7); }

.showcase-bar {
    margin-top: 20px; height: 4px;
    background: rgba(238, 241, 236, 0.1);
    border-radius: 4px; overflow: hidden;
}

.showcase-bar-fill {
    height: 100%; width: 72%;
    background: linear-gradient(90deg, var(--gold), var(--gold-soft));
}

@media (max-width: 991px) {
    .hero-new-grid { grid-template-columns: 1fr; gap: 60px; }
    .hero-showcase { height: auto; }
    .hero-card-main, .hero-card-overlay, .hero-card-mini {
        position: relative; width: 100%; right: auto; top: auto; left: auto; margin-bottom: 16px;
    }
    .hero-card-mini { right: auto; }
    .hero-stats-strip { grid-template-columns: 1fr; gap: 20px; }
}

/* ABOUT */
.about-new { background: var(--ledger); position: relative; }

.about-new::before {
    content: ""; position: absolute; top: 100px; left: 0;
    width: 100%; height: 1px; background: var(--rule);
}

.about-mast {
    display: grid; grid-template-columns: 1fr 1fr;
    gap: 80px; margin-bottom: 80px; align-items: end;
    border-bottom: 1px solid var(--rule); padding-bottom: 40px;
}

.about-mast h2 { font-size: clamp(2.2rem, 4vw, 3.4rem); line-height: 1.12; }

.about-mast .lede-block { color: var(--slate); font-size: 1.05rem; padding-bottom: 10px; }

.about-mast .lede-block .meta-line {
    font-family: var(--ff-mono); font-size: 0.78rem;
    color: var(--gold); margin-bottom: 12px;
    letter-spacing: 0.1em; text-transform: uppercase;
}

.about-zigzag { display: flex; flex-direction: column; gap: 0; }

.zig-item {
    display: grid; grid-template-columns: 1fr 1fr;
    gap: 60px; padding: 50px 0;
    border-bottom: 1px solid var(--rule); align-items: center;
}

.zig-item:last-child { border-bottom: none; }
.zig-item.reverse .zig-text { order: 2; }
.zig-item.reverse .zig-visual { order: 1; }

.zig-num {
    font-family: var(--ff-mono); font-size: 0.85rem;
    color: var(--gold); letter-spacing: 0.1em;
    margin-bottom: 14px; display: flex; align-items: center; gap: 12px;
}

.zig-num::after {
    content: ""; flex: 1; max-width: 80px;
    height: 1px; background: var(--gold); opacity: 0.4;
}

.zig-text h3 { font-size: 1.8rem; margin-bottom: 18px; line-height: 1.2; }

.zig-text p {
    color: var(--slate); font-size: 1rem;
    margin-bottom: 20px; max-width: 480px;
}

.zig-text .tag-list { display: flex; gap: 10px; flex-wrap: wrap; }

.zig-text .tag-list span {
    font-family: var(--ff-mono); font-size: 0.72rem;
    color: var(--vault); background: var(--ledger-2);
    padding: 6px 12px; border-radius: 4px;
    letter-spacing: 0.06em; text-transform: uppercase;
}

.zig-visual {
    position: relative; min-height: 240px;
    display: flex; align-items: center; justify-content: center;
}

.zig-visual .v-box {
    background: var(--vault); color: var(--ledger);
    border-radius: 12px; padding: 30px;
    box-shadow: var(--shadow-lg);
    position: relative; width: 100%; max-width: 380px;
}

.zig-visual .v-box.gold { background: var(--gold); color: var(--vault); }
.zig-visual .v-box.light { background: #fff; color: var(--ink); border: 1px solid var(--rule); }

.zig-visual .v-box .v-icon { font-size: 2.5rem; margin-bottom: 14px; color: var(--gold-soft); }
.zig-visual .v-box.gold .v-icon { color: var(--vault); }
.zig-visual .v-box.light .v-icon { color: var(--gold); }
.zig-visual .v-box h5 { font-family: var(--ff-display); font-size: 1.2rem; margin-bottom: 8px; }
.zig-visual .v-box p { font-size: 0.9rem; opacity: 0.8; margin: 0; }

.zig-visual .v-box .v-stamp {
    position: absolute; top: -10px; right: -10px;
    background: var(--gold); color: var(--vault);
    font-family: var(--ff-mono); font-size: 0.7rem;
    padding: 6px 12px; border-radius: 4px; letter-spacing: 0.06em;
}

.zig-visual .v-box.gold .v-stamp { background: var(--vault); color: var(--gold-soft); }

.about-metrics-strip {
    display: grid; grid-template-columns: repeat(4, 1fr);
    gap: 0; background: var(--vault); color: var(--ledger);
    border-radius: 12px; overflow: hidden; margin-top: 60px;
}

.about-metric { padding: 30px; border-right: 1px solid var(--rule-light); text-align: center; }
.about-metric:last-child { border-right: none; }

.about-metric .val {
    font-family: var(--ff-mono); font-size: 2rem;
    color: var(--gold-soft); margin-bottom: 6px;
}

.about-metric .lbl {
    font-size: 0.8rem; color: rgba(238, 241, 236, 0.7);
    text-transform: uppercase; letter-spacing: 0.08em;
}

@media (max-width: 991px) {
    .about-mast { grid-template-columns: 1fr; gap: 30px; }
    .zig-item { grid-template-columns: 1fr; gap: 30px; }
    .zig-item.reverse .zig-text { order: 1; }
    .zig-item.reverse .zig-visual { order: 2; }
    .about-metrics-strip { grid-template-columns: 1fr 1fr; }
    .about-metric:nth-child(2) { border-right: none; }
    .about-metric:nth-child(1), .about-metric:nth-child(2) { border-bottom: 1px solid var(--rule-light); }
}

/* WHY CHOOSE US */
.why-new { background: var(--vault); color: var(--ledger); position: relative; overflow: hidden; }

.why-new::before {
    content: ""; position: absolute; top: 0; left: 50%;
    transform: translateX(-50%); width: 1px; height: 100%;
    background: linear-gradient(to bottom, transparent, var(--gold-soft), transparent);
    opacity: 0.2;
}

.why-head { text-align: center; max-width: 720px; margin: 0 auto 70px; }
.why-head h2 { color: var(--ledger); font-size: clamp(2rem, 3.4vw, 2.8rem); margin-top: 16px; }
.why-head p { color: rgba(238, 241, 236, 0.7); font-size: 1.02rem; margin-top: 18px; }

.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }

.why-card {
    background: rgba(18, 65, 52, 0.4); border: 1px solid var(--rule-light);
    border-radius: 12px; padding: 32px 28px;
    transition: all .3s ease; position: relative; backdrop-filter: blur(6px);
}

.why-card:hover {
    transform: translateY(-6px); border-color: var(--gold);
    background: rgba(18, 65, 52, 0.6);
}

.why-card .w-num {
    font-family: var(--ff-mono); font-size: 0.78rem;
    color: var(--gold-soft); letter-spacing: 0.1em; margin-bottom: 14px;
}

.why-card .w-icon { font-size: 1.8rem; color: var(--gold-soft); margin-bottom: 18px; display: inline-block; }

.why-card h3 { font-size: 1.25rem; margin-bottom: 12px; color: var(--ledger); }

.why-card p {
    color: rgba(238, 241, 236, 0.75); font-size: 0.95rem;
    line-height: 1.6; margin: 0;
}

.why-card::after {
    content: ""; position: absolute; bottom: 0; left: 0;
    height: 2px; width: 0; background: var(--gold);
    transition: width .4s ease;
}

.why-card:hover::after { width: 100%; }

@media (max-width: 991px) { .why-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 575px) { .why-grid { grid-template-columns: 1fr; } }

/* SERVICES */
.services { background: var(--ledger-2); }

.services .section-head {
    display: grid; grid-template-columns: 1fr 1fr;
    gap: 60px; margin-bottom: 60px; align-items: end;
}

.services .section-head h2 { font-size: clamp(2rem, 3.4vw, 2.9rem); margin-top: 16px; }
.services .section-head p { color: var(--slate); font-size: 1.02rem; max-width: 640px; }

.bento {
    display: grid; grid-template-columns: repeat(4, 1fr);
    grid-auto-rows: 150px; gap: 16px; margin-bottom: 90px;
}

.bento-cell {
    position: relative; border-radius: 8px; padding: 22px 24px;
    display: flex; flex-direction: column; justify-content: space-between;
    color: var(--ledger); overflow: hidden; cursor: pointer;
    border: 1px solid var(--rule);
    transition: transform .35s ease, box-shadow .35s ease;
}

.bento-cell:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.bento-cell .bi { font-size: 1.5rem; opacity: .8; }

.bento-cell h4 {
    font-size: 1.15rem; color: inherit; margin: 0; font-family: var(--ff-display);
}

.bento-cell .meta {
    font-family: var(--ff-mono); font-size: 0.7rem;
    letter-spacing: 0.08em; text-transform: uppercase; opacity: .75;
}

.bento-cell.tone-vault { background: var(--vault); }
.bento-cell.tone-vault2 { background: var(--vault-2); }
.bento-cell.tone-gold { background: linear-gradient(135deg, var(--gold) 0%, #93662a 100%); }
.bento-cell.tone-emerald { background: var(--emerald); }
.bento-cell.tone-paper { background: var(--ledger); color: var(--ink); border-color: var(--rule); }
.bento-cell.tone-paper h4 { color: var(--ink); }
.bento-cell.tone-paper .bi { color: var(--gold); }

.b-loan { grid-column: span 2; grid-row: span 2; }
.b-insurance { grid-column: span 2; grid-row: span 1; }
.b-investment { grid-column: span 1; grid-row: span 1; }
.b-wealth { grid-column: span 1; grid-row: span 2; }
.b-payments { grid-column: span 1; grid-row: span 1; }
.b-debt { grid-column: span 1; grid-row: span 1; }
.b-homewarranty { grid-column: span 1; grid-row: span 1; }
.b-autowarranty { grid-column: span 1; grid-row: span 1; }

@media (max-width: 991px) {
    .bento { grid-template-columns: repeat(2, 1fr); grid-auto-rows: 140px; }
    .b-loan, .b-wealth { grid-column: span 2; grid-row: span 1; }
    .services .section-head { grid-template-columns: 1fr; gap: 24px; }
}

@media (max-width: 575px) {
    .bento { grid-template-columns: 1fr; }
    .b-loan, .b-insurance, .b-investment, .b-wealth, .b-payments, .b-debt, .b-homewarranty, .b-autowarranty {
        grid-column: span 1; grid-row: span 1; min-height: 120px;
    }
}

.cat-panel { margin-bottom: 100px; }
.cat-panel:last-child { margin-bottom: 0; }

.cat-head {
    display: grid; grid-template-columns: auto 1fr auto;
    gap: 24px; align-items: center; margin-bottom: 36px;
    border-bottom: 1px solid var(--rule); padding-bottom: 24px;
}

.cat-head .cat-no {
    font-family: var(--ff-mono); color: var(--gold);
    font-size: 1rem; padding: 8px 14px;
    background: var(--ledger); border: 1px solid var(--gold); border-radius: 4px;
}

.cat-head h3 { font-size: clamp(1.5rem, 2.6vw, 2.1rem); margin: 0; }

.cat-head .cat-meta {
    font-family: var(--ff-mono); font-size: 0.78rem;
    color: var(--slate); text-transform: uppercase; letter-spacing: 0.08em;
}

.cat-head .cat-desc {
    grid-column: 1 / -1; color: var(--slate);
    font-size: 0.95rem; max-width: 720px;
}

.loan-layout { display: grid; grid-template-columns: 220px 1fr; gap: 40px; }

.loan-side {
    display: flex; flex-direction: column; gap: 8px;
    position: sticky; top: 100px;
}

.loan-side-item {
    font-family: var(--ff-mono); font-size: 0.78rem;
    color: var(--slate); text-transform: uppercase;
    letter-spacing: 0.06em; padding: 10px 14px;
    border-left: 2px solid var(--rule); cursor: pointer;
    transition: all .3s ease;
}

.loan-side-item.active {
    color: var(--vault); border-left-color: var(--gold); background: var(--ledger);
}

.loan-side-item:hover { color: var(--vault); }

.loan-accordion .accordion-item {
    background: transparent; border: none;
    border-bottom: 1px solid var(--rule); border-radius: 0;
}

.loan-accordion .accordion-button {
    background: transparent; font-family: var(--ff-display);
    font-size: 1.2rem; color: var(--vault);
    padding: 22px 4px; box-shadow: none;
}

.loan-accordion .accordion-button::after {
    filter: invert(0.4) sepia(1) saturate(3) hue-rotate(10deg);
}

.loan-accordion .accordion-button:not(.collapsed) { color: var(--gold); background: transparent; }
.loan-accordion .accordion-button:focus { box-shadow: none; }

.loan-accordion .accordion-body {
    padding: 0 4px 26px; color: var(--ink);
    display: grid; grid-template-columns: 90px 1fr; gap: 18px;
}

.loan-accordion .accordion-body .tag {
    font-family: var(--ff-mono); font-size: 0.72rem;
    color: var(--slate); text-transform: uppercase;
}

@media (max-width: 991px) {
    .loan-layout { grid-template-columns: 1fr; }
    .loan-side { position: relative; top: 0; flex-direction: row; overflow-x: auto; }
    .loan-side-item { white-space: nowrap; border-left: none; border-bottom: 2px solid var(--rule); }
    .loan-side-item.active { border-left: none; border-bottom-color: var(--gold); }
}

@media (max-width:575px) {
    .loan-accordion .accordion-body { grid-template-columns: 1fr; }
}

.policy-grid {
    display: grid; grid-template-columns: repeat(3, 1fr);
    gap: 0; border: 1px solid var(--rule);
    background: var(--ledger); overflow: hidden;
}

.policy-tile {
    padding: 30px 26px; min-height: 240px;
    display: flex; flex-direction: column; gap: 12px;
    position: relative; background: var(--ledger);
    border-right: 1px solid var(--rule); border-bottom: 1px solid var(--rule);
    transition: all .3s ease;
}

.policy-tile:hover { background: var(--vault); color: var(--ledger); }
.policy-tile:hover h4, .policy-tile:hover p { color: rgba(238, 241, 236, 0.85); }
.policy-tile:hover .pn { color: var(--gold-soft); }
.policy-tile:nth-child(3n) { border-right: none; }
.policy-tile:nth-last-child(-n+3) { border-bottom: none; }

.policy-tile .pn {
    position: absolute; top: 18px; right: 22px;
    font-family: var(--ff-mono); font-size: 0.78rem;
    color: var(--rule); transition: color .3s ease;
}

.policy-tile .bi { font-size: 1.6rem; color: var(--gold); margin-bottom: 6px; }
.policy-tile h4 { font-size: 1.05rem; margin: 0; transition: color .3s ease; }
.policy-tile p { font-size: 0.88rem; color: var(--slate); margin: 0; transition: color .3s ease; }

@media (max-width:767px) {
    .policy-grid { grid-template-columns: repeat(2, 1fr); }
    .policy-tile:nth-child(3n) { border-right: 1px solid var(--rule); }
    .policy-tile:nth-child(2n) { border-right: none; }
    .policy-tile:nth-last-child(-n+3) { border-bottom: 1px solid var(--rule); }
    .policy-tile:nth-last-child(-n+2) { border-bottom: none; }
}

@media (max-width:480px) {
    .policy-grid { grid-template-columns: 1fr; }
    .policy-tile { border-right: none !important; }
    .policy-tile:last-child { border-bottom: none; }
}

.invest-cards {
    display: grid; grid-template-columns: 1fr 1.2fr 1fr;
    gap: 0; border: 1px solid var(--rule);
    border-radius: 12px; overflow: hidden;
}

.invest-card {
    padding: 36px 30px; background: var(--ledger);
    position: relative; transition: all .3s ease;
}

.invest-card.featured {
    background: var(--vault); color: var(--ledger);
    transform: scale(1.02); z-index: 2; box-shadow: var(--shadow-lg);
}

.invest-card .ic-badge {
    position: absolute; top: 18px; right: 18px;
    background: var(--gold); color: var(--vault);
    font-family: var(--ff-mono); font-size: 0.68rem;
    padding: 4px 10px; border-radius: 4px;
    letter-spacing: 0.06em; text-transform: uppercase;
}

.invest-card .ic-icon { font-size: 2rem; color: var(--gold); margin-bottom: 20px; }
.invest-card.featured .ic-icon { color: var(--gold-soft); }

.invest-card h4 { font-size: 1.3rem; margin-bottom: 16px; font-family: var(--ff-display); }
.invest-card.featured h4 { color: var(--gold-soft); }

.invest-card p { font-size: 0.92rem; color: var(--slate); line-height: 1.6; margin: 0; }
.invest-card.featured p { color: rgba(238, 241, 236, 0.85); }

@media (max-width: 767px) {
    .invest-cards { grid-template-columns: 1fr; }
    .invest-card.featured { transform: scale(1); }
}

.wealth-timeline { position: relative; padding: 30px 0; }

.wealth-timeline::before {
    content: ""; position: absolute; left: 50%;
    top: 0; bottom: 0; width: 2px; background: var(--rule);
    transform: translateX(-50%);
}

.wt-item {
    display: grid; grid-template-columns: 1fr 60px 1fr;
    gap: 30px; align-items: center; margin-bottom: 40px; position: relative;
}

.wt-item:last-child { margin-bottom: 0; }

.wt-item .wt-node {
    width: 44px; height: 44px; border-radius: 50%;
    background: var(--ledger); border: 2px solid var(--gold);
    display: flex; align-items: center; justify-content: center;
    font-family: var(--ff-mono); font-size: 0.9rem;
    color: var(--gold); position: relative; z-index: 2;
}

.wt-item .wt-card {
    background: #fff; border: 1px solid var(--rule);
    border-radius: 8px; padding: 22px 24px;
    box-shadow: 0 8px 20px rgba(11, 28, 46, 0.06);
}

.wt-item:nth-child(even) .wt-card.left { visibility: hidden; }
.wt-item:nth-child(odd) .wt-card.right { visibility: hidden; }

.wt-card .wt-cat {
    font-family: var(--ff-mono); font-size: 0.72rem;
    color: var(--gold); letter-spacing: 0.1em;
    text-transform: uppercase; margin-bottom: 8px;
}

.wt-card h4 { font-size: 1.1rem; margin-bottom: 10px; }
.wt-card p { font-size: 0.9rem; color: var(--slate); margin: 0; }

@media (max-width: 767px) {
    .wealth-timeline::before { left: 22px; }
    .wt-item { grid-template-columns: 44px 1fr; }
    .wt-item .wt-card.right { display: none; }
    .wt-item:nth-child(even) .wt-card.left, .wt-item:nth-child(odd) .wt-card.left {
        visibility: visible; grid-column: 2;
    }
    .wt-item .wt-node { grid-column: 1; }
}

.pay-carousel { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }

.pay-card {
    background: var(--vault-2); color: var(--ledger);
    border-radius: 12px; padding: 28px 24px;
    display: flex; flex-direction: column; gap: 14px;
    transition: all .3s ease; position: relative; overflow: hidden;
}

.pay-card::before {
    content: ""; position: absolute; top: 0; right: 0;
    width: 80px; height: 80px;
    background: radial-gradient(circle, rgba(216, 185, 120, 0.1), transparent);
    border-radius: 50%; transform: translate(30%, -30%);
}

.pay-card:hover { transform: translateY(-6px); background: var(--vault); }
.pay-card .bi { font-size: 1.8rem; color: var(--gold-soft); }
.pay-card h4 { font-size: 1.1rem; color: var(--ledger); margin: 0; }
.pay-card p { font-size: 0.88rem; color: rgba(238, 241, 236, 0.75); margin: 0; line-height: 1.6; }

.pay-card .pay-num {
    font-family: var(--ff-mono); font-size: 0.78rem;
    color: var(--gold-soft); letter-spacing: 0.08em;
}

@media (max-width: 991px) { .pay-carousel { grid-template-columns: 1fr 1fr; } }
@media (max-width: 575px) { .pay-carousel { grid-template-columns: 1fr; } }

.debt-steps { display: flex; flex-direction: column; gap: 0; }

.debt-step {
    display: grid; grid-template-columns: 120px 1fr;
    gap: 30px; padding: 30px 0;
    border-top: 1px solid var(--rule);
    position: relative; transition: all .3s ease;
}

.debt-step:hover { background: var(--ledger); padding-left: 20px; padding-right: 20px; }
.debt-step:last-child { border-bottom: 1px solid var(--rule); }

.debt-step .ds-num {
    font-family: var(--ff-display); font-size: 4rem;
    color: transparent; -webkit-text-stroke: 1.5px var(--gold); line-height: 1;
}

.debt-step .ds-content h4 { font-size: 1.3rem; margin-bottom: 12px; }

.debt-step .ds-content p {
    color: var(--slate); margin: 0; max-width: 1050px; line-height: 1.7;
}

.debt-step .ds-tag {
    display: inline-block; font-family: var(--ff-mono);
    font-size: 0.72rem; color: var(--gold);
    background: var(--ledger); padding: 4px 10px;
    border-radius: 4px; letter-spacing: 0.06em;
    text-transform: uppercase; margin-bottom: 12px;
}

@media (max-width:575px) {
    .debt-step { grid-template-columns: 70px 1fr; gap: 16px; }
    .debt-step .ds-num { font-size: 2.5rem; }
}

.warranty-block { display: grid; grid-template-columns: 280px 1fr; gap: 40px; align-items: start; }
.warranty-pills { display: flex; flex-direction: column; gap: 8px; }

.warranty-pill {
    text-align: left; background: transparent;
    border: 1px solid var(--rule); border-radius: 8px;
    padding: 16px 20px; cursor: pointer;
    font-family: var(--ff-mono); font-size: 0.85rem;
    color: var(--slate); transition: all .3s ease;
    display: flex; align-items: center; gap: 14px;
    text-transform: uppercase; letter-spacing: 0.06em;
}

.warranty-pill .bi { font-size: 1.2rem; }

.warranty-pill.active, .warranty-pill:hover {
    background: var(--vault); color: var(--gold-soft); border-color: var(--vault);
}

.warranty-pane {
    background: var(--ledger); border: 1px solid var(--rule);
    border-radius: 12px; padding: 36px 32px; min-height: 240px;
}

.warranty-pane .wp-icon { font-size: 2.5rem; color: var(--gold); margin-bottom: 18px; }
.warranty-pane h4 { font-size: 1.4rem; margin-bottom: 14px; font-family: var(--ff-display); }
.warranty-pane p { color: var(--slate); font-size: 0.96rem; line-height: 1.7; margin: 0; }

.warranty-pane .wp-list { margin-top: 20px; display: flex; flex-wrap: wrap; gap: 10px; }

.warranty-pane .wp-list span {
    font-family: var(--ff-mono); font-size: 0.72rem;
    color: var(--vault); background: var(--ledger-2);
    padding: 6px 12px; border-radius: 4px;
}

@media (max-width: 991px) {
    .warranty-block { grid-template-columns: 1fr; }
    .warranty-pills { flex-direction: row; overflow-x: auto; }
    .warranty-pill { white-space: nowrap; }
}

.claims-block { display: grid; grid-template-columns: 1fr; gap: 0; }

.claim-row {
    display: grid; grid-template-columns: 80px 2.7fr 1fr;
    gap: 30px; padding: 32px 0;
    border-bottom: 1px solid var(--rule); align-items: start;
}

.claim-row:first-child { border-top: 1px solid var(--rule); }

.claim-icon-box {
    width: 70px; height: 70px; background: var(--vault);
    border-radius: 12px; display: flex;
    align-items: center; justify-content: center;
    color: var(--gold-soft); font-size: 1.8rem;
}

.claim-content h4 { font-size: 1.25rem; margin-bottom: 12px; font-family: var(--ff-display); }
.claim-content p { color: var(--slate); font-size: 0.95rem; margin: 0; line-height: 1.7; }

.claim-features { display: flex; flex-direction: column; gap: 8px; }

.claim-features .cf-item {
    display: flex; align-items: center; gap: 10px;
    font-size: 0.88rem; color: var(--slate);
}

.claim-features .cf-item .bi { color: var(--emerald); font-size: 1rem; }

@media (max-width: 767px) {
    .claim-row { grid-template-columns: 60px 1fr; }
    .claim-features { grid-column: 1 / -1; margin-top: 12px; }
    .claim-icon-box { width: 50px; height: 50px; font-size: 1.3rem; }
}

/* PROCESS */
.process-new { background: var(--ledger); position: relative; }
.process-head { text-align: center; max-width: 720px; margin: 0 auto 80px; }
.process-head h2 { font-size: clamp(2rem, 3.4vw, 2.8rem); margin-top: 16px; }

.process-flow {
    position: relative; display: grid;
    grid-template-columns: repeat(5, 1fr); gap: 16px;
}

.process-flow::before {
    content: ""; position: absolute; top: 50px;
    left: 10%; right: 10%; height: 2px; background: var(--rule);
}

.pf-step { text-align: center; padding: 0 12px; position: relative; }

.pf-circle {
    width: 100px; height: 100px; border-radius: 50%;
    background: var(--ledger); border: 2px solid var(--rule);
    margin: 0 auto 24px; display: flex; align-items: center;
    justify-content: center; position: relative; z-index: 2;
    transition: all .3s ease;
}

.pf-step:hover .pf-circle {
    border-color: var(--gold); background: var(--vault); transform: scale(1.05);
}

.pf-circle .pf-num {
    font-family: var(--ff-mono); font-size: 1.6rem;
    color: var(--vault); transition: color .3s ease;
}

.pf-step:hover .pf-circle .pf-num { color: var(--gold-soft); }

.pf-step .pf-icon {
    position: absolute; top: -8px; right: -8px;
    width: 32px; height: 32px; border-radius: 50%;
    background: var(--gold); color: var(--vault);
    display: flex; align-items: center; justify-content: center; font-size: 0.9rem;
}

.pf-step h4 { font-size: 1.1rem; margin-bottom: 10px; }
.pf-step p { color: var(--slate); font-size: 0.88rem; line-height: 1.5; }

@media (max-width: 900px) {
    .process-flow { grid-template-columns: 1fr 1fr; }
    .process-flow::before { display: none; }
}

@media (max-width: 575px) { .process-flow { grid-template-columns: 1fr; } }

/* STATS */
.stats-new { background: var(--vault-2); color: var(--ledger); overflow: hidden; }
.stats-head { text-align: center; max-width: 680px; margin: 0 auto 60px; }
.stats-head h2 { font-size: clamp(2rem, 3.4vw, 2.6rem); margin-top: 16px; color: var(--ledger); }
.stats-head p { color: rgba(238, 241, 236, 0.7); font-size: 1rem; margin-top: 16px; }

.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

.stat-card {
    background: var(--vault); border: 1px solid var(--rule-light);
    border-radius: 12px; padding: 32px 24px; text-align: center;
    position: relative; transition: all .3s ease;
}

.stat-card:hover { transform: translateY(-6px); border-color: var(--gold); }
.stat-card:nth-child(odd) { transform: translateY(-10px); }
.stat-card:nth-child(odd):hover { transform: translateY(-16px); }

.stat-card .stat-ring {
    width: 60px; height: 60px; border-radius: 50%;
    border: 1px solid var(--gold-soft); margin: 0 auto 18px;
    display: flex; align-items: center; justify-content: center;
    color: var(--gold-soft); font-size: 1.3rem;
}

.stat-card .stat-num {
    font-family: var(--ff-mono); font-size: 2.2rem;
    color: var(--ledger); margin-bottom: 6px;
}

.stat-card .stat-label {
    font-size: 0.82rem; color: rgba(238, 241, 236, 0.62);
    text-transform: uppercase; letter-spacing: 0.08em;
}

@media (max-width: 900px) {
    .stats-grid { grid-template-columns: 1fr 1fr; }
    .stat-card:nth-child(odd) { transform: none; }
    .stat-card:nth-child(odd):hover { transform: translateY(-6px); }
}

/* TESTIMONIALS */
.testimonials-new { background: var(--ledger-2); }
.test-head { text-align: center; max-width: 720px; margin: 0 auto 60px; }
.test-head h2 { font-size: clamp(2rem, 3.4vw, 2.8rem); margin-top: 16px; }

.test-wrap { max-width: 920px; margin: 0 auto; position: relative; text-align: center; }

.test-quote-mark {
    font-family: var(--ff-display); font-style: italic;
    font-size: 6rem; color: var(--gold);
    line-height: 0.6; display: block;
    margin-bottom: 20px; opacity: 0.4;
}

.test-slide { padding: 0 40px; }

.test-slide p.quote {
    font-family: var(--ff-display); font-size: 1.4rem;
    line-height: 1.55; color: var(--vault);
    font-style: italic; margin-bottom: 32px;
}

.test-slide .who {
    font-family: var(--ff-mono); font-size: 0.85rem;
    color: var(--slate); text-transform: uppercase; letter-spacing: 0.08em;
}

.test-nav-btn {
    position: absolute; top: 50%; transform: translateY(-50%);
    background: transparent; border: 1px solid var(--rule);
    width: 44px; height: 44px; border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    color: var(--vault); transition: all .3s ease;
}

.test-nav-btn:hover { background: var(--vault); color: var(--ledger); border-color: var(--vault); }
.t-nav-prev { left: -60px; }
.t-nav-next { right: -60px; }

.test-wrap .carousel-indicators { position: relative; margin-top: 46px; }

.test-wrap .carousel-indicators [data-bs-target] {
    width: 8px; height: 8px; border-radius: 50%;
    background: var(--rule); border: none; opacity: 1; margin: 0 6px;
}

.test-wrap .carousel-indicators .active { background: var(--gold); }

@media (max-width: 900px) {
    .t-nav-prev { left: -10px; }
    .t-nav-next { right: -10px; }
    .test-slide p.quote { font-size: 1.2rem; }
}

/* NEWSLETTER */
.newsletter-new { background: var(--vault); color: var(--ledger); }

.membership-card {
    max-width: 820px; margin: 0 auto;
    border: 1px solid var(--gold-soft);
    border-radius: 16px; padding: 60px;
    position: relative; background: var(--vault-2);
    background-image: repeating-linear-gradient(135deg,
        rgba(216, 185, 120, 0.04) 0px,
        rgba(216, 185, 120, 0.04) 1px,
        transparent 1px,
        transparent 18px);
}

.membership-card::before {
    content: "Credit Soar Pathway MEMBER CIRCLE";
    position: absolute; top: 24px; right: 32px;
    font-family: var(--ff-mono); font-size: 0.62rem;
    letter-spacing: 0.18em; color: var(--gold-soft); opacity: .7;
}

.membership-card h3 { font-size: 2rem; margin-bottom: 12px; color: var(--ledger); }
.membership-card p.sub { color: rgba(238, 241, 236, 0.7); margin-bottom: 36px; max-width: 540px; }

.membership-card .form-control {
    background: transparent; border: none;
    border-bottom: 1px solid var(--rule-light);
    color: var(--ledger); border-radius: 0;
    padding: 12px 4px; font-family: var(--ff-body);
}

.membership-card .form-control::placeholder { color: rgba(238, 241, 236, 0.4); }

.membership-card .form-control:focus {
    background: transparent; color: var(--ledger);
    border-bottom-color: var(--gold-soft); box-shadow: none;
}

.membership-card label {
    font-family: var(--ff-mono); font-size: 0.7rem;
    text-transform: uppercase; letter-spacing: 0.1em;
    color: var(--gold-soft); margin-bottom: 6px; display: block;
}

.form-feedback { font-size: 0.78rem; color: #e08a8a; margin-top: 6px; display: none; }

.membership-card .unsub-row {
    margin-top: 26px; font-size: 0.85rem;
    color: rgba(238, 241, 236, 0.55);
}

.membership-card .unsub-row button {
    background: none; border: none;
    color: rgba(238, 241, 236, 0.7);
    text-decoration: underline; font-size: 0.85rem;
    padding: 0; margin-left: 6px;
}

.success-banner {
    display: none; background: rgba(31, 111, 84, 0.18);
    border: 1px solid var(--emerald); color: #9fd8c1;
    padding: 14px 18px; border-radius: 6px;
    font-size: 0.88rem; margin-top: 22px;
}

.success-banner.show { display: block; }

/* FAQ */
.faq-new { background: var(--ledger); }
.faq-head { text-align: center; max-width: 720px; margin: 0 auto 60px; }
.faq-head h2 { font-size: clamp(2rem, 3.4vw, 2.8rem); margin-top: 16px; }

.faq-rail {
    position: relative; max-width: 880px;
    margin: 0 auto; padding-left: 70px;
}

.faq-rail::before {
    content: ""; position: absolute; top: 6px; bottom: 6px;
    left: 20px; width: 1px; background: var(--rule);
}

.faq-entry { position: relative; margin-bottom: 6px; }

.faq-entry .entry-node {
    position: absolute; left: -50px; top: 22px;
    width: 11px; height: 11px; border-radius: 50%;
    background: var(--ledger); border: 2px solid var(--gold); z-index: 2;
}

.faq-btn {
    width: 100%; text-align: left; background: transparent;
    border: none; border-bottom: 1px solid var(--rule);
    padding: 22px 10px; display: flex;
    justify-content: space-between; align-items: center; gap: 18px;
    font-family: var(--ff-display); font-size: 1.1rem; color: var(--vault);
}

.faq-btn .bi { transition: transform .3s ease; color: var(--gold); flex-shrink: 0; }
.faq-btn[aria-expanded="true"] .bi { transform: rotate(135deg); }

.faq-panel {
    padding: 0 10px 26px; color: var(--slate);
    font-size: 0.96rem; max-width: 720px;
}

/* CONTACT */
.contact-new { background: var(--ledger-2); padding: 0; }

.contact-split {
    display: grid; grid-template-columns: 0.85fr 1.15fr; min-height: 640px;
}

@media (max-width: 900px) { .contact-split { grid-template-columns: 1fr; } }

.contact-info {
    background: var(--vault); color: var(--ledger);
    padding: 90px 64px; display: flex;
    flex-direction: column; justify-content: center;
}

.contact-info h2 { font-size: clamp(1.8rem, 3vw, 2.5rem); margin-bottom: 20px; }
.contact-info p { color: rgba(238, 241, 236, 0.72); max-width: 380px; margin-bottom: 40px; }

.contact-info .c-row {
    display: flex; gap: 16px; align-items: flex-start; margin-bottom: 22px;
}

.contact-info .c-row i { color: var(--gold-soft); font-size: 1.1rem; margin-top: 3px; }

.contact-info .c-row span {
    display: block; color: rgba(238, 241, 236, 0.6);
    font-size: 0.78rem; text-transform: uppercase;
    letter-spacing: 0.06em; font-family: var(--ff-mono);
}

.contact-info .c-row b { font-weight: 500; color: var(--ledger); }

.contact-form-wrap {
    background: var(--ledger); padding: 90px 64px;
    display: flex; flex-direction: column; justify-content: center;
    margin-left: -60px; margin-top: 60px; margin-bottom: 60px;
    box-shadow: var(--shadow-lg); position: relative; z-index: 2;
}

@media (max-width: 900px) {
    .contact-form-wrap { margin: 0; padding: 60px 28px; }
    .contact-info { padding: 60px 28px; }
}

.contact-form-wrap h3 { font-size: 1.7rem; margin-bottom: 26px; }

.contact-form-wrap label {
    font-family: var(--ff-mono); font-size: 0.7rem;
    text-transform: uppercase; letter-spacing: 0.08em;
    color: var(--slate); margin-bottom: 6px; display: block;
}

.contact-form-wrap .form-control, .contact-form-wrap .form-select {
    border: none; border-bottom: 1px solid var(--rule);
    border-radius: 0; padding: 12px 4px; background: transparent;
}

.contact-form-wrap .form-control:focus, .contact-form-wrap .form-select:focus {
    box-shadow: none; border-bottom-color: var(--gold);
}

/* PAGE HEADER (for sub-pages) */
.page-header {
    background: var(--vault); color: var(--ledger);
    padding: 180px 0 80px; position: relative; overflow: hidden;
}

.page-header::before {
    content: ""; position: absolute; top: 0; right: -20%;
    width: 70%; height: 100%;
    background: radial-gradient(circle at center, rgba(182, 136, 60, 0.08) 0%, transparent 70%);
    z-index: 1;
}

.page-header .container-x { position: relative; z-index: 2; }

.page-header h1 {
    font-size: clamp(2.2rem, 4.4vw, 3.4rem);
    line-height: 1.1; margin-top: 16px;
    max-width: 840px;
}

.page-header p {
    color: rgba(238, 241, 236, 0.75); font-size: 1.05rem;
    max-width: 620px; margin-top: 22px;
}

.breadcrumb-trail {
    font-family: var(--ff-mono); font-size: 0.78rem;
    color: var(--gold-soft); text-transform: uppercase;
    letter-spacing: 0.12em;
}

.breadcrumb-trail a { color: var(--gold-soft); }
.breadcrumb-trail a:hover { color: var(--ledger); }
.breadcrumb-trail span.sep { margin: 0 8px; opacity: 0.6; }

/* LEGAL PAGES */
.legal-content { background: var(--ledger); }

.legal-block {
    max-width: 880px; margin: 0 auto;
    background: #fff; border: 1px solid var(--rule);
    border-radius: 12px; padding: 60px;
    box-shadow: 0 8px 30px rgba(53, 24, 32, 0.06);
}

@media (max-width: 768px) { .legal-block { padding: 32px 24px; } }

.legal-intro {
    padding-bottom: 30px; margin-bottom: 30px;
    border-bottom: 1px solid var(--rule); color: var(--slate);
    font-size: 1rem; line-height: 1.7;
}

.legal-point {
    margin-bottom: 28px; padding-bottom: 22px;
    border-bottom: 1px solid var(--rule);
}

.legal-point:last-child { border-bottom: none; margin-bottom: 0; padding-bottom: 0; }

.legal-point .lp-num {
    font-family: var(--ff-mono); color: var(--gold);
    font-size: 0.78rem; margin-right: 8px;
    display: inline-block; min-width: 26px;
}

.legal-point h6 {
    font-family: var(--ff-display); font-size: 1.15rem;
    display: inline; margin: 0;
}

.legal-point p {
    color: var(--slate); font-size: 0.95rem;
    margin: 10px 0 0 34px; line-height: 1.7;
}

/* FINAL CTA */
.final-cta {
    background: var(--vault); color: var(--ledger);
    padding: 120px 0; text-align: center;
    position: relative; overflow: hidden;
}

.final-cta::before {
    content: "Credit Soar Pathway";
    position: absolute; top: 50%; left: 50%;
    transform: translate(-50%, -50%);
    font-family: var(--ff-display); font-size: 13vw;
    color: rgba(238, 241, 236, 0.035);
    white-space: nowrap; font-weight: 600;
    letter-spacing: 0.02em; pointer-events: none;
}

.final-cta .eyebrow { justify-content: center; }

.final-cta h2 {
    font-size: clamp(2.2rem, 4.6vw, 3.6rem);
    max-width: 840px; margin: 18px auto 36px;
    position: relative; z-index: 2;
}

.final-cta h2 em { color: var(--gold-soft); font-style: italic; }

.final-cta .cta-row {
    display: flex; gap: 18px; justify-content: center;
    flex-wrap: wrap; position: relative; z-index: 2;
}

/* FOOTER */
.site-footer { background: var(--vault-2); color: var(--ledger); padding-top: 90px; }

.footer-grid {
    display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.3fr;
    gap: 50px; padding-bottom: 60px;
    border-bottom: 1px solid var(--rule-light);
}

@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; } }

.footer-grid h5 {
    font-family: var(--ff-mono); font-size: 0.74rem;
    text-transform: uppercase; letter-spacing: 0.1em;
    color: var(--gold-soft); margin-bottom: 20px;
}

.footer-grid ul {
    list-style: none; padding: 0; margin: 0;
    display: flex; flex-direction: column; gap: 12px;
}

.footer-grid ul a, .footer-grid ul li {
    color: rgba(238, 241, 236, 0.72); font-size: 0.9rem;
}

.footer-grid ul a:hover { color: var(--ledger); }

.footer-grid p.fp {
    color: rgba(238, 241, 236, 0.65); font-size: 0.9rem; max-width: 320px;
}

.footer-bottom {
    display: flex; justify-content: space-between;
    align-items: center; padding: 26px 0;
    flex-wrap: wrap; gap: 14px;
}

.footer-bottom p {
    margin: 0; color: rgba(238, 241, 236, 0.5); font-size: 0.82rem;
}

.footer-bottom .legal-links { display: flex; gap: 22px; }

.footer-bottom .legal-links a {
    color: rgba(238, 241, 236, 0.65); font-size: 0.82rem;
    background: none; border: none; padding: 0;
    font-family: var(--ff-body);
}

.footer-bottom .legal-links a:hover {
    color: var(--gold-soft); text-decoration: underline;
}