/* ===== Self-hosted Inter Font ===== */
@font-face {
  font-family: 'Inter';
  font-style: normal;
  font-weight: 400 800;
  font-display: swap;
  src: url('../fonts/Inter-Variable.woff2') format('woff2');
}

/* ===== Honeypot ===== */
.honeypot { display: none; }

/* ===== Skip to Content ===== */
.skip-to-content {
  position: absolute;
  top: -100%;
  left: 0;
  background: var(--color-primary);
  color: var(--color-bg-base);
  padding: 0.5rem 1rem;
  z-index: 200;
  font-size: 0.9rem;
  border-radius: 0 0 6px 0;
  min-height: 44px;
  display: inline-flex;
  align-items: center;
}

.skip-to-content:focus {
  top: 0;
  color: var(--color-bg-base);
}

/* ===== Reset & Base ===== */
*,
*::before,
*::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

:root {
  /* Brand — derived from Narstar logo
     Navy foundation: trust + authority (research-backed #1 finance color)
     Teal accent: blue-family trust + green-family growth (signals innovation)
     Green secondary: money + prosperity (used sparingly)
     All interactive colors pass WCAG AA 4.5:1 contrast with their backgrounds */
  --color-primary: #0e1f38;
  --color-primary-light: #1a3968;
  --color-accent: #3b9daa; /* Decorative/light fills — logo teal */
  --color-accent-btn: #2c7781; /* Button bg — darkened teal, 5.17:1 on white text */
  --color-accent-text: #247580; /* Link/text color — 5.34:1 on white bg */
  --color-accent-on-dark: #5dcaa5; /* Text/hover on dark bg — 8.22:1 on navy */
  --color-accent-on-dark-hover: #4aa284; /* Navbar btn hover — 20% darker mint, same hue, full opacity */
  --color-accent-hover: #1e535a; /* Button hover — 30% darker, same hue, unmistakably visible */

  /* Status */
  --color-income: #ca8a04;       /* Income portfolio — golden yellow */
  --color-success: #6ab04c;      /* Brand green — growth, success, checkmarks */
  --color-speculative: #ea580c;  /* Speculative — clear orange-red, distinct from yellow */
  --color-error: #e74c3c;
  --color-text-primary: #1e293b;   /* alias of --color-text-main, used in components */

  /* Accessible text variants — darkened for 4.5:1 contrast on white */
  --color-income-text: #9a6800;       /* #ca8a04 darkened → 4.9:1 on white */
  --color-growth-text: #4a7d35;       /* #6ab04c darkened → 5.0:1 on white */
  --color-speculative-text: #c23c00;  /* #ea580c darkened → 5.4:1 on white */

  /* Growth accent (logo green — used sparingly) */
  --color-growth: #78b770;

  /* Backgrounds & Borders */
  --color-bg-base: #ffffff;
  --color-bg-alt: #f0f4f8;
  --color-bg-light: #f0f4f8;
  --color-nav-bg: #0e1f38;
  --color-border: #dce3e8;

  /* Typography */
  --color-text-main: #1e293b;
  --color-text-secondary: #475569;
  --color-text-muted: #64748b;
  --color-text-faint: #94a3b8;
  --color-slider-track: #e2e8f0;

  /* Fee calculator result boxes */
  --color-fcr-income-bg: #fefce8;
  --color-fcr-income-border: #fde68a;
  --color-fcr-growth-bg: #f0fdf4;
  --color-fcr-growth-border: #bbf7d0;
  --color-fcr-speculative-bg: #fff7ed;
  --color-fcr-speculative-border: #fed7aa;

  --font:
    "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
}

/* scroll-behavior is handled via JS anchor click handlers to preserve browser scroll restoration on refresh */

section[id] {
  scroll-margin-top: var(--scroll-offset, 6rem);
}

html {
  background: #0e1f38;
}

body {
  font-family: var(--font);
  font-size: 1.0625rem;
  color: var(--color-text-main);
  background: #0e1f38;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

a {
  color: var(--color-accent-text);
  text-decoration: none;
  transition: color 0.3s ease;
}

@media (hover: hover) {
  a:hover {
    color: var(--color-primary);
  }
}

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

/* ===== Typography ===== */
h1,
h2,
h3,
h4 {
  color: var(--color-primary);
  line-height: 1.2;
  font-weight: 700;
  text-wrap: balance;
}

h1 {
  font-size: 2.75rem;
  font-weight: 700;
  letter-spacing: -0.02em;
}
h2 {
  font-size: 2rem;
  margin-bottom: 1rem;
  font-weight: 700;
  letter-spacing: -0.015em;
}
h3 {
  font-size: 1.25rem;
  margin-bottom: 0.5rem;
}

p {
  margin-bottom: 1rem;
}

/* ===== Layout ===== */
.container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

section {
  padding: 5rem 0;
}

/* ===== Navbar ===== */
.navbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: var(--color-nav-bg);
  border-bottom: none;
  padding: 0.75rem 0;
}

.navbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.navbar-logo {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  text-decoration: none;
  min-height: 44px;
}

.navbar-logo img {
  height: 1.875rem;
  width: auto;
  flex-shrink: 0;
}

.navbar-wordmark {
  font-size: 1.5rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  color: rgba(255, 255, 255, 0.9);
  line-height: 1;
}

.navbar-links {
  display: flex;
  align-items: center;
  gap: 1.75rem;
  list-style: none;
}

.nav-phone-mobile {
  display: none;
}

.navbar-links a {
  color: rgba(255, 255, 255, 0.7);
  text-decoration: none;
  font-size: 0.95rem;
  font-weight: 500;
  transition: color 0.2s ease;
  min-height: 44px;
  display: inline-flex;
  align-items: center;
  position: relative;
}

/* Sliding underline — grows left to right */
.navbar-links a:not(.btn-accent)::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 2px;
  background: var(--color-accent-on-dark);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.25s ease;
}

@media (hover: hover) {
  .navbar-links a:not(.btn-accent):hover {
    color: rgba(255, 255, 255, 0.85);
  }
  .navbar-links a:not(.btn-accent):hover::after {
    transform: scaleX(1);
  }
}

.navbar-links .btn-accent {
  color: var(--color-primary);
  background: #ffffff;
  border-color: #ffffff;
  padding: 0.5rem 1.25rem;
  min-height: 44px;
  border-radius: 50px;
  font-size: 0.9rem;
  font-weight: 700;
  transition:
    background 0.2s ease,
    border-color 0.2s ease,
    color 0.2s ease;
}

@media (hover: hover) {
  .navbar-links .btn-accent:hover {
    background: var(--color-accent);
    border-color: var(--color-accent);
    color: #ffffff;
  }
}

/* Active nav item — full white + underline visible */
.navbar-links a.nav-active {
  color: #ffffff;
  font-weight: 600;
}

.navbar-links a.nav-active::after {
  transform: scaleX(1);
}

/* Scroll shadow */
.navbar.scrolled {
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.08);
  border-bottom-color: var(--color-border);
}

/* Mobile menu toggle */
.menu-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
}

.menu-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background-color: #ffffff;
  margin: 5px 0;
  transition:
    transform 0.3s ease,
    opacity 0.3s ease;
  transform-origin: center;
}

/* Animate hamburger → X when open */
.menu-toggle[aria-expanded="true"] span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}
.menu-toggle[aria-expanded="true"] span:nth-child(2) {
  opacity: 0;
  transform: scaleX(0);
}
.menu-toggle[aria-expanded="true"] span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* ===== Buttons ===== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.8rem 1.75rem;
  border: 2px solid transparent;
  border-radius: 50px;
  font-weight: 600;
  font-size: 1rem;
  text-align: center;
  transition:
    background 0.2s ease,
    border-color 0.2s ease,
    color 0.2s ease;
  cursor: pointer;
  line-height: 1.2;
  touch-action: manipulation;
}

.btn-primary {
  background: var(--color-primary);
  border-color: var(--color-primary);
  color: var(--color-bg-base);
}

@media (hover: hover) {
  .btn-primary:hover {
    background: var(--color-primary-light);
    border-color: var(--color-primary-light);
    color: #ffffff;
  }
}

/* White pill — matches navbar "Let's Talk" style */
.btn-accent {
  background: #ffffff;
  border-color: #ffffff;
  color: var(--color-primary);
  font-weight: 700;
}

@media (hover: hover) {
  .btn-accent:hover {
    background: var(--color-accent);
    border-color: var(--color-accent);
    color: #ffffff;
  }
}

.btn-outline {
  border-color: var(--color-primary);
  color: var(--color-primary);
  background: transparent;
}

@media (hover: hover) {
  .btn-outline:hover {
    background: var(--color-primary);
    border-color: var(--color-primary);
    color: var(--color-bg-base);
  }
}

/* Focus styles */
.btn:disabled {
  opacity: 0.6;
  cursor: not-allowed;
}

.btn:focus-visible,
.navbar-links a:focus-visible,
.form-group input:focus-visible,
.form-group textarea:focus-visible,
.faq-question:focus-visible,
.portfolio-learn-more:focus-visible {
  outline: 2px solid var(--color-accent-btn);
  outline-offset: 2px;
}

.footer a:focus-visible,
.navbar a:focus-visible {
  outline-color: var(--color-accent-on-dark);
}

/* ===== Hero ===== */
.hero {
  position: relative;
  text-align: center;
  background:
    radial-gradient(circle, rgba(255,255,255,0.04) 1px, transparent 1px) center/28px 28px,
    radial-gradient(ellipse 75% 60% at 18% 35%, rgba(26, 138, 158, 0.38) 0%, transparent 65%),
    radial-gradient(ellipse 55% 45% at 78% 65%, rgba(11, 42, 80, 0.65) 0%, transparent 60%),
    radial-gradient(ellipse 50% 35% at 62% -8%, rgba(56, 140, 200, 0.16) 0%, transparent 55%),
    linear-gradient(170deg, #0e2240 0%, #0b1a2e 45%, #060e1a 100%);
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 6rem 0 6rem;
  overflow: clip;
}

/* Decorative orb: second focal plane so the hero reads as "designed" */
.hero::after {
  content: '';
  position: absolute;
  top: -15%;
  right: -8%;
  width: 700px;
  height: 700px;
  background: radial-gradient(circle, rgba(93, 202, 165, 0.14) 0%, transparent 65%);
  pointer-events: none;
}

.hero > .container {
  display: flex;
  flex-direction: column;
  align-items: center;
  width: 100%;
}

.hero-divider {
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  line-height: 0;
  pointer-events: none;
}

.hero-divider svg {
  display: block;
  width: 100%;
  height: 48px;
  transition: height 0.3s ease;
}

.hero h1 {
  color: #ffffff;
  font-size: 4.25rem;
  margin-bottom: 1.25rem;
  max-width: 820px;
  margin-left: auto;
  margin-right: auto;
}

.hero-h1-bold {
  font-weight: 800;
}

.hero p {
  color: rgba(255, 255, 255, 0.82);
  font-size: 1.15rem;
  max-width: 560px;
  margin: 0 auto 2rem;
}

/* status-line in hero inherits the pill style; no override needed */

.hero-buttons {
  display: flex;
  justify-content: center;
  gap: 1rem;
  flex-wrap: wrap;
}

.hero-buttons .btn {
  min-width: 260px;
  flex: 1 1 0;
  max-width: 360px;
  text-align: center;
  white-space: nowrap;
}

/* Ghost/outline secondary CTA in hero — matches navbar pill style */
.hero-scroll-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9375rem;
  font-weight: 700;
  color: #ffffff;
  text-decoration: none;
  padding: 0.8rem 1.75rem;
  border: 1.5px solid rgba(255, 255, 255, 0.75);
  border-radius: 50px;
  transition: background 0.2s ease, color 0.2s ease, border-color 0.2s ease;
  min-width: 260px;
  flex: 1 1 0;
  max-width: 360px;
  text-align: center;
  white-space: nowrap;
}
@media (hover: hover) {
  .hero-scroll-link:hover {
    background: rgba(255, 255, 255, 0.15);
    border-color: rgba(255, 255, 255, 0.9);
    color: #ffffff;
  }
}


.hero .btn-primary {
  background: var(--color-accent-btn);
  border-color: var(--color-accent-btn);
  color: #ffffff;
}

@media (hover: hover) {
  .hero .btn-primary:hover {
    background: var(--color-accent-hover);
    border-color: var(--color-accent-hover);
    color: #ffffff;
  }
}

.hero .btn-outline {
  background: rgba(255, 255, 255, 0.08);
  border-color: #ffffff;
  color: #ffffff;
  min-width: 260px;
}

@media (hover: hover) {
  .hero .btn-outline:hover {
    background: rgba(255, 255, 255, 0.2);
    border-color: #ffffff;
    color: #ffffff;
  }
}

/* ===== 404 Hero ===== */
.hero-404 {
  min-height: auto;
  padding: 6rem 0;
}

/* ===== Section Headings ===== */
.section-header {
  text-align: center;
  margin-bottom: 3rem;
}

.section-header h2 {
  display: inline-block;
  position: relative;
  padding-bottom: 0.9rem;
}

.section-header h2::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 48px;
  height: 3px;
  background: var(--color-accent);
  border-radius: 2px;
}

.section-header p {
  color: var(--color-text-secondary);
  max-width: 560px;
  margin: 0.5rem auto 0;
  font-size: 1.05rem;
}

/* Suppress underline decorator on specific sections */
.section-header.no-underline h2::after {
  display: none;
}

.section-header.no-underline h2 {
  padding-bottom: 0;
}


/* Card highlight pulse when selected via selector */
@keyframes card-pulse {
  0%   { box-shadow: 0 0 0 0 rgba(26, 138, 158, 0.3); }
  50%  { box-shadow: 0 0 0 6px rgba(26, 138, 158, 0.1); }
  100% { box-shadow: 0 0 0 0 rgba(26, 138, 158, 0); }
}
.portfolio-card.ps-highlighted {
  animation: card-pulse 0.55s ease-out;
}
#card-income.ps-highlighted {
  animation-name: card-pulse-yellow;
}
#card-growth.ps-highlighted {
  animation-name: card-pulse-green;
}
#card-speculative.ps-highlighted {
  animation-name: card-pulse-orange;
}
@keyframes card-pulse-yellow {
  0%   { box-shadow: 0 0 0 0 rgba(202, 138, 4, 0.3); }
  50%  { box-shadow: 0 0 0 6px rgba(202, 138, 4, 0.1); }
  100% { box-shadow: 0 0 0 0 rgba(202, 138, 4, 0); }
}
@keyframes card-pulse-green {
  0%   { box-shadow: 0 0 0 0 rgba(106, 176, 76, 0.3); }
  50%  { box-shadow: 0 0 0 6px rgba(106, 176, 76, 0.1); }
  100% { box-shadow: 0 0 0 0 rgba(106, 176, 76, 0); }
}
@keyframes card-pulse-orange {
  0%   { box-shadow: 0 0 0 0 rgba(234, 88, 12, 0.3); }
  50%  { box-shadow: 0 0 0 6px rgba(234, 88, 12, 0.1); }
  100% { box-shadow: 0 0 0 0 rgba(234, 88, 12, 0); }
}

/* ===== Portfolio Cards ===== */
.portfolios-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.portfolio-card {
  background-color: var(--color-bg-base);
  border: 1px solid var(--color-border);
  border-radius: 12px;
  padding: 2rem;
  box-shadow: 0 1px 4px rgba(14, 31, 56, 0.06);
  text-align: left;
  transition:
    transform 0.2s ease,
    box-shadow 0.2s ease;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

@media (hover: hover) {
  .portfolio-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 16px 40px rgba(14, 31, 56, 0.12);
  }
}

.portfolio-card .icon {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 0 1.25rem;
  font-size: 1.5rem;
  flex-shrink: 0;
}

.portfolio-card:nth-child(1) .icon {
  background: rgba(202, 138, 4, 0.1);
  color: var(--color-income);
}
.portfolio-card:nth-child(2) .icon {
  background: rgba(78, 165, 74, 0.1);
  color: var(--color-success);
}
.portfolio-card:nth-child(3) .icon {
  background: rgba(234, 88, 12, 0.1);
  color: var(--color-speculative);
}

/* Colored top border per portfolio for instant visual distinction */
#card-income   { border-top: 3px solid var(--color-income); }
#card-growth   { border-top: 3px solid var(--color-success); }
#card-speculative { border-top: 3px solid var(--color-speculative); }

.portfolio-card-footer {
  margin-top: auto;
  padding-top: 1.25rem;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 0;
  width: 100%;
}

.portfolio-card .fee {
  display: inline-block;
  background: var(--color-bg-alt);
  border: 1px solid var(--color-border);
  padding: 0.3rem 0.75rem;
  border-radius: 20px;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--color-text-secondary);
  margin-top: 0;
}

.card-disclaimer {
  display: block;
  font-size: 0.9rem;
  color: var(--color-text-secondary);
  margin-top: 0.75rem;
  padding-top: 0.75rem;
  border-top: 1px solid var(--color-border);
  text-align: left;
}

.portfolio-card p {
  color: var(--color-text-secondary);
  font-size: 0.95rem;
  margin-bottom: 0;
  flex: 1;
}

/* ===== Why Grid (persona "Sound Familiar?" + portfolio "Who This Is For") ===== */
.why-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
  margin-top: 0.5rem;
}

.why-card {
  background: var(--color-bg-base);
  border: 1px solid var(--color-border);
  border-radius: 12px;
  padding: 1.75rem;
  box-shadow: 0 1px 4px rgba(14, 31, 56, 0.06);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

@media (hover: hover) {
  .why-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 12px 32px rgba(14, 31, 56, 0.10);
  }
}

.why-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--color-text-main);
  margin-bottom: 0.5rem;
}

.why-card p {
  font-size: 0.95rem;
  color: var(--color-text-secondary);
  line-height: 1.6;
}

/* ===== Fee cross-link (portfolio pages) ===== */
.fee-crosslink {
  text-align: center;
  margin-top: 1.5rem;
  font-size: 0.9rem;
  color: var(--color-text-secondary);
}

/* ===== How It Works ===== */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  align-items: start;
  position: relative;
}

/* Connector between step circles */
.steps::before {
  content: '';
  position: absolute;
  top: 24px; /* center of 48px circle */
  left: calc(100% / 6);
  right: calc(100% / 6);
  height: 0;
  border-top: 2px solid rgba(59, 157, 170, 0.25);
  z-index: 0;
}

.step {
  background: transparent;
  border: none;
  border-radius: 0;
  padding: 0 1.75rem;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.step-number {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--color-accent);
  color: #ffffff;
  font-weight: 700;
  font-size: 1.1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.75rem;
  flex-shrink: 0;
  position: relative;
  z-index: 1;
  border: 3px solid var(--color-bg-base);
  box-shadow: 0 0 0 1.5px var(--color-border);
}

.step h3 {
  margin-bottom: 0.625rem;
}

.step p {
  color: var(--color-text-secondary);
  font-size: 0.95rem;
  margin: 0;
  max-width: 260px;
}


.about-bio .why-conflicts {
  text-align: left;
  max-width: none;
  margin: 1rem 0;
}

/* ===== About 2-col layout ===== */
.about-layout {
  display: grid;
  grid-template-columns: 1fr 1.25fr;
  gap: 4rem;
  align-items: start;
}

@media (max-width: 900px) {
  .about-layout {
    display: block;
  }

  .about-right {
    margin-top: 2rem;
  }
}

/* ===== About Bio ===== */
.about-heading {
  color: var(--color-primary);
  margin-bottom: 1rem;
}

.about-bio {
  max-width: 640px;
  margin: 0 auto;
  text-align: left;
}

@media (min-width: 901px) {
  .about-bio {
    max-width: none;
  }
}

.about-bio p:not([class]) {
  color: var(--color-text-secondary);
  font-size: 1rem;
  line-height: 1.75;
}

.about-bio p:not([class]) a {
  position: relative;
  padding-bottom: 2px;
  color: var(--color-accent-text);
  font-weight: 600;
  text-decoration: none;
  transition: color 0.2s ease;
}

.about-bio p:not([class]) a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 2px;
  background: var(--color-accent-text);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.25s ease;
}

@media (hover: hover) {
  .about-bio p:not([class]) a:hover::after {
    transform: scaleX(1);
  }
}

.about-lead {
  font-size: 1.45rem;
  color: var(--color-primary);
  font-weight: 700;
  margin-bottom: 0.5rem;
  letter-spacing: -0.01em;
}

.about-detail {
  font-size: 0.95rem;
  color: var(--color-text-secondary);
  margin-bottom: 1.5rem;
  padding-bottom: 1.5rem;
  border-bottom: 1px solid var(--color-border);
}

/* ===== Utility: full-width button ===== */
.btn-full {
  width: 100%;
}

/* Contact form submit */
#contact .btn-primary {
  background: var(--color-accent-btn);
  border-color: transparent;
  color: #ffffff;
}

@media (hover: hover) {
  #contact .btn-primary:hover {
    background: var(--color-primary);
    border-color: transparent;
  }
}

/* ===== Contact two-column layout ===== */
.contact-layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  align-items: stretch;
}

@media (min-width: 1000px) {
  .contact-layout {
    grid-template-columns: 1fr 1.4fr;
    gap: 5rem;
  }
}

.contact-info {
  display: flex;
  flex-direction: column;
}

#contact h2 {
  text-align: left;
  margin-bottom: 0.5rem;
}

.contact-sub {
  color: var(--color-text-secondary);
  font-size: 1.05rem;
  margin-bottom: 2.5rem;
}

.contact-trust-list {
  list-style: none;
  padding-top: 2rem;
  margin: 0;
  margin-top: auto;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.contact-trust-item {
  display: flex;
  align-items: center;
  gap: 0.875rem;
  font-size: 0.95rem;
  color: var(--color-text-secondary);
}

.contact-trust-icon {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: rgba(26, 138, 158, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent-text);
  flex-shrink: 0;
}

.contact-trust-link {
  text-decoration: none;
  transition: color 0.2s ease;
  width: fit-content;
}

.contact-trust-link span:last-child {
  position: relative;
  padding-bottom: 1px;
}

.contact-trust-link span:last-child::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 1px;
  background: var(--color-accent-text);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.25s ease;
}

@media (hover: hover) {
  .contact-trust-link:hover {
    color: var(--color-accent-text);
  }
  .contact-trust-link:hover span:last-child::after {
    transform: scaleX(1);
  }
}

.contact-form-card {
  background: var(--color-bg-base);
  border-radius: 16px;
  padding: 2.5rem;
  border: 1px solid var(--color-border);
  box-shadow: 0 4px 24px rgba(11, 26, 46, 0.07);
}

/* Single-column: center the info side */
@media (max-width: 999px) {
  #contact h2 {
    text-align: center;
  }

  .contact-sub {
    text-align: center;
    margin-bottom: 1.5rem;
  }

  .contact-info {
    align-items: center;
  }

  .contact-trust-list {
    align-self: center;
  }
}

@media (max-width: 750px) {
  .contact-trust-list {
    margin-bottom: 0;
  }

  .contact-form-card {
    padding: 1.5rem;
  }
}

/* ===== About section CTA nudge ===== */
.about-cta-nudge {
  margin-top: 1.75rem;
  font-size: 0.95rem;
  color: var(--color-text-secondary);
}

.about-cta-nudge a {
  color: var(--color-accent-text);
  font-weight: 600;
  text-decoration: none;
  display: inline-flex;
  align-items: flex-end;
  position: relative;
  padding-bottom: 3px;
  min-height: 44px;
  transition: color 0.2s ease;
}

.about-cta-nudge a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 2px;
  background: var(--color-accent-text);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.25s ease;
}

@media (hover: hover) {
  .about-cta-nudge a:hover::after {
    transform: scaleX(1);
  }
}

/* ===== Centered Contact Form ===== */
#contact .section-header {
  margin-bottom: 1.5rem;
}

.form-group {
  margin-bottom: 1.25rem;
}

.form-group label {
  display: block;
  font-weight: 500;
  font-size: 0.9rem;
  margin-bottom: 0.4rem;
  color: var(--color-text-main);
}

.form-group input,
.form-group textarea {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1px solid var(--color-border);
  border-radius: 8px;
  font-family: var(--font);
  font-size: 0.95rem;
  color: var(--color-text-main);
  background: var(--color-bg-base);
  transition:
    border-color 0.3s ease,
    box-shadow 0.3s ease;
}

.form-group input:focus,
.form-group textarea:focus {
  outline: 2px solid transparent;
  border-color: var(--color-accent);
  box-shadow: 0 0 0 3px rgba(59, 157, 170, 0.15);
}

.form-group input:not(:placeholder-shown):valid,
.form-group textarea:not(:placeholder-shown):valid {
  border-color: var(--color-success);
  box-shadow: 0 0 0 3px rgba(78, 165, 74, 0.1);
}

.form-group input:not(:placeholder-shown):invalid,
.form-group textarea:not(:placeholder-shown):invalid {
  border-color: var(--color-error);
  box-shadow: 0 0 0 3px rgba(231, 76, 60, 0.1);
}

.form-group textarea {
  resize: vertical;
  min-height: 140px;
}

.textarea-wrap {
  position: relative;
}

.textarea-wrap textarea {
  padding-bottom: 1.75rem;
}

.char-count {
  position: absolute;
  bottom: 0.5rem;
  right: 0.75rem;
  font-size: 0.75rem;
  color: var(--color-text-secondary);
  pointer-events: none;
}

.char-count.near-limit {
  color: var(--color-error);
}

.form-status {
  margin-top: 1rem;
  font-size: 1.05rem;
  font-weight: 500;
}

.form-status.success {
  color: var(--color-growth-text);
}

.form-status.error {
  color: var(--color-error);
}

.form-reassurance {
  text-align: center;
  font-size: 0.8rem;
  color: var(--color-text-secondary);
  margin-top: 0;
  margin-bottom: 0.75rem;
}

/* ===== Footer ===== */
.footer {
  background: var(--color-primary);
  color: rgba(255, 255, 255, 0.6);
  padding: 3.5rem 0 2rem;
  padding-bottom: calc(2rem + env(safe-area-inset-bottom));
  font-size: 1rem;
}

.footer-content {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 2rem;
  align-items: start;
  margin-bottom: 1.5rem;
}

.footer-brand img {
  height: 32px;
  margin-bottom: 0.75rem;
}

.footer-brand p {
  max-width: 320px;
  line-height: 1.6;
  margin-bottom: 0.75rem;
}

.footer-contact-info {
  margin-top: 0.75rem;
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}

.footer-contact-row {
  display: inline-flex;
  align-self: flex-start;
  align-items: center;
  gap: 0.5rem;
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.875rem;
  text-decoration: none;
  position: relative;
  padding-bottom: 1px;
  transition: color 0.2s ease;
}

.footer-contact-row::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 1px;
  background: var(--color-accent-on-dark);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.25s ease;
}

.footer-contact-row svg {
  flex-shrink: 0;
}

@media (hover: hover) {
  .footer-contact-row:hover {
    color: #ffffff;
  }
  .footer-contact-row:hover::after {
    transform: scaleX(1);
  }
}

.footer-links-col:last-child {
  text-align: right;
}

.footer-links-col h3 {
  color: var(--color-bg-base);
  font-size: 0.9rem;
  margin-bottom: 0.75rem;
}

.footer-links-col ul {
  list-style: none;
  columns: 1;
  column-gap: 1.5rem;
}

.footer-links-col a {
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.85rem;
  display: inline-block;
  padding: 0.25rem 0;
  position: relative;
  transition: color 0.2s ease;
}

.footer-links-col a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 1px;
  background: var(--color-accent-on-dark);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.25s ease;
}

@media (hover: hover) {
  .footer-links-col a:hover {
    color: #ffffff;
  }
  .footer-links-col a:hover::after {
    transform: scaleX(1);
  }
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 1.5rem;
}

.footer-disclaimer {
  font-size: 0.8rem;
  line-height: 1.6;
  margin-bottom: 1rem;
  text-align: left;
}

.footer-meta {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: nowrap;
  gap: 1rem;
}

.footer-meta-right {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

@media (max-width: 900px) {
  .footer-meta-right {
    flex-direction: column;
    gap: 0.25rem;
  }
}

.footer-meta a {
  color: rgba(255, 255, 255, 0.6);
  transition: color 0.2s ease;
  display: inline-flex;
  align-items: center;
  min-height: 44px;
}

@media (hover: hover) {
  .footer-meta a:hover {
    color: var(--color-accent-on-dark);
  }
}

.footer-back-to-top {
  text-decoration: none;
  color: rgba(255, 255, 255, 0.75);
  transition: color 0.2s ease;
  display: inline-block;
  padding: 0.75rem 0;
}

@media (hover: hover) {
  .footer-back-to-top:hover {
    color: var(--color-accent-on-dark);
    text-decoration: underline;
    text-underline-offset: 3px;
  }
}

.footer-file-type {
  font-size: 0.75em;
  opacity: 0.5;
}

/* ===== Trust Bar ===== */
.trust-bar {
  background: var(--color-bg-base);
  text-align: center;
  padding: 2.25rem 0;
  border-bottom: 1px solid var(--color-border);
  margin-top: -2px;
  position: relative;
  z-index: 1;
}

.trust-bar ul {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.5rem 2rem;
  list-style: none;
}

.trust-bar li {
  display: flex;
  align-items: center;
  gap: 0.45rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-primary);
  white-space: nowrap;
}

.trust-bar li svg {
  color: var(--color-growth-text);
  flex-shrink: 0;
}

@media (max-width: 900px) {
  .trust-bar ul {
    gap: 0.5rem 1.25rem;
    padding: 0 1rem;
  }
}

/* Trust bar: reduce font-size in tight mid-range to prevent wrapping */
@media (min-width: 601px) and (max-width: 960px) {
  .trust-bar li {
    font-size: 0.8rem;
  }
}

/* Tablet: keep both hero buttons at natural width (no flex:1 stretch) */
@media (min-width: 601px) and (max-width: 900px) {
  .hero-buttons .btn,
  .hero-scroll-link {
    min-width: 160px;
  }
}

/* ===== Credential Badges ===== */
.credential-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-bottom: 1rem;
}

.credential-badge {
  display: inline-block;
  border-radius: 20px;
  padding: 0.375rem 0.875rem;
  background: rgba(59, 157, 170, 0.1);
  color: var(--color-accent-text);
  font-size: 0.875rem;
  font-weight: 600;
}

.credential-note {
  font-size: 0.8125rem;
  color: var(--color-text-secondary);
  margin-top: -0.75rem;
  margin-bottom: 1.5rem;
}

/* ===== CRD Verified Card ===== */
.crd-verified-card {
  display: flex;
  align-items: flex-start;
  gap: 0.875rem;
  margin-top: 1.25rem;
  padding: 1rem 1.25rem;
  background: var(--color-bg-light);
  border-radius: 8px;
  border: 1px solid var(--color-border);
  border-left: 4px solid var(--color-success);
  max-width: 440px;
  text-decoration: none;
  color: inherit;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

@media (hover: hover) {
  .crd-verified-card:hover {
    border-left-color: var(--color-accent);
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);
  }
}

.crd-verified-icon {
  flex-shrink: 0;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: rgba(106, 176, 76, 0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-success);
  margin-top: 1px;
}

.crd-verified-body {
  min-width: 0;
}

.crd-verified-title {
  font-weight: 700;
  font-size: 0.875rem;
  color: var(--color-text-primary);
  margin: 0 0 0.2rem;
}

.crd-verified-meta {
  font-size: 0.8rem;
  color: var(--color-text-secondary);
  margin: 0 0 0.35rem;
}

.crd-verified-link {
  font-size: 0.8rem;
  color: var(--color-accent-text);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
}

/* ===== About Disclosure Links ===== */
.about-disclosure-links {
  font-size: 0.8rem;
  color: var(--color-text-secondary);
  margin-top: 0.75rem;
  max-width: 440px;
  line-height: 1.5;
}

.about-disclosure-links a {
  color: var(--color-accent-text);
  text-decoration: underline;
  text-underline-offset: 2px;
}

/* ===== Fee Table ===== */
.fee-table-wrap {
  max-width: 600px;
  margin: 2.5rem auto 0;
}

.fee-table {
  width: 100%;
  border-collapse: collapse;
}

.fee-table th,
.fee-table td {
  padding: 0.75rem 1rem;
  border-bottom: 1px solid var(--color-border);
  text-align: left;
  font-size: 0.95rem;
}

.fee-table th {
  font-weight: 600;
  color: var(--color-primary);
}

.fee-table .fee-zero {
  color: var(--color-growth-text);
  font-weight: 700;
  font-size: 1.05rem;
}

/* ===== FAQ Accordion ===== */
.faq-list {
  max-width: 780px;
  margin: 0 auto;
}

.faq-card {
  background: var(--color-bg-base);
  border: 1px solid var(--color-border);
  border-radius: 8px;
  padding: 0.75rem 2rem;
}

.faq-item {
  border-bottom: 1px solid var(--color-border);
}

.faq-item:last-child {
  border-bottom: none;
}

.faq-question {
  background: none;
  border: none;
  padding: 1.25rem 1.25rem;
  margin: 0 -1.25rem;
  width: calc(100% + 2.5rem);
  font-family: var(--font);
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--color-primary);
  text-align: left;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  line-height: 1.4;
  border-radius: 6px;
  transition:
    background 0.18s ease,
    color 0.18s ease;
}

@media (hover: hover) {
  .faq-question:hover {
    background: var(--color-bg-light);
    color: var(--color-accent-text);
  }
}

.faq-item.open .faq-question {
  color: var(--color-accent-text);
}

.faq-question::after {
  content: "+";
  font-size: 1.4rem;
  font-weight: 400;
  color: var(--color-accent-text);
  flex-shrink: 0;
  transition: transform 0.3s ease;
}

.faq-item.open .faq-question::after {
  transform: rotate(45deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.34s ease-in-out;
}

.faq-answer p {
  color: var(--color-text-secondary);
  font-size: 0.95rem;
  line-height: 1.7;
  padding-bottom: 1.25rem;
}

/* ===== Trust Bar Link ===== */
.trust-bar-link {
  color: var(--color-primary);
  text-decoration: underline;
  text-underline-offset: 2px;
}

@media (hover: hover) {
  .trust-bar-link:hover {
    color: var(--color-accent-text);
  }
}

/* ===== Hero Persona Strip ===== */
.hero-persona-strip {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 0.4rem 0.5rem;
  font-size: 0.8125rem;
  color: rgba(255, 255, 255, 0.5);
  margin-top: 1.25rem;
  margin-bottom: 0.25rem;
}

.hero-persona-label {
  color: rgba(255, 255, 255, 0.4);
  margin-right: 0.1rem;
}

.hero-persona-item {
  white-space: nowrap;
}

.hero-persona-strip a {
  color: rgba(255, 255, 255, 0.7);
  text-decoration: none;
  position: relative;
  transition: color 0.2s ease;
}

.hero-persona-strip a::after {
  content: '';
  position: absolute;
  bottom: -1px;
  left: 0;
  width: 100%;
  height: 1px;
  background: var(--color-accent-on-dark);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.25s ease;
}

@media (hover: hover) {
  .hero-persona-strip a:hover {
    color: #fff;
  }
  .hero-persona-strip a:hover::after {
    transform: scaleX(1);
  }
}

/* ===== Hero Stat Grid ===== */
.hero-stat-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  margin: 2.5rem auto 0;
  max-width: 680px;
  width: 100%;
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 12px;
  overflow: hidden;
}

.hero-stat-item {
  padding: 1.25rem 1rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  border-right: 1px solid rgba(255, 255, 255, 0.1);
}

.hero-stat-item:last-child {
  border-right: none;
}

.hero-stat-number {
  font-size: 1.75rem;
  font-weight: 800;
  color: #ffffff;
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.02em;
  line-height: 1.1;
}

.hero-stat-label {
  font-size: 0.8rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.7);
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-top: 0.3rem;
  text-align: center;
  line-height: 1.3;
}

@media (max-width: 600px) {
  .hero-stat-grid {
    grid-template-columns: repeat(2, 1fr);
    max-width: 320px;
    margin-top: 1.5rem;
  }

  .hero-stat-item {
    padding: 0.875rem 0.75rem;
  }

  .hero-stat-item:nth-child(2) {
    border-right: none;
  }

  .hero-stat-item:nth-child(1),
  .hero-stat-item:nth-child(2) {
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  }

  .hero-stat-number {
    font-size: 1.4rem;
  }

  .hero-stat-label {
    font-size: 0.75rem;
  }
}

/* ===== Portfolio card H3 — reserve height for 2-line titles at 3-col layout ===== */
@media (min-width: 751px) {
  .portfolio-card h3 {
    min-height: calc(2 * 1.3em);
  }
}

/* ===== Portfolio Card Subtitle ===== */
.portfolio-subtitle {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--color-text-secondary);
  font-style: normal;
  display: block;
  margin-bottom: 0.5rem;
}

/* ===== Portfolio "Who it's for" line ===== */
.portfolio-for {
  display: block;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--color-accent-text);
  margin-bottom: 1rem;
  line-height: 1.4;
  min-height: calc(3 * 1.4em); /* reserve 3 lines to keep cards aligned at 3-col layout */
}

/* ===== Portfolio Learn More ===== */
.portfolio-learn-more {
  display: inline-block;
  position: relative;
  margin-top: 1.5rem;
  padding-bottom: 2px;
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-accent-text);
  background: transparent;
  border: none;
  text-align: left;
  transition: color 0.2s ease;
}

.portfolio-learn-more::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 2px;
  background: var(--color-accent-text);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.25s ease;
}

@media (hover: hover) {
  .portfolio-learn-more:hover {
    color: var(--color-accent-text);
  }
  .portfolio-learn-more:hover::after {
    transform: scaleX(1);
  }
}

.check-icon {
  color: var(--color-growth-text);
  font-weight: 700;
  margin-right: 0.3rem;
}

.portfolio-nudge {
  text-align: center;
  font-size: 0.95rem;
  margin-top: 2.5rem;
  color: var(--color-text-secondary);
}

.portfolio-nudge a {
  color: var(--color-accent-text);
  font-weight: 600;
  font-size: 0.95rem;
  text-decoration: none;
  position: relative;
  padding-bottom: 2px;
  transition: color 0.2s ease;
}

.portfolio-nudge a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 1.5px;
  background: var(--color-accent-text);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.25s ease;
}

@media (hover: hover) {
  .portfolio-nudge a:hover::after {
    transform: scaleX(1);
  }
}

/* ===== Utility: centered secondary notes ===== */
.section-footnote {
  text-align: left;
  font-size: 0.8rem;
  color: var(--color-text-secondary);
  margin-top: 2rem;
  max-width: 720px;
  margin-left: auto;
  margin-right: auto;
  padding: 1rem 1.25rem;
  background: rgba(11, 26, 46, 0.04);
  border-radius: 8px;
  border-left: 3px solid var(--color-border);
  line-height: 1.6;
}

.section-footnote a {
  text-decoration: underline;
  text-underline-offset: 2px;
  color: var(--color-accent-text);
  transition: color 0.2s ease;
}

@media (hover: hover) {
  .section-footnote a:hover {
    color: var(--color-primary);
  }
}

.steps-note {
  text-align: center;
  font-size: 0.9rem;
  color: var(--color-text-secondary);
  margin-top: 2rem;
}

/* ===== Light BG Section ===== */
.bg-light {
  background: var(--color-bg-alt);
}

/* Explicit white bg for sections that relied on body background */
section.reveal:not(.bg-light) {
  background: var(--color-bg-base);
}

/* ===== Custody / How Money Moves Section ===== */
.custody-section {
  padding: 5rem 0;
  background: var(--color-bg-base);
}

.custody-section .section-header {
  margin-bottom: 2.5rem;
}

.custody-section .section-header h2 {
  font-size: 2rem;
}

.money-flow-wrap {
  max-width: 720px;
  margin: 0 auto;
  background: var(--color-bg-base);
  border: 1px solid var(--color-border);
  border-radius: 16px;
  padding: 2.5rem 2rem;
}

.money-flow-nodes {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  margin-bottom: 1.75rem;
}

.mf-node {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 0 1rem;
}

.mf-icon {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--color-bg-light);
  border: 2px solid var(--color-border);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 0.75rem;
  color: var(--color-accent-text);
}

.mf-label {
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--color-primary);
  margin-bottom: 0.2rem;
}

.mf-sub {
  font-size: 0.78rem;
  color: var(--color-text-secondary);
  line-height: 1.4;
}

.mf-arrow {
  flex-shrink: 0;
  color: var(--color-accent-text);
  font-size: 1.5rem;
  padding: 0 0.25rem;
  margin-bottom: 1.5rem;
}

.money-flow-guarantee {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.875rem 1.25rem;
  background: rgba(59, 157, 170, 0.07);
  border: 1px solid rgba(59, 157, 170, 0.2);
  border-radius: 8px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--color-text-secondary);
}

.money-flow-guarantee svg {
  color: var(--color-accent-text);
  flex-shrink: 0;
}

@media (max-width: 600px) {
  .money-flow-nodes {
    flex-direction: column;
    gap: 0;
  }

  .mf-node {
    padding: 0.5rem 0;
  }

  .mf-arrow {
    transform: rotate(90deg);
    margin-bottom: 0;
    padding: 0.25rem 0;
  }

  .money-flow-wrap {
    padding: 1.75rem 1.25rem;
  }
}

@media (max-width: 600px) {
  .hero-buttons {
    flex-direction: column;
    align-items: center;
    gap: 0.75rem;
    width: 100%;
  }

  .hero-buttons .btn,
  .hero-scroll-link {
    width: 100%;
    max-width: 320px;
  }
}

/* ===== Scroll Reveal ===== */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition:
    opacity 0.6s ease,
    transform 0.6s ease;
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

@media (prefers-reduced-motion: reduce) {
  .reveal {
    opacity: 1;
    transform: none;
    transition: none;
  }

  .portfolio-card {
    transition: none;
  }
}

@media (scripting: none) {
  .reveal {
    opacity: 1;
    transform: none;
    transition: none;
  }
}

/* ===== Responsive ===== */

@media (max-width: 1100px) {
  .hero h1 {
    font-size: 3.5rem;
  }
}

@media (max-width: 900px) {
  h1 {
    font-size: 2.25rem;
  }
  h2 {
    font-size: 1.6rem;
  }

  .hero h1 {
    font-size: 3rem;
  }

  .hero-stat-item {
    padding: 1rem 0.5rem;
  }

  .hero-stat-number {
    font-size: 1.4rem;
  }

  .hero-stat-label {
    font-size: 0.65rem;
    letter-spacing: 0.04em;
  }

  section {
    padding: 4rem 0;
  }

  .navbar-links {
    gap: 1rem;
  }

  .portfolios-grid {
    gap: 1rem;
  }

  .portfolio-card {
    padding: 1.25rem;
  }

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

@media (max-width: 600px) {
  .about-bio {
    border-left: none;
    padding-left: 0;
  }

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

  .steps {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .steps::before {
    display: none;
  }

  .step {
    padding: 0;
  }
}

@media (min-width: 601px) and (max-width: 900px) {
  .steps {
    max-width: 100%;
  }

  .step {
    padding: 0 1rem;
  }

  .navbar-links .btn-accent {
    padding: 0.4rem 0.9rem;
    font-size: 0.85rem;
  }
}

@media (max-width: 750px) {
  /* Divider between navbar and panel — needs z-index above panel (99) */
  .navbar::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 1px;
    background: rgba(255, 255, 255, 0.12);
    z-index: 200;
  }

  /* Lift logo and toggle above the full-screen panel (z-index: 99) */
  .navbar-logo {
    position: relative;
    z-index: 200;
  }

  .menu-toggle {
    position: relative;
    z-index: 200;
  }

  .navbar-links {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    padding-top: 64px;
    background: var(--color-primary);
    flex-direction: column;
    justify-content: flex-start;
    gap: 0;
    border-bottom: none;
    box-shadow: none;
    z-index: 99;
    overflow-y: auto;
    display: flex;
    opacity: 0;
    transform: translateY(-8px);
    pointer-events: none;
    transition:
      opacity 0.3s ease,
      transform 0.3s ease;
  }

  .navbar-links.open {
    opacity: 1;
    transform: translateY(0);
    pointer-events: auto;
  }

  .navbar-links li {
    width: 100%;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  }

  .navbar-links li:last-child {
    border-bottom: none;
  }

  .navbar-links a {
    display: block;
    padding: 0.75rem 1.5rem;
    font-size: 1rem;
    text-align: center;
    color: rgba(255, 255, 255, 0.7);
  }

  /* Mobile: sliding underline doesn't work on stacked links — hide it */
  .navbar-links a::after {
    display: none;
  }

  .navbar-links a.nav-active {
    color: #ffffff;
    font-weight: 700;
    border-left: 3px solid var(--color-accent-on-dark);
    padding-left: calc(1.5rem - 3px);
  }

  .nav-backdrop {
    position: fixed;
    inset: 0;
    background: rgba(11, 26, 46, 0.55);
    z-index: 50;
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.3s ease;
  }

  .nav-backdrop.open {
    opacity: 1;
    pointer-events: auto;
  }

  .menu-toggle {
    display: block;
    min-width: 44px;
    min-height: 44px;
  }

  /* Phone number — mobile menu only */
  .nav-phone-mobile {
    display: block;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
  }

  .nav-phone-link {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.4rem;
    color: rgba(255, 255, 255, 0.6) !important;
    font-size: 0.9375rem;
    letter-spacing: 0.01em;
  }

  /* CTA button reordered to top of mobile menu */
  .nav-cta-item {
    order: -3;
    border-bottom: 1px solid rgba(255, 255, 255, 0.12) !important;
    padding: 1.5rem 1.25rem 1.25rem;
    display: flex;
    justify-content: center;
  }

  .navbar-links .btn-accent {
    background: #ffffff;
    border-color: #ffffff;
    color: var(--color-primary) !important;
    border-radius: 50px;
    padding: 0.8rem 1.75rem;
    display: inline-block;
    width: auto;
    min-width: 260px;
    max-width: 360px;
    text-align: center;
    font-size: 1rem;
    font-weight: 700;
    white-space: nowrap;
  }


  h1 {
    font-size: 2rem;
  }

  section {
    padding: 3.5rem 0;
  }

  .portfolios-grid {
    grid-template-columns: 1fr;
    max-width: 480px;
    margin-left: auto;
    margin-right: auto;
  }

  .portfolio-for {
    min-height: 0;
  }
}

@media (max-width: 600px) {
  .hero {
    padding: 5rem 0 3rem;
    min-height: 100svh;
  }

  .hero h1 {
    font-size: 2.4rem;
  }

  .hero-divider svg {
    height: 32px;
  }
}

@media (max-width: 375px) {
  .hero h1 {
    font-size: 6.5vw;
  }
}

@media (max-width: 600px) {
  .trust-bar {
    padding: 1.75rem 0;
  }

  .trust-bar ul {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem 0.5rem;
    padding: 0 0.75rem;
  }

  .trust-bar li {
    flex-direction: column;
    align-items: center;
    justify-content: flex-start;
    text-align: center;
    white-space: normal;
    font-size: 0.8rem;
    gap: 0.3rem;
  }

  .trust-bar li:last-child:nth-child(odd) {
    grid-column: span 2;
  }

  .footer-content {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .footer-brand {
    display: flex;
    flex-direction: column;
    align-items: center;
  }

  .footer-links-col,
  .footer-links-col:last-child {
    text-align: center;
  }

  .footer-disclaimer {
    font-size: 0.75rem;
  }

  .footer-meta {
    flex-direction: column;
    gap: 0.5rem;
    text-align: center;
  }
}

/* Footer meta: stack to column at mid-viewport to prevent orphaned separator dots */
@media (max-width: 900px) {
  .footer-meta {
    flex-direction: column;
    gap: 0.4rem;
    text-align: center;
  }
}

@media (max-width: 480px) {
  h1 {
    font-size: 1.85rem;
  }

  .hero h1 {
    font-size: 6.5vw;
  }

  .container {
    padding: 0 1rem;
  }

  .faq-card {
    padding: 0 1.25rem;
  }

  .hero-stat-item {
    padding: 0.75rem 0.5rem;
  }

  .hero-stat-number {
    font-size: 1.25rem;
  }

  .hero-stat-label {
    font-size: 0.62rem;
    letter-spacing: 0.04em;
  }
}

@media (max-width: 375px) {
  h1 {
    font-size: 1.6rem;
  }

  h2 {
    font-size: 1.5rem;
  }

  .hero p {
    font-size: 0.95rem;
  }

  .hero .btn-primary,
  .hero .btn-outline {
    min-width: unset;
    width: 100%;
    font-size: 0.9rem;
    padding: 0.7rem 1rem;
  }

}

/* ===== Large screens (1440px+) ===== */
@media (min-width: 1440px) {
  .container {
    max-width: 1280px;
  }

  h1 {
    font-size: 3.25rem;
  }
  h2 {
    font-size: 2.35rem;
  }
  h3 {
    font-size: 1.4rem;
  }

  .hero {
    padding: 6rem 0 5rem;
  }

  .hero h1 {
    max-width: 840px;
  }

  .hero p {
    font-size: 1.25rem;
    max-width: 660px;
  }

  .fee-table-wrap {
    max-width: 700px;
  }

  .about-bio {
    max-width: 820px;
  }

  .faq-list {
    max-width: 800px;
  }

  section {
    padding: 6rem 0;
  }

  .navbar {
    padding: 1rem 0;
  }

  .navbar-logo img {
    height: 2.25rem;
    width: auto;
  }

  .navbar-wordmark {
    font-size: 1.6rem;
  }

  .navbar-links {
    gap: 2.25rem;
  }

  .navbar-links a {
    font-size: 1.05rem;
  }

  .portfolios-grid {
    gap: 2rem;
  }

  .portfolio-card {
    padding: 2.5rem;
  }

  .why-card {
    padding: 2.25rem;
  }

  .footer {
    padding: 4rem 0 2rem;
    font-size: 0.9rem;
  }
}

/* ===== Extra large screens (1920px+) ===== */
@media (min-width: 1920px) {
  .container {
    max-width: 1440px;
  }

  h1 {
    font-size: 3.5rem;
  }

  .hero {
    padding: 7rem 0 6rem;
  }

  .hero h1 {
    max-width: 900px;
  }

  .hero p {
    font-size: 1.3rem;
    max-width: 740px;
  }

  .section-header p {
    font-size: 1.15rem;
    max-width: 700px;
  }

  .fee-table-wrap {
    max-width: 780px;
  }

  .about-bio {
    max-width: 880px;
  }

  .faq-list {
    max-width: 880px;
  }

  .footer-brand p {
    max-width: 380px;
  }

  .portfolio-card {
    padding: 3rem;
  }

  .portfolio-card p {
    font-size: 1rem;
  }

  .why-card {
    padding: 2.5rem;
  }

  .why-card p {
    font-size: 1rem;
  }

  .step p {
    font-size: 1rem;
  }
}

/* ===== 2K/QHD screens (2560px+) ===== */
@media (min-width: 2560px) {
  .container {
    max-width: 2300px;
  }

  h1 {
    font-size: 4rem;
  }
  h2 {
    font-size: 2.75rem;
  }
  h3 {
    font-size: 1.6rem;
  }

  body {
    font-size: 1.125rem;
  }

  .hero {
    padding: 8rem 0 7rem;
  }

  .hero h1 {
    max-width: 1000px;
  }

  .hero p {
    font-size: 1.45rem;
    max-width: 880px;
  }

  section {
    padding: 7rem 0;
  }

  .section-header p {
    font-size: 1.25rem;
    max-width: 820px;
  }

  .fee-table-wrap {
    max-width: 860px;
  }

  .about-bio {
    max-width: 980px;
  }

  .faq-list {
    max-width: 980px;
  }

  .footer-brand p {
    max-width: 420px;
  }

  .navbar-links .btn-accent {
    padding: 0.65rem 1.75rem;
    font-size: 1.15rem;
  }

  .navbar {
    padding: 1.25rem 0;
  }

  .navbar-logo img {
    height: 2.5rem;
    width: auto;
  }

  .navbar-wordmark {
    font-size: 1.75rem;
  }

  .navbar-links {
    gap: 3rem;
  }

  .navbar-links a {
    font-size: 1.15rem;
  }

  .portfolios-grid {
    gap: 2.5rem;
  }

  .portfolio-card {
    padding: 3.5rem;
    border-radius: 16px;
  }

  .portfolio-card .icon {
    width: 68px;
    height: 68px;
  }

  .portfolio-card p,
  .why-card p,
  .step p {
    font-size: 1.1rem;
  }

  .why-card {
    padding: 3rem;
    border-radius: 16px;
  }

  .steps::before {
    top: 28px; /* center of 56px circle */
  }

  .step-number {
    width: 56px;
    height: 56px;
    font-size: 1.4rem;
  }

  .btn {
    padding: 0.9rem 2rem;
    font-size: 1.05rem;
  }

  .footer {
    padding: 4rem 0 2rem;
    font-size: 0.95rem;
  }

  .footer-brand img {
    height: 40px;
  }
}

/* ===== 4K/UHD screens (3840px+) ===== */
@media (min-width: 3840px) {
  .container {
    max-width: 2400px;
  }

  h1 {
    font-size: 5rem;
  }
  h2 {
    font-size: 3.5rem;
  }
  h3 {
    font-size: 2rem;
  }

  body {
    font-size: 1.35rem;
  }

  .hero {
    padding: 10rem 0 9rem;
  }

  .hero h1 {
    max-width: 1300px;
  }

  .hero p {
    font-size: 1.75rem;
    max-width: 1100px;
  }

  section {
    padding: 9rem 0;
  }

  .section-header {
    margin-bottom: 4.5rem;
  }

  .section-header p {
    font-size: 1.5rem;
    max-width: 1100px;
  }

  .fee-table-wrap {
    max-width: 1060px;
  }

  .about-bio {
    max-width: 1200px;
  }

  .faq-list {
    max-width: 1200px;
  }

  .navbar-links .btn-accent {
    padding: 0.85rem 2.25rem;
    font-size: 1.4rem;
  }

  .navbar {
    padding: 1.5rem 0;
  }

  .navbar-logo img {
    height: 3rem;
    width: auto;
  }

  .navbar-wordmark {
    font-size: 2rem;
  }

  .navbar-links {
    gap: 4rem;
  }

  .navbar-links a {
    font-size: 1.4rem;
  }

  .portfolios-grid {
    gap: 3rem;
  }

  .portfolio-card {
    padding: 4.5rem;
    border-radius: 20px;
  }

  .portfolio-card .icon {
    width: 84px;
    height: 84px;
    margin-bottom: 1.75rem;
  }

  .portfolio-card .icon svg {
    width: 40px;
    height: 40px;
  }

  .portfolio-card .fee {
    font-size: 1.05rem;
    padding: 0.5rem 1rem;
  }

  .portfolio-card p,
  .why-card p,
  .step p {
    font-size: 1.3rem;
  }

  .why-grid {
    gap: 2.5rem;
  }

  .why-card {
    padding: 3.5rem;
    border-radius: 20px;
  }

  .steps::before {
    top: 36px; /* center of 72px circle */
  }

  .step-number {
    width: 72px;
    height: 72px;
    font-size: 1.75rem;
  }

  .btn {
    padding: 1.1rem 2.5rem;
    font-size: 1.25rem;
  }

  .footer {
    padding: 4.5rem 0 2.5rem;
    font-size: 1.1rem;
  }

  .footer-brand img {
    height: 52px;
  }

  .footer-brand p {
    max-width: 560px;
  }

  .footer-links-col h3 {
    font-size: 1.1rem;
  }

  .footer-links-col a {
    font-size: 1.05rem;
    padding: 0.4rem 0;
  }

  .trust-bar {
    padding: 1.5rem 0;
  }

  .trust-bar ul {
    gap: 3.5rem;
    font-size: 1.1rem;
  }

  .faq-question {
    font-size: 1.3rem;
    padding: 1.75rem 0;
  }

  .faq-answer p {
    font-size: 1.1rem;
  }

  .footer-disclaimer {
    font-size: 0.85rem;
  }
}

/* ===== 8K screens (7680px+) ===== */
@media (min-width: 7680px) {
  .container {
    max-width: 4800px;
  }

  h1 {
    font-size: 10rem;
  }
  h2 {
    font-size: 7rem;
  }
  h3 {
    font-size: 4rem;
  }

  body {
    font-size: 2.5rem;
  }

  .hero {
    padding: 16rem 0 14rem;
  }

  .hero p {
    font-size: 3rem;
    max-width: 1800px;
  }

  section {
    padding: 14rem 0;
  }

  .section-header {
    margin-bottom: 7rem;
  }

  .section-header p {
    font-size: 2.75rem;
    max-width: 1800px;
  }

  .trust-bar {
    padding: 2.5rem 0;
  }

  .trust-bar ul {
    gap: 7rem;
    font-size: 2rem;
  }

  .navbar {
    padding: 2.5rem 0;
  }

  .navbar-logo img {
    height: 4rem;
    width: auto;
  }

  .navbar-wordmark {
    font-size: 2.75rem;
  }

  .navbar-links {
    gap: 7rem;
  }

  .navbar-links a {
    font-size: 2.25rem;
  }

  .portfolios-grid {
    gap: 5rem;
  }

  .portfolio-card {
    padding: 8rem;
    border-radius: 32px;
  }

  .portfolio-card .icon {
    width: 150px;
    height: 150px;
    margin-bottom: 3rem;
  }

  .portfolio-card .icon svg {
    width: 72px;
    height: 72px;
  }

  .portfolio-card .fee {
    font-size: 2rem;
    padding: 0.75rem 2rem;
  }

  .portfolio-card p,
  .why-card p,
  .step p {
    font-size: 2.25rem;
  }

  .why-grid {
    gap: 5rem;
  }

  .why-card {
    padding: 6rem;
    border-radius: 32px;
  }

  .steps::before {
    top: 65px; /* center of 130px circle */
  }

  .step-number {
    width: 130px;
    height: 130px;
    font-size: 3.25rem;
  }

  .faq-question {
    font-size: 2.5rem;
    padding: 3rem 0;
  }

  .faq-answer p {
    font-size: 2.25rem;
  }

  .btn {
    padding: 2rem 5rem;
    font-size: 2.25rem;
  }

  .footer {
    padding: 6rem 0 4rem;
    font-size: 1.8rem;
  }

  .footer-brand img {
    height: 110px;
  }

  .footer-brand p {
    max-width: 900px;
  }

  .footer-links-col h3 {
    font-size: 2rem;
  }

  .footer-links-col a {
    font-size: 1.8rem;
    padding: 0.7rem 0;
  }

  .footer-disclaimer {
    font-size: 1.75rem;
  }
}

/* =========================================
   FEE CALCULATOR — FEATURED SECTION
   ========================================= */

/* Standalone fee section */
.fee-section {
  background: var(--color-bg-base);
  padding: 5rem 0;
}

.fee-section .section-header h2 {
  color: var(--color-primary);
}

.fee-section .section-header h2::after {
  background: var(--color-accent);
}

.fee-section .section-header p {
  color: var(--color-text-secondary);
}

.fee-calc {
  margin: 0 auto;
  max-width: 700px;
  padding: 2rem 2.25rem;
  background: var(--color-bg-light);
  border: 1px solid #dde3ea;
  border-left: 4px solid var(--color-accent);
  border-radius: 16px;
}

.fee-calc h3 {
  font-size: 1.0625rem;
  font-weight: 600;
  color: var(--color-primary);
  margin: 0 0 0.25rem;
}

.fee-calc > p:not(.fee-calc-note) {
  font-size: 0.9rem;
  color: var(--color-text-secondary);
  margin: 0 0 1.25rem;
}

.fee-calc-slider-wrap {
  margin-bottom: 1.25rem;
}

.fee-calc-balance-label {
  display: block;
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--color-primary);
  margin-bottom: 0.625rem;
}

.fee-calc-balance-amount {
  font-weight: 700;
  color: var(--color-accent);
}

.fee-calc-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 10px;
  border-radius: 5px;
  cursor: pointer;
  background: linear-gradient(
    to right,
    var(--color-accent) 0%,
    var(--color-accent) var(--fill-pct, 9.9%),
    var(--color-slider-track) var(--fill-pct, 9.9%),
    var(--color-slider-track) 100%
  );
}

/* Webkit thumb (Chrome, Safari, Edge) */
.fee-calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--color-accent);
  cursor: pointer;
  border: 3px solid #fff;
  box-shadow: 0 1px 4px rgba(14, 31, 56, 0.2);
  transition: background 0.15s ease, transform 0.1s ease, box-shadow 0.15s ease;
}

@media (hover: hover) {
  .fee-calc-slider::-webkit-slider-thumb:hover {
    background: var(--color-accent-hover);
    transform: scale(1.15);
    box-shadow: 0 2px 6px rgba(14, 31, 56, 0.25);
  }
}

.fee-calc-slider:active::-webkit-slider-thumb {
  background: var(--color-accent-hover);
  transform: scale(1.1);
}

.fee-calc-slider:focus-visible {
  outline: 2px solid var(--color-accent-btn);
  outline-offset: 4px;
  border-radius: 3px;
}

.fee-calc-slider:focus:not(:focus-visible) {
  outline: none;
}

/* Firefox thumb */
.fee-calc-slider::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--color-accent);
  cursor: pointer;
  border: 3px solid #fff;
  box-shadow: 0 1px 4px rgba(14, 31, 56, 0.2);
  transition: background 0.15s ease;
}

.fee-calc-slider:active::-moz-range-thumb {
  background: var(--color-accent-hover);
}

.fee-calc-slider::-moz-range-track {
  background: var(--color-slider-track);
  height: 10px;
  border-radius: 5px;
}

.fee-calc-slider::-moz-range-progress {
  background: var(--color-accent);
  height: 10px;
  border-radius: 5px;
}

.fee-calc-range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: var(--color-text-faint);
  margin-top: 0.375rem;
}

.fee-calc-results {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
  margin-bottom: 1rem;
}

.fcr-item {
  flex: 1;
  min-width: 100px;
  padding: 0.875rem 1rem;
  border-radius: 8px;
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}

.fcr-income      { background: var(--color-fcr-income-bg);      border: 1px solid var(--color-fcr-income-border); }
.fcr-growth      { background: var(--color-fcr-growth-bg);      border: 1px solid var(--color-fcr-growth-border); }
.fcr-speculative { background: var(--color-fcr-speculative-bg); border: 1px solid var(--color-fcr-speculative-border); }

.fcr-header {
  display: flex;
  align-items: baseline;
  gap: 0.4rem;
}

.fcr-portfolio {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--color-primary);
  letter-spacing: 0.02em;
}

.fcr-rate {
  font-size: 0.75rem;
  color: var(--color-text-muted);
}

.fcr-amount {
  font-size: 2.25rem;
  font-weight: 800;
  color: var(--color-primary);
  line-height: 1.2;
  margin-top: 0.2rem;
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.02em;
}

.fee-calc-note {
  font-size: 0.8rem;
  color: var(--color-text-faint);
  margin: 0;
}

@media (max-width: 600px) {
  /* Stack name and rate so long labels like "Speculative 1.60%" don't clip */
  .fcr-header {
    flex-direction: column;
    gap: 0.1rem;
    align-items: flex-start;
  }

  .fcr-portfolio {
    font-size: 0.75rem;
  }

  .fcr-rate {
    font-size: 0.65rem;
  }

  .fcr-amount {
    font-size: 1.125rem;
  }
}

@media (max-width: 480px) {
  .fee-calc {
    padding: 1.25rem;
  }

  .fcr-item {
    min-width: 0;
    padding: 0.75rem 0.625rem;
  }
}

@media (max-width: 375px) {
  .fee-calc {
    padding: 1rem 0.875rem;
  }

  .fcr-item {
    padding: 0.625rem 0.5rem;
  }

  .fcr-portfolio {
    font-size: 0.6875rem;
  }

  .fcr-amount {
    font-size: 1rem;
  }
}

/* ===== Single-Portfolio Fee Calculator ===== */
.fee-calc-results-single {
  justify-content: center;
}

.fee-calc-results-single .fcr-item {
  flex: 0 1 320px;
  max-width: 400px;
}

/* ===== Risk Disclosure Card ===== */
.risk-disclosure-card {
  background: var(--color-bg-base);
  border: 1px solid var(--color-border);
  border-left: 4px solid var(--color-accent);
  border-radius: 8px;
  padding: 2rem;
  max-width: 780px;
  margin: 0 auto;
}

.risk-disclosure-card--income     { border-left-color: var(--color-income); }
.risk-disclosure-card--growth     { border-left-color: var(--color-success); }
.risk-disclosure-card--speculative { border-left-color: var(--color-speculative); }

.risk-disclosure-header {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 1.5rem;
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--color-primary);
}

.risk-disclosure-header svg {
  flex-shrink: 0;
}

.risk-disclosure-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.risk-disclosure-item {
  font-size: 1rem;
  color: var(--color-text-secondary);
  line-height: 1.65;
}

.risk-disclosure-item strong {
  color: var(--color-primary);
  font-weight: 600;
}

/* ===== Footer Divider ===== */
.footer-divider {
  line-height: 0;
  pointer-events: none;
  margin-bottom: -2px;
  background: var(--color-bg-alt);
}

.footer-divider svg {
  display: block;
  width: 100%;
  height: 48px;
}

@media (max-width: 600px) {
  .risk-disclosure-card {
    padding: 1.5rem 1.25rem;
  }

  .footer-divider svg {
    height: 32px;
  }
}