/* ============================================================
   UBM FINANCIAL SERVICES — Brand Refresh 2026
   Warm & Human · Terracotta / Cream / Sage
   Lora (display) + Plus Jakarta Sans (body)
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Lora:ital,wght@0,400;0,600;0,700;1,400;1,600;1,700&family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&display=swap');

/* ============================================================
   RESET
   ============================================================ */

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

/* ============================================================
   CUSTOM PROPERTIES
   ============================================================ */

:root {
  /* Palette */
  --cream:         #FDFAF6;
  --cream-warm:    #F8F2EA;
  --warm:          #F3E9DD;
  --peach:         #EDE0D0;
  --terra:         #C85C2A;
  --terra-dark:    #A84E24;
  --terra-pale:    #FBF0EA;
  --terra-tint:    #F5E3D8;
  --sage:          #4A7B68;
  --sage-dark:     #3A6354;
  --sage-pale:     #ECF4F0;
  --amber:         #C8873A;
  --ink:           #1F0D05;
  --ink-mid:       #5C3D2E;
  --ink-light:     #9C7B68;
  --white:         #FFFFFF;
  --border:        #E8D5C4;
  --border-light:  #F2E8DE;
  --footer-bg:     #271507;

  /* Type */
  --serif: 'Lora', Georgia, serif;
  --sans:  'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, sans-serif;

  /* Spacing */
  --sp-xs:  0.5rem;
  --sp-sm:  1rem;
  --sp-md:  2rem;
  --sp-lg:  3.5rem;
  --sp-xl:  6rem;
  --sp-2xl: 10rem;

  /* Radii */
  --r-sm:   8px;
  --r-md:   14px;
  --r-lg:   20px;
  --r-xl:   28px;
  --r-pill: 999px;

  /* Shadows */
  --shadow-sm:    0 1px 3px rgba(31,13,5,.05), 0 4px 12px rgba(31,13,5,.04);
  --shadow-md:    0 2px 8px rgba(31,13,5,.06), 0 8px 24px rgba(31,13,5,.05);
  --shadow-lg:    0 4px 16px rgba(31,13,5,.07), 0 16px 48px rgba(31,13,5,.06);
  --shadow-hover: 0 8px 28px rgba(31,13,5,.11), 0 24px 56px rgba(31,13,5,.07);

  /* Motion */
  --ease:        cubic-bezier(.25,.1,.25,1);
  --ease-out:    cubic-bezier(0,0,.2,1);
  --ease-spring: cubic-bezier(.34,1.56,.64,1);
}

/* ============================================================
   BASE
   ============================================================ */

html {
  font-size: 17px;
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--sans);
  background: var(--cream);
  color: var(--ink);
  line-height: 1.6;
  overflow-x: hidden;
}

body.no-scroll { overflow: hidden; }

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

a {
  color: inherit;
  text-decoration: none;
  transition: color .2s var(--ease);
}

/* ============================================================
   TYPOGRAPHY
   ============================================================ */

h1, h2, h3, h4 {
  font-family: var(--serif);
  font-weight: 600;
  line-height: 1.15;
  color: var(--ink);
}

h1 { font-size: clamp(2.4rem, 5.5vw, 4.5rem); line-height: 1.1; }
h2 { font-size: clamp(1.9rem, 4vw, 3.2rem); }
h3 { font-size: clamp(1.4rem, 2.8vw, 2rem); }
h4 { font-size: clamp(1.05rem, 1.8vw, 1.35rem); font-weight: 600; }

.display-hero {
  font-family: var(--serif);
  font-size: clamp(2.8rem, 6.5vw, 5.5rem);
  font-weight: 700;
  line-height: 1.05;
  letter-spacing: -.02em;
}

em { font-style: italic; color: var(--terra); }
h1 em, h2 em, h3 em { color: var(--terra); }

p {
  font-family: var(--sans);
  font-size: 1rem;
  line-height: 1.75;
  color: var(--ink-mid);
}

p.lead {
  font-size: clamp(1.05rem, 2vw, 1.25rem);
  line-height: 1.65;
  color: var(--ink-mid);
  max-width: 58ch;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-family: var(--sans);
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .16em;
  color: var(--terra);
  margin-bottom: 1rem;
}

.eyebrow-sage { color: var(--sage); }
.eyebrow-muted { color: var(--ink-light); }

/* ============================================================
   LAYOUT
   ============================================================ */

.container {
  width: 100%;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 2.5rem;
}

.container-narrow {
  width: 100%;
  max-width: 860px;
  margin: 0 auto;
  padding: 0 2.5rem;
}

.section       { padding: var(--sp-xl) 0; }
.section-sm    { padding: var(--sp-lg) 0; }
.section-warm  { background: var(--warm); }
.section-peach { background: var(--peach); }
.section-cream { background: var(--cream-warm); }
.section-terra { background: var(--terra); }
.section-sage  { background: var(--sage); }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-md); }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: var(--sp-md); }

/* ============================================================
   BUTTONS
   ============================================================ */

.btn {
  display: inline-flex;
  align-items: center;
  gap: .6rem;
  font-family: var(--sans);
  font-size: .85rem;
  font-weight: 700;
  padding: .875rem 1.75rem;
  border-radius: var(--r-pill);
  border: 2px solid var(--terra);
  color: var(--terra);
  background: transparent;
  cursor: pointer;
  transition: background .25s var(--ease), color .25s var(--ease), transform .2s var(--ease), box-shadow .25s var(--ease);
  text-decoration: none;
  white-space: nowrap;
}

.btn:hover {
  background: var(--terra);
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(200,92,42,.3);
}

.btn-primary {
  background: var(--terra);
  color: var(--white);
  border-color: var(--terra);
}

.btn-primary:hover {
  background: var(--terra-dark);
  border-color: var(--terra-dark);
  box-shadow: 0 6px 24px rgba(200,92,42,.35);
}

.btn-sage {
  border-color: var(--sage);
  color: var(--sage);
}

.btn-sage:hover {
  background: var(--sage);
  color: var(--white);
  box-shadow: 0 6px 20px rgba(74,123,104,.3);
}

.btn-white {
  border-color: var(--white);
  color: var(--white);
}

.btn-white:hover {
  background: var(--white);
  color: var(--terra);
}

.btn-ghost {
  border-color: var(--border);
  color: var(--ink-mid);
  background: var(--white);
}

.btn-ghost:hover {
  border-color: var(--terra);
  color: var(--terra);
  background: var(--terra-pale);
}

.btn-block { width: 100%; justify-content: center; }
.btn-lg { padding: 1.1rem 2.25rem; font-size: .95rem; }
.btn-sm { padding: .6rem 1.25rem; font-size: .78rem; }

.btn .arrow {
  transition: transform .25s var(--ease);
}
.btn:hover .arrow { transform: translateX(3px); }

/* ============================================================
   BADGE / PILL LABEL
   ============================================================ */

.badge {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  padding: .35rem .85rem;
  border-radius: var(--r-pill);
  font-family: var(--sans);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
}

.badge-terra {
  background: var(--terra-tint);
  color: var(--terra);
}

.badge-sage {
  background: var(--sage-pale);
  color: var(--sage-dark);
}

.badge-cream {
  background: rgba(255,255,255,.15);
  color: var(--white);
}

/* ============================================================
   HEADER & NAV
   ============================================================ */

#header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 200;
  padding: 1.25rem 2.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  transition: background .35s var(--ease), padding .35s var(--ease), box-shadow .35s var(--ease);
}

#header.scrolled {
  background: rgba(253,250,246,.96);
  backdrop-filter: blur(16px);
  padding: .9rem 2.5rem;
  box-shadow: 0 1px 0 var(--border), 0 4px 20px rgba(31,13,5,.06);
}

.logo-wrap {
  display: flex;
  align-items: center;
  gap: .7rem;
  text-decoration: none;
  flex-shrink: 0;
}

.logo-icon {
  width: 36px;
  height: 36px;
  flex-shrink: 0;
}

.logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1;
}

.logo-name {
  font-family: var(--sans);
  font-weight: 800;
  font-size: 1.35rem;
  letter-spacing: -.04em;
  color: var(--ink);
}

.logo-tagline {
  font-family: var(--sans);
  font-weight: 400;
  font-size: .58rem;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--ink-light);
  margin-top: .2rem;
}

.nav-desktop {
  display: flex;
  align-items: center;
  gap: 2rem;
  flex: 1;
  justify-content: center;
}

.nav-desktop a {
  font-family: var(--sans);
  font-size: .82rem;
  font-weight: 600;
  color: var(--ink-mid);
  position: relative;
  padding-bottom: 2px;
  transition: color .2s var(--ease);
}

.nav-desktop a::after {
  content: '';
  position: absolute;
  bottom: -1px; left: 0;
  width: 0; height: 2px;
  background: var(--terra);
  border-radius: 2px;
  transition: width .25s var(--ease-out);
}

.nav-desktop a:hover { color: var(--ink); }
.nav-desktop a:hover::after { width: 100%; }

.header-right {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-shrink: 0;
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 6px;
  border-radius: var(--r-sm);
  transition: background .2s;
}

.hamburger:hover { background: var(--terra-tint); }

.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--ink);
  border-radius: 2px;
  transition: all .3s var(--ease);
  transform-origin: center;
}

.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile menu */
.mobile-menu {
  display: none;
  position: fixed;
  inset: 0;
  background: var(--cream);
  z-index: 190;
  flex-direction: column;
  justify-content: center;
  padding: 3rem 2.5rem;
  gap: 0;
}

.mobile-menu.open { display: flex; }

.mobile-menu a {
  font-family: var(--serif);
  font-size: clamp(2rem, 6vw, 3rem);
  font-weight: 600;
  color: var(--ink);
  padding: .6rem 0;
  border-bottom: 1px solid var(--border-light);
  transition: color .2s var(--ease), padding-left .2s var(--ease);
}

.mobile-menu a:first-child { border-top: 1px solid var(--border-light); }

.mobile-menu a:hover {
  color: var(--terra);
  padding-left: .5rem;
}

.nav-mobile-cta {
  margin-top: 1.75rem;
  font-family: var(--sans) !important;
  font-size: 1rem !important;
  font-weight: 700 !important;
  color: var(--terra) !important;
  border: none !important;
  padding: 0 !important;
}

.nav-mobile-cta:hover { padding-left: 0 !important; }

.mobile-contact {
  font-family: var(--sans);
  font-size: .85rem;
  color: var(--ink-light);
  margin-top: 1.25rem;
  border: none !important;
}

.desktop-only { display: inline-flex; }

/* ============================================================
   HERO
   ============================================================ */

.hero {
  min-height: 100svh;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  background: var(--cream);
  padding-top: 7rem;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -10%; right: -5%;
  width: 55%;
  height: 80%;
  background: radial-gradient(ellipse at 70% 30%, var(--terra-tint) 0%, transparent 70%);
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: 5%; left: -5%;
  width: 40%;
  height: 50%;
  background: radial-gradient(ellipse at 30% 70%, var(--sage-pale) 0%, transparent 70%);
  pointer-events: none;
}

.hero-inner {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--sp-xl);
  align-items: end;
  padding: 0 2.5rem var(--sp-xl);
  max-width: 1240px;
  margin: 0 auto;
  width: 100%;
}

.hero-left { padding-bottom: var(--sp-md); }

.hero-eyebrow { margin-bottom: 1.5rem; }

.hero-headline { margin-bottom: 1.75rem; }

.hero-sub {
  font-size: clamp(.95rem, 1.5vw, 1.1rem);
  line-height: 1.75;
  color: var(--ink-mid);
  max-width: 46ch;
  margin-bottom: 2.25rem;
}

.hero-ctas {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 2.5rem;
}

.hero-trust {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: .45rem;
  font-family: var(--sans);
  font-size: .78rem;
  font-weight: 600;
  color: var(--ink-mid);
}

.trust-item svg {
  width: 16px; height: 16px;
  color: var(--sage);
  flex-shrink: 0;
}

.hero-right {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  padding-bottom: var(--sp-md);
}

.hero-stat-card {
  background: var(--white);
  border-radius: var(--r-xl);
  padding: 1.75rem 2rem;
  box-shadow: var(--shadow-md);
  display: flex;
  align-items: center;
  gap: 1.25rem;
}

.hero-stat-icon {
  width: 52px; height: 52px;
  background: var(--terra-tint);
  border-radius: var(--r-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--terra);
}

.hero-stat-number {
  font-family: var(--serif);
  font-size: 2rem;
  font-weight: 700;
  color: var(--ink);
  line-height: 1;
  display: block;
}

.hero-stat-label {
  font-size: .8rem;
  font-weight: 500;
  color: var(--ink-light);
  margin-top: .2rem;
  display: block;
}

/* ============================================================
   MARQUEE
   ============================================================ */

.marquee-strip {
  background: var(--terra);
  overflow: hidden;
  padding: .9rem 0;
}

.marquee-track {
  display: flex;
  white-space: nowrap;
  animation: marqueeScroll 36s linear infinite;
}

.marquee-item {
  display: inline-flex;
  align-items: center;
  gap: 1.75rem;
  padding-right: 1.75rem;
  font-family: var(--sans);
  font-size: .82rem;
  font-weight: 600;
  color: rgba(255,255,255,.9);
  text-transform: uppercase;
  letter-spacing: .08em;
}

.marquee-dot {
  width: 4px; height: 4px;
  background: rgba(255,255,255,.4);
  border-radius: 50%;
  flex-shrink: 0;
}

/* ============================================================
   STATS BAND
   ============================================================ */

.stats-band {
  background: var(--white);
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
}

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

.stat-item {
  padding: var(--sp-lg) var(--sp-md);
  border-right: 1px solid var(--border-light);
  text-align: center;
  position: relative;
  transition: background .3s var(--ease);
}

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

.stat-item:hover { background: var(--cream-warm); }

.stat-number {
  font-family: var(--serif);
  font-size: clamp(2.5rem, 5vw, 4rem);
  font-weight: 700;
  color: var(--terra);
  line-height: 1;
  display: block;
  margin-bottom: .5rem;
}

.stat-number sup {
  font-size: .45em;
  vertical-align: super;
}

.stat-label {
  font-family: var(--sans);
  font-size: .78rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--ink-light);
  display: block;
}

/* ============================================================
   SECTION HEADERS
   ============================================================ */

.section-header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto var(--sp-lg);
}

.section-header-left {
  max-width: 100%;
  margin-bottom: var(--sp-lg);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--sp-lg);
  align-items: end;
}

.section-header-left p { max-width: 46ch; }

/* ============================================================
   SERVICE CARDS
   ============================================================ */

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}

.service-card {
  background: var(--white);
  border-radius: var(--r-xl);
  padding: 2rem 1.75rem;
  position: relative;
  display: flex;
  flex-direction: column;
  gap: .85rem;
  box-shadow: var(--shadow-sm);
  border: 1.5px solid var(--border-light);
  text-decoration: none;
  color: var(--ink);
  transition: transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s var(--ease);
  overflow: hidden;
}

.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--terra);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .35s var(--ease-out);
  border-radius: 3px 3px 0 0;
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-hover);
  border-color: var(--terra-tint);
}

.service-card:hover::before { transform: scaleX(1); }

.service-icon {
  width: 48px; height: 48px;
  background: var(--terra-tint);
  border-radius: var(--r-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--terra);
  flex-shrink: 0;
  transition: background .3s var(--ease), transform .3s var(--ease-spring);
}

.service-card:hover .service-icon {
  background: var(--terra);
  color: var(--white);
  transform: scale(1.05);
}

.service-num {
  font-family: var(--sans);
  font-size: .7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: var(--ink-light);
}

.service-card h3 {
  font-size: clamp(1.1rem, 1.8vw, 1.35rem);
  color: var(--ink);
  transition: color .25s var(--ease);
}

.service-card:hover h3 { color: var(--terra); }

.service-card p {
  font-size: .88rem;
  line-height: 1.65;
  flex: 1;
}

.service-link {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  font-family: var(--sans);
  font-size: .8rem;
  font-weight: 700;
  color: var(--terra);
  margin-top: .25rem;
  transition: gap .25s var(--ease);
}

.service-card:hover .service-link { gap: .7rem; }

/* Protection cards use sage */
.service-card-sage .service-icon {
  background: var(--sage-pale);
  color: var(--sage);
}

.service-card-sage::before { background: var(--sage); }

.service-card-sage:hover {
  border-color: var(--sage-pale);
}

.service-card-sage:hover .service-icon {
  background: var(--sage);
  color: var(--white);
}

.service-card-sage:hover h3 { color: var(--sage); }

.service-card-sage .service-link { color: var(--sage); }

/* ============================================================
   HOW WE WORK
   ============================================================ */

.how-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: var(--sp-lg);
}

.how-card {
  background: var(--white);
  border-radius: var(--r-xl);
  padding: 2.25rem 2rem;
  box-shadow: var(--shadow-sm);
  border: 1.5px solid var(--border-light);
  position: relative;
  overflow: hidden;
}

.how-number {
  font-family: var(--serif);
  font-size: 4rem;
  font-weight: 700;
  color: var(--terra-tint);
  line-height: 1;
  position: absolute;
  top: 1.25rem; right: 1.5rem;
  pointer-events: none;
}

.how-card h3 {
  font-size: 1.2rem;
  margin-bottom: .75rem;
  color: var(--ink);
}

.how-card p { font-size: .9rem; }

/* ============================================================
   ABOUT PREVIEW
   ============================================================ */

.about-preview {
  display: grid;
  grid-template-columns: 5fr 7fr;
  gap: var(--sp-xl);
  align-items: center;
}

.about-photo-wrap {
  position: relative;
}

.about-photo {
  width: 100%;
  aspect-ratio: 4/5;
  object-fit: cover;
  border-radius: var(--r-xl);
  box-shadow: var(--shadow-lg);
}

.about-photo-badge {
  position: absolute;
  bottom: 1.5rem;
  right: -1.5rem;
  background: var(--white);
  border-radius: var(--r-lg);
  padding: 1.25rem 1.5rem;
  box-shadow: var(--shadow-lg);
  text-align: center;
}

.about-photo-badge .badge-number {
  font-family: var(--serif);
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--terra);
  line-height: 1;
  display: block;
}

.about-photo-badge .badge-label {
  font-size: .72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--ink-light);
  display: block;
  margin-top: .3rem;
}

.about-content { padding: var(--sp-md) 0; }

.about-content h2 { margin-bottom: 1.25rem; }

.about-content p {
  margin-bottom: 1rem;
  max-width: 52ch;
}

.lang-tags {
  display: flex;
  gap: .6rem;
  flex-wrap: wrap;
  margin: 1.5rem 0 2rem;
}

.lang-tag {
  padding: .45rem 1rem;
  background: var(--warm);
  border-radius: var(--r-pill);
  font-size: .78rem;
  font-weight: 600;
  color: var(--ink-mid);
  border: 1px solid var(--border);
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
  margin-top: var(--sp-lg);
}

.testimonial-card {
  background: var(--white);
  border-radius: var(--r-xl);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
  border: 1.5px solid var(--border-light);
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.testimonial-stars {
  display: flex;
  gap: 3px;
}

.testimonial-stars svg {
  width: 16px; height: 16px;
  fill: var(--amber);
}

.testimonial-card blockquote {
  font-family: var(--serif);
  font-style: italic;
  font-size: clamp(.95rem, 1.5vw, 1.1rem);
  line-height: 1.65;
  color: var(--ink);
  flex: 1;
}

.testimonial-author {
  font-family: var(--sans);
  font-size: .78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--ink-light);
}

.review-badges {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  margin-top: var(--sp-md);
  flex-wrap: wrap;
}

.review-badge-link {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-family: var(--sans);
  font-size: .8rem;
  font-weight: 700;
  color: var(--ink-mid);
  padding: .6rem 1.25rem;
  border-radius: var(--r-pill);
  background: var(--white);
  box-shadow: var(--shadow-sm);
  border: 1.5px solid var(--border-light);
  transition: all .25s var(--ease);
}

.review-badge-link:hover {
  border-color: var(--terra);
  color: var(--terra);
  box-shadow: var(--shadow-md);
}

/* ============================================================
   CTA SECTION
   ============================================================ */

.cta-section {
  background: var(--terra);
  padding: var(--sp-xl) 0;
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  top: -30%; right: -10%;
  width: 50%; height: 200%;
  background: radial-gradient(ellipse, rgba(255,255,255,.08) 0%, transparent 60%);
  pointer-events: none;
}

.cta-inner {
  position: relative;
  z-index: 2;
  text-align: center;
}

.cta-inner h2 {
  font-family: var(--serif);
  font-size: clamp(2rem, 5vw, 4rem);
  font-weight: 700;
  color: var(--white);
  margin-bottom: 1rem;
  line-height: 1.1;
}

.cta-inner h2 em { color: rgba(255,255,255,.75); }

.cta-inner p {
  color: rgba(255,255,255,.8);
  font-size: 1.05rem;
  margin-bottom: 2.25rem;
  max-width: 50ch;
  margin-left: auto;
  margin-right: auto;
}

.cta-actions {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1rem;
  flex-wrap: wrap;
}

.cta-direct {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 2rem;
  margin-top: 2rem;
  flex-wrap: wrap;
}

.cta-direct a {
  font-family: var(--sans);
  font-size: .9rem;
  font-weight: 600;
  color: rgba(255,255,255,.75);
  transition: color .2s;
}

.cta-direct a:hover { color: var(--white); }

/* ============================================================
   FOOTER
   ============================================================ */

.site-footer {
  background: var(--footer-bg);
  color: var(--cream);
  padding: var(--sp-xl) 0 var(--sp-md);
}

.footer-inner {
  display: grid;
  grid-template-columns: 2.5fr 1fr 1fr 1fr;
  gap: var(--sp-lg);
  padding-bottom: var(--sp-lg);
  border-bottom: 1px solid rgba(253,250,246,.08);
  margin-bottom: var(--sp-md);
}

.footer-brand .logo-name { color: var(--cream); }
.footer-brand .logo-tagline { color: rgba(253,250,246,.4); }

.footer-brand p {
  color: rgba(253,250,246,.5);
  font-size: .85rem;
  margin-top: 1rem;
  max-width: 30ch;
}

.footer-social {
  display: flex;
  gap: .75rem;
  margin-top: 1.5rem;
}

.footer-social a {
  width: 36px; height: 36px;
  background: rgba(253,250,246,.07);
  border-radius: var(--r-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(253,250,246,.5);
  transition: all .25s var(--ease);
}

.footer-social a:hover {
  background: var(--terra);
  color: var(--white);
}

.footer-col h4 {
  font-family: var(--sans);
  font-size: .68rem;
  font-weight: 700;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: rgba(253,250,246,.35);
  margin-bottom: 1rem;
}

.footer-col ul { list-style: none; }

.footer-col li { margin-bottom: .55rem; }

.footer-col a {
  font-family: var(--sans);
  font-size: .88rem;
  color: rgba(253,250,246,.6);
  transition: color .2s var(--ease);
}

.footer-col a:hover { color: var(--cream); }

.footer-legal-bar {
  display: flex;
  gap: var(--sp-md);
  align-items: flex-start;
  flex-wrap: wrap;
  justify-content: space-between;
}

.footer-legal {
  font-size: .7rem;
  line-height: 1.8;
  color: rgba(253,250,246,.3);
  max-width: 820px;
}

.footer-copy {
  font-size: .7rem;
  color: rgba(253,250,246,.25);
  white-space: nowrap;
  flex-shrink: 0;
}

/* ============================================================
   INNER PAGES
   ============================================================ */

.page-hero {
  background: var(--cream);
  padding: calc(5rem + var(--sp-xl)) 0 var(--sp-lg);
  border-bottom: 1px solid var(--border-light);
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  top: 0; right: -10%;
  width: 50%; height: 100%;
  background: radial-gradient(ellipse at 70% 30%, var(--terra-tint) 0%, transparent 65%);
  pointer-events: none;
}

.page-hero-inner {
  position: relative;
  z-index: 2;
}

.breadcrumb {
  font-family: var(--sans);
  font-size: .72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--ink-light);
  margin-bottom: 1.5rem;
  display: flex;
  align-items: center;
  gap: .5rem;
}

.breadcrumb a {
  color: var(--ink-light);
  transition: color .2s;
}

.breadcrumb a:hover { color: var(--terra); }

.breadcrumb-sep { opacity: .4; }

.page-hero h1 { max-width: 16ch; margin-bottom: 1.25rem; }

.page-body {
  padding: var(--sp-xl) 0;
}

.content-grid {
  display: grid;
  grid-template-columns: 3fr 2fr;
  gap: var(--sp-xl);
  align-items: start;
}

.content-main h2 {
  font-size: clamp(1.4rem, 2.5vw, 1.9rem);
  margin-top: var(--sp-lg);
  margin-bottom: .75rem;
  color: var(--ink);
}

.content-main h2:first-child { margin-top: 0; }

.content-main h3 {
  font-size: clamp(1.15rem, 1.8vw, 1.4rem);
  margin-top: var(--sp-md);
  margin-bottom: .6rem;
}

.content-main p {
  margin-bottom: 1rem;
  max-width: 64ch;
}

/* Steps list */
.steps-list {
  list-style: none;
  counter-reset: steps;
  margin: 1.5rem 0;
}

.steps-list li {
  counter-increment: steps;
  display: grid;
  grid-template-columns: 2.5rem 1fr;
  gap: 1rem;
  padding: 1.25rem 0;
  border-bottom: 1px solid var(--border-light);
  align-items: start;
}

.steps-list li:first-child { border-top: 1px solid var(--border-light); }

.steps-list li::before {
  content: counter(steps, decimal-leading-zero);
  font-family: var(--serif);
  font-style: italic;
  font-size: 1rem;
  color: var(--terra);
  padding-top: .1rem;
}

.steps-list h4 {
  font-family: var(--sans);
  font-size: .95rem;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: .35rem;
}

.steps-list p { font-size: .88rem; margin-bottom: 0; }

/* Info/FAQ list */
.info-list {
  list-style: none;
  margin: 1.5rem 0;
}

.info-list li {
  padding: 1.25rem 0;
  border-bottom: 1px solid var(--border-light);
}

.info-list li:first-child { border-top: 1px solid var(--border-light); }

.info-list strong {
  font-family: var(--sans);
  font-weight: 700;
  font-size: .95rem;
  color: var(--ink);
  display: block;
  margin-bottom: .35rem;
}

.info-list p { font-size: .88rem; margin-bottom: 0; }

/* Callout box */
.callout {
  background: var(--terra-tint);
  border-radius: var(--r-lg);
  border-left: 4px solid var(--terra);
  padding: 1.5rem 1.75rem;
  margin: 1.5rem 0;
}

.callout-sage {
  background: var(--sage-pale);
  border-color: var(--sage);
}

.callout h3 {
  font-size: 1.2rem;
  margin-bottom: .6rem;
}

.callout p { font-size: .9rem; margin-bottom: .5rem; }
.callout p:last-child { margin-bottom: 0; }

/* Sticky sidebar */
.content-sidebar {
  position: sticky;
  top: 6.5rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.sidebar-card {
  background: var(--white);
  border-radius: var(--r-xl);
  padding: 1.75rem;
  box-shadow: var(--shadow-md);
  border: 1.5px solid var(--border-light);
}

.sidebar-card h4 {
  font-family: var(--sans);
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--ink-light);
  margin-bottom: .85rem;
}

.sidebar-card p {
  font-size: .88rem;
  margin-bottom: .5rem;
}

.sidebar-card p:last-child { margin-bottom: 0; }

.sidebar-card a {
  color: var(--terra);
  font-weight: 600;
}

.sidebar-cta {
  background: var(--terra);
  border-radius: var(--r-xl);
  padding: 2rem 1.75rem;
  box-shadow: var(--shadow-md);
}

.sidebar-cta h3 {
  font-family: var(--serif);
  font-size: 1.5rem;
  color: var(--white);
  margin-bottom: .5rem;
}

.sidebar-cta p {
  color: rgba(255,255,255,.75);
  font-size: .88rem;
  margin-bottom: .4rem;
}

.sidebar-cta a.sidebar-phone {
  color: rgba(255,255,255,.9);
  font-weight: 600;
}

/* ============================================================
   CONTACT PAGE
   ============================================================ */

.contact-layout {
  display: grid;
  grid-template-columns: 3fr 2fr;
  gap: var(--sp-xl);
  align-items: start;
}

.contact-form-wrap { }

.form-group { margin-bottom: 1.5rem; }

label {
  display: block;
  font-family: var(--sans);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--ink-mid);
  margin-bottom: .5rem;
}

input[type="text"],
input[type="email"],
input[type="tel"],
textarea,
select {
  width: 100%;
  padding: .875rem 1.1rem;
  font-family: var(--sans);
  font-size: .95rem;
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--r-md);
  color: var(--ink);
  transition: border-color .25s var(--ease), box-shadow .25s var(--ease);
  appearance: none;
  outline: none;
}

input:focus,
textarea:focus,
select:focus {
  border-color: var(--terra);
  box-shadow: 0 0 0 3px rgba(200,92,42,.12);
}

textarea {
  min-height: 130px;
  resize: vertical;
}

select { cursor: pointer; }

.form-submit-row {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  flex-wrap: wrap;
  margin-top: var(--sp-sm);
}

.form-note {
  font-size: .8rem;
  color: var(--ink-light);
  margin: 0;
}

.contact-info-block {
  position: sticky;
  top: 6.5rem;
  background: var(--white);
  border-radius: var(--r-xl);
  padding: 2rem;
  box-shadow: var(--shadow-md);
  border: 1.5px solid var(--border-light);
}

.contact-info-block h3 {
  font-size: 1.3rem;
  margin-bottom: 1.5rem;
}

.contact-info-item {
  padding: .9rem 0;
  border-bottom: 1px solid var(--border-light);
}

.contact-info-item:first-of-type { border-top: 1px solid var(--border-light); }

.contact-info-item .label {
  font-size: .68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .14em;
  color: var(--ink-light);
  display: block;
  margin-bottom: .3rem;
}

.contact-info-item .value {
  font-family: var(--sans);
  font-size: .95rem;
  font-weight: 500;
  color: var(--ink);
  line-height: 1.5;
}

.contact-info-item .value a {
  color: var(--terra);
  font-weight: 600;
}

/* ============================================================
   ABOUT PAGE
   ============================================================ */

.values-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 1.25rem;
  margin-top: var(--sp-lg);
}

.value-card {
  background: var(--white);
  border-radius: var(--r-lg);
  padding: 1.5rem 1.25rem;
  box-shadow: var(--shadow-sm);
  border: 1.5px solid var(--border-light);
}

.value-num {
  font-family: var(--serif);
  font-style: italic;
  font-size: 1.5rem;
  color: var(--terra);
  display: block;
  margin-bottom: .75rem;
  line-height: 1;
}

.value-card h4 {
  font-size: .95rem;
  margin-bottom: .5rem;
  color: var(--ink);
}

.value-card p { font-size: .82rem; }

.fees-reg-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--sp-lg);
  margin-top: var(--sp-xl);
  padding-top: var(--sp-xl);
  border-top: 1px solid var(--border-light);
}

/* ============================================================
   ANIMATIONS & REVEAL
   ============================================================ */

@keyframes marqueeScroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(20px); }
  to   { opacity: 1; transform: translateY(0); }
}

.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity .7s var(--ease-out), transform .7s var(--ease-out);
}

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

.reveal-d1 { transition-delay: .1s; }
.reveal-d2 { transition-delay: .18s; }
.reveal-d3 { transition-delay: .26s; }
.reveal-d4 { transition-delay: .34s; }

/* Ensure elements are always visible when motion is reduced or JS is slow */
@media (prefers-reduced-motion: reduce) {
  .reveal, .reveal.visible {
    opacity: 1 !important;
    transform: none !important;
    transition: none !important;
  }
}

/* ============================================================
   RESPONSIVE — 1024px
   ============================================================ */

@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; gap: var(--sp-lg); }
  .hero-right { flex-direction: row; flex-wrap: wrap; }
  .hero-stat-card { flex: 1; min-width: 200px; }
  .about-preview { grid-template-columns: 1fr; gap: var(--sp-lg); }
  .about-photo-badge { right: 1rem; }
  .values-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .content-grid { grid-template-columns: 1fr; }
  .content-sidebar { position: static; }
  .contact-layout { grid-template-columns: 1fr; }
  .contact-info-block { position: static; }
  .fees-reg-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   RESPONSIVE — 900px
   ============================================================ */

@media (max-width: 900px) {
  :root {
    --sp-xl: 4.5rem;
    --sp-lg: 2.75rem;
  }

  #header { padding: 1rem 1.5rem; }
  #header.scrolled { padding: .8rem 1.5rem; }

  .nav-desktop { display: none; }
  .hamburger { display: flex; }
  .desktop-only { display: none !important; }

  .container, .container-narrow { padding: 0 1.5rem; }

  .hero { padding-top: 5rem; }
  .hero-inner { padding: 0 1.5rem var(--sp-xl); }

  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat-item:nth-child(2) { border-right: none; }
  .stat-item:nth-child(3) { border-bottom: none; }

  .services-grid { grid-template-columns: 1fr 1fr; }
  .how-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }

  .section-header-left {
    grid-template-columns: 1fr;
    gap: var(--sp-sm);
  }

  .page-hero { padding-top: calc(4rem + var(--sp-lg)); }

  .footer-inner { grid-template-columns: 1fr; }
}

/* ============================================================
   RESPONSIVE — 600px
   ============================================================ */

@media (max-width: 600px) {
  :root {
    --sp-xl: 3rem;
    --sp-lg: 2rem;
    --sp-md: 1.5rem;
  }

  html { font-size: 16px; }

  .hero-ctas { flex-direction: column; }
  .btn { justify-content: center; }

  .services-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .values-grid { grid-template-columns: 1fr 1fr; }
  .hero-right { flex-direction: column; }

  .footer-legal-bar { flex-direction: column; }

  .cta-actions { flex-direction: column; }
  .cta-direct { flex-direction: column; gap: .75rem; }

  .grid-2 { grid-template-columns: 1fr; }

  .steps-list li { grid-template-columns: 2rem 1fr; }

  .form-submit-row { flex-direction: column; align-items: flex-start; }
}