/* ============================================================
   NORTHBANK FINANCE — styles
   Dark #050505 + gold #D4AF37, Cormorant Garamond + Manrope.
   Rebuilt from the mortgage-broker template design as plain CSS.
============================================================ */

/* ---------- Tokens ---------- */
:root {
  --bg: #050505;
  --bg-alt: #080808;
  --bg-card: #0a0a0a;
  --bg-card2: #0c0c0c;
  --bg-hover: #101010;
  --gold: #D4AF37;
  --gold-hover: #C5A059;
  --gold-faint: rgba(212, 175, 55, 0.4);
  --white: #ffffff;
  --white-55: rgba(255, 255, 255, 0.55);
  --white-60: rgba(255, 255, 255, 0.6);
  --white-70: rgba(255, 255, 255, 0.7);
  --white-50: rgba(255, 255, 255, 0.5);
  --white-40: rgba(255, 255, 255, 0.4);
  --white-45: rgba(255, 255, 255, 0.45);
  --white-30: rgba(255, 255, 255, 0.3);
  --white-10: rgba(255, 255, 255, 0.1);
  --white-15: rgba(255, 255, 255, 0.15);
  --font-serif: "Cormorant Garamond", Georgia, serif;
  --font-sans: "Manrope", ui-sans-serif, system-ui, sans-serif;
}

/* ---------- Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { line-height: 1.5; -webkit-text-size-adjust: 100%; tab-size: 4; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--white);
  font-family: var(--font-sans);
  font-weight: 400;
  -webkit-font-smoothing: antialiased;
  -webkit-tap-highlight-color: transparent;
  overflow-x: hidden;
}
h1, h2, h3, h4, p, figure, ul, blockquote, dl, dd { margin: 0; }
ul { padding: 0; list-style: none; }
a { color: inherit; text-decoration: none; }
button, input, optgroup, select, textarea {
  font-family: inherit; font-size: 100%; font-weight: inherit;
  line-height: inherit; letter-spacing: inherit; color: inherit;
  margin: 0; padding: 0;
}
button { text-transform: none; background: transparent; border: 0; cursor: pointer; }
button:focus-visible, a:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 2px;
}
img { display: block; max-width: 100%; }
::selection { background: var(--gold); color: #000; }

/* ---------- Type utilities ---------- */
.font-serif-display { font-family: var(--font-serif); }
.text-gold { color: var(--gold); }
.text-white40 { color: var(--white-40); }
.text-gold80 { color: rgba(212, 175, 55, 0.8); }
.italic { font-style: italic; }
.text-5xl { font-size: 3rem; }
.text-4xl { font-size: 2.25rem; }
.text-3xl { font-size: 1.875rem; }
.text-2xl { font-size: 1.5rem; }
.text-2xl { font-size: 1.5rem; }
.text-xl { font-size: 1.25rem; }
.text-lg { font-size: 1.125rem; }
.text-sm { font-size: 0.875rem; }
.text-xs { font-size: 0.75rem; }
.mt-8 { margin-top: 2rem; }
.mt-10 { margin-top: 2.5rem; }
.mb-16 { margin-bottom: 4rem; }
.mb-20 { margin-bottom: 5rem; }
.leading-snug { line-height: 1.375; }
.tracking-tight { letter-spacing: -0.025em; }

/* ---------- Layout ---------- */
.container {
  width: 100%;
  max-width: 1280px;
  margin-inline: auto;
  padding-inline: 1.5rem;
}
.maxw-wide { max-width: 48rem; }
.section { padding-block: 7rem; }
.bg-black { background: var(--bg); }
.bg-grey { background: var(--bg-alt); }
.overline {
  display: inline-block;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.3em;
}
.overline-gold { color: var(--gold); }
.section-title {
  font-family: var(--font-serif);
  font-weight: 300;
  font-size: 2.25rem;
  line-height: 1.2;
  margin-top: 1.25rem;
  letter-spacing: -0.02em;
}
.section-head { max-width: 48rem; margin-bottom: 4rem; }
.section-head.text-center { margin-inline: auto; text-align: center; }
.section-head-row {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
  margin-bottom: 4rem;
  justify-content: space-between;
}
.section-aside { color: var(--white-50); max-width: 24rem; font-size: 0.875rem; }
.section-sub { color: var(--white-55); margin-top: 1.25rem; max-width: 42rem; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  border-radius: 9999px;
  font-weight: 500;
  font-size: 0.875rem;
  transition: background-color .3s, color .3s, border-color .3s, transform .3s;
  line-height: 1;
}
.btn-sm { padding: 0.625rem 1.25rem; }
.btn-lg { padding: 1rem 2rem; }
.btn-block { width: 100%; padding: 1rem; }
.btn-gold { background: var(--gold); color: #000; }
.btn-gold:hover { background: var(--gold-hover); }
.btn-lg:hover { transform: translateY(-4px); }
.btn-outline {
  padding: 1rem 2rem;
  border: 1px solid var(--gold);
  color: var(--gold);
}
.btn-outline:hover { background: var(--gold); color: #000; }
.cta-link {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--gold);
  font-weight: 500;
  margin-top: 2.5rem;
}
.cta-link svg { transition: transform .3s; }
.service-cta-card:hover .cta-link svg { transform: translate(2px, -2px); }

/* ---------- Grain overlay ---------- */
.grain-overlay {
  position: fixed;
  inset: 0;
  z-index: 80;
  pointer-events: none;
  opacity: 0.5;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='300' height='300'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.65' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
  mix-blend-mode: overlay;
}

/* ---------- Nav ---------- */
/* Nav sticky offset — sits below the sticky HUD. Only applies to this
   demo until the systemic nav-override pass is done across all demos.
   See M11 (scroll-snap) and M12 (nav-sticky) in the master report. */
.nav {
  position: sticky;    /* was: fixed */
  width: 100%;         /* added */
  top: 0;
  inset-inline: 0;
  z-index: 60;
  border-bottom: 1px solid transparent;
  transition: background-color .5s, border-color .5s, backdrop-filter .5s;
}
.nav.scrolled {
  background: rgba(0, 0, 0, 0.72);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  border-bottom-color: var(--white-10);
}
.nav-inner {
  height: 5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav-logo {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: none;
  color: inherit;
}
.nav-links { display: none; gap: 2.5rem; }
.nav-links a {
  font-size: 0.875rem;
  letter-spacing: 0.025em;
  color: var(--white-60);
  transition: color .3s;
}
.nav-links a:hover { color: var(--gold); }
.nav-cta-wrap { display: none; align-items: center; gap: 1.25rem; }
.nav-phone {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.875rem;
  color: var(--white-70);
  transition: color .3s;
}
.nav-phone:hover { color: var(--gold); }
.nav-toggle {
  color: var(--white);
  background: none;
  display: inline-flex;
}

/* ---------- Mobile menu ---------- */
.mobile-menu {
  position: fixed;
  top: 0;
  right: 0;
  bottom: 0;
  z-index: 55;
  width: min(22rem, 86vw);
  background: #0a0a0a;
  border-left: 1px solid var(--white-10);
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
  padding: 6rem 2rem 2rem;
  transform: translateX(100%);
  transition: transform .35s ease;
}
.mobile-menu.open { transform: translateX(0); }
.mobile-menu a {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  padding: 0.75rem 0;
  color: var(--white-80);
  border-bottom: 1px solid var(--white-10);
}
.mobile-menu .btn { font-family: var(--font-sans); border-bottom: 0; margin-top: 1rem; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  overflow: hidden;
}
.hero-bg { position: absolute; inset: 0; z-index: -1; }
.hero-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transform: translateY(0) scale(1.05);
}
.hero-scrim {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, #000, rgba(0,0,0,0.7) 50%, rgba(0,0,0,0.4));
  opacity: 0.9;
}
.hero-glow {
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 20% 20%, rgba(212,175,55,0.12), transparent 45%);
}
.hero-content {
  padding-top: 10rem;
  padding-bottom: 5rem;
  position: relative;
}
.hero-title {
  font-family: var(--font-serif);
  font-weight: 300;
  line-height: 0.95;
  letter-spacing: -0.02em;
  font-size: 13vw;
  margin-top: 1.5rem;
  max-width: 64rem;
}
.hero-title .line { display: block; overflow: hidden; }
.hero-title .line > span { display: block; }
.hero-footer-row {
  margin-top: 2.5rem;
  display: flex;
  flex-direction: column;
  gap: 2rem;
  align-items: flex-start;
  justify-content: space-between;
}
.hero-sub {
  color: var(--white-70);
  font-size: 1.125rem;
  max-width: 36rem;
  line-height: 1.625;
}
.hero-stats {
  position: relative;
  border-top: 1px solid var(--white-10);
  background: rgba(0, 0, 0, 0.4);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
}
.grid-stats {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
}
.grid-stats > .stat:not(:nth-child(3n)) { border-right: 1px solid var(--white-10); }
.stat { padding: 2rem 1rem 2rem 0; }
.stat + .stat { padding-left: 1rem; }
.stat-num { color: var(--gold); font-size: 2.25rem; line-height: 1.1; }
.stat-label {
  text-transform: uppercase;
  font-size: 0.75rem;
  letter-spacing: 0.06em;
  color: var(--white-50);
  margin-top: 0.5rem;
}
.hero-scroll {
  position: absolute;
  top: 42%;
  right: 2rem;
  display: none;
  align-items: center;
  flex-direction: column;
  gap: 0.5rem;
  color: var(--white-40);
}
.scroll-label {
  font-size: 0.625rem;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  writing-mode: vertical-lr;
}
.hero-stats .overflow-line { display: none; }

/* ---------- Pathways ---------- */
.pathways-grid {
  display: grid;
  gap: 1px;
  background: var(--white-10);
  border: 1px solid var(--white-10);
  border-radius: 1rem;
  overflow: hidden;
}
.pathway {
  position: relative;
  text-align: left;
  background: var(--bg-card);
  padding: 2rem;
  min-height: 220px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: background-color .5s;
}
.pathway:hover { background: var(--bg-hover); }
.pathway-num {
  font-size: 3rem;
  color: var(--white-10);
  transition: color .5s;
}
.pathway:hover .pathway-num { color: var(--gold-faint); }
.pathway-title {
  font-size: 1.25rem;
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  transition: color .3s;
}
.pathway:hover .pathway-title { color: var(--gold); }
.pathway-title svg {
  opacity: 0;
  transform: translateX(-0.5rem);
  transition: opacity .3s, transform .3s;
}
.pathway:hover .pathway-title svg { opacity: 1; transform: translateX(0); }
.pathway-desc { color: var(--white-50); font-size: 0.875rem; margin-top: 0.5rem; }

/* ---------- Services ---------- */
.services-grid {
  display: grid;
  gap: 1.5rem;
}
.spotlight-card {
  position: relative;
  border-radius: 1rem;
  overflow: hidden;
  background: var(--bg-card2);
}
.spotlight-card::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 0;
  opacity: 0;
  transition: opacity .4s;
  background: radial-gradient(420px circle at var(--mx, 50%) var(--my, 50%), rgba(212,175,55,0.08), transparent 40%);
}
.spotlight-card:hover::before { opacity: 1; }
.service-card {
  border: 1px solid var(--white-10);
  display: flex;
  flex-direction: column;
  transition: border-color .5s;
}
.service-card:hover { border-color: var(--gold-faint); }
.service-img-wrap {
  position: relative;
  overflow: hidden;
  aspect-ratio: 16 / 10;
}
.service-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  filter: grayscale(1);
  transform: scale(1.05);
  transition: filter 1s, transform 1s;
}
.service-card:hover .service-img {
  filter: grayscale(0);
  transform: scale(1);
}
.service-img-fade {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, var(--bg-card2), transparent 60%);
}
.service-body { padding: 2rem; flex: 1; position: relative; z-index: 1; display: flex; flex-direction: column; }
.service-title { font-size: 1.5rem; color: var(--white); transition: color .3s; }
.service-card:hover .service-title { color: var(--gold); }
.service-title:last-child { margin-bottom: 2px; } /* nudge for em */
.service-desc {
  color: var(--white-55);
  font-size: 0.875rem;
  margin-top: 0.75rem;
  line-height: 1.625;
  flex: 1;
}
.service-list { margin-top: 1.5rem; display: flex; flex-direction: column; gap: 0.5rem; }
.service-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.875rem;
  color: var(--white-70);
}
.service-list li::before {
  content: "";
  flex: 0 0 auto;
  width: 0.375rem;
  height: 0.375rem;
  margin-top: 0.375rem;
  border-radius: 9999px;
  background: var(--gold);
}
.service-cta-card {
  border-radius: 1rem;
  border: 1px solid rgba(212, 175, 55, 0.3);
  background: linear-gradient(135deg, rgba(212,175,55,0.1), transparent);
  padding: 2rem;
  min-height: 300px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  text-align: left;
  transition: border-color .5s;
}
.service-cta-card:hover { border-color: var(--gold); }

/* ---------- Manifesto ---------- */
.manifesto > div { border-top: 1px solid var(--white-10); padding-block: 2.5rem; }
.manifesto > div:last-child { border-bottom: 1px solid var(--white-10); }
.manifesto-num {
  font-size: 3.75rem;
  line-height: 1;
  color: var(--white-10);
  transition: color .5s;
  margin-bottom: 0.75rem;
}
.manifesto > div:hover .manifesto-num { color: var(--gold); }
.manifesto-title { font-size: 1.5rem; color: var(--white); margin-bottom: 0.75rem; }
.manifesto-body { color: var(--white-55); line-height: 1.625; max-width: 42rem; }

/* ---------- Marquee ---------- */
.marquee-section {
  background: var(--bg-alt);
  padding: 4rem 0;
  border-top: 1px solid var(--white-10);
  border-bottom: 1px solid var(--white-10);
  overflow: hidden;
}
.marquee-label {
  text-align: center;
  font-size: 0.75rem;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: var(--white-40);
  margin-bottom: 2.5rem;
}
.marquee { overflow: hidden; }
.marquee-track {
  display: flex;
  width: max-content;
  animation: marquee 63s linear infinite;
}
.marquee-item {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 1.875rem;
  color: var(--white-25);
  padding-inline: 2.5rem;
  white-space: nowrap;
  transition: color .3s;
}
.marquee-item:hover { color: var(--gold); }
@keyframes marquee {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

/* ---------- Timeline ---------- */
.timeline { position: relative; padding-left: 2rem; }
.timeline-line {
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 1px;
  background: var(--white-10);
}
.timeline-item { position: relative; margin-bottom: 3.5rem; max-width: 34rem; }
.timeline-item:last-child { margin-bottom: 0; }
.timeline-dot {
  position: absolute;
  left: -2rem;
  top: 0.25rem;
  width: 1rem;
  height: 1rem;
  border-radius: 9999px;
  background: var(--gold);
  box-shadow: 0 0 0 4px rgba(212, 175, 55, 0.2);
}
.tl-title { font-size: 1.25rem; font-weight: 500; color: var(--white); }
.tl-desc { color: var(--white-55); margin-top: 0.5rem; line-height: 1.625; }

/* ---------- Broker ---------- */
.broker-grid { display: grid; gap: 3rem; align-items: center; }
.broker-photo-wrap {
  position: relative;
  border-radius: 1rem;
  overflow: hidden;
  aspect-ratio: 4 / 5;
  border: 1px solid var(--white-10);
}
.broker-photo { width: 100%; height: 100%; object-fit: cover; }
.broker-photo-fade {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0,0,0,0.6), transparent 50%);
}
.broker-caption {
  position: absolute;
  bottom: 1.5rem;
  left: 1.5rem;
}
.broker-lead {
  color: var(--white-60);
  margin-top: 1.5rem;
  font-size: 1.125rem;
  line-height: 1.625;
}
.broker-body { color: var(--white-55); margin-top: 1rem; line-height: 1.625; }
.broker-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 2.5rem;
  max-width: 32rem;
}
.boro-label {
  color: var(--white-50);
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-top: 0.25rem;
}

/* ---------- Testimonials ---------- */
.rating-summary { color: var(--white-60); }
.rating-text { font-size: 0.875rem; margin-top: 0.25rem; }
.testimonials-col {
  columns: 1;
  column-gap: 1.5rem;
}
.testimonial-card {
  margin-bottom: 1.5rem;
  break-inside: avoid;
  border-radius: 1rem;
  border: 1px solid var(--white-10);
  background: var(--bg-card2);
  padding: 2rem;
  transition: border-color .5s;
}
.testimonial-card:hover { border-color: var(--gold-faint); }
.testimonial-quote { color: rgba(212, 175, 55, 0.5); margin-bottom: 1rem; }
.testimonial-card blockquote { color: var(--white-80); line-height: 1.625; }
.testimonial-card figcaption { margin-top: 1.5rem; font-size: 0.875rem; }
.testimonial-card .name { color: var(--white); font-weight: 500; }
.testimonial-card .city { color: var(--white-40); }

/* ---------- Calculators ---------- */
.calc-shell {
  border: 1px solid var(--white-10);
  background: var(--bg-card);
  padding: 1.5rem;
}
.calc-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-bottom: 2.5rem;
}
.calc-tab {
  border: 1px solid var(--white-10);
  border-radius: 9999px;
  padding: 0.625rem 1.25rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--white-60);
  white-space: nowrap;
  transition: background-color .3s, color .3s;
}
.calc-tab.active {
  background: var(--gold);
  color: #000;
  border-color: var(--gold);
}
.calc-panel[hidden] { display: none; }
.calc-grid { display: grid; gap: 2.5rem; }
.field { margin-bottom: 1.75rem; }
.field-label {
  display: block;
  font-size: 0.875rem;
  color: var(--white-60);
  margin-bottom: 1.25rem;
}
.field-value {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  color: var(--gold);
  text-align: right;
  margin-top: -2.35rem; /* sits on same line as label */
  line-height: 1.2;
}
.slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 0.375rem;
  border-radius: 9999px;
  background: rgba(255, 255, 255, 0.12);
  outline-offset: 4px;
}
.slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 1rem;
  height: 1rem;
  border-radius: 9999px;
  background: #fff;
  border: 1px solid rgba(212, 175, 55, 0.4);
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.5);
  cursor: pointer;
}
.slider::-moz-range-thumb {
  width: 1rem;
  height: 1rem;
  border-radius: 9999px;
  background: #fff;
  border: 1px solid rgba(212, 175, 55, 0.4);
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.5);
  cursor: pointer;
}
.field-note { font-size: 0.75rem; color: var(--white-40); line-height: 1.5; }
.state-pills { display: flex; flex-wrap: wrap; gap: 0.5rem; }
.pill-btn {
  border: 1px solid var(--white-15);
  border-radius: 9999px;
  padding: 0.625rem 1.25rem;
  font-size: 0.875rem;
  color: var(--white-60);
  transition: background-color .3s, color .3s, border-color .3s;
}
.pill-btn:hover { border-color: var(--white-40); }
.pill-btn.active { background: var(--gold); color: #000; border-color: var(--gold); }
.pill-check { display: none; }
.pill-btn.active .pill-check { display: inline; }
.select {
  width: 100%;
  background: var(--bg-alt);
  border: 1px solid var(--white-15);
  border-radius: 0.75rem;
  padding: 0.875rem 1rem;
  color: var(--white);
  font-size: 0.875rem;
}
.check-label {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.875rem;
  color: var(--white-70);
  cursor: pointer;
}
.check-label input { width: 1rem; height: 1rem; accent-color: var(--gold); }
.calc-result {
  border: 1px solid rgba(212, 175, 55, 0.3);
  border-radius: 1rem;
  background: linear-gradient(135deg, rgba(212,175,55,0.1), transparent);
  padding: 2rem;
  display: flex;
  flex-direction: column;
  height: 100%;
}
.calc-result-items { display: flex; flex-direction: column; gap: 1.25rem; flex: 1; }
.calc-big { font-size: 3rem; color: var(--gold); line-height: 1.1; }
.calc-label {
  color: var(--white-50);
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-top: 0.25rem;
}
.calc-sub-item { padding-top: 1rem; border-top: 1px solid var(--white-10); }
.calc-cta { margin-top: 2rem; }

/* ---------- FAQ ---------- */
.narrow { max-width: 56rem; }
.accordion > .acc-item { border-bottom: 1px solid var(--white-10); }
.acc-item:first-child { border-top: 1px solid var(--white-10); }
.acc-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  text-align: left;
  font-family: var(--font-serif);
  font-size: 1.25rem;
  color: var(--white);
  padding: 1.5rem 0;
  transition: color .3s;
}
.acc-trigger:hover { color: var(--gold); }
.acc-chev { flex-shrink: 0; margin-left: 1rem; transition: transform .2s; }
.acc-item.open .acc-chev { transform: rotate(180deg); }
.acc-panel {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows .3s ease;
}
.acc-item.open .acc-panel { grid-template-rows: 1fr; }
.acc-body {
  overflow: hidden;
  color: var(--white-55);
  font-size: 0.875rem;
  line-height: 1.625;
  padding-bottom: 0;
}
.acc-item.open .acc-body { padding-bottom: 1.5rem; }

/* ---------- Contact ---------- */
.contact-section { position: relative; }
.contact-glow {
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 80% 20%, rgba(212,175,55,0.1), transparent 45%);
  pointer-events: none;
}
.contact-grid {
  position: relative;
  display: grid;
  gap: 3rem;
}
.contact-lead { color: var(--white-55); margin-top: 1.5rem; line-height: 1.625; }
.contact-methods { margin-top: 3rem; display: flex; flex-direction: column; gap: 1.5rem; }
.contact-method { display: flex; align-items: center; gap: 1rem; }
.contact-icon {
  width: 2.75rem;
  height: 2.75rem;
  flex-shrink: 0;
  border-radius: 9999px;
  border: 1px solid var(--white-15);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
}
.contact-link, .contact-link-static { color: var(--white-80); transition: color .3s; }
.contact-link:hover { color: var(--gold); }
.contact-form-wrap {
  border: 1px solid var(--white-10);
  border-radius: 1.5rem;
  background: rgba(255, 255, 255, 0.03);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  padding: 2rem;
}
.contact-form { display: flex; flex-direction: column; gap: 1.75rem; }
.form-row { display: grid; gap: 1.75rem; }
.form-input, .form-select, .form-textarea {
  width: 100%;
  background: transparent;
  border: 0;
  border-bottom: 1px solid var(--white-15);
  padding: 0.75rem 0;
  color: var(--white);
  transition: border-color .3s;
  border-radius: 0;
}
.form-input::placeholder, .form-textarea::placeholder { color: var(--white-30); }
.form-input:focus, .form-select:focus, .form-textarea:focus {
  outline: none;
  border-bottom-color: var(--gold);
}
.form-select { appearance: none; cursor: pointer; }
.form-select:invalid { color: var(--white-30); }
.form-textarea { resize: none; }
.form-status { font-size: 0.875rem; min-height: 1.25rem; text-align: center; }
.form-status.ok { color: var(--gold); }
.form-status.err { color: #e07a5f; }
.contact-note {
  font-size: 0.75rem;
  color: var(--white-40);
  text-align: center;
}

/* Contact form success panel — moved from DEMO OVERRIDES block */
.form-demo-success { padding: 1rem 0; }
.form-demo-success p { color: var(--white-55); line-height: 1.625; margin-top: 0.5rem; }

/* ---------- Footer ---------- */
.footer {
  background: var(--bg);
  border-top: 1px solid var(--white-10);
  padding: 4rem 0;
}
.footer-top {
  display: flex;
  flex-direction: column;
  gap: 2.5rem;
  justify-content: space-between;
}
.footer-brand { max-width: 24rem; }
.footer-tagline { color: var(--white-45); font-size: 0.875rem; margin-top: 1rem; line-height: 1.625; }
.footer-links { display: flex; flex-direction: column; gap: 2rem; }
.footer-col-title {
  color: var(--white-40);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.75rem;
  margin-bottom: 1rem;
}
.footer-link {
  display: block;
  color: var(--white-70);
  margin-bottom: 0.5rem;
  transition: color .3s;
}
.footer-link:hover { color: var(--gold); }
.footer-link-static { color: var(--white-50); }
.footer-bottom {
  margin-top: 3.5rem;
  padding-top: 2rem;
  border-top: 1px solid var(--white-10);
  display: flex;
  flex-direction: column;
  gap: 1rem;
  font-size: 0.75rem;
  color: var(--white-40);
}
.footer-legal { font-size: 0.75rem; color: var(--white-30); margin-top: 1rem; }

/* ============================================================
   RESPONSIVE
============================================================ */
@media (min-width: 640px) {
  .grid-stats { grid-template-columns: repeat(4, 1fr); }
  .stat { padding: 2rem; }
  .stat + .stat { padding-left: 2rem; }
  .grid-stats > .stat + .stat { border-right: 1px solid var(--white-10); }
  .grid-stats > .stat:last-child { border-right: 0; }
  .testimonials-col { columns: 2; }
  .form-row { grid-template-columns: repeat(2, 1fr); }
  .calc-tabs { margin-bottom: 2.5rem; }
  .calc-shell { padding: 3rem; }
  .footer-top { flex-direction: row; }
  .footer-links { flex-direction: row; gap: 3rem; }
  .section { padding-block: 7rem; }
  .section-head-row { flex-direction: row; align-items: flex-end; }
  .hero-footer-row { flex-direction: row; align-items: flex-end; }
}

@media (min-width: 640px) and (max-width: 1023px) {
  .grid-stats > .stat:nth-child(odd) { border-right: 1px solid var(--white-10); }
}

@media (min-width: 1024px) {
  .nav-links { display: flex; }
  .nav-cta-wrap { display: flex; }
  .nav-toggle { display: none; }
  .mobile-menu { display: none; }
  .hero-title { font-size: 6rem; }
  .hero-scroll { display: flex; }
  .pathways-grid { grid-template-columns: repeat(3, 1fr); }
  .services-grid { grid-template-columns: repeat(3, 1fr); }
  .manifesto > div {
    display: grid;
    grid-template-columns: repeat(12, 1fr);
    column-gap: 1.5rem;
    align-items: baseline;
  }
  .manifesto-num { grid-column: 1 / 3; font-size: 4.5rem; margin-bottom: 0; }
  .manifesto-title { grid-column: 3 / 7; font-size: 1.875rem; }
  .manifesto-body { grid-column: 7 / 13; }
  .timeline { padding-left: 0; }
  .timeline-line { left: 50%; }
  .timeline-item { width: 50%; max-width: none; }
  .tl-left { padding-right: 3.5rem; text-align: right; }
  .tl-right { margin-left: auto; padding-left: 3.5rem; }
  .dot-left { left: auto; right: -0.5rem; }
  .dot-right { left: -0.5rem; }
  .timeline-item .tl-body { max-width: 34rem; }
  .tl-left .tl-body { margin-left: auto; }
  .broker-grid { grid-template-columns: 5fr 7fr; gap: 4rem; }
  .broker-stats { grid-template-columns: repeat(3, 1fr); }
  .testimonials-col { columns: 3; }
  .calc-grid { grid-template-columns: repeat(2, 1fr); gap: 2.5rem; }
  .contact-grid { grid-template-columns: 5fr 7fr; gap: 5rem; }
  .contact-form-wrap { padding: 3rem; }
  .section { padding-block: 9rem; }
  .section-title { font-size: 3.75rem; }
  .marquee-item { font-size: 2.25rem; }
}

@media (max-width: 639px) {
  .hero-title { font-size: 13vw; }
  .grid-stats > .stat:nth-child(2n) { border-right: 0; }
  .grid-stats > .stat:nth-child(odd) { border-right: 1px solid var(--white-10); }
}