/* ==========================================================================
   LAKSHMI CHIT FUND - Design System
   Theme: Royal Navy & Antique Gold
   ========================================================================== */

:root {
  /* Core palette - Light Steel Blue Theme (#618BB9) */
  --navy-deepest: #1b3047; /* Dark slate blue for high-contrast headings and text */
  --navy-deep: #25405e;    /* Medium-dark slate blue */
  --navy: #355c85;         /* Steel blue */
  --navy-light: #618BB9;   /* Our core brand steel-blue color (#618BB9) */
  --navy-mist: #82a3c9;    /* Light steel blue */
  --navy-pale: #f0f4f9;    /* Softest light blue background */
  --navy-soft: #e2ecf5;    /* Soft blue border/hover background */

  --gold-dark: #765d21;    /* Darkened gold for better contrast on light theme */
  --gold: #765d21;
  --gold-bright: #765d21;
  --gold-glow: #a88532;
  --gold-pale: #fcf8e8;

  --ivory: #fafbfe;        /* Cleaner off-white background */
  --cream: #f4f6fc;        /* Soft light blue-cream background */
  --parchment: #e8eff6;    /* Secondary background */

  --ink: #1b3047;          /* High contrast text color */
  --ink-soft: #384e66;     /* Medium contrast text color */
  --muted: #6b829c;        /* Muted text color */

  /* Effects */
  --shadow-sm: 0 2px 8px rgba(27, 48, 71, 0.05);
  --shadow-md: 0 8px 24px rgba(27, 48, 71, 0.08);
  --shadow-lg: 0 20px 50px rgba(27, 48, 71, 0.12);
  --shadow-gold: 0 10px 40px rgba(97, 139, 185, 0.15);

  --gradient-navy: linear-gradient(135deg, #618bb9 0%, #4b74a1 100%); /* Steel-blue brand gradient */
  --gradient-gold: linear-gradient(135deg, #5c461a 0%, #765d21 50%, #9e7f3b 100%);
  --gradient-gold-soft: linear-gradient(135deg, #765d21 0%, #fcf8e8 100%);

  /* Typography */
  --font-display: 'Cormorant Garamond', 'Playfair Display', Georgia, serif;
  --font-serif: 'Cormorant Garamond', Georgia, serif;
  --font-sans: 'Outfit', 'Helvetica Neue', Arial, sans-serif;
  --font-accent: 'Cinzel', 'Trajan Pro', serif;

  /* Layout */
  --max-width: 1280px;
  --radius-sm: 4px;
  --radius: 8px;
  --radius-lg: 16px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

/* ==========================================================================
   Reset & Base
   ========================================================================== */

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

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
  width: 100%;
}

body {
  font-family: var(--font-sans);
  font-weight: 300;
  color: var(--ink);
  background: var(--ivory);
  line-height: 1.65;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; transition: color 0.3s var(--ease); }
button { font-family: inherit; cursor: pointer; border: none; background: none; }

/* ==========================================================================
   Typography
   ========================================================================== */

h1, h2, h3, h4, h5 {
  font-family: var(--font-display);
  font-weight: 500;
  line-height: 1.15;
  letter-spacing: -0.01em;
  color: var(--navy-deepest);
}

h1 { font-size: clamp(2.5rem, 6vw, 5.5rem); font-weight: 400; }
h2 { font-size: clamp(2rem, 4.5vw, 3.5rem); }
h3 { font-size: clamp(1.5rem, 3vw, 2.25rem); }
h4 { font-size: 1.35rem; }

.eyebrow {
  font-family: var(--font-accent);
  font-size: 0.75rem;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: var(--gold-dark);
  font-weight: 500;
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
}

.eyebrow::before {
  content: '';
  width: 40px;
  height: 1px;
  background: var(--gold);
}

.eyebrow.center::after {
  content: '';
  width: 40px;
  height: 1px;
  background: var(--gold);
}

.display-italic {
  font-style: italic;
  font-weight: 400;
  color: var(--gold-dark);
}

p { font-size: 1.05rem; color: var(--ink-soft); }
.lead { font-size: 1.25rem; line-height: 1.6; color: var(--ink-soft); font-weight: 300; }

/* ==========================================================================
   Layout Utilities
   ========================================================================== */

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 2rem;
}

.container-narrow {
  max-width: 920px;
  margin: 0 auto;
  padding: 0 2rem;
}

section {
  padding: 6rem 0;
  position: relative;
}

.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 4rem;
}

.section-header h2 {
  margin-top: 1.25rem;
  margin-bottom: 1.25rem;
}

.divider-ornament {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1rem;
  margin: 1.5rem 0;
}

.divider-ornament::before,
.divider-ornament::after {
  content: '';
  width: 60px;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}

.divider-ornament span {
  color: var(--gold);
  font-size: 1rem;
}

/* ==========================================================================
   Navigation
   ========================================================================== */

.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  padding: 1.25rem 0;
  transition: all 0.4s var(--ease);
  background: rgba(10, 22, 40, 0.0);
  backdrop-filter: blur(0px);
}

.navbar.scrolled {
  background: rgba(10, 22, 40, 0.92);
  backdrop-filter: blur(20px);
  padding: 0.85rem 0;
  box-shadow: 0 2px 30px rgba(0, 0, 0, 0.15);
  border-bottom: 1px solid rgba(201, 169, 97, 0.15);
}

.nav-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 2rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  color: var(--ivory);
  font-family: var(--font-accent);
  font-weight: 600;
  font-size: 1.6rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
}

.logo-mark {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--gradient-gold);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy-deepest);
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 600;
  font-style: italic;
  box-shadow: 0 4px 12px rgba(201, 169, 97, 0.35);
  position: relative;
}

.logo-img {
  height: 54px;
  width: auto;
  display: block;
  border-radius: 4px;
}

.logo-mark::before {
  content: '';
  position: absolute;
  inset: -3px;
  border-radius: 50%;
  border: 1px solid var(--gold);
  opacity: 0.4;
}

.logo-text { line-height: 1; }
.logo-text small {
  display: block;
  font-size: 0.62rem;
  letter-spacing: 0.22em;
  color: var(--gold);
  margin-top: 3px;
  font-weight: 600;
}

.nav-links {
  display: flex;
  gap: 2.5rem;
  list-style: none;
  align-items: center;
}

.nav-links a {
  color: var(--ivory);
  font-size: 0.85rem;
  font-weight: 400;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  position: relative;
  padding: 0.5rem 0;
}

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 1px;
  background: var(--gold);
  transition: width 0.4s var(--ease);
}

.nav-links a:hover::after,
.nav-links a.active::after {
  width: 100%;
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--gold-bright);
}

.nav-links .nav-cta {
  display: inline-block;
  padding: 0.85rem 2rem;
  background: var(--gradient-gold);
  color: var(--navy-deepest) !important;
  font-weight: 600;
  border-radius: 2px;
  transition: all 0.3s var(--ease);
  font-size: 0.8rem !important;
  letter-spacing: 0.15em;
  box-shadow: 0 4px 15px rgba(201, 169, 97, 0.25);
  border: none;
}

.nav-links .nav-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(201, 169, 97, 0.4);
  color: var(--navy-deepest) !important;
  background: var(--gold-bright);
}

.nav-links .nav-cta::after { display: none !important; }

.mobile-toggle {
  display: none;
  color: var(--ivory);
  font-size: 1.5rem;
  cursor: pointer;
}

/* ==========================================================================
   Buttons
   ========================================================================== */

.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.85rem 1.8rem;
  font-family: var(--font-accent);
  font-size: 0.85rem;
  font-weight: 500;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  border-radius: 2px;
  transition: all 0.4s var(--ease);
  position: relative;
  overflow: hidden;
  cursor: pointer;
}

.btn-primary {
  background: var(--gradient-gold);
  color: var(--navy-deepest);
  box-shadow: var(--shadow-gold);
}

.btn-primary::before {
  content: '';
  position: absolute;
  top: 0;
  left: -100%;
  width: 100%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.4), transparent);
  transition: left 0.6s var(--ease);
}

.btn-primary:hover::before { left: 100%; }

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 15px 40px rgba(201, 169, 97, 0.4);
}

.btn-outline {
  background: transparent;
  color: var(--ivory);
  border: 1px solid var(--gold);
}

.btn-outline:hover {
  background: var(--gold);
  color: var(--navy-deepest);
}

.btn-dark {
  background: var(--navy-deepest);
  color: var(--gold-bright);
  border: 1px solid var(--navy-deepest);
}

.btn-dark:hover {
  background: transparent;
  color: var(--navy-deepest);
  border-color: var(--navy-deepest);
}

.btn-arrow { transition: transform 0.3s var(--ease); }
.btn:hover .btn-arrow { transform: translateX(4px); }

/* ==========================================================================
   Hero
   ========================================================================== */

.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: var(--gradient-navy);
  color: var(--ivory);
  padding: 8rem 0 4rem;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 20% 30%, rgba(201, 169, 97, 0.15) 0%, transparent 50%),
    radial-gradient(circle at 80% 70%, rgba(201, 169, 97, 0.1) 0%, transparent 50%);
  pointer-events: none;
}

.hero-pattern {
  position: absolute;
  inset: 0;
  opacity: 0.08;
  background-image: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23c9a961' fill-opacity='1'%3E%3Cpath d='M30 30m-2 0a2 2 0 1 1 4 0a2 2 0 1 1 -4 0'/%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}

.hero-inner {
  position: relative;
  z-index: 2;
  max-width: 100%;
  margin: 0 auto;
  padding: 0 5%;
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 4rem;
  align-items: center;
}

.hero-content h1 {
  color: var(--ivory);
  margin: 1.5rem 0;
}

.hero-content h1 .gold-text {
  background: var(--gradient-gold);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  font-style: italic;
  font-weight: 300;
}

.hero-content .lead {
  color: rgba(250, 246, 236, 0.8);
  max-width: 540px;
  margin-bottom: 2.5rem;
}

.hero-actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

.hero-stats {
  margin-top: 4rem;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  padding-top: 3rem;
  border-top: 1px solid rgba(201, 169, 97, 0.2);
  max-width: 600px;
}

.hero-stat-num {
  font-family: var(--font-display);
  font-size: 2.5rem;
  color: var(--gold-bright);
  font-weight: 500;
  line-height: 1;
  display: block;
}

.hero-stat-label {
  font-size: 0.75rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(250, 246, 236, 0.6);
  margin-top: 0.5rem;
  font-family: var(--font-accent);
}

/* Hero Visual - Premium Fintech Dashboard Mockup */
.hero-visual {
  position: relative;
  height: 560px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.coin-display {
  position: relative;
  width: 100%;
  max-width: 460px;
  aspect-ratio: 1;
}

.ornament-circle {
  position: absolute;
  border-radius: 50%;
  border: 1px solid rgba(235, 208, 140, 0.35);
}

.ornament-circle.outer {
  inset: 0;
  border-color: rgba(255, 255, 255, 0.25);
  animation: slowRotate 60s linear infinite;
}

.ornament-circle.outer::before,
.ornament-circle.outer::after {
  content: '✦';
  position: absolute;
  color: #ebd08c;
  font-size: 1.1rem;
}

.ornament-circle.outer::before { top: -8px; left: 50%; transform: translateX(-50%); }
.ornament-circle.outer::after { bottom: -8px; left: 50%; transform: translateX(-50%); }

.ornament-circle.middle {
  inset: 40px;
  border-color: rgba(235, 208, 140, 0.45);
  border-style: dashed;
  animation: slowRotate 40s linear infinite reverse;
}

.ornament-circle.inner {
  inset: 80px;
  background: radial-gradient(circle, rgba(235, 208, 140, 0.22), transparent 70%);
  border: none;
}

.hero-coin {
  position: absolute;
  inset: 120px;
  border-radius: 50%;
  background: linear-gradient(135deg, #fff1cc 0%, #ebd08c 50%, #b89542 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow:
    0 0 60px rgba(235, 208, 140, 0.35),
    inset 0 0 30px rgba(255, 255, 255, 0.6),
    inset 0 -10px 20px rgba(0, 0, 0, 0.15);
  animation: floatCoin 6s ease-in-out infinite;
}

.hero-coin-inner {
  width: 90%;
  height: 90%;
  border-radius: 50%;
  border: 2px solid rgba(118, 93, 33, 0.35);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  color: var(--navy-deepest);
  text-align: center;
}

.hero-coin-symbol {
  font-family: var(--font-display);
  font-size: 4rem;
  font-style: italic;
  font-weight: 500;
  line-height: 1;
  color: var(--navy-deepest);
}

.hero-coin-text {
  font-family: var(--font-accent);
  font-size: 0.65rem;
  letter-spacing: 0.3em;
  margin-top: 0.5rem;
  text-transform: uppercase;
  color: var(--navy-deepest);
}

@keyframes floatCoin {
  0%, 100% { transform: translateY(0) rotate(0deg); }
  50% { transform: translateY(-12px) rotate(3deg); }
}


@keyframes slowRotate {
  from { transform: rotate(0deg); }
  to { transform: rotate(360deg); }
}

.hero-scroll {
  display: none;
}

.hero-scroll::after {
  content: '';
  width: 1px;
  height: 40px;
  background: linear-gradient(to bottom, var(--gold), transparent);
  animation: scrollLine 2s ease-in-out infinite;
}

@keyframes scrollLine {
  0%, 100% { transform: scaleY(0.5); transform-origin: top; }
  50% { transform: scaleY(1); transform-origin: top; }
}

/* ==========================================================================
   Trust Bar
   ========================================================================== */

.trust-bar {
  background: var(--navy-deepest);
  color: var(--ivory);
  padding: 2rem 0;
  border-top: 1px solid rgba(201, 169, 97, 0.15);
  border-bottom: 1px solid rgba(201, 169, 97, 0.15);
}

.trust-items {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 2rem;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 1rem;
  justify-content: flex-start;
  text-align: left;
}

.trust-item:not(:last-child) {
  border-right: 1px solid rgba(201, 169, 97, 0.15);
}

.trust-icon {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: rgba(201, 169, 97, 0.1);
  border: 1px solid rgba(201, 169, 97, 0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-bright);
  font-size: 1.25rem;
  flex-shrink: 0;
}

.trust-text strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.1rem;
  color: var(--gold-bright);
  font-weight: 500;
}

.trust-text span {
  font-size: 0.75rem;
  letter-spacing: 0.1em;
  color: rgba(250, 246, 236, 0.6);
  text-transform: uppercase;
}

/* ==========================================================================
   Section: About Preview
   ========================================================================== */

.about-preview {
  background: var(--ivory);
  position: relative;
}

.about-preview::before {
  content: '';
  position: absolute;
  top: 4rem;
  right: 2rem;
  font-family: var(--font-display);
  font-size: 20rem;
  color: var(--gold);
  opacity: 0.04;
  font-style: italic;
  line-height: 1;
  pointer-events: none;
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 5rem;
  align-items: center;
}

.about-visual {
  position: relative;
  aspect-ratio: 4/5;
  background: var(--gradient-navy);
  border-radius: 2px;
  box-shadow: var(--shadow-lg);
}

.about-visual::before {
  content: '';
  position: absolute;
  inset: 20px;
  border: 1px solid rgba(201, 169, 97, 0.4);
  pointer-events: none;
  z-index: 2;
}

.about-visual-content {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  color: var(--ivory);
  padding: 3rem;
  text-align: center;
}

.about-visual-year {
  font-family: var(--font-display);
  font-size: 8rem;
  font-style: italic;
  color: var(--gold-bright);
  line-height: 1;
  font-weight: 400;
}

.about-visual-content p {
  color: rgba(250, 246, 236, 0.85);
  margin-top: 1rem;
  font-family: var(--font-accent);
  letter-spacing: 0.2em;
  font-size: 0.85rem;
  text-transform: uppercase;
}

.about-badge {
  position: absolute;
  bottom: -40px;
  right: -40px;
  width: 160px;
  height: 160px;
  border-radius: 50%;
  background: var(--gradient-gold);
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  color: var(--navy-deepest);
  box-shadow: var(--shadow-gold);
  font-family: var(--font-accent);
  font-size: 0.75rem;
  letter-spacing: 0.15em;
  font-weight: 600;
  text-transform: uppercase;
  line-height: 1.4;
  z-index: 3;
}

.about-badge::before {
  content: '';
  position: absolute;
  inset: 8px;
  border-radius: 50%;
  border: 1px solid rgba(10, 22, 40, 0.3);
}

.feature-list {
  list-style: none;
  margin-top: 2rem;
}

.feature-list li {
  display: flex;
  gap: 1rem;
  padding: 1.25rem 0;
  border-bottom: 1px solid rgba(10, 22, 40, 0.08);
}

.feature-list li:last-child { border-bottom: none; }

.feature-check {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--navy-deepest);
  color: var(--gold-bright);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 0.9rem;
}

.feature-list h4 {
  font-size: 1.1rem;
  margin-bottom: 0.25rem;
  font-family: var(--font-sans);
  font-weight: 500;
  color: var(--navy-deepest);
}

.feature-list p { margin: 0; font-size: 0.95rem; }

/* ==========================================================================
   Schemes Section
   ========================================================================== */

.schemes-section {
  background: var(--navy-deepest);
  color: var(--ivory);
  position: relative;
  overflow: hidden;
}

.schemes-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(201, 169, 97, 0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201, 169, 97, 0.03) 1px, transparent 1px);
  background-size: 60px 60px;
  pointer-events: none;
}

.schemes-section .section-header h2 { color: var(--ivory); }
.schemes-section .section-header p { color: rgba(250, 246, 236, 0.7); }

.schemes-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  position: relative;
  z-index: 2;
}

.scheme-card {
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(201, 169, 97, 0.2);
  padding: 2.5rem 2rem;
  border-radius: 2px;
  position: relative;
  transition: all 0.5s var(--ease);
  backdrop-filter: blur(10px);
  overflow: hidden;
}

.scheme-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 3px;
  background: var(--gradient-gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.5s var(--ease);
}

.scheme-card:hover {
  transform: translateY(-8px);
  background: rgba(201, 169, 97, 0.08);
  border-color: var(--gold);
}

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

.scheme-card.featured {
  background: var(--gradient-navy);
  border-color: var(--gold);
  transform: scale(1.02);
}

.scheme-card.featured::before { transform: scaleX(1); }

.featured-badge {
  position: absolute;
  top: 1.5rem;
  right: 1.5rem;
  background: var(--gradient-gold);
  color: var(--navy-deepest);
  padding: 0.35rem 0.85rem;
  font-family: var(--font-accent);
  font-size: 0.65rem;
  letter-spacing: 0.2em;
  font-weight: 600;
  text-transform: uppercase;
  border-radius: 2px;
}

.scheme-icon {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: rgba(201, 169, 97, 0.1);
  border: 1px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-bright);
  font-size: 1.75rem;
  margin-bottom: 1.5rem;
  font-family: var(--font-display);
  font-style: italic;
}

.scheme-name {
  color: var(--ivory);
  font-size: 1.6rem;
  margin-bottom: 0.5rem;
}

.scheme-tagline {
  color: var(--gold);
  font-family: var(--font-accent);
  font-size: 0.75rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}

.scheme-amount {
  font-family: var(--font-display);
  font-size: 2.5rem;
  color: var(--gold-bright);
  font-weight: 500;
  line-height: 1;
  margin-bottom: 0.25rem;
}

.scheme-amount small {
  font-size: 1rem;
  color: rgba(250, 246, 236, 0.6);
}

.scheme-duration {
  font-size: 0.85rem;
  color: rgba(250, 246, 236, 0.6);
  margin-bottom: 1.5rem;
  padding-bottom: 1.5rem;
  border-bottom: 1px solid rgba(201, 169, 97, 0.15);
}

.scheme-features {
  list-style: none;
  margin-bottom: 2rem;
}

.scheme-features li {
  padding: 0.5rem 0;
  color: rgba(250, 246, 236, 0.85);
  font-size: 0.95rem;
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.scheme-features li::before {
  content: '◆';
  color: var(--gold);
  font-size: 0.65rem;
}

.scheme-btn {
  display: block;
  width: 100%;
  text-align: center;
  padding: 0.85rem;
  border: 1px solid var(--gold);
  color: var(--gold-bright);
  font-family: var(--font-accent);
  font-size: 0.75rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  transition: all 0.3s var(--ease);
  border-radius: 2px;
}

.scheme-btn:hover {
  background: var(--gold);
  color: var(--navy-deepest);
}

/* ==========================================================================
   Process Section
   ========================================================================== */

.process-section {
  background: var(--cream);
  position: relative;
  overflow: hidden;
}

.process-timeline {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  position: relative;
  margin-top: 4rem;
}

.process-timeline::before {
  content: '';
  position: absolute;
  top: 40px;
  left: 10%;
  right: 10%;
  height: 1px;
  background: repeating-linear-gradient(90deg, var(--gold) 0, var(--gold) 8px, transparent 8px, transparent 16px);
  z-index: 0;
}

.process-step {
  text-align: center;
  position: relative;
  z-index: 2;
}

.process-number {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: var(--ivory);
  border: 2px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem;
  font-family: var(--font-display);
  font-size: 2rem;
  font-style: italic;
  color: var(--navy-deepest);
  font-weight: 500;
  position: relative;
  transition: all 0.4s var(--ease);
}

.process-number::before {
  content: '';
  position: absolute;
  inset: -8px;
  border-radius: 50%;
  border: 1px solid rgba(201, 169, 97, 0.3);
}

.process-step:hover .process-number {
  background: var(--gradient-gold);
  transform: scale(1.05);
}

.process-step h4 {
  margin-bottom: 0.5rem;
  color: var(--navy-deepest);
  font-family: var(--font-display);
  font-size: 1.3rem;
}

.process-step p {
  font-size: 0.95rem;
  max-width: 220px;
  margin: 0 auto;
}

/* ==========================================================================
   Testimonials
   ========================================================================== */

.testimonials-section {
  background: var(--ivory);
  position: relative;
}

.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  margin-top: 4rem;
}

.testimonial-card {
  background: var(--navy-deepest);
  color: var(--ivory);
  padding: 2.5rem;
  border-radius: 2px;
  position: relative;
  transition: all 0.4s var(--ease);
  overflow: hidden;
}

.testimonial-card:nth-child(2) {
  background: var(--gradient-navy);
  transform: translateY(-20px);
}

.testimonial-card::before {
  content: '"';
  position: absolute;
  top: 1rem;
  right: 2rem;
  font-family: var(--font-display);
  font-size: 7rem;
  color: var(--gold);
  opacity: 0.2;
  line-height: 1;
  font-style: italic;
}

.testimonial-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
}

.testimonial-card:nth-child(2):hover { transform: translateY(-25px); }

.testimonial-text {
  color: rgba(250, 246, 236, 0.9);
  font-family: var(--font-serif);
  font-size: 1.15rem;
  font-style: italic;
  line-height: 1.7;
  margin-bottom: 2rem;
  position: relative;
  z-index: 2;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(201, 169, 97, 0.2);
}

.author-avatar {
  width: 50px;
  height: 50px;
  border-radius: 50%;
  background: var(--gradient-gold);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy-deepest);
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 600;
  flex-shrink: 0;
}

.author-info strong {
  display: block;
  color: var(--gold-bright);
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 500;
}

.author-info span {
  font-size: 0.8rem;
  color: rgba(250, 246, 236, 0.6);
  letter-spacing: 0.05em;
}

.star-rating {
  display: flex;
  gap: 0.25rem;
  margin-bottom: 1rem;
  color: var(--gold-bright);
}

/* ==========================================================================
   CTA Section
   ========================================================================== */

.cta-section {
  background: var(--gradient-navy);
  color: var(--ivory);
  padding: 5rem 0;
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 30% 50%, rgba(201, 169, 97, 0.15), transparent 70%);
}

.cta-inner {
  position: relative;
  z-index: 2;
  text-align: center;
  max-width: 720px;
  margin: 0 auto;
}

.cta-inner h2 {
  color: var(--ivory);
  margin: 1.5rem 0;
}

.cta-inner h2 .italic-gold {
  font-style: italic;
  color: var(--gold-bright);
  font-weight: 400;
}

.cta-inner p {
  color: rgba(250, 246, 236, 0.8);
  margin-bottom: 2.5rem;
  font-size: 1.15rem;
}

/* ==========================================================================
   Footer
   ========================================================================== */

.footer {
  background: #050d1c;
  color: var(--ivory);
  padding: 5rem 0 0;
  position: relative;
}

.footer::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 3rem;
  padding-bottom: 3rem;
}

.footer-brand .logo { margin-bottom: 1.5rem; }

.footer-brand p {
  color: rgba(250, 246, 236, 0.65);
  font-size: 0.95rem;
  margin-bottom: 2rem;
  max-width: 320px;
}

.social-links {
  display: flex;
  gap: 0.75rem;
}

.social-links a {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  border: 1px solid rgba(201, 169, 97, 0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-bright);
  transition: all 0.3s var(--ease);
}

.social-links a:hover {
  background: var(--gold);
  color: var(--navy-deepest);
  border-color: var(--gold);
}

.footer-col h5 {
  font-family: var(--font-accent);
  font-size: 0.85rem;
  letter-spacing: 0.2em;
  color: var(--gold-bright);
  text-transform: uppercase;
  margin-bottom: 1.5rem;
  font-weight: 500;
}

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

.footer-col ul li {
  padding: 0.5rem 0;
}

.footer-col ul a {
  color: rgba(250, 246, 236, 0.65);
  font-size: 0.95rem;
  transition: all 0.3s var(--ease);
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
}

.footer-col ul a::before {
  content: '›';
  color: var(--gold);
  opacity: 0;
  transform: translateX(-5px);
  transition: all 0.3s var(--ease);
}

.footer-col ul a:hover {
  color: var(--gold-bright);
}

.footer-col ul a:hover::before {
  opacity: 1;
  transform: translateX(0);
}

.footer-contact li {
  display: flex;
  gap: 0.75rem;
  color: rgba(250, 246, 236, 0.65);
  font-size: 0.95rem;
  padding: 0.5rem 0 !important;
}

.footer-contact li i {
  color: var(--gold);
  margin-top: 3px;
}

.footer-bottom {
  border-top: 1px solid rgba(201, 169, 97, 0.15);
  padding: 1.5rem 0;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
  font-size: 0.85rem;
  color: rgba(250, 246, 236, 0.5);
}

.footer-bottom a {
  color: rgba(250, 246, 236, 0.65);
  margin-left: 1.5rem;
}

.footer-bottom a:hover { color: var(--gold-bright); }

/* ==========================================================================
   Page Hero (Inner Pages)
   ========================================================================== */

.page-hero {
  background: var(--gradient-navy);
  color: var(--ivory);
  padding: 10rem 0 6rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 50% 100%, rgba(201, 169, 97, 0.2) 0%, transparent 60%);
}

.page-hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23c9a961' fill-opacity='0.06'%3E%3Cpath d='M40 40m-1 0a1 1 0 1 1 2 0a1 1 0 1 1 -2 0'/%3E%3C/g%3E%3C/svg%3E");
}

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

.page-hero h1 {
  color: var(--ivory);
  margin: 1.5rem auto;
  max-width: 900px;
}

.page-hero h1 .italic-gold {
  font-style: italic;
  color: var(--gold-bright);
  font-weight: 400;
}

.breadcrumb {
  color: rgba(250, 246, 236, 0.7);
  font-family: var(--font-accent);
  font-size: 0.8rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  display: flex;
  justify-content: center;
  gap: 0.5rem;
  align-items: center;
}

.breadcrumb a { color: var(--gold-bright); }
.breadcrumb span { color: rgba(201, 169, 97, 0.5); }

/* ==========================================================================
   FAQ
   ========================================================================== */

.faq-container {
  max-width: 880px;
  margin: 0 auto;
}

.faq-category {
  margin-bottom: 3rem;
}

.faq-category-title {
  font-family: var(--font-accent);
  font-size: 0.85rem;
  letter-spacing: 0.25em;
  color: var(--gold-dark);
  text-transform: uppercase;
  margin-bottom: 1.5rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid rgba(201, 169, 97, 0.3);
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.faq-category-title::before {
  content: '';
  width: 30px;
  height: 1px;
  background: var(--gold);
}

.faq-item {
  background: var(--ivory);
  border: 1px solid rgba(10, 22, 40, 0.08);
  margin-bottom: 1rem;
  border-radius: 2px;
  overflow: hidden;
  transition: all 0.3s var(--ease);
}

.faq-item:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-sm);
}

.faq-item.open {
  border-color: var(--gold);
  background: var(--cream);
}

.faq-question {
  width: 100%;
  padding: 1.5rem 1.75rem;
  text-align: left;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  font-family: var(--font-display);
  font-size: 1.2rem;
  color: var(--navy-deepest);
  font-weight: 500;
  transition: all 0.3s var(--ease);
}

.faq-icon {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: 1px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-dark);
  flex-shrink: 0;
  transition: all 0.4s var(--ease);
  font-size: 0.9rem;
}

.faq-item.open .faq-icon {
  background: var(--gradient-gold);
  color: var(--navy-deepest);
  transform: rotate(45deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.5s var(--ease);
}

.faq-answer-inner {
  padding: 0 1.75rem 1.5rem;
  color: var(--ink-soft);
  line-height: 1.7;
}

.faq-item.open .faq-answer { max-height: 500px; }

/* ==========================================================================
   Contact Page
   ========================================================================== */

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 4rem;
}

.contact-info h2 { margin-bottom: 1rem; }

.contact-info .lead { margin-bottom: 3rem; }

.contact-cards {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.contact-card {
  background: var(--ivory);
  padding: 1.75rem;
  border-left: 3px solid var(--gold);
  display: flex;
  gap: 1.25rem;
  align-items: flex-start;
  transition: all 0.3s var(--ease);
  box-shadow: var(--shadow-sm);
}

.contact-card:hover {
  transform: translateX(5px);
  box-shadow: var(--shadow-md);
  border-left-color: var(--navy-deepest);
}

.contact-card-icon {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--navy-deepest);
  color: var(--gold-bright);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 1.1rem;
}

.contact-card h4 {
  font-family: var(--font-display);
  color: var(--navy-deepest);
  margin-bottom: 0.35rem;
  font-size: 1.25rem;
}

.contact-card p {
  font-size: 0.95rem;
  line-height: 1.6;
  margin: 0;
}

.contact-card a {
  color: var(--navy-deepest);
  font-weight: 500;
}

.contact-card a:hover { color: var(--gold-dark); }

.contact-form-wrap {
  background: var(--ivory);
  padding: 3rem;
  border-radius: 2px;
  box-shadow: var(--shadow-md);
  position: relative;
  border: 1px solid rgba(201, 169, 97, 0.2);
}

.contact-form-wrap::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 60px;
  height: 60px;
  border-top: 2px solid var(--gold);
  border-left: 2px solid var(--gold);
}

.contact-form-wrap::after {
  content: '';
  position: absolute;
  bottom: 0;
  right: 0;
  width: 60px;
  height: 60px;
  border-bottom: 2px solid var(--gold);
  border-right: 2px solid var(--gold);
}

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

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
}

.form-label {
  display: block;
  font-family: var(--font-accent);
  font-size: 0.7rem;
  letter-spacing: 0.2em;
  color: var(--gold-dark);
  text-transform: uppercase;
  margin-bottom: 0.5rem;
  font-weight: 500;
}

.form-control {
  width: 100%;
  padding: 0.85rem 0;
  border: none;
  border-bottom: 1px solid rgba(10, 22, 40, 0.2);
  background: transparent;
  font-family: var(--font-sans);
  font-size: 1rem;
  color: var(--navy-deepest);
  transition: all 0.3s var(--ease);
}

.form-control:focus {
  outline: none;
  border-bottom-color: var(--gold);
}

select.form-control { cursor: pointer; }

textarea.form-control {
  resize: vertical;
  min-height: 120px;
  padding-top: 1rem;
}

.form-submit {
  width: 100%;
  padding: 1.15rem;
  background: var(--navy-deepest);
  color: var(--gold-bright);
  font-family: var(--font-accent);
  font-size: 0.85rem;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  border-radius: 2px;
  cursor: pointer;
  transition: all 0.4s var(--ease);
  margin-top: 1rem;
  border: 1px solid var(--navy-deepest);
}

.form-submit:hover {
  background: var(--gradient-gold);
  color: var(--navy-deepest);
  border-color: var(--gold);
}

/* ==========================================================================
   About Page
   ========================================================================== */

.story-section {
  background: var(--ivory);
}

.story-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  align-items: center;
}

.story-image {
  aspect-ratio: 4/5;
  background: var(--gradient-navy);
  position: relative;
}

.story-image-content {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  color: var(--ivory);
  padding: 3rem;
  text-align: center;
}

.story-image::before {
  content: '';
  position: absolute;
  inset: 20px;
  border: 1px solid rgba(201, 169, 97, 0.3);
  z-index: 2;
  pointer-events: none;
}

.story-image-symbol {
  font-family: var(--font-display);
  font-size: 9rem;
  color: var(--gold-bright);
  font-style: italic;
  line-height: 1;
}

.story-content h2 { margin-bottom: 1.5rem; }

.story-content p {
  margin-bottom: 1.25rem;
  line-height: 1.8;
}

.values-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2.5rem;
  margin-top: 4rem;
}

@media (min-width: 992px) {
  .values-grid > .value-card:last-child:nth-child(3n-2) {
    grid-column: 2;
  }
}

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

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

.value-card {
  text-align: center;
  padding: 2.5rem 2rem;
  background: var(--ivory);
  border: 1px solid rgba(201, 169, 97, 0.2);
  border-radius: 2px;
  transition: all 0.4s var(--ease);
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  align-items: center;
  height: 100%;
}

.value-card > * {
  width: 100%;
}

.value-card:hover {
  transform: translateY(-8px);
  border-color: var(--gold);
  box-shadow: var(--shadow-md);
}

.value-icon {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: var(--gradient-navy);
  color: var(--gold-bright);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem;
  font-size: 1.75rem;
  position: relative;
}

.value-icon::before {
  content: '';
  position: absolute;
  inset: -8px;
  border-radius: 50%;
  border: 1px solid var(--gold);
}

.value-card h4 {
  font-family: var(--font-display);
  color: var(--navy-deepest);
  font-size: 1.4rem;
  margin-bottom: 0.75rem;
}

.team-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2rem;
  margin: 4rem auto 0;
  max-width: 900px;
}

.team-card {
  text-align: center;
  padding: 3rem 2rem 2rem;
  background: var(--ivory);
  border: 1px solid rgba(201, 169, 97, 0.2);
  transition: all 0.3s var(--ease);
}

.team-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--gold);
}

.team-avatar {
  width: 120px;
  height: 120px;
  border-radius: 50%;
  background: var(--gradient-navy);
  color: var(--gold-bright);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem;
  font-family: var(--font-display);
  font-size: 2.5rem;
  font-style: italic;
  font-weight: 500;
  position: relative;
  border: 2px solid var(--gold);
}

.team-card h4 {
  font-family: var(--font-display);
  font-size: 1.4rem;
  color: var(--navy-deepest);
  margin-bottom: 0.25rem;
}

.team-role {
  font-family: var(--font-accent);
  font-size: 0.75rem;
  letter-spacing: 0.2em;
  color: var(--gold-dark);
  text-transform: uppercase;
  margin-bottom: 1rem;
}

/* ==========================================================================
   Policies Page
   ========================================================================== */

.policies-layout {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 4rem;
  align-items: flex-start;
}

.policies-nav {
  position: sticky;
  top: 100px;
  padding: 1.5rem;
  background: var(--cream);
  border: 1px solid rgba(201, 169, 97, 0.2);
  border-radius: 2px;
}

.policies-nav h5 {
  font-family: var(--font-accent);
  font-size: 0.75rem;
  letter-spacing: 0.25em;
  color: var(--gold-dark);
  text-transform: uppercase;
  margin-bottom: 1rem;
}

.policies-nav ul { list-style: none; }

.policies-nav ul a {
  display: block;
  padding: 0.65rem 0;
  color: var(--ink-soft);
  font-size: 0.9rem;
  border-left: 2px solid transparent;
  padding-left: 1rem;
  transition: all 0.3s var(--ease);
}

.policies-nav ul a.active,
.policies-nav ul a:hover {
  color: var(--navy-deepest);
  border-left-color: var(--gold);
  background: rgba(201, 169, 97, 0.05);
}

.policy-content {
  width: 100%;
  word-break: break-word;
}

.policy-content article {
  margin-bottom: 4rem;
  scroll-margin-top: 100px;
}

.policy-content h2 {
  font-size: 2rem;
  margin-bottom: 0.5rem;
  color: var(--navy-deepest);
  padding-bottom: 1rem;
  border-bottom: 1px solid rgba(201, 169, 97, 0.3);
}

.policy-content .meta {
  color: var(--muted);
  font-size: 0.85rem;
  margin-bottom: 1.5rem;
  font-family: var(--font-accent);
  letter-spacing: 0.15em;
  text-transform: uppercase;
}

.policy-content h3 {
  color: var(--navy-deepest);
  font-size: 1.35rem;
  margin: 2rem 0 1rem;
  font-family: var(--font-display);
}

.policy-content p {
  margin-bottom: 1rem;
  line-height: 1.8;
}

.policy-content ul, .policy-content ol {
  padding-left: 1.5rem;
  margin-bottom: 1rem;
}

.policy-content li {
  padding: 0.35rem 0;
  color: var(--ink-soft);
  line-height: 1.7;
}

/* ==========================================================================
   Scheme Calculator / Detailed Scheme Page
   ========================================================================== */

.calc-section {
  background: var(--cream);
}

.calc-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  background: var(--navy-deepest);
  border-radius: 2px;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

.calc-inputs {
  padding: 3rem;
  color: var(--ivory);
}

.calc-inputs h3 {
  color: var(--ivory);
  margin-bottom: 0.5rem;
}

.calc-inputs p {
  color: rgba(250, 246, 236, 0.7);
  margin-bottom: 2rem;
}

.calc-inputs .form-label {
  color: var(--gold-bright);
}

.calc-inputs .form-control {
  color: var(--ivory);
  border-bottom-color: rgba(201, 169, 97, 0.3);
}

.calc-inputs .form-control:focus {
  border-bottom-color: var(--gold);
}

.calc-inputs select.form-control option {
  background: var(--navy-deepest);
  color: var(--ivory);
}

.calc-output {
  padding: 3rem;
  background: var(--gradient-gold);
  color: var(--navy-deepest);
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.calc-output-label {
  font-family: var(--font-accent);
  font-size: 0.75rem;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  margin-bottom: 0.75rem;
}

.calc-output-amount {
  font-family: var(--font-display);
  font-size: 4rem;
  font-weight: 500;
  line-height: 1;
  margin-bottom: 0.5rem;
}

.calc-output-note {
  font-size: 0.95rem;
  margin-bottom: 2rem;
  opacity: 0.9;
}

.calc-breakdown {
  padding-top: 1.5rem;
  border-top: 1px solid rgba(10, 22, 40, 0.25);
}

.calc-breakdown-row {
  display: flex;
  justify-content: space-between;
  padding: 0.5rem 0;
  font-size: 0.95rem;
}

.calc-breakdown-row span:last-child {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 1.1rem;
}

/* ==========================================================================
   Animations - On-Scroll Reveal
   ========================================================================== */

.reveal {
  opacity: 0;
  will-change: transform, opacity;
  transition: opacity 1.2s cubic-bezier(0.16, 1, 0.3, 1), transform 1.2s cubic-bezier(0.16, 1, 0.3, 1);
}

/* Default and Reveal Up: Slide up */
.reveal,
.reveal.reveal-up {
  transform: translateY(30px);
}

/* Reveal Left: Slide from left */
.reveal.reveal-left {
  transform: translateX(-40px);
}

/* Reveal Right: Slide from right */
.reveal.reveal-right {
  transform: translateX(40px);
}

/* Reveal Scale: Zoom in gently */
.reveal.reveal-scale {
  transform: scale(0.95);
}

/* Reveal Fade: Pure opacity fade */
.reveal.reveal-fade {
  transform: none;
}

/* Make visible when class is added */
.reveal.visible {
  opacity: 1;
  transform: none !important;
}

/* Reveal Delays */
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }
.reveal-delay-5 { transition-delay: 0.5s; }
.reveal-delay-6 { transition-delay: 0.6s; }

/* Number count-up */
.count-up {
  display: inline-block;
}

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

@media (max-width: 1024px) {
  .hero-inner,
  .about-grid,
  .story-grid,
  .contact-grid,
  .calc-wrap {
    grid-template-columns: 1fr;
    gap: 3rem;
  }

  .hero-visual { height: 400px; max-width: 380px; margin: 0 auto; }
  .schemes-grid { grid-template-columns: repeat(2, 1fr); }
  .scheme-card.featured { transform: scale(1); }
  .process-timeline { grid-template-columns: repeat(2, 1fr); gap: 3rem; }
  .process-timeline::before { display: none; }
  .testimonial-grid { grid-template-columns: 1fr; }
  .testimonial-card:nth-child(2) { transform: none; }
  .testimonial-card:nth-child(2):hover { transform: translateY(-5px); }
  .values-grid, .team-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-items { grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
  .trust-item:nth-child(2) { border-right: none; }
  .policies-layout { grid-template-columns: 1fr; }
  .policies-nav { position: static; }
}

@media (max-width: 768px) {
  section { padding: 4rem 0; }
  .container, .nav-inner { padding: 0 1.25rem; }

  .navbar {
    background: var(--navy-deepest) !important;
    backdrop-filter: none !important;
  }
  .nav-links {
    position: fixed;
    top: 0;
    right: -100%;
    height: 100vh;
    width: 80%;
    max-width: 320px;
    background: var(--navy-deepest);
    flex-direction: column;
    padding: 6rem 2rem 2rem;
    gap: 1.5rem;
    transition: right 0.4s var(--ease);
    box-shadow: -10px 0 40px rgba(0, 0, 0, 0.3);
    border-left: 1px solid rgba(201, 169, 97, 0.2);
    z-index: 1000;
  }

  .nav-links.open { right: 0; }
  .mobile-toggle { display: block; z-index: 1001; }

  .hero { padding: 7rem 0 3rem; min-height: auto; }
  .hero-inner { grid-template-columns: 1fr; padding: 0 1.5rem; }
  .hero-visual {
    display: none;
  }
  .ornament-circle.outer::before { top: -6px; font-size: 0.8rem; }
  .ornament-circle.outer::after { bottom: -6px; font-size: 0.8rem; }
  .ornament-circle.middle { inset: 30px; }
  .ornament-circle.inner { inset: 60px; }
  .hero-coin { inset: 90px; }
  .hero-coin-symbol { font-size: 3rem; }
  .hero-coin-text { font-size: 0.55rem; letter-spacing: 0.2em; }

  .hero-content {
    text-align: center;
    display: flex;
    flex-direction: column;
    align-items: center;
  }
  .hero-content .lead {
    margin-left: auto;
    margin-right: auto;
  }
  .hero-actions { justify-content: center; }
  .hero-stats { grid-template-columns: repeat(3, 1fr); gap: 0.5rem; text-align: center; align-items: flex-start; justify-content: center; width: 100%; border-top: none; }
  .hero-stat-num { font-size: 1.35rem; }
  .hero-stat-label { font-size: 0.6rem; letter-spacing: 0.05em; line-height: 1.25; margin-top: 0.25rem; }
  .hero-scroll { display: none; }

  .schemes-grid,
  .team-grid,
  .process-timeline,
  .trust-items,
  .form-row {
    grid-template-columns: 1fr;
    text-align: center;
  }
  .trust-item {
    justify-content: center;
    text-align: center;
    flex-direction: column;
    border-right: none !important;
  }
  .trust-text {
    text-align: center;
  }

  .values-grid, .values-grid-2, .values-grid-4 { grid-template-columns: 1fr; gap: 1.5rem; }

  .about-badge { width: 140px; height: 140px; bottom: -50px; right: -30px; font-size: 0.75rem; }
  .contact-form-wrap { padding: 2rem 1.5rem; }
  .calc-inputs, .calc-output { padding: 2rem 1.5rem; }
  .calc-output-amount { font-size: 2.75rem; }
  .footer-grid { 
    display: grid;
    grid-template-columns: repeat(2, 1fr); 
    gap: 2.5rem 1rem; 
  }
  .footer-brand, .footer-col:last-child {
    grid-column: span 2;
  }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .footer-bottom a { margin-left: 0; margin-right: 1rem; }
  .about-preview::before { display: none; }
}

/* ==========================================================================
   LIGHT THEME OVERRIDES & ACCENTS
   ========================================================================== */

/* Navbar links and logo color */
.navbar:not(.scrolled) .logo,
.navbar:not(.scrolled) .logo-text {
  color: var(--ivory) !important;
}
.navbar:not(.scrolled) .logo-text small {
  color: #ffe8b5 !important;
  font-weight: 600 !important;
}
.navbar:not(.scrolled) .nav-links a {
  color: var(--ivory) !important;
}
.navbar:not(.scrolled) .nav-links a::after {
  background: #ebd08c !important;
}
.navbar:not(.scrolled) .nav-links a:hover,
.navbar:not(.scrolled) .nav-links a.active {
  color: #ebd08c !important;
}
.navbar:not(.scrolled) .mobile-toggle {
  color: var(--ivory) !important;
}

.navbar.scrolled .logo,
.navbar.scrolled .logo-text {
  color: var(--navy-deepest) !important;
}
.navbar.scrolled .logo-text small {
  color: #5c461a !important;
  font-weight: 600 !important;
}
.navbar.scrolled .nav-links a {
  color: var(--navy-deepest) !important;
}
.navbar.scrolled .nav-links a::after {
  background: var(--navy-light) !important;
}
.navbar.scrolled .nav-links a:hover,
.navbar.scrolled .nav-links a.active {
  color: var(--navy-light) !important;
}
.navbar.scrolled .mobile-toggle {
  color: var(--navy-deepest) !important;
}

.footer .logo {
  color: var(--navy-deepest) !important;
}

/* Button & CTA style overrides for light gold theme */
.btn-primary,
.nav-links .nav-cta,
.form-submit,
.btn-dark {
  background: linear-gradient(135deg, #e2be67 0%, #ebd08c 100%) !important;
  color: var(--navy-deepest) !important;
  border: 1px solid #e2be67 !important;
}

.btn-primary:hover,
.nav-links .nav-cta:hover,
.form-submit:hover,
.btn-dark:hover {
  background: #ebd08c !important;
  color: var(--navy-deepest) !important;
  border-color: #ebd08c !important;
  box-shadow: 0 8px 25px rgba(226, 190, 103, 0.3) !important;
}

/* Specific hover override for header CTA (Get Started) for a beautiful transition to dark navy with gold text */
.nav-links .nav-cta:hover {
  background: var(--navy-deepest) !important;
  color: #ebd08c !important;
  border-color: var(--navy-deepest) !important;
  box-shadow: 0 8px 25px rgba(27, 48, 71, 0.25) !important;
}

/* Ensure the header CTA button text color is always highly readable and contrasts with its background states */
.navbar .nav-links a.nav-cta,
.navbar:not(.scrolled) .nav-links a.nav-cta,
.navbar.scrolled .nav-links a.nav-cta {
  color: var(--navy-deepest) !important;
}

.navbar .nav-links a.nav-cta:hover,
.navbar:not(.scrolled) .nav-links a.nav-cta:hover,
.navbar.scrolled .nav-links a.nav-cta:hover {
  color: #ebd08c !important;
}

/* Navbar scrolled */
.navbar.scrolled {
  background: rgba(250, 251, 254, 0.96) !important;
  box-shadow: 0 2px 30px rgba(27, 48, 71, 0.08) !important;
  border-bottom: 1px solid rgba(97, 139, 185, 0.15) !important;
}

/* Hero Section - styled with solid blue background #618bb9 and premium gold/white text details */
.hero {
  background: #618bb9 !important;
  color: var(--ivory) !important;
}
.hero-content h1 {
  color: var(--ivory) !important;
}
.hero-content h1 .gold-text,
.hero .gold-text {
  color: #ebd08c !important;
  background: none !important;
  -webkit-text-fill-color: #ebd08c !important;
}
.hero-content .lead {
  color: rgba(255, 255, 255, 0.9) !important;
}
.hero .eyebrow {
  color: #ebd08c !important;
}
.hero .hero-stat-num,
.hero .hero-stat-num span {
  color: #ebd08c !important;
}
.hero .hero-stat-label {
  color: rgba(255, 255, 255, 0.75) !important;
}
.hero .btn-outline {
  color: var(--ivory) !important;
  border-color: rgba(255, 255, 255, 0.4) !important;
  background: transparent !important;
}
.hero .btn-outline:hover {
  background: rgba(255, 255, 255, 0.1) !important;
  color: var(--ivory) !important;
  border-color: var(--ivory) !important;
}


.hero::before {
  background-image:
    radial-gradient(circle at 20% 30%, rgba(97, 139, 185, 0.15) 0%, transparent 50%),
    radial-gradient(circle at 80% 70%, rgba(97, 139, 185, 0.1) 0%, transparent 50%) !important;
}

/* Trust Bar */
.trust-bar {
  background: var(--navy-pale) !important;
  color: var(--navy-deepest) !important;
  border-top: 1px solid rgba(97, 139, 185, 0.15) !important;
  border-bottom: 1px solid rgba(97, 139, 185, 0.15) !important;
}
.trust-text span {
  color: var(--ink-soft) !important;
}
.trust-icon {
  background: rgba(97, 139, 185, 0.1) !important;
  border: 1px solid rgba(97, 139, 185, 0.3) !important;
  color: var(--navy-deep) !important;
}
.trust-item:not(:last-child) {
  border-right: 1px solid rgba(97, 139, 185, 0.15) !important;
}

/* Schemes Section */
.schemes-section {
  background: var(--ivory) !important;
  color: var(--navy-deepest) !important;
}
.schemes-section .section-header h2 {
  color: var(--navy-deepest) !important;
}
.schemes-section .section-header p {
  color: var(--ink-soft) !important;
}
.schemes-section::before {
  background-image:
    linear-gradient(rgba(97, 139, 185, 0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(97, 139, 185, 0.05) 1px, transparent 1px) !important;
}

/* Scheme Cards */
.scheme-card {
  background: #ffffff !important;
  border: 1px solid rgba(97, 139, 185, 0.2) !important;
  box-shadow: var(--shadow-sm) !important;
}
.scheme-card:hover {
  background: var(--navy-pale) !important;
  border-color: var(--navy-light) !important;
  box-shadow: var(--shadow-md) !important;
}
.scheme-name {
  color: var(--navy-deepest) !important;
}
.scheme-tagline {
  color: var(--navy) !important;
}
.scheme-amount {
  color: var(--gold-dark) !important;
}
.scheme-amount small {
  color: var(--ink-soft) !important;
}
.scheme-duration {
  color: var(--ink-soft) !important;
  border-bottom: 1px solid rgba(97, 139, 185, 0.15) !important;
}
.scheme-features li {
  color: var(--ink) !important;
}
.scheme-features li::before {
  color: var(--navy-light) !important;
}
.scheme-btn {
  border: 1px solid var(--navy-light) !important;
  color: var(--navy) !important;
}
.scheme-btn:hover {
  background: #ebd08c !important;
  color: var(--navy-deepest) !important;
  border-color: #ebd08c !important;
}
.scheme-card.featured {
  background: var(--gradient-navy) !important;
  border-color: rgba(255, 255, 255, 0.25) !important;
  color: var(--ivory) !important;
}
.scheme-card.featured .scheme-name {
  color: var(--ivory) !important;
}
.scheme-card.featured .scheme-tagline {
  color: #ebd08c !important;
}
.scheme-card.featured .scheme-amount {
  color: #ebd08c !important;
}
.scheme-card.featured .scheme-amount small {
  color: rgba(255, 255, 255, 0.8) !important;
}
.scheme-card.featured .scheme-duration {
  color: rgba(255, 255, 255, 0.9) !important;
  border-bottom: 1px solid rgba(255, 255, 255, 0.2) !important;
}
.scheme-card.featured .scheme-features li {
  color: var(--ivory) !important;
}
.scheme-card.featured .scheme-features li::before {
  color: #ebd08c !important;
}
.scheme-card.featured .scheme-btn {
  background: #ebd08c !important;
  color: var(--navy-deepest) !important;
  border-color: #ebd08c !important;
}
.scheme-card.featured .scheme-btn:hover {
  background: var(--ivory) !important;
  color: var(--navy-deepest) !important;
  border-color: var(--ivory) !important;
  box-shadow: 0 4px 15px rgba(255, 255, 255, 0.2) !important;
}
.scheme-card.featured .featured-badge {
  background: #ebd08c !important;
  color: var(--navy-deepest) !important;
}
.scheme-card.featured .scheme-icon {
  color: rgba(255, 255, 255, 0.15) !important;
  background: rgba(255, 255, 255, 0.08) !important;
}

/* Why Choose Us Value Cards */
.value-card {
  background: #ffffff !important;
  border: 1px solid rgba(97, 139, 185, 0.2) !important;
  box-shadow: var(--shadow-sm) !important;
}
.value-card:hover {
  border-color: var(--navy-light) !important;
  box-shadow: var(--shadow-md) !important;
}
.value-card h4 {
  color: var(--navy-deepest) !important;
}
.value-card p {
  color: var(--ink-soft) !important;
}
.value-icon {
  background: #618bb9 !important;
  color: #ebd08c !important;
  border: 1px solid rgba(255, 255, 255, 0.15) !important;
}
.value-icon::before {
  border: 1px solid rgba(255, 255, 255, 0.2) !important;
}

/* Testimonials */
.testimonial-card {
  background: #ffffff !important;
  border: 1px solid rgba(97, 139, 185, 0.2) !important;
  color: var(--navy-deepest) !important;
  box-shadow: var(--shadow-sm) !important;
}
.testimonial-card:hover {
  box-shadow: var(--shadow-md) !important;
}
.testimonial-card .testimonial-text {
  color: var(--ink) !important;
}
.testimonial-card .author-info strong {
  color: var(--gold-dark) !important;
}
.testimonial-card .author-info span {
  color: var(--ink-soft) !important;
}
.testimonial-card .author-avatar {
  background: var(--gold-dark) !important;
  color: var(--ivory) !important;
}
.testimonial-card:nth-child(2) {
  background: var(--gradient-navy) !important;
  border: 1px solid rgba(255, 255, 255, 0.2) !important;
  color: var(--ivory) !important;
}
.testimonial-card:nth-child(2) .testimonial-text {
  color: rgba(255, 255, 255, 0.95) !important;
}
.testimonial-card:nth-child(2) .author-info strong {
  color: var(--ivory) !important;
}
.testimonial-card:nth-child(2) .author-info span {
  color: rgba(255, 255, 255, 0.75) !important;
}
.testimonial-card:nth-child(2) .author-avatar {
  background: #ebd08c !important;
  color: var(--navy-deepest) !important;
}
.testimonial-card:nth-child(2) .testimonial-author {
  border-top: 1px solid rgba(255, 255, 255, 0.15) !important;
}

/* CTA */
.cta-section {
  color: var(--ivory) !important;
}
.cta-inner h2 {
  color: var(--ivory) !important;
}
.cta-inner h2 .italic-gold,
.cta-section .gold-text {
  color: #ebd08c !important;
  background: none !important;
  -webkit-text-fill-color: #ebd08c !important;
}
.cta-inner p {
  color: rgba(255, 255, 255, 0.9) !important;
}
.cta-section .eyebrow {
  color: #ebd08c !important;
}
.cta-section .btn-outline {
  color: var(--ivory) !important;
  border-color: rgba(255, 255, 255, 0.4) !important;
  background: transparent !important;
}
.cta-section .btn-outline:hover {
  background: rgba(255, 255, 255, 0.1) !important;
  color: var(--ivory) !important;
  border-color: var(--ivory) !important;
}
.cta-section::before {
  background: radial-gradient(circle at 30% 50%, rgba(255, 255, 255, 0.15), transparent 70%) !important;
}

/* Footer */
.footer {
  background: var(--navy-pale) !important;
  color: var(--navy-deepest) !important;
}
.footer::before {
  background: linear-gradient(90deg, transparent, var(--navy-light), transparent) !important;
}
.footer-brand p {
  color: var(--ink-soft) !important;
}
.footer-col h5 {
  color: var(--navy) !important;
}
.footer-col ul a {
  color: var(--ink-soft) !important;
}
.footer-col ul a::before {
  color: var(--navy-light) !important;
}
.footer-col ul a:hover {
  color: var(--navy-light) !important;
}
.footer-contact li {
  color: var(--ink-soft) !important;
}
.footer-contact li i {
  color: var(--navy-light) !important;
}
.social-links a {
  border: 1px solid rgba(97, 139, 185, 0.3) !important;
  color: var(--navy) !important;
}
.social-links a:hover {
  background: var(--navy-light) !important;
  color: #ffffff !important;
  border-color: var(--navy-light) !important;
}
.footer-bottom {
  border-top: 1px solid rgba(97, 139, 185, 0.15) !important;
  color: var(--ink-soft) !important;
}
.footer-bottom a {
  color: var(--ink-soft) !important;
}
.footer-bottom a:hover {
  color: var(--navy-light) !important;
}

/* Inner Page Hero */
.page-hero {
  color: var(--ivory) !important;
}
.page-hero h1 {
  color: var(--ivory) !important;
}
.page-hero h1 .italic-gold,
.page-hero h1 .gold-text {
  color: #ebd08c !important;
  background: none !important;
  -webkit-text-fill-color: #ebd08c !important;
}
.page-hero .eyebrow {
  color: #ebd08c !important;
}
.breadcrumb {
  color: rgba(255, 255, 255, 0.85) !important;
}
.breadcrumb a {
  color: var(--ivory) !important;
}
.breadcrumb a:hover {
  color: #ebd08c !important;
}
.breadcrumb span {
  color: rgba(255, 255, 255, 0.4) !important;
}
.page-hero::before {
  background-image: radial-gradient(circle at 50% 100%, rgba(255, 255, 255, 0.15) 0%, transparent 60%) !important;
}
.page-hero::after {
  background-image: url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ebd08c' fill-opacity='0.04'%3E%3Cpath d='M40 40m-1 0a1 1 0 1 1 2 0a1 1 0 1 1 -2 0'/%3E%3C/g%3E%3C/svg%3E") !important;
}

/* Calculator */
.calc-wrap {
  background: #ffffff !important;
  border: 1px solid rgba(97, 139, 185, 0.2) !important;
  box-shadow: var(--shadow-lg) !important;
}
.calc-inputs {
  color: var(--navy-deepest) !important;
}
.calc-inputs h3 {
  color: var(--navy-deepest) !important;
}
.calc-inputs p {
  color: var(--ink-soft) !important;
}
.calc-inputs .form-label {
  color: var(--navy) !important;
}
.calc-inputs .form-control {
  color: var(--navy-deepest) !important;
  border-bottom-color: rgba(97, 139, 185, 0.3) !important;
}
.calc-inputs .form-control:focus {
  border-bottom-color: var(--navy-light) !important;
}
.calc-inputs select.form-control option {
  background: #ffffff !important;
  color: var(--navy-deepest) !important;
}
.calc-output {
  background: var(--gradient-navy) !important;
  color: var(--ivory) !important;
  border: 1px solid rgba(255, 255, 255, 0.15) !important;
}
.calc-output-label {
  color: rgba(255, 255, 255, 0.75) !important;
}
.calc-output-amount {
  color: #ebd08c !important;
}
.calc-output-note {
  color: rgba(255, 255, 255, 0.75) !important;
}
.calc-breakdown {
  border-top: 1px solid rgba(255, 255, 255, 0.2) !important;
}
.calc-breakdown-row {
  color: rgba(255, 255, 255, 0.9) !important;
}
.calc-breakdown-row span[id] {
  color: #ebd08c !important;
  font-weight: 500;
}
.calc-breakdown-row strong {
  color: var(--ivory) !important;
}

/* Leadership and About Page Team Section */
.team-card {
  background: #ffffff !important;
  border: 1px solid rgba(97, 139, 185, 0.2) !important;
}
.team-card h4 {
  color: var(--navy-deepest) !important;
}
.team-avatar {
  background: #618bb9 !important;
  color: #ebd08c !important;
  border: 2px solid rgba(255, 255, 255, 0.3) !important;
  overflow: hidden !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
}
.team-avatar img {
  width: 100% !important;
  height: 100% !important;
  object-fit: cover !important;
  border-radius: 50% !important;
}
.team-card p {
  color: var(--ink-soft) !important;
}

/* FAQ page overrides */
.faq-question {
  color: var(--navy-deepest) !important;
}
.faq-icon {
  border-color: var(--navy-light) !important;
  color: var(--navy) !important;
}
.faq-item.open .faq-icon {
  background: var(--navy-light) !important;
  color: #ffffff !important;
}
.faq-item.open {
  border-color: var(--navy-light) !important;
}

/* Mobile Toggle overrides */
.mobile-toggle {
  /* Handled dynamically by scroll-state classes */
}
@media (max-width: 768px) {
  .navbar {
    background: transparent !important;
  }
  .navbar.scrolled {
    background: rgba(250, 251, 254, 0.96) !important;
  }
  .nav-links {
    background: var(--navy-pale) !important;
    border-left: 1px solid rgba(97, 139, 185, 0.2) !important;
  }
  /* Force dark text color for all menu drawer links on mobile */
  .navbar .nav-links a,
  .navbar:not(.scrolled) .nav-links a,
  .navbar.scrolled .nav-links a {
    color: var(--navy-deepest) !important;
  }
  .navbar .nav-links a:hover,
  .navbar:not(.scrolled) .nav-links a:hover,
  .navbar.scrolled .nav-links a:hover,
  .navbar:not(.scrolled) .nav-links a.active,
  .navbar.scrolled .nav-links a.active {
    color: var(--navy-light) !important;
  }
  /* Close button visibility fix inside open hamburger menu */
  .nav-links.open ~ .mobile-toggle {
    color: var(--navy-deepest) !important;
  }
  /* Compact stats block on mobile to prevent overflow/cutoff */
  .hero-stats {
    margin-top: 2rem !important;
    padding-top: 1.5rem !important;
    gap: 0.5rem !important;
    border-top: 1px solid rgba(255, 255, 255, 0.15) !important;
    width: 100% !important;
  }
}

/* About Visual and Story Image overrides for light theme contrast */
.about-visual,
.story-image {
  box-shadow: var(--shadow-md) !important;
}
.about-visual::before,
.story-image::before {
  border: 1px solid rgba(97, 139, 185, 0.3) !important;
}
.about-visual-content,
.story-image-content {
  color: var(--navy-deepest) !important;
}
.about-visual-content p,
.story-image-content p {
  color: var(--ink-soft) !important;
}
.about-visual-year,
.story-image-symbol {
  color: var(--gold-dark) !important;
}
.about-visual-content .eyebrow,
.story-image-content .eyebrow {
  color: var(--gold-dark) !important;
}

/* Homepage Who We Are & About Page Story Image */
.about-visual,
.story-image {
  height: auto !important;
  aspect-ratio: auto !important;
  overflow: hidden !important;
  position: relative !important;
}

.about-visual::before,
.story-image::before {
  display: none !important;
}

.about-company-img,
.story-company-img {
  width: 100% !important;
  height: auto !important;
  display: block !important;
}

/* Dark Background Section Header Overrides (Only targets the section headers, leaving cards untouched) */
.about-preview[style*="background: var(--navy-deepest)"] .section-header h2,
section[style*="background: var(--navy-deepest)"] .section-header h2,
.about-preview[style*="background:var(--navy-deepest)"] .section-header h2,
section[style*="background:var(--navy-deepest)"] .section-header h2 {
  color: var(--ivory) !important;
}

.about-preview[style*="background: var(--navy-deepest)"] .section-header h2 .display-italic,
section[style*="background: var(--navy-deepest)"] .section-header h2 .display-italic,
.about-preview[style*="background:var(--navy-deepest)"] .section-header h2 .display-italic,
section[style*="background:var(--navy-deepest)"] .section-header h2 .display-italic {
  color: #ebd08c !important;
}

.about-preview[style*="background: var(--navy-deepest)"] .section-header h2 span,
section[style*="background: var(--navy-deepest)"] .section-header h2 span,
.about-preview[style*="background:var(--navy-deepest)"] .section-header h2 span,
section[style*="background:var(--navy-deepest)"] .section-header h2 span {
  color: #ebd08c !important;
}

.about-preview[style*="background: var(--navy-deepest)"] .section-header .eyebrow,
section[style*="background: var(--navy-deepest)"] .section-header .eyebrow,
.about-preview[style*="background:var(--navy-deepest)"] .section-header .eyebrow,
section[style*="background:var(--navy-deepest)"] .section-header .eyebrow {
  color: #ebd08c !important;
}

.about-preview[style*="background: var(--navy-deepest)"] .section-header .eyebrow::before,
.about-preview[style*="background: var(--navy-deepest)"] .section-header .eyebrow::after,
section[style*="background: var(--navy-deepest)"] .section-header .eyebrow::before,
section[style*="background: var(--navy-deepest)"] .section-header .eyebrow::after,
.about-preview[style*="background:var(--navy-deepest)"] .section-header .eyebrow::before,
.about-preview[style*="background:var(--navy-deepest)"] .section-header .eyebrow::after,
section[style*="background:var(--navy-deepest)"] .section-header .eyebrow::before,
section[style*="background:var(--navy-deepest)"] .section-header .eyebrow::after {
  background: #ebd08c !important;
}

.about-preview[style*="background: var(--navy-deepest)"] .section-header p,
section[style*="background: var(--navy-deepest)"] .section-header p,
.about-preview[style*="background:var(--navy-deepest)"] .section-header p,
section[style*="background:var(--navy-deepest)"] .section-header p {
  color: rgba(250, 246, 236, 0.8) !important;
}

/* ==========================================================================
   PREMIUM BACKGROUND GRID & DOT PATTERNS
   ========================================================================== */
.hero-pattern,
.page-hero::after,
.cta-section::after {
  content: '' !important;
  position: absolute !important;
  inset: 0 !important;
  opacity: 0.14 !important;
  background-image: 
    radial-gradient(circle at 1px 1px, #ffffff 1.2px, transparent 0),
    linear-gradient(rgba(255, 255, 255, 0.05) 1.2px, transparent 0),
    linear-gradient(90deg, rgba(255, 255, 255, 0.05) 1.2px, transparent 0) !important;
  background-size: 40px 40px, 40px 40px, 40px 40px !important;
  pointer-events: none !important;
  z-index: 1 !important;
}

.page-hero,
.cta-section {
  position: relative !important;
}

.page-hero-inner,
.cta-inner {
  position: relative !important;
  z-index: 2 !important;
}

/* Global outline buttons on light backgrounds */
.btn-outline {
  color: var(--navy-deepest) !important;
  border-color: var(--navy-light) !important;
  background: transparent !important;
}
.btn-outline:hover {
  background: #ebd08c !important;
  color: var(--navy-deepest) !important;
  border-color: #ebd08c !important;
  box-shadow: 0 8px 25px rgba(226, 190, 103, 0.3) !important;
}

/* Floating WhatsApp Button */
.floating-whatsapp {
  position: fixed;
  bottom: 30px;
  right: 30px;
  width: 60px;
  height: 60px;
  background: #25d366;
  color: #ffffff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.2rem;
  box-shadow: 0 4px 15px rgba(37, 211, 102, 0.4);
  z-index: 9999;
  transition: all 0.3s cubic-bezier(0.175, 0.885, 0.32, 1.275);
}

.floating-whatsapp:hover {
  transform: scale(1.1) translateY(-5px);
  background: #20ba5a;
  box-shadow: 0 8px 25px rgba(37, 211, 102, 0.6);
  color: #ffffff;
}

.floating-whatsapp::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  border-radius: 50%;
  border: 1px solid #25d366;
  box-shadow: 0 0 8px rgba(37, 211, 102, 0.6);
  animation: pulseWhatsApp 2s infinite;
  z-index: -1;
  pointer-events: none;
}

@keyframes pulseWhatsApp {
  0% {
    transform: scale(1);
    opacity: 1;
  }
  100% {
    transform: scale(1.4);
    opacity: 0;
  }
}

@media (max-width: 768px) {
  .floating-whatsapp {
    bottom: 20px;
    right: 20px;
    width: 50px;
    height: 50px;
    font-size: 1.8rem;
  }
}