/* ============================================
   DALCOTT CAPITAL V2 — Stylesheet
   Mobile-first · Responsive · Zero dependencies
   ============================================ */

/* ---------- Custom Properties ---------- */
:root {
  --navy:       #0A1628;
  --navy-light: #0F2140;
  --navy-dark:  #060E1A;
  --charcoal:   #1A1A2E;
  --gold:       #C9A962;
  --gold-light: #D4BA7A;
  --gold-dark:  #B8954A;
  --white:      #FFFFFF;
  --gray-50:    #F5F5F7;
  --gray-100:   #E8E8ED;
  --gray-200:   #D1D1D6;
  --gray-400:   #8E8E93;
  --gray-600:   #636366;
  --gray-800:   #3A3A3C;
  --red:        #D64045;

  --font: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, sans-serif;
  --max-w: 1200px;
  --header-h: 72px;
  --radius: 8px;
  --radius-lg: 16px;
  --shadow-sm:  0 1px 3px rgba(10,22,40,0.08);
  --shadow-md:  0 4px 14px rgba(10,22,40,0.10);
  --shadow-lg:  0 8px 30px rgba(10,22,40,0.12);
  --shadow-xl:  0 20px 50px rgba(10,22,40,0.18);
  --ease: cubic-bezier(0.4,0,0.2,1);
}

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

html {
  scroll-behavior: smooth;
  scroll-padding-top: var(--header-h);
}

body {
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.6;
  color: var(--gray-800);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
  animation: pageIn 0.5s ease-out both;
}

@keyframes pageIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}

a { color: inherit; text-decoration: none; transition: color 0.3s var(--ease); }
img { max-width: 100%; height: auto; display: block; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, select, textarea { font-family: inherit; font-size: inherit; }

::selection { background: rgba(201,169,98,0.2); color: var(--navy); }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; }

/* ---------- Layout ---------- */
.container {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 20px;
}

.section { padding: 80px 0; }

.section-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 48px;
}

.section-tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

.section-title {
  font-size: 2rem;
  font-weight: 700;
  line-height: 1.2;
  color: var(--navy);
  margin-bottom: 14px;
}

.section-subtitle {
  font-size: 1.0625rem;
  color: var(--gray-600);
  line-height: 1.7;
}

/* ---------- Animations ---------- */
.fade-in {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.7s ease-out, transform 0.7s ease-out;
}

.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 600;
  font-size: 0.9375rem;
  letter-spacing: 0.02em;
  border-radius: var(--radius);
  padding: 14px 32px;
  transition: all 0.3s var(--ease);
  cursor: pointer;
  border: none;
}

.btn-gold {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-dark) 100%);
  color: var(--navy);
  box-shadow: 0 4px 14px rgba(201,169,98,0.35);
}

.btn-gold:hover {
  background: linear-gradient(135deg, var(--gold-light) 0%, var(--gold) 100%);
  box-shadow: 0 6px 20px rgba(201,169,98,0.45);
  transform: translateY(-2px);
}

.btn-gold:active { transform: translateY(0); }

.btn-outline {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.35);
}

.btn-outline:hover {
  border-color: var(--gold);
  color: var(--gold);
  background: rgba(201,169,98,0.06);
}

/* =============================================
   HEADER
   ============================================ */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  height: var(--header-h);
  background: rgba(10,22,40,0.92);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  transition: box-shadow 0.3s var(--ease), background 0.3s var(--ease);
}

.site-header.scrolled {
  background: rgba(10,22,40,0.98);
  box-shadow: 0 1px 24px rgba(0,0,0,0.35);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}

/* Logo */
.logo {
  display: flex;
  align-items: center;
  gap: 8px;
  z-index: 1001;
}

.logo-mark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy);
  font-size: 1.125rem;
  font-weight: 800;
  letter-spacing: -0.02em;
}

.logo-text {
  font-size: 1.125rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  color: var(--white);
}

.logo-accent {
  font-size: 1.125rem;
  font-weight: 300;
  letter-spacing: 0.14em;
  color: var(--gold);
}

/* Nav */
.nav-list {
  display: flex;
  align-items: center;
  gap: 28px;
}

.nav-link {
  font-size: 0.8125rem;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--gray-200);
  position: relative;
  padding: 4px 0;
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: -2px; left: 0;
  width: 0; height: 2px;
  background: var(--gold);
  transition: width 0.3s var(--ease);
}

.nav-link:hover { color: var(--white); }
.nav-link:hover::after { width: 100%; }

.nav-cta {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--navy) !important;
  padding: 9px 22px;
  border-radius: var(--radius);
  font-weight: 600;
}
.nav-cta::after { display: none; }
.nav-cta:hover {
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  color: var(--navy) !important;
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  z-index: 1001;
}

.hamburger-line {
  display: block;
  width: 24px; height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all 0.3s var(--ease);
}

.hamburger.active .hamburger-line:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
.hamburger.active .hamburger-line:nth-child(2) { opacity: 0; }
.hamburger.active .hamburger-line:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }

/* =============================================
   HERO
   ============================================ */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  background: linear-gradient(155deg, var(--navy-dark) 0%, var(--navy) 35%, var(--navy-light) 100%);
  overflow: hidden;
}

.hero-pattern {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  pointer-events: none;
  z-index: 1;
}

.hero-inner {
  position: relative;
  z-index: 2;
  padding: 140px 0 80px;
  text-align: center;
  max-width: 800px;
  margin: 0 auto;
}

.hero-headline {
  font-size: 2.5rem;
  font-weight: 700;
  line-height: 1.12;
  color: var(--white);
  margin-bottom: 20px;
  animation: heroFadeUp 0.9s ease-out both;
}

@keyframes heroFadeUp {
  from { opacity: 0; transform: translateY(32px); }
  to   { opacity: 1; transform: translateY(0); }
}

.hero-gold { color: var(--gold); }

.hero-subtext {
  font-size: 1.125rem;
  color: var(--gray-200);
  max-width: 540px;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.7;
  margin-bottom: 36px;
  animation: heroFadeUp 0.9s 0.15s ease-out both;
}

.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  justify-content: center;
  animation: heroFadeUp 0.9s 0.3s ease-out both;
}

/* Scroll chevron */
.hero-scroll {
  display: block;
  margin: 48px auto 0;
  animation: bounceDown 2s infinite;
  opacity: 0.6;
  transition: opacity 0.3s var(--ease);
}

.hero-scroll:hover { opacity: 1; }

@keyframes bounceDown {
  0%, 100% { transform: translateY(0); }
  50%      { transform: translateY(10px); }
}

/* =============================================
   TRUST BAR
   ============================================ */
.trust-bar {
  background: #0d1b2e;
  border-top: 1px solid rgba(201,169,98,0.3);
  padding: 0;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}

.trust-bar::-webkit-scrollbar { display: none; }

.trust-track {
  display: flex;
  align-items: center;
  gap: 24px;
  padding: 28px 20px;
  min-width: max-content;
  margin: 0 auto;
  justify-content: center;
}

.trust-stat { text-align: center; white-space: nowrap; }

.trust-number {
  display: block;
  font-size: 2rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1.2;
}

.trust-label {
  display: block;
  font-size: 0.75rem;
  color: var(--gray-400);
  margin-top: 2px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.trust-dot {
  width: 4px; height: 4px;
  border-radius: 50%;
  background: var(--gray-600);
  flex-shrink: 0;
}

/* =============================================
   ABOUT
   ============================================ */
.about { background: var(--white); }

.about-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
}

.about-story {
  border-left: 3px solid var(--gold);
  padding-left: 24px;
}

.about-story p {
  font-size: 1rem;
  color: var(--gray-600);
  line-height: 1.8;
  margin-bottom: 18px;
}

.about-story p:last-child { margin-bottom: 0; }

.about-values {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.value-card {
  display: flex;
  align-items: flex-start;
  gap: 18px;
  padding: 24px;
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  transition: all 0.3s var(--ease);
  background: var(--white);
}

.value-card:hover {
  box-shadow: var(--shadow-lg);
  border-color: rgba(201,169,98,0.3);
  transform: translateY(-4px);
}

.value-icon { flex-shrink: 0; margin-top: 2px; }

.value-content h3 {
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 6px;
}

.value-content p {
  font-size: 0.9375rem;
  color: var(--gray-600);
  line-height: 1.65;
}

/* =============================================
   SOLUTIONS
   ============================================ */
.solutions { background: var(--gray-50); }

.solutions-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
}

/* Center lone card on last row of 3-col grid */
.solutions-grid .solution-card:last-child:nth-child(3n+1) {
  grid-column: 2;
}

.solution-card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  transition: all 0.3s var(--ease);
  box-shadow: var(--shadow-sm);
  position: relative;
  overflow: hidden;
}

.solution-card::after {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-dark));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s var(--ease);
}

.solution-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.solution-card:hover::after { transform: scaleX(1); }

.solution-icon { margin-bottom: 18px; }

.solution-title {
  font-size: 1.1875rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}

.solution-text {
  font-size: 0.9375rem;
  color: var(--gray-600);
  line-height: 1.7;
  margin-bottom: 18px;
}

.solution-link {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--gold-dark);
  transition: gap 0.3s var(--ease), color 0.3s var(--ease);
}

.solution-link span {
  display: inline-block;
  transition: transform 0.3s var(--ease);
}

.solution-link:hover { color: var(--gold); }
.solution-link:hover span { transform: translateX(4px); }

.solution-apply {
  margin-left: 16px;
  color: var(--gold);
  border-left: 1px solid var(--gray-200);
  padding-left: 16px;
}

.solution-apply:hover { color: var(--gold-light); }

.solution-card:hover {
  background: linear-gradient(180deg, var(--white) 0%, #fafaf8 100%);
}

/* =============================================
   PROCESS
   ============================================ */
.process { background: var(--white); }

.process-timeline {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0;
}

.process-step {
  text-align: center;
  max-width: 320px;
  padding: 24px 0;
}

.step-number-wrap {
  margin-bottom: 16px;
}

.step-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px; height: 36px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--navy);
  font-size: 0.9375rem;
  font-weight: 700;
}

.step-icon { margin-bottom: 14px; }

.step-title {
  font-size: 1.1875rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}

.step-text {
  font-size: 0.9375rem;
  color: var(--gray-600);
  line-height: 1.7;
}

.process-line {
  width: 2px;
  height: 48px;
  background: linear-gradient(180deg, var(--gold), rgba(201,169,98,0.2));
}

/* Staggered fade-in for process steps */
.process-step.fade-in:nth-child(1) { transition-delay: 0s; }
.process-step.fade-in:nth-child(3) { transition-delay: 0.2s; }
.process-step.fade-in:nth-child(5) { transition-delay: 0.4s; }

/* =============================================
   CONTACT
   ============================================ */
.contact { background: var(--navy); }

.contact .section-tag { color: var(--gold); }
.contact .section-title { color: var(--white); }

.contact-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
}

.contact-info { color: var(--gray-200); }

.contact-intro {
  font-size: 1.0625rem;
  line-height: 1.7;
  margin-bottom: 32px;
}

.contact-details { display: flex; flex-direction: column; gap: 22px; margin-bottom: 32px; }

.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}

.contact-icon {
  flex-shrink: 0;
  margin-top: 3px;
}

.contact-item strong {
  display: block;
  color: var(--white);
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 2px;
}

.contact-item a,
.contact-item span {
  font-size: 0.9375rem;
  color: var(--gray-200);
}

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

.contact-promise {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.8125rem;
  color: var(--gray-400);
  padding: 14px 18px;
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius);
  background: rgba(255,255,255,0.02);
}

/* ---------- Contact Form ---------- */
.contact-form-wrap {
  background: #111827;
  border-radius: var(--radius-lg);
  padding: 28px 22px;
  box-shadow: var(--shadow-xl);
  border: 1px solid rgba(201,169,98,0.1);
}

.form-group { margin-bottom: 18px; }

.form-group label {
  display: block;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--gray-200);
  margin-bottom: 6px;
  letter-spacing: 0.02em;
}

.req { color: var(--gold); }

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid #2a2a3e;
  border-radius: var(--radius);
  font-size: 0.9375rem;
  color: var(--white);
  background: #1a1f2e;
  transition: border-color 0.3s var(--ease), box-shadow 0.3s var(--ease);
  outline: none;
}

.form-group input::placeholder,
.form-group textarea::placeholder {
  color: var(--gray-600);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,169,98,0.15), 0 0 16px rgba(201,169,98,0.08);
}

.form-group input.error,
.form-group select.error,
.form-group textarea.error {
  border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(214,64,69,0.12);
}

.form-group textarea { resize: vertical; min-height: 100px; }

.form-group select {
  appearance: none;
  color: var(--gray-400);
  background-image: url("data:image/svg+xml,%3Csvg width='12' height='8' viewBox='0 0 12 8' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1.5L6 6.5L11 1.5' stroke='%23C9A962' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 40px;
}

.form-group select option { background: #1a1f2e; color: var(--white); }

.form-row {
  display: grid;
  grid-template-columns: 1fr;
  gap: 18px;
}

.form-error {
  display: block;
  font-size: 0.8125rem;
  color: var(--red);
  margin-top: 4px;
  min-height: 0;
}

.form-error:empty { display: none; }

.btn-submit {
  width: 100%;
  padding: 14px;
  font-size: 1rem;
  position: relative;
  overflow: hidden;
}

.btn-submit::before {
  content: '';
  position: absolute;
  top: 0; left: -100%;
  width: 100%; height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.15), transparent);
  transition: left 0.5s var(--ease);
}

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

.btn-submit .btn-loading { display: none; }
.btn-submit.loading .btn-text { display: none; }
.btn-submit.loading .btn-loading { display: inline; }

/* ---------- Form Tabs ---------- */
.form-tabs {
  display: flex;
  border-bottom: 2px solid #2a2a3e;
  margin-bottom: 1.5rem;
}

.form-tab {
  flex: 1;
  padding: 12px 16px;
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  color: var(--gray-400);
  background: transparent;
  border: none;
  border-bottom: 2px solid transparent;
  margin-bottom: -2px;
  cursor: pointer;
  transition: color 0.3s var(--ease), border-color 0.3s var(--ease);
  text-align: center;
}

.form-tab svg {
  display: inline-block;
  vertical-align: -3px;
  margin-right: 6px;
}

.form-tab:hover { color: var(--gray-200); }

.form-tab.active {
  color: var(--gold);
  border-bottom-color: var(--gold);
}

/* ---------- Tab Content ---------- */
.tab-content { display: none; }
.tab-content.active { display: block; }

/* ---------- Form Intro Text ---------- */
.form-intro-text {
  font-size: 0.95rem;
  color: var(--gray-400);
  line-height: 1.6;
  margin-bottom: 1.25rem;
}

/* ---------- Fieldsets ---------- */
.form-fieldset {
  border: 1px solid #2a2a3e;
  border-radius: var(--radius);
  padding: 1.5rem;
  margin-bottom: 1.25rem;
  background: rgba(26,31,46,0.4);
}

.form-fieldset legend {
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--white);
  padding: 0 8px;
  letter-spacing: 0.02em;
}

.fieldset-note {
  display: block;
  font-size: 0.8125rem;
  color: var(--gray-600);
  margin-top: 2px;
  margin-bottom: 12px;
  font-style: italic;
}

/* ---------- File Input ---------- */
.file-input {
  width: 100%;
  padding: 14px;
  border: 1.5px dashed #2a2a3e;
  border-radius: var(--radius);
  background: #1a1f2e;
  color: var(--gray-400);
  font-size: 0.875rem;
  cursor: pointer;
  transition: border-color 0.3s var(--ease), background 0.3s var(--ease);
}

.file-input:hover {
  border-color: var(--gold);
  background: rgba(201,169,98,0.04);
}

.file-input:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,169,98,0.15), 0 0 16px rgba(201,169,98,0.08);
  outline: none;
}

.file-input::file-selector-button {
  padding: 6px 16px;
  margin-right: 12px;
  border-radius: 4px;
  border: 1px solid var(--gold);
  background: transparent;
  color: var(--gold);
  font-size: 0.8125rem;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.3s var(--ease), color 0.3s var(--ease);
}

.file-input::file-selector-button:hover {
  background: var(--gold);
  color: var(--navy);
}

/* ---------- Consent Checkbox ---------- */
.form-consent {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 1.25rem;
}

.form-consent .form-error {
  margin-top: 2px;
}

.checkbox-label {
  font-size: 0.8125rem;
  color: var(--gray-400);
  line-height: 1.5;
  cursor: pointer;
}

.checkbox-label a {
  color: var(--gold);
  text-decoration: underline;
  text-decoration-color: rgba(201,169,98,0.3);
}

.checkbox-label a:hover {
  text-decoration-color: var(--gold);
}

.form-consent input[type="checkbox"] {
  width: 18px;
  height: 18px;
  margin-top: 1px;
  flex-shrink: 0;
  accent-color: var(--gold);
  cursor: pointer;
}

/* ---------- Direct Email Link ---------- */
.contact-direct-email {
  font-size: 0.9375rem;
  color: var(--gray-400);
  margin-top: 1.25rem;
  text-align: center;
}

.contact-direct-email a {
  color: var(--gold);
  text-decoration: underline;
  text-decoration-color: rgba(201,169,98,0.3);
  transition: text-decoration-color 0.3s var(--ease), color 0.3s var(--ease);
}

.contact-direct-email a:hover {
  color: var(--gold-light);
  text-decoration-color: var(--gold);
}

/* Form success */
.form-success { text-align: center; padding: 48px 20px; }
.form-success .success-check {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 64px; height: 64px;
  border-radius: 50%;
  background: rgba(201,169,98,0.15);
  margin-bottom: 20px;
}
.form-success h3 { font-size: 1.375rem; color: var(--white); margin-bottom: 8px; }
.form-success p { font-size: 1rem; color: var(--gray-400); line-height: 1.6; }

/* =============================================
   FOOTER
   ============================================ */
.site-footer {
  background: var(--navy-dark);
  padding: 56px 0 28px;
  border-top: 1px solid rgba(201,169,98,0.15);
}

.footer-inner { display: flex; flex-direction: column; gap: 32px; }

.footer-top {
  display: flex;
  flex-direction: column;
  gap: 32px;
}

.footer-logo {
  display: flex;
  align-items: center;
  gap: 8px;
}

.footer-logo .logo-mark { width: 28px; height: 28px; font-size: 0.875rem; }
.footer-logo .logo-text,
.footer-logo .logo-accent { font-size: 0.9375rem; }

.footer-tagline {
  font-size: 0.8125rem;
  color: var(--gray-400);
  margin-top: 10px;
  line-height: 1.5;
}

.footer-nav {
  display: flex;
  gap: 48px;
}

.footer-col {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-col h4 {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gray-400);
  margin-bottom: 4px;
}

.footer-col a {
  font-size: 0.875rem;
  color: var(--gray-400);
}

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

.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 8px;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.06);
}

.footer-bottom p {
  font-size: 0.8125rem;
  color: var(--gray-600);
  opacity: 0.7;
}

.footer-nmls { font-size: 0.75rem !important; }

/* =============================================
   RESPONSIVE — 768px (Tablet)
   ============================================ */
@media (min-width: 768px) {
  .container { padding: 0 32px; }
  .section { padding: 100px 0; }
  .section-title { font-size: 2.5rem; }

  /* Hero */
  .hero-headline { font-size: 3.25rem; }
  .hero-subtext { font-size: 1.25rem; }

  /* Trust */
  .trust-track { gap: 32px; padding: 32px 32px; }
  .trust-number { font-size: 1.75rem; }

  /* About */
  .about-grid {
    grid-template-columns: 1fr 1fr;
    gap: 56px;
    align-items: start;
  }

  /* Solutions */
  .solutions-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
  }

  /* Process */
  .process-timeline {
    flex-direction: row;
    align-items: flex-start;
    justify-content: center;
    gap: 0;
  }

  .process-line {
    width: 56px;
    height: 2px;
    background: linear-gradient(90deg, var(--gold), rgba(201,169,98,0.2));
    margin-top: 42px;
    flex-shrink: 0;
  }

  .process-step { padding: 0 12px; }

  /* Contact */
  .contact-grid {
    grid-template-columns: 5fr 7fr;
    gap: 48px;
    align-items: start;
  }

  .contact-form-wrap { padding: 36px 32px; }
  .form-row { grid-template-columns: 1fr 1fr; }
  .form-tab { font-size: 0.9375rem; padding: 14px 20px; }
  .form-fieldset { padding: 1.75rem; }

  /* Footer */
  .footer-top {
    flex-direction: row;
    justify-content: space-between;
    align-items: start;
  }
}

/* =============================================
   RESPONSIVE — 1024px (Desktop)
   ============================================ */
@media (min-width: 1024px) {
  .section { padding: 120px 0; }
  .section-title { font-size: 2.75rem; }

  /* Hero */
  .hero-headline { font-size: 4rem; }
  .hero-subtext { font-size: 1.3rem; }
  .hero-inner { padding: 160px 0 120px; }

  /* Solutions */
  .solutions-grid { grid-template-columns: repeat(3, 1fr); }

  /* Process */
  .process-step { max-width: 280px; }
  .process-line { width: 72px; }
}

/* =============================================
   RESPONSIVE — 1440px+
   ============================================ */
@media (min-width: 1440px) {
  .hero-headline { font-size: 4.5rem; }
}

/* =============================================
   MOBILE NAV (< 768px)
   ============================================ */
@media (max-width: 767px) {
  .hamburger { display: flex; }

  .main-nav {
    position: fixed;
    top: 0; right: 0;
    width: 280px; height: 100vh;
    background: var(--navy);
    padding: 100px 28px 40px;
    transform: translateX(100%);
    transition: transform 0.35s var(--ease);
    box-shadow: -8px 0 40px rgba(0,0,0,0.35);
    z-index: 999;
  }

  .main-nav.open { transform: translateX(0); }

  .nav-list { flex-direction: column; gap: 0; }

  .nav-link {
    display: block;
    padding: 16px 0;
    font-size: 0.9375rem;
    border-bottom: 1px solid rgba(255,255,255,0.05);
  }

  .nav-link::after { display: none; }

  .nav-cta {
    margin-top: 20px;
    text-align: center;
    padding: 12px 20px;
    display: block;
  }

  .nav-overlay {
    display: none;
    position: fixed;
    inset: 0;
    background: rgba(0,0,0,0.5);
    z-index: 998;
  }

  .nav-overlay.active { display: block; }
}

/* ---------- Legal Pages ---------- */
.legal-page { padding: 120px 0 60px; }
.legal-content { max-width: 800px; margin: 0 auto; }
.legal-content h1 { font-size: 2.25rem; color: var(--gold); margin-bottom: 8px; }
.legal-updated { color: var(--gray-400); font-size: 0.875rem; margin-bottom: 2.5rem; }
.legal-content h2 { font-size: 1.25rem; color: var(--white); margin-top: 2rem; margin-bottom: 0.75rem; }
.legal-content h3 { font-size: 1.05rem; color: var(--gray-200); margin-top: 1.25rem; margin-bottom: 0.5rem; }
.legal-content p { color: var(--gray-300); line-height: 1.75; margin-bottom: 1rem; }
.legal-content ul { color: var(--gray-300); line-height: 1.75; margin-bottom: 1rem; padding-left: 1.5rem; }
.legal-content li { margin-bottom: 0.5rem; }
.legal-content a { color: var(--gold); text-decoration: underline; }
.legal-content a:hover { color: #e0c679; }

/* ---------- reCAPTCHA ---------- */
.grecaptcha-badge { visibility: hidden; }
.recaptcha-notice { font-size: 0.75rem; color: #6b7280; margin-top: 0.75rem; text-align: center; }
.recaptcha-notice a { color: #C9A962; text-decoration: underline; }

/* ---------- Reduced Motion ---------- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
  .fade-in { opacity: 1; transform: none; }
}