/* ============================================
   ZANORA NETWORK — Main Stylesheet
   ============================================ */

/* 1. Custom Properties
/* 2. Reset & Base
/* 3. Typography
/* 4. Layout
/* 5. Navigation
/* 6. Buttons
/* 7. Badges & Tags
/* 8. Hero
/* 9. Section Headings
/* 10. Feature Cards
/* 11. Stats Bar
/* 12. Advisor Cards
/* 13. Partner Logos
/* 14. Testimonials
/* 15. How It Works
/* 16. Forms
/* 17. CTA Banner
/* 18. Page Sub-Heroes
/* 19. Footer
/* 20. Animations
/* 21. Responsive
   ============================================ */

/* ── 1. Custom Properties ───────────────────── */
:root {
  --navy-900: #071020;
  --navy-800: #0B1D3A;
  --navy-700: #122645;
  --navy-600: #1A3159;
  --navy-500: #223D70;

  --gold-600: #A87030;
  --gold-500: #C8913A;
  --gold-400: #D9A44E;
  --gold-300: #E8BC78;
  --gold-100: #F5E8CC;
  --gold-50:  #FDF6E8;

  --sand-400: #D9CDB8;
  --sand-300: #EBE0CF;
  --sand-200: #F5EDE0;
  --sand-100: #FAF6EF;

  --white: #FFFFFF;
  --text-primary: #0B1D3A;
  --text-body:    #334155;
  --text-muted:   #64748B;
  --text-light:   #94A3B8;
  --border:       rgba(11,29,58,0.1);
  --border-light: rgba(11,29,58,0.06);

  --font-serif: 'Playfair Display', Georgia, 'Times New Roman', serif;
  --font-sans:  'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --max-width: 1200px;

  --radius-xs:  4px;
  --radius-sm:  8px;
  --radius-md:  12px;
  --radius-lg:  18px;
  --radius-xl:  28px;
  --radius-full: 9999px;

  --shadow-xs: 0 1px 3px rgba(0,0,0,.06), 0 1px 2px rgba(0,0,0,.04);
  --shadow-sm: 0 2px 8px rgba(0,0,0,.06), 0 1px 3px rgba(0,0,0,.04);
  --shadow-md: 0 4px 16px rgba(0,0,0,.08), 0 2px 6px rgba(0,0,0,.04);
  --shadow-lg: 0 12px 40px rgba(0,0,0,.10), 0 4px 12px rgba(0,0,0,.05);
  --shadow-xl: 0 24px 64px rgba(0,0,0,.14), 0 8px 24px rgba(0,0,0,.06);
  --shadow-gold: 0 4px 24px rgba(200,145,58,.35);

  --transition: 0.25s cubic-bezier(0.4,0,0.2,1);
  --transition-slow: 0.5s cubic-bezier(0.4,0,0.2,1);
}

/* ── 2. Reset & Base ────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-sans);
  color: var(--text-body);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img  { max-width: 100%; height: auto; display: block; }
a    { color: inherit; text-decoration: none; }
ul   { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, textarea, select {
  font-family: inherit;
  font-size: inherit;
}
::selection { background: var(--gold-300); color: var(--navy-800); }

/* ── 3. Typography ──────────────────────────── */
.serif    { font-family: var(--font-serif); }
h1,h2,h3 { font-family: var(--font-serif); color: var(--text-primary); line-height: 1.2; }
h4,h5,h6 { color: var(--text-primary); line-height: 1.3; font-weight: 600; }

.display-xl {
  font-family: var(--font-serif);
  font-size: clamp(2.75rem, 5.5vw, 4.5rem);
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -0.02em;
}
.display-lg {
  font-family: var(--font-serif);
  font-size: clamp(2.25rem, 4.5vw, 3.5rem);
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -0.01em;
}
.display-md {
  font-family: var(--font-serif);
  font-size: clamp(1.75rem, 3.5vw, 2.75rem);
  font-weight: 600;
  line-height: 1.2;
}
.text-xl  { font-size: 1.25rem; line-height: 1.6; }
.text-lg  { font-size: 1.125rem; line-height: 1.65; }
.text-sm  { font-size: 0.875rem; }
.text-xs  { font-size: 0.75rem; }

.text-navy   { color: var(--navy-800); }
.text-gold   { color: var(--gold-500); }
.text-muted  { color: var(--text-muted); }
.text-white  { color: var(--white); }
.text-center { text-align: center; }

.gold-line {
  display: inline-block;
  position: relative;
}
.gold-line::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 100%;
  height: 3px;
  background: linear-gradient(90deg, var(--gold-500), var(--gold-300));
  border-radius: 2px;
}

/* ── 4. Layout ──────────────────────────────── */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 40px;
}
.container--narrow {
  max-width: 800px;
  margin: 0 auto;
  padding: 0 40px;
}
.container--wide {
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 40px;
}
.section { padding: 96px 0; }
.section--sm { padding: 64px 0; }
.section--lg { padding: 128px 0; }
.section--navy { background: var(--navy-800); }
.section--navy-deep { background: var(--navy-900); }
.section--sand { background: var(--sand-100); }
.section--gold { background: var(--gold-50); }
.section--dark-sand { background: var(--sand-200); }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; }
.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.gap-4  { gap: 4px; }
.gap-8  { gap: 8px; }
.gap-12 { gap: 12px; }
.gap-16 { gap: 16px; }
.gap-24 { gap: 24px; }
.gap-32 { gap: 32px; }

/* ── 5. Navigation ──────────────────────────── */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border-light);
  transition: box-shadow var(--transition);
}
.nav.scrolled {
  box-shadow: var(--shadow-md);
}
.nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: 24px;
}
.nav__logo {
  display: flex;
  flex-direction: column;
  line-height: 1;
  gap: 1px;
  flex-shrink: 0;
}
.nav__logo-primary {
  font-family: var(--font-serif);
  font-size: 1.35rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  color: var(--navy-800);
}
.nav__logo-secondary {
  font-size: 0.6rem;
  font-weight: 600;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  color: var(--gold-500);
}
.nav__links {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav__link {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--text-body);
  padding: 6px 12px;
  border-radius: var(--radius-sm);
  transition: color var(--transition), background var(--transition);
  white-space: nowrap;
}
.nav__link:hover { color: var(--navy-800); background: var(--sand-100); }
.nav__link.active { color: var(--gold-500); }
.nav__ctas {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}
.nav__toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 6px;
}
.nav__toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy-800);
  border-radius: 2px;
  transition: var(--transition);
}
.nav__toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav__toggle.open span:nth-child(2) { opacity: 0; }
.nav__toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ── 6. Buttons ─────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 0.9375rem;
  line-height: 1;
  padding: 14px 28px;
  border-radius: var(--radius-sm);
  transition: all var(--transition);
  white-space: nowrap;
  cursor: pointer;
  text-decoration: none;
}
.btn--lg { font-size: 1rem; padding: 17px 36px; }
.btn--sm { font-size: 0.8125rem; padding: 9px 18px; }
.btn--xl { font-size: 1.0625rem; padding: 18px 44px; }

.btn--gold {
  background: var(--gold-500);
  color: var(--white);
  box-shadow: var(--shadow-gold);
}
.btn--gold:hover {
  background: var(--gold-600);
  transform: translateY(-1px);
  box-shadow: 0 6px 28px rgba(200,145,58,.45);
}
.btn--gold:active { transform: translateY(0); }

.btn--navy {
  background: var(--navy-800);
  color: var(--white);
  box-shadow: var(--shadow-sm);
}
.btn--navy:hover {
  background: var(--navy-700);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn--outline-navy {
  background: transparent;
  color: var(--navy-800);
  border: 1.5px solid var(--navy-800);
}
.btn--outline-navy:hover {
  background: var(--navy-800);
  color: var(--white);
}

.btn--outline-gold {
  background: transparent;
  color: var(--gold-500);
  border: 1.5px solid var(--gold-500);
}
.btn--outline-gold:hover {
  background: var(--gold-500);
  color: var(--white);
}

.btn--outline-white {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,.5);
}
.btn--outline-white:hover {
  background: rgba(255,255,255,.1);
  border-color: var(--white);
}

.btn--white {
  background: var(--white);
  color: var(--navy-800);
  box-shadow: var(--shadow-md);
}
.btn--white:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-1px);
}

.btn svg { width: 18px; height: 18px; flex-shrink: 0; }

/* ── 7. Badges ──────────────────────────────── */
.badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 5px 12px;
  border-radius: var(--radius-full);
}
.badge--gold {
  background: var(--gold-100);
  color: var(--gold-600);
}
.badge--navy {
  background: rgba(255,255,255,.1);
  color: rgba(255,255,255,.85);
}
.badge--sand {
  background: var(--sand-300);
  color: var(--navy-700);
}
.badge--dot::before {
  content: '';
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: currentColor;
  display: block;
}

/* ── 8. Hero ────────────────────────────────── */
.hero {
  min-height: 100vh;
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-800) 45%, var(--navy-700) 100%);
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding-top: 72px;
}

/* Decorative geometric shapes */
.hero::before {
  content: '';
  position: absolute;
  top: -20%;
  right: -10%;
  width: 65%;
  height: 130%;
  background: radial-gradient(ellipse at center, rgba(200,145,58,.12) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -10%;
  left: 30%;
  width: 500px;
  height: 500px;
  background: radial-gradient(ellipse, rgba(200,145,58,.06) 0%, transparent 65%);
  pointer-events: none;
}
.hero__pattern {
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle, rgba(255,255,255,.04) 1px, transparent 1px);
  background-size: 40px 40px;
  pointer-events: none;
}
.hero__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
  position: relative;
  z-index: 1;
  padding: 80px 0;
}
.hero__content { max-width: 580px; }
.hero__badge { margin-bottom: 24px; }
.hero__headline {
  font-family: var(--font-serif);
  font-size: clamp(2.75rem, 5vw, 4.25rem);
  font-weight: 700;
  color: var(--white);
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 24px;
}
.hero__headline em {
  font-style: italic;
  color: var(--gold-300);
}
.hero__sub {
  font-size: 1.125rem;
  color: rgba(255,255,255,.75);
  line-height: 1.7;
  margin-bottom: 40px;
  max-width: 480px;
}
.hero__ctas {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 56px;
}
.hero__trust {
  display: flex;
  align-items: center;
  gap: 12px;
  color: rgba(255,255,255,.55);
  font-size: 0.8125rem;
}
.hero__trust-avatars {
  display: flex;
}
.hero__trust-avatar {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: 2px solid rgba(255,255,255,.3);
  background: var(--gold-400);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  font-weight: 700;
  color: white;
  margin-left: -8px;
}
.hero__trust-avatar:first-child { margin-left: 0; }
.hero__trust-avatar:nth-child(2) { background: var(--navy-600); }
.hero__trust-avatar:nth-child(3) { background: var(--gold-300); color: var(--navy-800); }
.hero__trust-avatar:nth-child(4) { background: var(--navy-500); }

/* Platform Mockup */
.hero__visual {
  position: relative;
  display: flex;
  justify-content: center;
}
.platform-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 28px;
  box-shadow: var(--shadow-xl);
  width: 100%;
  max-width: 460px;
  position: relative;
}
.platform-card__header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 24px;
}
.platform-card__title {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-muted);
}
.platform-card__dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #22C55E;
  box-shadow: 0 0 8px rgba(34,197,94,.4);
}
.platform-stat-row {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 12px;
  margin-bottom: 24px;
}
.platform-stat {
  background: var(--sand-100);
  border-radius: var(--radius-md);
  padding: 14px 12px;
  text-align: center;
}
.platform-stat__num {
  font-family: var(--font-serif);
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--navy-800);
  line-height: 1;
  margin-bottom: 4px;
}
.platform-stat__label {
  font-size: 0.65rem;
  color: var(--text-muted);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.platform-advisor-list { display: flex; flex-direction: column; gap: 10px; margin-bottom: 20px; }
.platform-advisor {
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--sand-100);
  padding: 10px 12px;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-light);
}
.platform-advisor__avatar {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 700;
  color: white;
  flex-shrink: 0;
}
.platform-advisor__info { flex: 1; min-width: 0; }
.platform-advisor__name {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--text-primary);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.platform-advisor__loc {
  font-size: 0.7rem;
  color: var(--text-muted);
}
.platform-advisor__status {
  font-size: 0.65rem;
  font-weight: 600;
  color: #22C55E;
  background: rgba(34,197,94,.1);
  padding: 2px 8px;
  border-radius: var(--radius-full);
}
.platform-bar {
  height: 6px;
  background: var(--sand-300);
  border-radius: 3px;
  overflow: hidden;
  margin-bottom: 6px;
}
.platform-bar__fill {
  height: 100%;
  background: linear-gradient(90deg, var(--gold-500), var(--gold-300));
  border-radius: 3px;
}
.platform-bar__label {
  display: flex;
  justify-content: space-between;
  font-size: 0.7rem;
  color: var(--text-muted);
  margin-bottom: 8px;
}

/* Floating badge */
.hero__float-badge {
  position: absolute;
  bottom: -16px;
  left: -32px;
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 12px 18px;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 10px;
  animation: floatY 4s ease-in-out infinite;
}
.hero__float-badge-icon {
  width: 36px;
  height: 36px;
  background: linear-gradient(135deg, var(--gold-500), var(--gold-300));
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 1rem;
}
.hero__float-badge-text { line-height: 1.3; }
.hero__float-badge-value {
  font-weight: 700;
  font-size: 0.9375rem;
  color: var(--text-primary);
}
.hero__float-badge-label {
  font-size: 0.7rem;
  color: var(--text-muted);
}
.hero__float-badge-2 {
  position: absolute;
  top: 32px;
  right: -28px;
  background: var(--navy-800);
  border-radius: var(--radius-md);
  padding: 12px 18px;
  box-shadow: var(--shadow-lg);
  color: var(--white);
  animation: floatY 4s ease-in-out infinite 2s;
}
.hero__float-badge-2 .hero__float-badge-value { color: var(--gold-300); }
.hero__float-badge-2 .hero__float-badge-label { color: rgba(255,255,255,.6); }

/* ── 9. Section Headings ─────────────────────── */
.section-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold-500);
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.section-label::before {
  content: '';
  width: 20px;
  height: 2px;
  background: var(--gold-500);
  border-radius: 1px;
}
.section-heading {
  font-family: var(--font-serif);
  font-size: clamp(1.75rem, 3.5vw, 2.75rem);
  font-weight: 700;
  color: var(--text-primary);
  line-height: 1.2;
  margin-bottom: 16px;
}
.section-heading--white { color: var(--white); }
.section-sub {
  font-size: 1.0625rem;
  color: var(--text-muted);
  line-height: 1.7;
  max-width: 560px;
}
.section-sub--white { color: rgba(255,255,255,.7); }
.section-header { margin-bottom: 60px; }
.section-header--center { text-align: center; }
.section-header--center .section-label { justify-content: center; }
.section-header--center .section-label::before { display: none; }
.section-header--center .section-sub { margin: 0 auto; }

/* ── 10. Feature Cards ──────────────────────── */
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.feature-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--gold-300);
}
.feature-card__icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  background: var(--gold-50);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  color: var(--gold-500);
  transition: background var(--transition);
}
.feature-card:hover .feature-card__icon {
  background: var(--gold-100);
}
.feature-card__icon svg { width: 24px; height: 24px; }
.feature-card__title {
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 10px;
}
.feature-card__desc {
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.65;
}

/* ── 11. Stats Bar ──────────────────────────── */
.stats-bar {
  background: var(--navy-800);
  padding: 56px 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}
.stat-item {
  text-align: center;
  padding: 0 24px;
  position: relative;
}
.stat-item + .stat-item::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 1px;
  height: 48px;
  background: rgba(255,255,255,.15);
}
.stat-item__num {
  font-family: var(--font-serif);
  font-size: 2.75rem;
  font-weight: 700;
  color: var(--gold-300);
  line-height: 1;
  margin-bottom: 8px;
}
.stat-item__label {
  font-size: 0.8125rem;
  color: rgba(255,255,255,.6);
  font-weight: 500;
  letter-spacing: 0.02em;
}

/* ── 12. Advisor Cards ──────────────────────── */
.advisor-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.advisor-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: transform var(--transition), box-shadow var(--transition);
  position: relative;
  overflow: hidden;
}
.advisor-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold-500), var(--gold-300));
  opacity: 0;
  transition: opacity var(--transition);
}
.advisor-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.advisor-card:hover::before { opacity: 1; }
.advisor-card__top { display: flex; align-items: center; gap: 16px; margin-bottom: 20px; }
.advisor-avatar {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-serif);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--white);
  flex-shrink: 0;
}
.advisor-card__name {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 3px;
}
.advisor-card__loc {
  font-size: 0.8rem;
  color: var(--text-muted);
  display: flex;
  align-items: center;
  gap: 4px;
}
.advisor-card__specialty {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--gold-500);
  background: var(--gold-50);
  padding: 4px 12px;
  border-radius: var(--radius-full);
  display: inline-block;
  margin-bottom: 14px;
}
.advisor-card__meta {
  display: flex;
  gap: 16px;
}
.advisor-card__meta-item {
  font-size: 0.8rem;
  color: var(--text-muted);
  display: flex;
  align-items: center;
  gap: 4px;
}
.advisor-card__meta-item strong {
  color: var(--text-primary);
  font-weight: 600;
}

/* ── 13. Partner Logos ──────────────────────── */
.partners-section { padding: 56px 0; border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.partners-label {
  text-align: center;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-light);
  margin-bottom: 32px;
}
.partners-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 8px;
  align-items: center;
}
.partner-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 16px 12px;
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
  transition: all var(--transition);
  cursor: default;
  min-height: 60px;
}
.partner-logo:hover {
  border-color: var(--gold-300);
  background: var(--gold-50);
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}
.partner-logo__name {
  font-size: 0.8125rem;
  font-weight: 700;
  color: var(--text-muted);
  letter-spacing: 0.03em;
  text-align: center;
  transition: color var(--transition);
}
.partner-logo:hover .partner-logo__name { color: var(--navy-800); }

/* ── 14. Testimonials ───────────────────────── */
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testimonial-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  position: relative;
}
.testimonial-card::before {
  content: '"';
  font-family: var(--font-serif);
  font-size: 5rem;
  color: var(--gold-100);
  position: absolute;
  top: 12px;
  left: 28px;
  line-height: 1;
}
.testimonial-text {
  font-size: 0.9375rem;
  color: var(--text-body);
  line-height: 1.7;
  font-style: italic;
  margin-bottom: 24px;
  padding-top: 32px;
  position: relative;
  z-index: 1;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.testimonial-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.875rem;
  font-weight: 700;
  color: white;
  flex-shrink: 0;
}
.testimonial-name {
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 2px;
}
.testimonial-role { font-size: 0.8rem; color: var(--text-muted); }
.stars {
  display: flex;
  gap: 2px;
  margin-bottom: 16px;
}
.star { color: var(--gold-400); font-size: 0.9rem; }

/* ── 15. How It Works ───────────────────────── */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  position: relative;
}
.steps-grid::before {
  content: '';
  position: absolute;
  top: 36px;
  left: calc(16.67% + 24px);
  right: calc(16.67% + 24px);
  height: 2px;
  background: linear-gradient(90deg, var(--gold-500), var(--gold-300));
  z-index: 0;
}
.step-card {
  text-align: center;
  padding: 0 32px;
  position: relative;
  z-index: 1;
}
.step-num {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold-500), var(--gold-400));
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-serif);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--white);
  margin: 0 auto 24px;
  box-shadow: var(--shadow-gold);
  position: relative;
  z-index: 1;
}
.step-title {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 12px;
}
.step-desc {
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.65;
}

/* ── 16. Forms ──────────────────────────────── */
.form-group { margin-bottom: 20px; }
.form-label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-primary);
  margin-bottom: 6px;
}
.form-input,
.form-select,
.form-textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 0.9375rem;
  color: var(--text-primary);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
  appearance: none;
}
.form-input:focus,
.form-select:focus,
.form-textarea:focus {
  border-color: var(--gold-500);
  box-shadow: 0 0 0 3px rgba(200,145,58,.15);
}
.form-input::placeholder { color: var(--text-light); }
.form-textarea {
  min-height: 120px;
  resize: vertical;
  line-height: 1.6;
}
.form-select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2364748B' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 40px;
  cursor: pointer;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow-md);
}
.form-card__title {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 6px;
}
.form-card__sub {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-bottom: 28px;
}

/* ── 17. CTA Banner ─────────────────────────── */
.cta-banner {
  background: linear-gradient(135deg, var(--navy-800), var(--navy-700));
  border-radius: var(--radius-xl);
  padding: 64px 72px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,.03) 1px, transparent 1px);
  background-size: 36px 36px;
  pointer-events: none;
}
.cta-banner__title {
  font-family: var(--font-serif);
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  font-weight: 700;
  color: var(--white);
  margin-bottom: 16px;
  position: relative;
}
.cta-banner__sub {
  font-size: 1.0625rem;
  color: rgba(255,255,255,.7);
  max-width: 480px;
  margin: 0 auto 36px;
  line-height: 1.65;
  position: relative;
}
.cta-banner__ctas {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
  position: relative;
}

/* Gold CTA section */
.cta-gold {
  background: linear-gradient(135deg, var(--gold-600), var(--gold-500));
  padding: 80px 0;
}
.cta-gold .cta-banner__sub { color: rgba(255,255,255,.8); }

/* ── 18. Page Sub-Heroes ────────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-800) 60%, var(--navy-700) 100%);
  padding: 140px 0 80px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,.03) 1px, transparent 1px);
  background-size: 36px 36px;
}
.page-hero::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 80px;
  background: linear-gradient(to bottom, transparent, rgba(255,255,255,0));
}
.page-hero__inner { position: relative; z-index: 1; }
.page-hero__label { margin-bottom: 16px; }
.page-hero__title {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 4.5vw, 3.25rem);
  font-weight: 700;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 20px;
  max-width: 700px;
}
.page-hero__sub {
  font-size: 1.125rem;
  color: rgba(255,255,255,.72);
  line-height: 1.7;
  max-width: 560px;
  margin-bottom: 36px;
}
.page-hero--center { text-align: center; }
.page-hero--center .page-hero__title { margin: 0 auto 20px; }
.page-hero--center .page-hero__sub { margin: 0 auto 36px; }
.page-hero--center .page-hero__label { justify-content: center; }

/* ── 19. Footer ─────────────────────────────── */
.footer {
  background: var(--navy-900);
  padding: 72px 0 0;
  color: rgba(255,255,255,.75);
}
.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.footer__brand { max-width: 280px; }
.footer__logo {
  display: flex;
  flex-direction: column;
  gap: 2px;
  margin-bottom: 20px;
}
.footer__logo-primary {
  font-family: var(--font-serif);
  font-size: 1.35rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  color: var(--white);
}
.footer__logo-secondary {
  font-size: 0.6rem;
  font-weight: 600;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  color: var(--gold-400);
}
.footer__tagline {
  font-size: 0.875rem;
  color: rgba(255,255,255,.55);
  line-height: 1.65;
  margin-bottom: 24px;
}
.footer__social {
  display: flex;
  gap: 10px;
}
.footer__social-link {
  width: 36px;
  height: 36px;
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,.08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,.6);
  font-size: 0.875rem;
  font-weight: 700;
  transition: all var(--transition);
}
.footer__social-link:hover {
  background: var(--gold-500);
  color: white;
  transform: translateY(-2px);
}
.footer__col-title {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,.4);
  margin-bottom: 20px;
}
.footer__links { display: flex; flex-direction: column; gap: 12px; }
.footer__link {
  font-size: 0.875rem;
  color: rgba(255,255,255,.6);
  transition: color var(--transition);
}
.footer__link:hover { color: var(--gold-300); }
.footer__bottom {
  padding: 24px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}
.footer__copyright {
  font-size: 0.8125rem;
  color: rgba(255,255,255,.35);
}
.footer__bottom-links {
  display: flex;
  gap: 24px;
}
.footer__bottom-link {
  font-size: 0.8125rem;
  color: rgba(255,255,255,.35);
  transition: color var(--transition);
}
.footer__bottom-link:hover { color: rgba(255,255,255,.7); }

/* ── 20. Animations ─────────────────────────── */
@keyframes floatY {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-8px); }
}
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes fadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}
@keyframes slideInLeft {
  from { opacity: 0; transform: translateX(-32px); }
  to   { opacity: 1; transform: translateX(0); }
}

.animate-on-scroll {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.animate-on-scroll.visible {
  opacity: 1;
  transform: translateY(0);
}
.animate-delay-1 { transition-delay: 0.1s; }
.animate-delay-2 { transition-delay: 0.2s; }
.animate-delay-3 { transition-delay: 0.3s; }
.animate-delay-4 { transition-delay: 0.4s; }
.animate-delay-5 { transition-delay: 0.5s; }

/* ── 21. Responsive ─────────────────────────── */
@media (max-width: 1100px) {
  .hero__inner { gap: 48px; }
  .features-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid .stat-item:nth-child(1)::before,
  .stats-grid .stat-item:nth-child(3)::before { display: none; }
  .partners-grid { grid-template-columns: repeat(3, 1fr); }
  .footer__grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .footer__brand { grid-column: span 2; max-width: 100%; }
}

@media (max-width: 900px) {
  .container, .container--narrow, .container--wide { padding: 0 24px; }
  .section { padding: 72px 0; }
  .section--lg { padding: 88px 0; }
  .hero__inner { grid-template-columns: 1fr; gap: 48px; }
  .hero__visual { order: -1; }
  .hero__float-badge, .hero__float-badge-2 { display: none; }
  .platform-card { max-width: 100%; }
  .grid-2 { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .advisor-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonial-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; gap: 48px; }
  .steps-grid::before { display: none; }
  .step-card { padding: 0; }
  .cta-banner { padding: 48px 36px; }
  .form-row { grid-template-columns: 1fr; }
  .nav__links { display: none; }
  .nav__ctas { display: none; }
  .nav__toggle { display: flex; }
  .nav__mobile-menu {
    display: flex;
    flex-direction: column;
    gap: 4px;
    padding: 16px 24px 20px;
    border-top: 1px solid var(--border);
    background: var(--white);
  }
  .nav__mobile-menu .nav__link {
    padding: 10px 12px;
    border-radius: var(--radius-sm);
    font-size: 0.9375rem;
  }
  .nav__mobile-ctas {
    display: flex;
    gap: 10px;
    padding: 12px 24px 20px;
    background: var(--white);
  }
  .nav__mobile-ctas .btn { flex: 1; justify-content: center; }
  .nav--mobile-open .nav__links { display: none; }
}

@media (max-width: 600px) {
  .container, .container--narrow, .container--wide { padding: 0 16px; }
  .section { padding: 56px 0; }
  .hero { min-height: auto; padding: 100px 0 64px; }
  .hero__ctas { flex-direction: column; }
  .hero__ctas .btn { justify-content: center; }
  .features-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .advisor-grid { grid-template-columns: 1fr; }
  .partners-grid { grid-template-columns: repeat(2, 1fr); }
  .cta-banner { padding: 40px 24px; }
  .cta-banner__ctas { flex-direction: column; align-items: center; }
  .footer__grid { grid-template-columns: 1fr; }
  .footer__brand { grid-column: span 1; }
  .stat-item + .stat-item::before { display: none; }
  .page-hero { padding: 120px 0 60px; }
  .form-card { padding: 28px 20px; }
}

/* Extra: benefit list */
.benefit-list { display: flex; flex-direction: column; gap: 16px; }
.benefit-item {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.benefit-icon {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-sm);
  background: var(--gold-50);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-500);
  flex-shrink: 0;
}
.benefit-icon svg { width: 18px; height: 18px; }
.benefit-text-title {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--text-primary);
  margin-bottom: 3px;
}
.benefit-text-desc { font-size: 0.875rem; color: var(--text-muted); line-height: 1.55; }

/* split layout */
.split-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.split-layout--reverse .split-layout__visual { order: -1; }
@media (max-width: 900px) {
  .split-layout { grid-template-columns: 1fr; gap: 48px; }
  .split-layout--reverse .split-layout__visual { order: 0; }
}

/* visual block */
.visual-block {
  background: linear-gradient(135deg, var(--sand-200), var(--sand-300));
  border-radius: var(--radius-xl);
  padding: 40px;
  aspect-ratio: 4/3;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}
.visual-block--navy {
  background: linear-gradient(135deg, var(--navy-800), var(--navy-700));
}

/* Contact icons */
.contact-info-list { display: flex; flex-direction: column; gap: 20px; }
.contact-info-item { display: flex; gap: 16px; align-items: flex-start; }
.contact-info-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  background: var(--gold-50);
  border: 1px solid var(--gold-100);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-500);
  flex-shrink: 0;
}
.contact-info-icon svg { width: 20px; height: 20px; }
.contact-info-label { font-size: 0.75rem; font-weight: 600; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 4px; }
.contact-info-value { font-size: 0.9375rem; font-weight: 500; color: var(--text-primary); }

/* Divider */
.divider { height: 1px; background: var(--border); margin: 0; }

/* tabs */
.tabs { display: flex; gap: 0; border-bottom: 2px solid var(--border); margin-bottom: 40px; }
.tab-btn {
  padding: 12px 24px;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--text-muted);
  border-bottom: 2px solid transparent;
  margin-bottom: -2px;
  transition: all var(--transition);
  background: none;
  border-left: none;
  border-right: none;
  border-top: none;
  cursor: pointer;
}
.tab-btn.active { color: var(--gold-500); border-bottom-color: var(--gold-500); }
.tab-panel { display: none; }
.tab-panel.active { display: block; }

/* pill tags */
.tag-list { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 12px; }
.tag {
  font-size: 0.75rem;
  font-weight: 500;
  padding: 4px 10px;
  border-radius: var(--radius-full);
  background: var(--sand-200);
  color: var(--text-body);
}