/* ── EQUISURE — Shared Stylesheet ─────────────────────────────────── */
:root {
  --navy:   #2F3A55;
  --coral:  #F28C6A;
  --sage:   #6F8F6A;
  --taupe:  #6E5C5C;
  --oatmeal:#F4F1EB;
  --white:  #FFFFFF;
  --mid:    #C8C0B8;
  --dark:   #2C2826;
  --l-navy: #E8EAF0;
  --l-coral:#FDF0EA;
  --l-sage: #EAF0E9;
  --shadow: 0 8px 40px rgba(47,58,85,0.12);
  --shadow-lg: 0 20px 60px rgba(47,58,85,0.18);
  --hf: 'Cormorant Garamond', serif;
  --bf: 'Montserrat', sans-serif;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:16px}
body{font-family:var(--bf);color:var(--dark);background:#fff;overflow-x:hidden;line-height:1.7}
h1,h2,h3,h4{font-family:var(--hf);font-weight:600;line-height:1.15}
h1{font-size:clamp(2.2rem,5vw,4rem)}
h2{font-size:clamp(1.8rem,3.5vw,2.8rem)}
h3{font-size:clamp(1.2rem,2.5vw,1.8rem)}
p{font-size:1rem;color:var(--taupe);line-height:1.8}
a{text-decoration:none;color:inherit}
ul{list-style:none}
img{max-width:100%;height:auto}

/* Layout */
.container{max-width:1200px;margin:0 auto;padding:0 2rem}
.container--wide{max-width:1400px;margin:0 auto;padding:0 2rem}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:center}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem}
section{padding:6rem 0}
.text-center{text-align:center}
.mt-2{margin-top:2rem}

/* ── NAV ─────────────────────────────────────────────────────────── */
.nav{position:fixed;top:0;left:0;right:0;z-index:1000;background:rgba(255,255,255,0.97);backdrop-filter:blur(20px);border-bottom:1px solid rgba(200,192,184,0.3);transition:box-shadow .3s}
.nav.scrolled{box-shadow:0 4px 30px rgba(47,58,85,0.1)}
.nav__inner{display:flex;align-items:center;justify-content:space-between;padding:.6rem 2rem;max-width:1400px;margin:0 auto}
.nav__logo-img{height:48px;width:auto;display:block}
.nav__links{display:flex;align-items:center;gap:2rem}
.nav__links a{font-size:.8rem;font-weight:600;color:var(--navy);letter-spacing:.08em;text-transform:uppercase;transition:color .2s;padding:.25rem 0;border-bottom:2px solid transparent}
.nav__links a:hover,.nav__links a.active{color:var(--coral);border-bottom-color:var(--coral)}
.nav__cta{background:var(--coral)!important;color:#fff!important;padding:.65rem 1.5rem!important;border-radius:4px;border-bottom:none!important;transition:background .2s,transform .2s!important}
.nav__cta:hover{background:var(--navy)!important;transform:translateY(-1px)}
.nav__mobile-btn{display:none;background:none;border:none;cursor:pointer;flex-direction:column;gap:5px;padding:4px}
.nav__mobile-btn span{display:block;width:26px;height:2px;background:var(--navy);transition:all .3s}
.nav__mobile-menu{display:none;position:fixed;top:90px;left:0;right:0;background:#ffffff;z-index:1001;padding:1rem 1.5rem 2rem;flex-direction:column;border-top:1px solid #eee;box-shadow:0 8px 24px rgba(47,58,85,.12)}
.nav__mobile-menu.open{display:flex}
.nav__mobile-menu a{font-size:1rem;font-weight:600;color:var(--navy);padding:.85rem .25rem;border-bottom:1px solid rgba(200,192,184,.2);text-decoration:none;display:block}

/* ── BUTTONS ─────────────────────────────────────────────────────── */
.btn{display:inline-flex;align-items:center;gap:.5rem;padding:.9rem 2rem;border-radius:4px;font-family:var(--bf);font-size:.85rem;font-weight:600;letter-spacing:.05em;cursor:pointer;transition:all .25s;border:none;text-decoration:none}
.btn--coral{background:var(--coral);color:#fff}
.btn--coral:hover{background:#e07850;transform:translateY(-2px);box-shadow:0 8px 24px rgba(242,140,106,.4)}
.btn--navy{background:var(--navy);color:#fff}
.btn--navy:hover{background:#222d42;transform:translateY(-2px)}
.btn--outline{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.35)}
.btn--outline:hover{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.7)}
.btn--ghost{background:transparent;color:var(--navy);border:1.5px solid var(--navy)}
.btn--ghost:hover{background:var(--navy);color:#fff}
.btn--full{width:100%;justify-content:center}

/* ── SECTION HEADERS ─────────────────────────────────────────────── */
.section-header{text-align:center;margin-bottom:4rem}
.section-tag{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:var(--coral);margin-bottom:1rem}
.section-header h2{color:var(--navy);margin-bottom:1rem}
.section-header p{max-width:600px;margin:0 auto}

/* ── FADE IN ─────────────────────────────────────────────────────── */
.fade-in{opacity:0;transform:translateY(30px);transition:opacity .7s ease,transform .7s ease}
.fade-in.visible{opacity:1;transform:none}

/* ── HERO ────────────────────────────────────────────────────────── */
.hero{min-height:100vh;display:flex;align-items:center;background:var(--navy);position:relative;overflow:hidden;padding-top:80px}
.hero__bg{position:absolute;inset:0;background:radial-gradient(ellipse 80% 60% at 70% 40%,rgba(242,140,106,.12) 0%,transparent 60%),radial-gradient(ellipse 60% 80% at 20% 80%,rgba(111,143,106,.08) 0%,transparent 50%)}
.hero__content{position:relative;z-index:1;max-width:1200px;margin:0 auto;padding:4rem 2rem;display:grid;grid-template-columns:1.1fr .9fr;gap:5rem;align-items:center}
.hero__tag{display:inline-flex;align-items:center;gap:.5rem;background:rgba(242,140,106,.15);border:1px solid rgba(242,140,106,.3);border-radius:100px;padding:.4rem 1rem;font-size:.75rem;font-weight:600;color:var(--coral);letter-spacing:.1em;text-transform:uppercase;margin-bottom:1.5rem}
.hero__tag::before{content:'';width:6px;height:6px;background:var(--coral);border-radius:50%;animation:pulse 2s infinite}
@keyframes pulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.5;transform:scale(1.5)}}
.hero__title{color:#fff;margin-bottom:1.5rem}
.hero__title em{font-style:italic;color:var(--coral)}
.hero__subtitle{font-size:1.05rem;color:rgba(255,255,255,.65);line-height:1.8;margin-bottom:2.5rem;max-width:500px}
.hero__actions{display:flex;gap:1rem;flex-wrap:wrap}
.hero__stats{display:flex;gap:2rem;margin-top:3rem;padding-top:2.5rem;border-top:1px solid rgba(255,255,255,.1);flex-wrap:wrap}
.hero__stat-num{font-family:var(--hf);font-size:2rem;font-weight:600;color:#fff}
.hero__stat-label{font-size:.75rem;color:rgba(255,255,255,.5);letter-spacing:.05em}

/* Hero card */
.hero__card{background:#fff;border-radius:16px;padding:2.5rem;box-shadow:var(--shadow-lg);animation:float 6s ease-in-out infinite}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}
.hero__card-title{font-family:var(--hf);font-size:1.4rem;color:var(--navy);margin-bottom:.5rem}
.hero__card-sub{font-size:.8rem;color:var(--mid);margin-bottom:1.5rem}
.mini-calc{display:flex;flex-direction:column;gap:1rem}
.mini-calc label{font-size:.75rem;font-weight:600;color:var(--taupe);letter-spacing:.05em;text-transform:uppercase;display:block;margin-bottom:.35rem}
.mini-calc input{width:100%;padding:.8rem 1rem;border:1.5px solid #E5E0D8;border-radius:8px;font-family:var(--bf);font-size:.95rem;color:var(--dark);transition:border-color .2s}
.mini-calc input:focus{outline:none;border-color:var(--coral)}
.mini-calc__result{background:var(--navy);border-radius:8px;padding:1.2rem;text-align:center;margin-top:.5rem}
.mini-calc__result-label{font-size:.7rem;color:rgba(255,255,255,.6);letter-spacing:.08em;text-transform:uppercase;margin-bottom:.3rem}
.mini-calc__result-val{font-family:var(--hf);font-size:2rem;font-weight:600;color:var(--coral)}
.mini-calc__result-note{font-size:.65rem;color:rgba(255,255,255,.4);margin-top:.3rem;line-height:1.5}
.fca-badge{display:flex;align-items:center;gap:.5rem;background:var(--l-sage);border-radius:8px;padding:.75rem 1rem;font-size:.72rem;color:var(--sage);font-weight:600;margin-top:1rem}
.fca-badge svg{width:16px;height:16px;flex-shrink:0}

/* ── TRUST BAR ───────────────────────────────────────────────────── */
.trust-bar{background:var(--oatmeal);padding:1.5rem 0;border-bottom:1px solid rgba(200,192,184,.3)}
.trust-bar__inner{display:flex;align-items:center;justify-content:center;gap:3rem;flex-wrap:wrap;max-width:1200px;margin:0 auto;padding:0 2rem}
.trust-item{display:flex;align-items:center;gap:.5rem;font-size:.78rem;font-weight:600;color:var(--navy)}
.trust-item svg{color:var(--coral);width:18px;height:18px;flex-shrink:0}

/* ── STEPS ───────────────────────────────────────────────────────── */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative}
.steps::before{content:'';position:absolute;top:40px;left:12%;right:12%;height:2px;background:linear-gradient(90deg,var(--coral),var(--sage))}
.step{text-align:center;padding:0 1.5rem;position:relative}
.step__num{width:80px;height:80px;border-radius:50%;background:var(--navy);color:#fff;font-family:var(--hf);font-size:1.8rem;font-weight:600;display:flex;align-items:center;justify-content:center;margin:0 auto 1.5rem;position:relative;z-index:1;box-shadow:0 8px 24px rgba(47,58,85,.25)}
.step:nth-child(2) .step__num{background:var(--coral)}
.step:nth-child(3) .step__num{background:var(--sage)}
.step:nth-child(4) .step__num{background:var(--taupe)}
.step h4{color:var(--navy);margin-bottom:.75rem}
.step p{font-size:.88rem}

/* ── FEATURE CARDS ───────────────────────────────────────────────── */
.feature-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem}
.feature-card{border:1px solid rgba(200,192,184,.3);border-radius:16px;padding:2.5rem 2rem;transition:all .3s;position:relative;overflow:hidden}
.feature-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:var(--coral);transform:scaleX(0);transform-origin:left;transition:transform .3s}
.feature-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.feature-card:hover::before{transform:scaleX(1)}
.feature-card__icon{width:52px;height:52px;border-radius:12px;background:var(--l-coral);display:flex;align-items:center;justify-content:center;margin-bottom:1.5rem}
.feature-card__icon svg{width:26px;height:26px;color:var(--coral)}
.feature-card h4{color:var(--navy);margin-bottom:.75rem}
.feature-card p{font-size:.88rem}

/* ── TESTIMONIALS ────────────────────────────────────────────────── */
.testimonial-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem}
.testimonial-card{background:#fff;border-radius:16px;padding:2rem;box-shadow:0 2px 20px rgba(47,58,85,.06)}
.testimonial-stars{color:var(--coral);font-size:1rem;margin-bottom:1rem;letter-spacing:.1em}
.testimonial-text{font-family:var(--hf);font-size:1.05rem;font-style:italic;color:var(--navy);line-height:1.7;margin-bottom:1.5rem}
.testimonial-author{display:flex;align-items:center;gap:.75rem}
.testimonial-avatar{width:44px;height:44px;border-radius:50%;background:var(--navy);display:flex;align-items:center;justify-content:center;font-family:var(--hf);font-size:1.1rem;font-weight:600;color:var(--coral);flex-shrink:0}
.testimonial-name{font-size:.85rem;font-weight:600;color:var(--navy)}
.testimonial-loc{font-size:.75rem;color:var(--mid)}

/* ── EQUITY RELEASE EXPLAINER ────────────────────────────────────── */
.equity-explainer{background:var(--navy);color:#fff}
.equity-explainer h2{color:#fff}
.equity-explainer p{color:rgba(255,255,255,.7)}
.equity-explainer .section-tag{color:var(--coral)}
.explainer-grid{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:start;margin-top:3rem}
.explainer-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:2rem;border-top:3px solid var(--coral)}
.explainer-card h3{color:#fff;margin-bottom:1rem}
.explainer-card p{color:rgba(255,255,255,.65);font-size:.9rem}
.pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin-top:1rem}
.pros,.cons{padding:1rem;border-radius:8px}
.pros{background:rgba(111,143,106,.15)}
.cons{background:rgba(110,92,92,.15)}
.pros h5,.cons h5{font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;margin-bottom:.75rem}
.pros h5{color:var(--sage)}
.cons h5{color:#E8A0A0}
.pros li,.cons li{font-size:.82rem;color:rgba(255,255,255,.7);margin-bottom:.4rem;padding-left:1rem;position:relative}
.pros li::before{content:'✓';position:absolute;left:0;color:var(--sage)}
.cons li::before{content:'!';position:absolute;left:0;color:#E8A0A0}

/* ── CALCULATORS ─────────────────────────────────────────────────── */
.calc-tabs{display:flex;gap:.5rem;flex-wrap:wrap;margin-bottom:3rem;justify-content:center}
.calc-tab{padding:.6rem 1.4rem;border-radius:100px;font-size:.78rem;font-weight:600;cursor:pointer;transition:all .2s;border:1.5px solid var(--mid);background:#fff;color:var(--taupe)}
.calc-tab.active{background:var(--navy);color:#fff;border-color:var(--navy)}
.calc-panel{display:none}
.calc-panel.active{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:start}
.calc-box{background:#fff;border-radius:16px;padding:2.5rem;box-shadow:var(--shadow)}
.calc-box h3{color:var(--navy);margin-bottom:.5rem}
.calc-box>p{font-size:.85rem;margin-bottom:2rem}
.calc-field{margin-bottom:1.5rem}
.calc-field label{display:block;font-size:.72rem;font-weight:700;color:var(--taupe);letter-spacing:.08em;text-transform:uppercase;margin-bottom:.5rem}
.calc-field input,.calc-field select{width:100%;padding:.9rem 1.1rem;border:1.5px solid #E5E0D8;border-radius:8px;font-family:var(--bf);font-size:1rem;color:var(--dark);transition:border-color .2s;appearance:none;background:#fff}
.calc-field input:focus,.calc-field select:focus{outline:none;border-color:var(--coral);box-shadow:0 0 0 3px rgba(242,140,106,.1)}
.calc-field--row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.range-group{display:flex;align-items:center;gap:1rem}
.range-group input[type="range"]{-webkit-appearance:none;appearance:none;flex:1;border:none;padding:0;height:6px;border-radius:3px;background:#d8d4cf;outline:none;cursor:pointer}
.range-group input[type="range"]::-webkit-slider-runnable-track{height:6px;border-radius:3px;background:#d8d4cf}
.range-group input[type="range"]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:28px;height:28px;border-radius:50%;background:var(--coral);border:4px solid #fff;box-shadow:0 2px 10px rgba(0,0,0,0.25),0 0 0 2px var(--coral);cursor:pointer;margin-top:-11px}
.range-group input[type="range"]::-moz-range-track{height:6px;border-radius:3px;background:#d8d4cf;border:none}
.range-group input[type="range"]::-moz-range-thumb{width:28px;height:28px;border-radius:50%;background:var(--coral);border:4px solid #fff;box-shadow:0 2px 10px rgba(0,0,0,0.25),0 0 0 2px var(--coral);cursor:pointer}
.range-group input[type="range"]::-moz-range-progress{background:var(--coral);height:6px;border-radius:3px}
.range-group .range-val{font-family:var(--hf);font-size:1.2rem;font-weight:600;color:var(--navy);min-width:60px;text-align:right}
.calc-result{background:var(--navy);border-radius:12px;padding:2rem;text-align:center;margin-top:1.5rem}
.calc-result__main-label{font-size:.7rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.5);margin-bottom:.5rem}
.calc-result__main-val{font-family:var(--hf);font-size:3rem;font-weight:600;color:var(--coral);line-height:1}
.calc-result__sub{display:flex;gap:1rem;justify-content:center;margin-top:1.5rem;flex-wrap:wrap}
.calc-result__sub-item{text-align:center}
.calc-result__sub-val{font-family:var(--hf);font-size:1.3rem;font-weight:600;color:#fff}
.calc-result__sub-label{font-size:.65rem;color:rgba(255,255,255,.45);margin-top:.2rem}
.calc-disclaimer{font-size:.7rem;color:rgba(255,255,255,.4);margin-top:1rem;line-height:1.5}
.calc-info{display:flex;flex-direction:column;gap:1.5rem}
.calc-info-card{background:#fff;border-radius:12px;padding:1.5rem;border-left:4px solid var(--coral);box-shadow:0 2px 12px rgba(47,58,85,.06)}
.calc-info-card h4{color:var(--navy);margin-bottom:.5rem;font-size:1rem}
.calc-info-card p{font-size:.82rem}
.calc-chart{background:#fff;border-radius:12px;padding:1.5rem;box-shadow:0 2px 12px rgba(47,58,85,.06)}
.calc-chart h4{color:var(--navy);margin-bottom:1rem;font-size:1rem}
.chart-bars{display:flex;align-items:flex-end;gap:.5rem;height:180px;padding-top:2rem}
.chart-bar-wrap{flex:1;display:flex;flex-direction:column;align-items:center;gap:3px}
.chart-bar{width:100%;border-radius:4px 4px 0 0;transition:height .4s ease;min-height:4px}
.chart-bar-label{font-size:.6rem;color:var(--taupe);text-align:center;white-space:nowrap;padding-top:3px}
.chart-bar-val{font-family:var(--hf);font-size:.75rem;color:var(--navy);font-weight:600;text-align:center;white-space:nowrap}

/* ── TEAM ────────────────────────────────────────────────────────── */
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2.5rem}
.team-card{text-align:center;padding:2.5rem 2rem;border-radius:16px;transition:all .3s}
.team-card:hover{background:var(--oatmeal)}
.team-avatar{width:100px;height:100px;border-radius:50%;background:var(--navy);margin:0 auto 1.5rem;display:flex;align-items:center;justify-content:center;font-family:var(--hf);font-size:2rem;font-weight:600;color:var(--coral);box-shadow:0 8px 24px rgba(47,58,85,.2)}
.team-name{font-family:var(--hf);font-size:1.3rem;color:var(--navy);margin-bottom:.3rem}
.team-role{font-size:.78rem;font-weight:600;color:var(--coral);letter-spacing:.05em;text-transform:uppercase;margin-bottom:.75rem}
.team-bio{font-size:.85rem}
.team-qual{display:inline-block;background:var(--l-navy);color:var(--navy);font-size:.7rem;font-weight:600;padding:.3rem .75rem;border-radius:100px;margin-top:.75rem}

/* ── CONTACT ─────────────────────────────────────────────────────── */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:start;margin-top:4rem}
.contact-detail{display:flex;align-items:flex-start;gap:1rem;margin-bottom:1.5rem}
.contact-detail__icon{width:44px;height:44px;border-radius:10px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.contact-detail__icon svg{width:20px;height:20px;color:var(--coral)}
.contact-detail__label{font-size:.7rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:rgba(255,255,255,.4);margin-bottom:.25rem}
.contact-detail__val{font-family:var(--hf);font-size:1.1rem;color:#fff}
.contact-form{background:#fff;border-radius:16px;padding:3rem;box-shadow:var(--shadow-lg)}
.contact-form h3{color:var(--navy);margin-bottom:.5rem}
.contact-form>p{font-size:.85rem;margin-bottom:2rem}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.form-field{margin-bottom:1.25rem}
.form-field label{display:block;font-size:.72rem;font-weight:700;color:var(--taupe);letter-spacing:.08em;text-transform:uppercase;margin-bottom:.4rem}
.form-field input,.form-field select,.form-field textarea{width:100%;padding:.85rem 1rem;border:1.5px solid #E5E0D8;border-radius:8px;font-family:var(--bf);font-size:.9rem;color:var(--dark);transition:border-color .2s;background:#fff;appearance:none}
.form-field input:focus,.form-field select:focus,.form-field textarea:focus{outline:none;border-color:var(--coral)}
.form-field textarea{resize:vertical;min-height:100px}
.form-check{display:flex;align-items:flex-start;gap:.75rem;margin-bottom:1.5rem}
.form-check input{width:16px;height:16px;margin-top:2px;flex-shrink:0;accent-color:var(--coral)}
.form-check label{font-size:.78rem;color:var(--taupe);line-height:1.5;font-weight:400;letter-spacing:0;text-transform:none}

/* ── POLICY PAGES ────────────────────────────────────────────────── */
.policy-header{background:var(--navy);padding:8rem 0 4rem;margin-top:0}
.policy-header .section-tag{color:var(--coral)}
.policy-header h1{color:#fff;font-size:clamp(2rem,4vw,3.2rem)}
.policy-header__meta{color:rgba(255,255,255,.5);font-size:.85rem;margin-top:.75rem}
.policy-body{max-width:820px;margin:0 auto;padding:5rem 2rem}
.policy-body h2{font-family:var(--hf);font-size:1.6rem;color:var(--navy);margin:2.5rem 0 1rem;padding-bottom:.5rem;border-bottom:2px solid var(--coral)}
.policy-body h3{font-family:var(--hf);font-size:1.2rem;color:var(--sage);margin:2rem 0 .75rem;font-style:italic}
.policy-body p{color:var(--dark);margin-bottom:1rem}
.policy-body ul{margin:1rem 0 1rem 1.5rem}
.policy-body ul li{list-style:disc;color:var(--dark);font-size:1rem;margin-bottom:.5rem;line-height:1.7}
.policy-table{width:100%;border-collapse:collapse;margin:1.5rem 0}
.policy-table th{background:var(--navy);color:#fff;font-size:.8rem;font-weight:600;padding:.75rem 1rem;text-align:left;font-family:var(--bf)}
.policy-table td{padding:.75rem 1rem;border-bottom:1px solid rgba(200,192,184,.3);font-size:.9rem;color:var(--dark);vertical-align:top}
.policy-table tr:nth-child(even) td{background:var(--oatmeal)}
.policy-info-box{background:var(--l-navy);border-left:4px solid var(--navy);border-radius:0 8px 8px 0;padding:1.5rem;margin:2rem 0}
.policy-info-box.coral{background:var(--l-coral);border-left-color:var(--coral)}
.policy-info-box.sage{background:var(--l-sage);border-left-color:var(--sage)}
.policy-info-box.warn{background:#FDF0EA;border-left-color:var(--taupe)}
.policy-info-box h4{font-family:var(--hf);font-size:1rem;color:var(--navy);margin-bottom:.5rem}
.policy-info-box.coral h4{color:var(--coral)}
.policy-info-box p{font-size:.9rem;margin:0}

/* ── REGULATORY FOOTER ───────────────────────────────────────────── */
.regulatory{background:var(--dark);padding:2.5rem 0}
.regulatory__text{font-size:.72rem;color:rgba(255,255,255,.4);line-height:1.8;text-align:center;max-width:1000px;margin:0 auto}

/* ── FOOTER ──────────────────────────────────────────────────────── */
.footer{background:var(--dark);border-top:1px solid rgba(255,255,255,.05);padding:4rem 0 2rem}
.footer__grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr 1fr;gap:2.5rem;max-width:1280px;margin:0 auto;padding:0 2rem;margin-bottom:3rem}
.footer__brand p{font-size:.85rem;color:rgba(255,255,255,.4);margin-top:1rem;line-height:1.7}
.footer__logo{display:flex;align-items:center;gap:.6rem;margin-bottom:.75rem}
.footer__slogan{font-family:var(--hf);font-style:italic;font-size:.9rem;color:var(--coral);margin-top:1rem!important;color:var(--coral)!important}
.footer__col h5{font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.4);margin-bottom:1.25rem}
.footer__col ul li{margin-bottom:.6rem}
.footer__col ul li a{font-size:.85rem;color:rgba(255,255,255,.6);transition:color .2s}
.footer__col ul li a:hover{color:var(--coral)}
.footer__bottom{display:flex;align-items:center;justify-content:space-between;padding:2rem 2rem 0;border-top:1px solid rgba(255,255,255,.07);max-width:1200px;margin:0 auto}
.footer__bottom-left{font-size:.75rem;color:rgba(255,255,255,.3)}
.footer__bottom-links{display:flex;gap:1.5rem}
.footer__bottom-links a{font-size:.75rem;color:rgba(255,255,255,.3);transition:color .2s}
.footer__bottom-links a:hover{color:var(--coral)}

/* ── RESPONSIVE ──────────────────────────────────────────────────── */
@media(max-width:1200px){
  .footer__grid{grid-template-columns:1.4fr 1fr 1fr;gap:2rem}
  .footer__brand{grid-column:1 / -1}
}
@media(max-width:1024px){
  .grid-2,.explainer-grid,.contact-grid{grid-template-columns:1fr;gap:3rem}
  .hero__content{grid-template-columns:1fr}
  .steps,.feature-cards,.testimonial-grid,.team-grid,.grid-4{grid-template-columns:1fr 1fr}
  .calc-panel.active{grid-template-columns:1fr}
  .footer__grid{grid-template-columns:1fr 1fr;gap:2rem}
  .footer__brand{grid-column:auto}
}
@media(max-width:768px){
  .nav__links{display:none}
  .nav__mobile-btn{display:flex}
  section{padding:4rem 0}
  .steps,.feature-cards,.testimonial-grid,.team-grid,.grid-3,.grid-4{grid-template-columns:1fr}
  .steps::before{display:none}
  .footer__grid{grid-template-columns:1fr}
  .footer__bottom{flex-direction:column;gap:1rem;text-align:center}
  .form-row{grid-template-columns:1fr}
  .hero__stats{flex-direction:column;gap:1rem}
  .calc-tabs{justify-content:flex-start;overflow-x:auto;padding-bottom:.5rem}
  .trust-bar__inner{gap:1.5rem}
  .calc-field--row{grid-template-columns:1fr}
  /* Stack inline grids on mobile — about and contact pages */
  [style*="grid-template-columns:repeat(4,1fr)"]{grid-template-columns:1fr 1fr !important;gap:1rem !important}
  [style*="grid-template-columns:1fr 1fr"]{grid-template-columns:1fr !important;gap:2rem !important}
  [style*="grid-template-columns:1fr 1.4fr"]{grid-template-columns:1fr !important;gap:2rem !important}
}
input[type=number]::-webkit-inner-spin-button,input[type=number]::-webkit-outer-spin-button{-webkit-appearance:none}

/* ── ONE SAFE MOBILE FIX ──────────────────────────────────────── */
/* Mobile menu — extra visual separation when open (the user's request) */