/* ============================================================
   SHARED STYLESHEET — leofalkovsky.ca
   Navy · Blue · White  (markarnstein.com palette)
============================================================ */

/* --- TOKENS --- */
:root {
  --navy:        #2a528d;
  --navy-dark:   #1e3f6f;
  --navy-mid:    #4374bb;
  --navy-light:  #223c63;
  --gold:        #4374bb;
  --gold-light:  #6d9adc;
  --gold-dark:   #2a528d;
  --cream:       #f4f4f4;
  --cream-light: #ffffff;
  --cream-dark:  #e1e1e1;
  --white:       #ffffff;
  --text-dark:   #2c2c2c;
  --text-mid:    #444444;
  --text-light:  #777777;
  --shadow-sm:   0 2px 8px rgba(30,63,111,.07);
  --shadow-md:   0 6px 24px rgba(30,63,111,.12);
  --shadow-lg:   0 16px 48px rgba(30,63,111,.18);
  --radius-sm:   6px;
  --radius-md:   12px;
  --radius-lg:   20px;
  --transition:  all .25s cubic-bezier(.4,0,.2,1);
  --max-w:       1180px;
}

/* --- RESET --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body { font-family: 'Inter', sans-serif; color: var(--text-dark); background: var(--white); line-height: 1.6; overflow-x: hidden; }
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

/* --- LAYOUT --- */
.container { width: 90%; max-width: var(--max-w); margin: 0 auto; }
section { padding: 88px 0; }

/* --- TYPOGRAPHY --- */
.serif { font-family: 'Playfair Display', serif; }
.section-label {
  display: inline-block; font-size: .73rem; font-weight: 600;
  letter-spacing: .13em; text-transform: uppercase; color: var(--gold); margin-bottom: 10px;
}
.section-title {
  font-family: 'Playfair Display', serif; font-size: clamp(1.9rem, 4vw, 2.7rem);
  color: var(--navy-dark); line-height: 1.2; margin-bottom: 16px;
}
.section-sub { font-size: 1.05rem; color: var(--text-mid); line-height: 1.75; max-width: 600px; }
.gold-rule { width: 52px; height: 3px; background: var(--gold); border-radius: 2px; margin: 18px 0 28px; }
.gold-rule.center { margin-left: auto; margin-right: auto; }
.text-gold  { color: var(--gold); }
.text-navy  { color: var(--navy); }
.text-white { color: var(--white); }
.text-center{ text-align: center; }

/* --- BUTTONS --- */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 30px; border-radius: var(--radius-sm); font-weight: 600;
  font-size: .93rem; letter-spacing: .03em; cursor: pointer;
  border: 2px solid transparent; transition: var(--transition); line-height: 1;
}
.btn-primary  { background: var(--gold); color: var(--white); border-color: var(--gold); }
.btn-primary:hover { background: var(--gold-dark); border-color: var(--gold-dark); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(67,116,187,.35); }
.btn-outline  { background: transparent; color: var(--white); border-color: rgba(255,255,255,.6); }
.btn-outline:hover { background: rgba(255,255,255,.1); border-color: var(--white); transform: translateY(-2px); }
.btn-navy    { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn-navy:hover { background: var(--navy-mid); transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-ghost   { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-ghost:hover { background: var(--navy); color: var(--white); transform: translateY(-2px); }
.btn-lg { padding: 17px 38px; font-size: 1rem; }
.btn-sm { padding: 10px 20px; font-size: .82rem; }

/* --- NAV --- */
#nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  padding: 14px 0; background: var(--white);
  box-shadow: 0 2px 12px rgba(0,0,0,.08); transition: var(--transition);
}
#nav.scrolled { padding: 10px 0; box-shadow: 0 4px 20px rgba(0,0,0,.12); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.nav-logo { display: flex; flex-direction: row; align-items: center; flex-shrink: 0; gap: 10px; }
.brokerage-logo { height: 36px; width: auto; display: block; }
.nav-logo-stack { display: flex; flex-direction: column; }
.nav-logo-name { font-family: 'Playfair Display', serif; font-size: 1.2rem; color: var(--navy-dark); line-height: 1.1; }
.nav-logo-tag { font-size: .68rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--gold-dark); }
.nav-links { display: flex; align-items: center; gap: 20px; flex-wrap: nowrap; }
.nav-links a { color: var(--text-mid); font-size: .82rem; font-weight: 500; letter-spacing: .03em; transition: var(--transition); white-space: nowrap; }
.nav-links a:hover, .nav-links a.active { color: var(--gold-dark); }
.nav-cta { flex-shrink: 0; }
.hamburger {
  display: none; flex-direction: column; justify-content: center; align-items: center;
  gap: 5px; cursor: pointer; padding: 10px 12px; border: 1.5px solid var(--navy-dark);
  border-radius: 6px; background: none; min-width: 44px; min-height: 44px;
}
.hamburger span { display: block; width: 22px; height: 2.5px; background: var(--navy-dark); border-radius: 2px; transition: var(--transition); }

/* Mobile drawer */
.nav-drawer {
  display: none; position: fixed; inset: 0; background: var(--white);
  z-index: 1100; flex-direction: column; align-items: center; justify-content: center; gap: 32px;
  padding: 20px;
}
.nav-drawer.open { display: flex; }
.nav-drawer a { color: var(--navy-dark); font-family: 'Playfair Display', serif; font-size: 1.4rem; font-weight: 600; transition: var(--transition); text-align: center; }
.nav-drawer a:hover { color: var(--gold); }
.drawer-close {
  position: absolute; top: 20px; right: 20px; background: var(--cream); border: none;
  color: var(--navy-dark); font-size: 1.8rem; cursor: pointer; line-height: 1;
  width: 44px; height: 44px; border-radius: 50%; display: flex; align-items: center; justify-content: center;
}

/* --- HERO (base — each page overrides background) --- */
.hero {
  min-height: 88vh; display: flex; align-items: center;
  padding: 100px 0 72px; position: relative; overflow: hidden;
  background: var(--navy-dark);
}
.hero::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0;
  height: 80px; background: linear-gradient(to top, var(--white), transparent);
  z-index: 1;
}
.hero > .container { position: relative; z-index: 2; }
.hero-content { position: relative; z-index: 2; max-width: 820px; }

/* Ken Burns hero image animation */
@keyframes kenBurns {
  from { transform: scale(1)    translate(0,      0);      }
  to   { transform: scale(1.08) translate(-1.5%, -0.8%);  }
}
@keyframes kenBurnsB {
  from { transform: scale(1)    translate(0,    0);    }
  to   { transform: scale(1.08) translate(1.5%, 0.8%); }
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(67,116,187,.2); border: 1px solid rgba(67,116,187,.4);
  color: var(--gold-light); font-size: .76rem; font-weight: 700;
  letter-spacing: .1em; text-transform: uppercase;
  padding: 6px 16px; border-radius: 100px; margin-bottom: 26px;
}
.hero-badge::before { content: ''; width: 7px; height: 7px; border-radius: 50%; background: var(--gold); flex-shrink: 0; }
.hero-title { font-family: 'Playfair Display', serif; font-size: clamp(2.4rem, 5.5vw, 4rem); color: var(--white); line-height: 1.1; margin-bottom: 22px; }
.hero-title span { color: var(--gold); }
.hero-sub { font-size: clamp(.95rem, 2vw, 1.15rem); color: rgba(255,255,255,.85); line-height: 1.75; margin-bottom: 40px; max-width: 640px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 56px; }
.hero-stats { display: flex; flex-wrap: wrap; gap: 40px; }
.stat-num { font-family: 'Playfair Display', serif; font-size: 1.9rem; color: var(--gold); line-height: 1; }
.stat-label { font-size: .78rem; color: rgba(255,255,255,.6); margin-top: 3px; }
/* stat-item / stat-lbl used by inner pages */
.stat-item .stat-num { font-family: 'Playfair Display', serif; font-size: 1.9rem; color: var(--gold); }
.stat-item .stat-lbl { font-size: .75rem; color: rgba(255,255,255,.6); margin-top: 2px; }

/* Inner page hero (shorter, medium blue) */
.hero-inner {
  min-height: 42vh; padding: 120px 0 64px;
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-mid) 100%) !important;
}
.hero-inner::after { height: 60px; }

/* --- TRUST BAR --- */
.trust-bar { background: var(--navy-dark); padding: 20px 0; }
.trust-bar-inner { display: flex; align-items: center; justify-content: space-around; flex-wrap: wrap; gap: 18px; }
.trust-item { display: flex; align-items: center; gap: 10px; color: rgba(255,255,255,.75); font-size: .83rem; font-weight: 500; }
.trust-icon { width: 30px; height: 30px; background: rgba(67,116,187,.18); border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.trust-icon svg { width: 15px; height: 15px; fill: var(--gold); }

/* --- SERVICE CARDS --- */
.services-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 24px; }
.card {
  background: var(--white); border-radius: var(--radius-md);
  padding: 36px 28px; box-shadow: var(--shadow-sm);
  border: 1px solid var(--cream-dark); transition: var(--transition);
  position: relative; overflow: hidden;
}
.card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0;
  height: 3px; background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0); transform-origin: left; transition: var(--transition);
}
.card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.card:hover::before { transform: scaleX(1); }
.card.dark { background: var(--navy); border-color: var(--navy); }
.card.dark .card-title, .card.dark p { color: rgba(255,255,255,.85); }
.card.dark p { color: rgba(255,255,255,.65); }
.card-icon { width: 52px; height: 52px; background: rgba(67,116,187,.1); border-radius: var(--radius-sm); display: flex; align-items: center; justify-content: center; margin-bottom: 20px; }
.card.dark .card-icon { background: rgba(67,116,187,.18); }
.card-icon svg { width: 26px; height: 26px; fill: var(--gold); }
.card-badge { display: inline-block; font-size: .67rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--gold); background: rgba(67,116,187,.1); padding: 3px 10px; border-radius: 100px; margin-bottom: 10px; }
.card-title { font-family: 'Playfair Display', serif; font-size: 1.2rem; color: var(--navy-dark); margin-bottom: 10px; }
.card p { font-size: .88rem; color: var(--text-mid); line-height: 1.7; }
.card-link { display: inline-flex; align-items: center; gap: 5px; font-size: .84rem; font-weight: 600; color: var(--gold-dark); margin-top: 16px; transition: var(--transition); }
.card-link:hover { gap: 8px; color: var(--gold); }

/* --- CHIP BADGES --- */
.chip { display: inline-flex; align-items: center; gap: 6px; background: var(--cream); border: 1px solid var(--cream-dark); border-radius: 100px; padding: 6px 14px; font-size: .78rem; font-weight: 500; color: var(--navy); }
.chip.check::before { content: '✓'; width: 17px; height: 17px; border-radius: 50%; background: var(--gold); color: var(--navy-dark); font-size: .65rem; font-weight: 800; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; }

/* --- TESTIMONIALS --- */
.testimonial-card {
  background: var(--cream); border-radius: var(--radius-md);
  padding: 32px 28px; border-left: 4px solid var(--gold); transition: var(--transition);
}
.testimonial-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.stars { display: flex; gap: 3px; margin-bottom: 16px; }
.star { color: var(--gold); }
.testimonial-text { font-size: .93rem; color: var(--text-mid); line-height: 1.75; font-style: italic; margin-bottom: 22px; }
.author-avatar { width: 42px; height: 42px; border-radius: 50%; background: var(--navy); color: var(--gold); font-family: 'Playfair Display', serif; font-size: .95rem; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.author-name { font-weight: 600; color: var(--navy-dark); font-size: .88rem; }
.author-loc { font-size: .76rem; color: var(--text-light); }
.testimonial-author { display: flex; align-items: center; gap: 11px; }

/* --- PROCESS --- */
.process-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 0; position: relative; }
.process-grid::before {
  content: ''; position: absolute; top: 31px; left: 12.5%; right: 12.5%;
  height: 2px; background: linear-gradient(90deg, var(--gold), var(--gold-light)); z-index: 0;
}
.process-step { text-align: center; padding: 0 14px; position: relative; z-index: 1; }
.process-num {
  width: 62px; height: 62px; border-radius: 50%; background: var(--navy);
  border: 3px solid var(--gold); color: var(--gold); font-family: 'Playfair Display', serif;
  font-size: 1.25rem; display: flex; align-items: center; justify-content: center;
  margin: 0 auto 18px;
}
.process-step-title { font-weight: 600; color: var(--navy-dark); font-size: .93rem; margin-bottom: 7px; }
.process-step-desc { font-size: .8rem; color: var(--text-mid); line-height: 1.6; }

/* --- ACCORDION / FAQ --- */
.faq-item { border-bottom: 1px solid var(--cream-dark); }
.faq-q {
  display: flex; justify-content: space-between; align-items: center;
  padding: 20px 0; cursor: pointer; font-weight: 600; color: var(--navy-dark);
  font-size: .95rem; gap: 16px; user-select: none;
}
.faq-q .faq-icon { width: 24px; height: 24px; border-radius: 50%; background: var(--gold); color: var(--navy-dark); display: flex; align-items: center; justify-content: center; font-size: 1.1rem; flex-shrink: 0; transition: var(--transition); font-weight: 700; line-height: 1; }
.faq-item.open .faq-icon { background: var(--navy); color: var(--gold); transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .4s ease, padding .3s ease; }
.faq-a-inner { padding: 0 0 20px; font-size: .9rem; color: var(--text-mid); line-height: 1.75; }
.faq-item.open .faq-a { max-height: 400px; }

/* --- CTA SECTION --- */
.cta-section {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-mid) 100%);
  padding: 96px 0; text-align: center; position: relative; overflow: hidden;
}
.cta-section::before, .cta-section::after {
  content: ''; position: absolute; border-radius: 50%;
  background: rgba(67,116,187,.05); pointer-events: none;
}
.cta-section::before { width: 600px; height: 600px; top: -200px; left: -150px; }
.cta-section::after  { width: 500px; height: 500px; bottom: -200px; right: -100px; }
.cta-section .section-title { color: var(--white); }
.cta-sub { font-size: 1.05rem; color: rgba(255,255,255,.7); max-width: 520px; margin: 0 auto 40px; line-height: 1.7; }
.cta-actions { display: flex; justify-content: center; flex-wrap: wrap; gap: 14px; position: relative; z-index: 1; }
.cta-contact-row { display: flex; justify-content: center; flex-wrap: wrap; gap: 32px; margin-top: 40px; position: relative; z-index: 1; }
.cta-contact-item { display: flex; align-items: center; gap: 10px; font-size: .88rem; color: rgba(255,255,255,.7); }
.cta-contact-item a { color: var(--gold-light); font-weight: 600; transition: var(--transition); }
.cta-contact-item a:hover { color: var(--gold); }

/* --- CONTACT FORM --- */
.form-wrap { background: var(--white); border-radius: var(--radius-lg); padding: 48px 40px; box-shadow: var(--shadow-md); }
.form-title { font-family: 'Playfair Display', serif; font-size: 1.5rem; color: var(--navy-dark); margin-bottom: 6px; }
.form-sub { font-size: .86rem; color: var(--text-mid); margin-bottom: 30px; }
.form-group { margin-bottom: 18px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
label { display: block; font-size: .78rem; font-weight: 600; color: var(--navy); margin-bottom: 5px; letter-spacing: .04em; }
input, select, textarea {
  width: 100%; padding: 12px 15px; border: 1.5px solid var(--cream-dark);
  border-radius: var(--radius-sm); font-family: 'Inter', sans-serif; font-size: .88rem;
  color: var(--text-dark); background: var(--cream-light); transition: var(--transition); outline: none;
}
input:focus, select:focus, textarea:focus { border-color: var(--gold); background: var(--white); box-shadow: 0 0 0 3px rgba(67,116,187,.1); }
textarea { resize: vertical; min-height: 110px; }
.form-submit { width: 100%; padding: 15px; font-size: .97rem; margin-top: 6px; }
.form-note { font-size: .73rem; color: var(--text-light); text-align: center; margin-top: 10px; }
.form-success { display: none; text-align: center; padding: 40px 20px; }
.form-success-icon { font-size: 3rem; color: var(--gold); margin-bottom: 14px; }
.form-success h3 { font-family: 'Playfair Display', serif; color: var(--navy-dark); margin-bottom: 8px; }
.form-success p { color: var(--text-mid); font-size: .92rem; }

/* --- FOOTER --- */
footer { background: var(--navy-dark); color: rgba(255,255,255,.65); padding: 60px 0 28px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 44px; margin-bottom: 44px; }
.footer-brand-name { font-family: 'Playfair Display', serif; font-size: 1.25rem; color: var(--white); margin-bottom: 3px; }
.footer-brand-tag { font-size: .68rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--gold); margin-bottom: 14px; }
.footer-brand-desc { font-size: .83rem; line-height: 1.7; max-width: 260px; }
.footer-col h4 { font-size: .72rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--white); margin-bottom: 16px; }
.footer-links { display: flex; flex-direction: column; gap: 9px; }
.footer-links a { font-size: .83rem; color: rgba(255,255,255,.55); transition: var(--transition); }
.footer-links a:hover { color: var(--gold); }
.footer-divider { height: 1px; background: rgba(255,255,255,.08); margin-bottom: 24px; }
.footer-fsra { background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.08); border-radius: var(--radius-sm); padding: 14px 18px; font-size: .76rem; line-height: 1.6; margin-bottom: 24px; }
.footer-bottom { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; font-size: .78rem; }
.footer-legal { display: flex; gap: 20px; }
.footer-legal a { color: rgba(255,255,255,.45); transition: var(--transition); }
.footer-legal a:hover { color: var(--gold); }

/* --- SCROLL TOP --- */
#scrollTop {
  position: fixed; bottom: 28px; right: 28px;
  width: 42px; height: 42px; border-radius: 50%;
  background: var(--gold); border: none; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-md); opacity: 0; transform: translateY(16px);
  transition: var(--transition); z-index: 900;
}
#scrollTop.visible { opacity: 1; transform: translateY(0); }
#scrollTop svg { width: 18px; height: 18px; fill: var(--navy-dark); }

/* --- LENDERS ROW --- */
.lenders-row { display: flex; flex-wrap: wrap; justify-content: center; align-items: center; gap: 10px; }
.lender-chip { background: var(--white); border: 1px solid var(--cream-dark); border-radius: var(--radius-sm); padding: 9px 20px; font-size: .83rem; font-weight: 600; color: var(--navy); letter-spacing: .02em; transition: var(--transition); }
.lender-chip:hover { border-color: var(--gold); color: var(--gold-dark); }

/* --- TWO-COL GRIDS --- */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.two-col.gap-md { gap: 56px; }
.two-col.align-start { align-items: start; }

/* --- VISUAL BOXES (used for Manulife calculator preview etc.) --- */
.visual-box { background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.1); border-radius: var(--radius-lg); padding: 36px; }
.visual-box.light { background: var(--white); border: 1px solid var(--cream-dark); box-shadow: var(--shadow-md); }
.vb-label { font-size: .68rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--gold); margin-bottom: 20px; }
.vb-row { display: flex; justify-content: space-between; align-items: center; padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,.07); }
.vb-row:last-child { border-bottom: none; }
.vb-row.light-row { border-bottom-color: var(--cream-dark); }
.vb-row-label { font-size: .82rem; color: rgba(255,255,255,.6); }
.vb-row-label.dark-label { color: var(--text-mid); }
.vb-row-val { font-size: .9rem; font-weight: 600; color: var(--white); }
.vb-row-val.dark-val { color: var(--navy-dark); }
.vb-row-val.gold { color: var(--gold); }
.vb-summary { background: linear-gradient(135deg, rgba(67,116,187,.14), rgba(67,116,187,.05)); border: 1px solid rgba(67,116,187,.28); border-radius: var(--radius-md); padding: 20px 24px; text-align: center; margin-top: 16px; }
.vb-summary-label { font-size: .76rem; color: var(--gold-light); margin-bottom: 5px; }
.vb-summary-num { font-family: 'Playfair Display', serif; font-size: 1.9rem; color: var(--gold); }

/* --- BAR CHART --- */
.bar-row { display: flex; align-items: center; gap: 12px; margin-bottom: 14px; }
.bar-label { font-size: .78rem; color: var(--text-mid); width: 88px; flex-shrink: 0; text-align: right; }
.bar-track { flex: 1; height: 26px; background: var(--cream-dark); border-radius: 4px; overflow: hidden; }
.bar-fill { height: 100%; border-radius: 4px; display: flex; align-items: center; padding-left: 10px; font-size: .76rem; font-weight: 700; color: var(--white); transition: width 1.2s cubic-bezier(.4,0,.2,1); }
.bar-fill.navy { background: var(--navy); }
.bar-fill.gold { background: var(--gold); color: var(--navy-dark); }

/* --- BREADCRUMB --- */
.breadcrumb { display: flex; align-items: center; gap: 8px; font-size: .8rem; color: rgba(255,255,255,.55); margin-bottom: 20px; }
.breadcrumb a { color: rgba(255,255,255,.55); transition: var(--transition); }
.breadcrumb a:hover { color: var(--gold-light); }
.breadcrumb span { color: rgba(255,255,255,.35); }

/* --- LOCATION PAGE --- */
.loc-area-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 16px; }
.loc-card { background: var(--white); border: 1px solid var(--cream-dark); border-radius: var(--radius-md); padding: 24px 20px; text-align: center; transition: var(--transition); }
.loc-card:hover { border-color: var(--gold); box-shadow: var(--shadow-sm); transform: translateY(-3px); }
.loc-card a { font-weight: 600; color: var(--navy); font-size: .9rem; }

/* --- DARK SECTION OVERRIDES --- */
.section-dark { background: var(--navy-dark); }
.section-dark .section-title { color: var(--white); }
.section-dark .section-sub { color: rgba(255,255,255,.7); }
.section-dark .gold-rule { background: var(--gold); }
.section-navy { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%); }
.section-cream { background: var(--cream); }
.section-white { background: var(--white); }

/* --- HIGHLIGHT BOX --- */
.highlight-box {
  background: var(--cream); border-left: 4px solid var(--gold);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 18px 22px; margin: 24px 0; font-size: .9rem;
  color: var(--text-mid); line-height: 1.7;
}
.highlight-box strong { color: var(--navy-dark); }

/* --- NUMBER LIST --- */
.num-list { display: flex; flex-direction: column; gap: 22px; }
.num-row { display: flex; gap: 16px; align-items: flex-start; }
.num-circle {
  width: 34px; height: 34px; border-radius: 50%;
  background: rgba(67,116,187,.18); border: 1px solid rgba(67,116,187,.35);
  color: var(--gold); font-size: .78rem; font-weight: 700;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 2px;
}
.num-circle.navy { background: var(--navy); border-color: var(--navy); color: var(--gold); }
.num-text strong { display: block; color: var(--navy-dark); font-size: .93rem; margin-bottom: 3px; }
.num-text span { font-size: .85rem; color: var(--text-mid); line-height: 1.55; }
.num-text.light strong { color: var(--white); }
.num-text.light span { color: rgba(255,255,255,.6); }

/* === RESPONSIVE === */
@media (max-width: 1100px) {
  .two-col { grid-template-columns: 1fr; gap: 44px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .process-grid { grid-template-columns: repeat(2,1fr); gap: 36px; }
  .process-grid::before { display: none; }
}
@media (max-width: 1100px) {
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; }
}
@media (max-width: 768px) {
  section { padding: 60px 0; }
  .hero-actions { flex-direction: column; align-items: flex-start; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .form-row { grid-template-columns: 1fr; }
  .form-wrap { padding: 28px 20px; }
  .process-grid { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
  .hero-stats { gap: 22px; }
  .cta-contact-row { flex-direction: column; align-items: center; gap: 16px; }
}