:root {
  --black: #0a0a0a;
  --dark: #111111;
  --dark2: #161616;
  --white: #ffffff;
  --off-white: #f5f5f5;
  --near-white: #fafafa;
  --gold: #c9a84c;
  --gold-light: #e8d5a3;
  --gold-dark: #a07c30;
  --text-dark: #1a1a1a;
  --text-mid-dark: #444;
  --text-light: #aaa;
  --text-mid-light: #666;
  --border-dark: #1e1e1e;
  --border-light: #e5e5e5;
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'Montserrat', sans-serif; color: var(--white); overflow-x: hidden; }

/* ─── SECTION THEMES ──────────────────────────── */
.theme-dark  { background: var(--black); color: var(--white); }
.theme-dark2 { background: var(--dark); color: var(--white); }
.theme-light { background: var(--white); color: var(--text-dark); }
.theme-offwhite { background: var(--off-white); color: var(--text-dark); }

/* ─── NAV ─────────────────────────────────────── */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 200;
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 60px; height: 72px;
  background: rgba(10,10,10,0.97); backdrop-filter: blur(12px);
  border-bottom: 1px solid #1a1a1a;
}
.nav-logo { display: flex; flex-direction: column; gap: 1px; text-decoration: none; }
.nav-logo-top { font-family: 'Cormorant Garamond', serif; font-size: 22px; font-weight: 600; letter-spacing: 6px; color: var(--white); line-height: 1; }
.nav-logo-rule { display: flex; align-items: center; gap: 6px; }
.nav-logo-line { flex: 1; height: 1px; background: var(--gold); }
.nav-logo-sub { font-size: 7px; letter-spacing: 5px; color: var(--gold); text-transform: uppercase; font-weight: 500; }
.nav-links { display: flex; align-items: center; gap: 26px; list-style: none; }
.nav-links a { text-decoration: none; font-size: 10px; letter-spacing: 1.5px; text-transform: uppercase; color: var(--text-light); font-weight: 400; transition: color 0.2s; }
.nav-links a:hover { color: var(--gold); }
.nav-cta { border: 1px solid var(--gold) !important; color: var(--gold) !important; padding: 7px 18px; transition: all 0.2s !important; }
.nav-cta:hover { background: var(--gold) !important; color: var(--black) !important; }

/* ─── HERO ────────────────────────────────────── */
.hero {
  min-height: 100vh; display: flex; align-items: center;
  position: relative; overflow: hidden; padding: 140px 60px 100px;
  background: var(--black);
}
.hero-bg { position: absolute; inset: 0; background: linear-gradient(135deg, rgba(201,168,76,0.05) 0%, transparent 50%); }
.hero-grid {
  position: absolute; inset: 0;
  background-image: linear-gradient(rgba(201,168,76,0.04) 1px, transparent 1px), linear-gradient(90deg, rgba(201,168,76,0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  mask-image: linear-gradient(to bottom, transparent, black 20%, black 70%, transparent);
}
.hero-content { position: relative; max-width: 700px; }
.hero-eyebrow { display: flex; align-items: center; gap: 12px; margin-bottom: 28px; }
.hero-eyebrow-line { width: 40px; height: 1px; background: var(--gold); }
.hero-eyebrow-text { font-size: 10px; letter-spacing: 4px; color: var(--gold); text-transform: uppercase; font-weight: 500; }
.hero h1 { font-family: 'Cormorant Garamond', serif; font-size: clamp(54px, 7vw, 92px); font-weight: 300; line-height: 1.0; color: var(--white); margin-bottom: 28px; }
.hero h1 em { font-style: italic; color: var(--gold-light); }
.hero-desc { font-size: 14px; font-weight: 300; line-height: 1.9; color: var(--text-light); max-width: 500px; margin-bottom: 44px; }
.hero-actions { display: flex; align-items: center; gap: 20px; flex-wrap: wrap; }
.btn-primary { background: var(--gold); color: var(--black); border: none; padding: 14px 34px; font-family: 'Montserrat', sans-serif; font-size: 11px; font-weight: 600; letter-spacing: 2px; text-transform: uppercase; cursor: pointer; text-decoration: none; display: inline-block; transition: background 0.2s; }
.btn-primary:hover { background: var(--gold-light); }
.btn-ghost-dark { background: transparent; color: var(--white); border: 1px solid #333; padding: 14px 34px; font-family: 'Montserrat', sans-serif; font-size: 11px; font-weight: 400; letter-spacing: 2px; text-transform: uppercase; cursor: pointer; text-decoration: none; display: inline-block; transition: all 0.2s; }
.btn-ghost-dark:hover { border-color: var(--gold); color: var(--gold); }
.btn-ghost-light { background: transparent; color: var(--text-dark); border: 1px solid #ccc; padding: 14px 34px; font-family: 'Montserrat', sans-serif; font-size: 11px; font-weight: 400; letter-spacing: 2px; text-transform: uppercase; cursor: pointer; text-decoration: none; display: inline-block; transition: all 0.2s; }
.btn-ghost-light:hover { border-color: var(--gold); color: var(--gold-dark); }
.hero-ticker { position: absolute; bottom: 0; left: 0; right: 0; height: 44px; background: var(--dark2); border-top: 1px solid #1e1e1e; display: flex; align-items: center; overflow: hidden; }
.ticker-track { display: flex; gap: 60px; animation: ticker 35s linear infinite; white-space: nowrap; }
.ticker-item { font-size: 10px; letter-spacing: 3px; text-transform: uppercase; color: #555; font-weight: 400; }
.ticker-dot { color: var(--gold); margin-right: 60px; }
@keyframes ticker { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ─── STATS ───────────────────────────────────── */
.stats { background: var(--dark2); padding: 0; border-top: 1px solid #1e1e1e; border-bottom: 1px solid #1e1e1e; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: #1e1e1e; }
.stat-item { background: var(--dark2); padding: 48px 40px; position: relative; }
.stat-num { font-family: 'Cormorant Garamond', serif; font-size: 56px; font-weight: 300; color: var(--white); line-height: 1; margin-bottom: 6px; }
.stat-num span { color: var(--gold); }
.stat-label { font-size: 10px; letter-spacing: 2px; text-transform: uppercase; color: #555; font-weight: 400; line-height: 1.5; }
.stat-bar { position: absolute; bottom: 0; left: 0; width: 40px; height: 2px; background: var(--gold); }

/* ─── SHARED SECTION PADDING ──────────────────── */
.sec { padding: 100px 60px; }
.sec-sm { padding: 80px 60px; }

/* ─── EYEBROW / TITLE STYLES (DARK) ───────────── */
.eyebrow-dark { display: flex; align-items: center; gap: 12px; margin-bottom: 18px; }
.eyebrow-dark .line { width: 32px; height: 1px; background: var(--gold); }
.eyebrow-dark .text { font-size: 10px; letter-spacing: 4px; color: var(--gold); text-transform: uppercase; font-weight: 500; }
.title-dark { font-family: 'Cormorant Garamond', serif; font-size: clamp(34px, 4vw, 54px); font-weight: 300; line-height: 1.1; color: var(--white); margin-bottom: 14px; }
.title-dark em { font-style: italic; color: var(--gold-light); }
.sub-dark { font-size: 13px; font-weight: 300; color: var(--text-light); line-height: 1.8; max-width: 540px; }

/* ─── EYEBROW / TITLE STYLES (LIGHT) ─────────── */
.eyebrow-light { display: flex; align-items: center; gap: 12px; margin-bottom: 18px; }
.eyebrow-light .line { width: 32px; height: 1px; background: var(--gold-dark); }
.eyebrow-light .text { font-size: 10px; letter-spacing: 4px; color: var(--gold-dark); text-transform: uppercase; font-weight: 500; }
.title-light { font-family: 'Cormorant Garamond', serif; font-size: clamp(34px, 4vw, 54px); font-weight: 300; line-height: 1.1; color: var(--text-dark); margin-bottom: 14px; }
.title-light em { font-style: italic; color: var(--gold-dark); }
.sub-light { font-size: 13px; font-weight: 300; color: var(--text-mid-dark); line-height: 1.8; max-width: 540px; }

/* ─── ABOUT ───────────────────────────────────── */
.about { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.about-visual { position: relative; height: 440px; }
.about-box-outer { position: absolute; inset: 0; border: 1px solid #1e1e1e; }
.about-box-inner { position: absolute; top: 24px; left: 24px; right: -24px; bottom: -24px; border: 1px solid #2a2a2a; background: var(--dark2); display: flex; flex-direction: column; justify-content: center; align-items: center; gap: 20px; padding: 48px; }
.about-logo-large { font-family: 'Cormorant Garamond', serif; font-size: 52px; font-weight: 600; letter-spacing: 10px; color: var(--white); }
.about-logo-rule { display: flex; align-items: center; gap: 10px; width: 100%; }
.about-logo-rule-line { flex: 1; height: 1px; background: var(--gold); }
.about-logo-rule-text { font-size: 11px; letter-spacing: 8px; color: var(--gold); text-transform: uppercase; }
.about-tagline { font-family: 'Cormorant Garamond', serif; font-size: 17px; font-style: italic; font-weight: 300; color: var(--text-light); text-align: center; line-height: 1.6; }
.ac { position: absolute; width: 20px; height: 20px; }
.ac-tl { top: -1px; left: -1px; border-top: 2px solid var(--gold); border-left: 2px solid var(--gold); }
.ac-br { bottom: -25px; right: -25px; border-bottom: 2px solid var(--gold); border-right: 2px solid var(--gold); }
.about-text p { font-size: 14px; font-weight: 300; color: var(--text-light); line-height: 1.9; margin-bottom: 14px; }
.value-list { display: flex; flex-direction: column; gap: 12px; margin-top: 28px; }
.value-item { display: flex; align-items: center; gap: 14px; font-size: 12px; color: #ccc; font-weight: 300; }
.value-dot { width: 6px; height: 6px; background: var(--gold); transform: rotate(45deg); flex-shrink: 0; }

/* ─── SERVICES OVERVIEW ───────────────────────── */
.srv-header { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: end; margin-bottom: 60px; }
.srv-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--border-dark); }
.srv-card { background: var(--dark); padding: 40px 32px 48px; position: relative; transition: background 0.3s, border-color 0.3s, box-shadow 0.3s; border: 1px solid transparent; }
.srv-card:hover { background: rgba(201,168,76,0.07); border-color: rgba(201,168,76,0.25); box-shadow: inset 0 0 40px rgba(201,168,76,0.04); }
.srv-card:hover .srv-bar { width: 100%; }
.srv-card:hover h3 { color: var(--gold-light); }
.srv-card:hover .srv-num { color: rgba(201,168,76,0.15); }
.srv-card:hover .srv-icon { border-color: var(--gold-light); }
.srv-num { font-family: 'Cormorant Garamond', serif; font-size: 44px; font-weight: 300; color: #1e1e1e; line-height: 1; margin-bottom: 16px; }
.srv-icon { width: 34px; height: 34px; border: 1px solid var(--gold); display: flex; align-items: center; justify-content: center; margin-bottom: 18px; }
.srv-icon svg { width: 15px; height: 15px; stroke: var(--gold); fill: none; stroke-width: 1.5; }
.srv-card h3 { font-family: 'Cormorant Garamond', serif; font-size: 24px; font-weight: 400; color: var(--white); margin-bottom: 10px; }
.srv-card p { font-size: 12px; font-weight: 300; color: #555; line-height: 1.8; }
.srv-bar { position: absolute; bottom: 0; left: 0; width: 0; height: 2px; background: var(--gold); transition: width 0.4s; }

/* ─── LIFE INSURANCE PRODUCTS (LIGHT) ─────────── */
.life-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 56px; }
.life-card { background: var(--white); border: 1px solid var(--border-light); border-left: 3px solid transparent; padding: 40px 32px; position: relative; transition: border-color 0.3s, background 0.3s, box-shadow 0.3s; }
.life-card:hover { background: #fffdf5; border-color: var(--border-light); border-left-color: var(--gold); box-shadow: 4px 0 0 0 rgba(201,168,76,0.08), 0 4px 24px rgba(201,168,76,0.08); }
.life-card:hover .life-bar { width: 100%; }
.life-card:hover h3 { color: var(--gold-dark); }
.life-card:hover .life-card-tag { color: var(--gold); }
.life-card:hover .life-bullets li::before { color: var(--gold); }
.life-card-tag { font-size: 9px; letter-spacing: 3px; text-transform: uppercase; color: var(--gold-dark); font-weight: 500; margin-bottom: 14px; }
.life-card h3 { font-family: 'Cormorant Garamond', serif; font-size: 30px; font-weight: 400; color: var(--text-dark); margin-bottom: 12px; }
.life-card .tagline { font-size: 12px; font-style: italic; color: var(--text-mid-dark); margin-bottom: 20px; font-weight: 300; }
.life-card p { font-size: 12px; font-weight: 300; color: var(--text-mid-dark); line-height: 1.8; margin-bottom: 20px; }
.life-bullets { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.life-bullets li { font-size: 11px; color: #666; display: flex; align-items: flex-start; gap: 10px; line-height: 1.5; }
.life-bullets li::before { content: '◆'; color: var(--gold-dark); font-size: 6px; margin-top: 4px; flex-shrink: 0; }
.life-bar { position: absolute; bottom: 0; left: 0; width: 0; height: 2px; background: var(--gold); transition: width 0.4s; }
.life-header-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: end; }
.life-cta { margin-top: 48px; text-align: center; padding: 48px; background: var(--off-white); border: 1px solid var(--border-light); }
.life-cta p { font-size: 14px; font-weight: 300; color: var(--text-mid-dark); margin-bottom: 20px; max-width: 500px; margin-left: auto; margin-right: auto; }

/* ─── RETIREMENT SERVICES (DARK) ──────────────── */
.ret-header { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: end; margin-bottom: 60px; }
.ret-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--border-dark); margin-bottom: 1px; }
.ret-card { background: var(--dark); padding: 36px 30px; position: relative; transition: background 0.2s; }
.ret-card:hover { background: var(--dark2); }
.ret-card:hover .ret-bar { width: 100%; }
.ret-card-num { font-size: 10px; letter-spacing: 3px; color: var(--gold); text-transform: uppercase; margin-bottom: 14px; }
.ret-card h3 { font-family: 'Cormorant Garamond', serif; font-size: 24px; font-weight: 400; color: var(--white); margin-bottom: 10px; line-height: 1.2; }
.ret-card p { font-size: 12px; font-weight: 300; color: #555; line-height: 1.8; margin-bottom: 14px; }
.ret-bullets { list-style: none; display: flex; flex-direction: column; gap: 6px; }
.ret-bullets li { font-size: 11px; color: #444; display: flex; align-items: flex-start; gap: 8px; line-height: 1.5; }
.ret-bullets li::before { content: '◆'; color: var(--gold); font-size: 5px; margin-top: 4px; flex-shrink: 0; }
.ret-bar { position: absolute; bottom: 0; left: 0; width: 0; height: 2px; background: var(--gold); transition: width 0.4s; }
.ret-bottom { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; background: var(--border-dark); }
.ret-bottom-card { background: var(--dark); padding: 36px 30px; position: relative; transition: background 0.2s; }
.ret-bottom-card:hover { background: var(--dark2); }
.ret-bottom-card:hover .ret-bar { width: 100%; }

/* ─── IUL PROFESSIONAL (LIGHT) ────────────────── */
.iul-hero { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; margin-bottom: 72px; }
.iul-visual { background: var(--black); padding: 60px 48px; position: relative; }
.iul-visual::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, transparent, var(--gold), transparent); }
.iul-visual-title { font-family: 'Cormorant Garamond', serif; font-size: 52px; font-weight: 300; color: var(--white); line-height: 1.1; margin-bottom: 6px; }
.iul-visual-title em { font-style: italic; color: var(--gold-light); }
.iul-visual-sub { font-size: 10px; letter-spacing: 4px; color: var(--gold); text-transform: uppercase; margin-bottom: 32px; }
.iul-stat-row { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 1px; background: #1a1a1a; margin-top: 32px; }
.iul-stat { background: var(--dark2); padding: 24px 20px; }
.iul-stat-val { font-family: 'Cormorant Garamond', serif; font-size: 32px; font-weight: 300; color: var(--white); }
.iul-stat-val span { color: var(--gold); }
.iul-stat-lbl { font-size: 9px; letter-spacing: 2px; text-transform: uppercase; color: #555; margin-top: 4px; }
.iul-features-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: var(--border-light); margin-bottom: 48px; }
.iul-feature { background: var(--white); padding: 36px 28px; border: 1px solid var(--border-light); transition: background 0.2s; }
.iul-feature:hover { background: var(--off-white); }
.iul-feature-icon { width: 40px; height: 40px; border: 1px solid #ddd; display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.iul-feature-icon svg { width: 18px; height: 18px; stroke: var(--gold-dark); fill: none; stroke-width: 1.5; }
.iul-feature h4 { font-size: 13px; font-weight: 600; color: var(--text-dark); margin-bottom: 8px; letter-spacing: 0.5px; }
.iul-feature p { font-size: 12px; color: var(--text-mid-dark); line-height: 1.7; font-weight: 300; }
.iul-how { background: var(--off-white); padding: 48px; border: 1px solid var(--border-light); }
.iul-how-title { font-family: 'Cormorant Garamond', serif; font-size: 30px; font-weight: 400; color: var(--text-dark); margin-bottom: 28px; }
.iul-steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.iul-step { display: flex; flex-direction: column; gap: 10px; }
.iul-step-num { font-family: 'Cormorant Garamond', serif; font-size: 36px; font-weight: 300; color: var(--gold-dark); line-height: 1; }
.iul-step h4 { font-size: 12px; font-weight: 600; color: var(--text-dark); letter-spacing: 0.5px; }
.iul-step p { font-size: 11px; color: var(--text-mid-dark); line-height: 1.6; font-weight: 300; }

/* ─── BUSINESS LIFE INSURANCE (DARK) ──────────── */
.biz-header { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: end; margin-bottom: 60px; }
.biz-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; background: var(--border-dark); }
.biz-card { background: var(--white); border: 1px solid var(--border-light); border-left: 3px solid transparent; padding: 48px 44px; position: relative; transition: border-color 0.3s, background 0.3s, box-shadow 0.3s; }
.biz-card:hover { background: #fffdf5; border-color: var(--border-light); border-left-color: var(--gold); box-shadow: 4px 0 0 0 rgba(201,168,76,0.08), 0 4px 24px rgba(201,168,76,0.08); }
.biz-card:hover .biz-bar { width: 100%; }
.biz-card:hover h3 { color: var(--gold-dark); }
.biz-card:hover .biz-card-num { color: var(--gold); }
.biz-card:hover .biz-bullets li::before { color: var(--gold-dark); }
.biz-card-num { font-family: 'Cormorant Garamond', serif; font-size: 11px; color: var(--gold-dark); letter-spacing: 3px; text-transform: uppercase; margin-bottom: 18px; transition: color 0.3s; }
.biz-card h3 { font-family: 'Cormorant Garamond', serif; font-size: 30px; font-weight: 400; color: var(--text-dark); margin-bottom: 12px; line-height: 1.2; transition: color 0.3s; }
.biz-card .sub { font-size: 11px; font-style: italic; color: var(--text-mid-dark); margin-bottom: 16px; letter-spacing: 0.3px; }
.biz-card p { font-size: 13px; font-weight: 300; color: var(--text-mid-dark); line-height: 1.8; margin-bottom: 20px; }
.biz-bullets { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.biz-bullets li { font-size: 11px; color: #666; display: flex; align-items: flex-start; gap: 10px; line-height: 1.5; }
.biz-bullets li strong { color: var(--text-mid-dark); font-weight: 600; }
.biz-bullets li::before { content: '◆'; color: var(--gold-dark); font-size: 5px; margin-top: 4px; flex-shrink: 0; transition: color 0.3s; }
.biz-bar { position: absolute; bottom: 0; left: 0; width: 0; height: 2px; background: var(--gold); transition: width 0.4s; }
.biz-cta { margin-top: 1px; background: var(--dark2); border: 1px solid #1e1e1e; padding: 48px 44px; display: flex; justify-content: space-between; align-items: center; gap: 40px; position: relative; }
.biz-cta::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 1px; background: linear-gradient(90deg, transparent, var(--gold) 30%, var(--gold) 70%, transparent); }
.biz-cta p { font-size: 14px; font-weight: 300; color: var(--text-light); line-height: 1.8; max-width: 600px; }

/* ─── WHY US (LIGHT) ──────────────────────────── */
.why { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.why-list { display: flex; flex-direction: column; margin-top: 36px; }
.why-item { display: flex; gap: 24px; padding: 26px 0; border-bottom: 1px solid var(--border-light); align-items: flex-start; }
.why-item:first-child { border-top: 1px solid var(--border-light); }
.why-num { font-family: 'Cormorant Garamond', serif; font-size: 13px; color: var(--gold-dark); font-weight: 400; letter-spacing: 1px; margin-top: 2px; flex-shrink: 0; }
.why-content h4 { font-size: 12px; font-weight: 600; letter-spacing: 1.5px; color: var(--text-dark); margin-bottom: 5px; text-transform: uppercase; }
.why-content p { font-size: 12px; font-weight: 300; color: var(--text-mid-dark); line-height: 1.7; }
.why-visual { display: flex; flex-direction: column; gap: 1px; }
.why-card { background: var(--off-white); border: 1px solid var(--border-light); padding: 32px; }
.why-card-label { font-size: 9px; letter-spacing: 3px; text-transform: uppercase; color: var(--gold-dark); margin-bottom: 8px; }
.why-card-value { font-family: 'Cormorant Garamond', serif; font-size: 38px; font-weight: 300; color: var(--text-dark); }
.why-card-desc { font-size: 11px; color: var(--text-mid-dark); margin-top: 4px; }

/* ─── MEET THE TEAM (DARK) ────────────────────── */
.team-header-wrap { text-align: center; margin-bottom: 64px; }
.team-header-wrap .eyebrow-dark { justify-content: center; }
.team-grid { display: flex; flex-direction: column; gap: 1px; background: var(--border-dark); }
.team-member { background: var(--dark); display: grid; grid-template-columns: 360px 1fr; transition: background 0.2s; }
.team-member:nth-child(even) { grid-template-columns: 1fr 360px; }
.team-member:nth-child(even) .mp-wrap { order: 2; }
.team-member:nth-child(even) .mi { order: 1; }
.mp-wrap { position: relative; overflow: hidden; min-height: 400px; background: var(--dark2); }
.member-photo { width: 100%; height: 100%; object-fit: cover; object-position: top center; display: block; filter: grayscale(15%) brightness(0.85); transition: filter 0.4s; }
.team-member:hover .member-photo { filter: grayscale(0%) brightness(0.9); }
.mp-placeholder { width: 100%; height: 100%; min-height: 400px; background: linear-gradient(135deg, #181818, #222); display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 10px; }
.mp-initials { font-family: 'Cormorant Garamond', serif; font-size: 60px; font-weight: 300; color: #2a2a2a; letter-spacing: 4px; }
.mp-label { font-size: 9px; letter-spacing: 3px; text-transform: uppercase; color: #2a2a2a; }
.mi { padding: 52px 56px; display: flex; flex-direction: column; justify-content: center; }
.member-name { font-family: 'Cormorant Garamond', serif; font-size: 38px; font-weight: 600; letter-spacing: 3px; color: var(--white); text-transform: uppercase; line-height: 1; margin-bottom: 6px; }
.member-title { font-size: 10px; font-weight: 500; letter-spacing: 2px; color: var(--gold); text-transform: uppercase; margin-bottom: 20px; line-height: 1.6; }
.member-rule { display: flex; align-items: center; gap: 10px; margin-bottom: 20px; }
.member-rule-line { flex: 1; height: 1px; background: #1e1e1e; }
.member-rule-dot { width: 5px; height: 5px; background: var(--gold); transform: rotate(45deg); flex-shrink: 0; }
.member-bio { font-size: 13px; font-weight: 300; color: var(--text-light); line-height: 1.9; }
.member-bio p { margin-bottom: 12px; }
.member-bio p:last-child { margin-bottom: 0; }
.member-btn { display: inline-block; margin-top: 24px; padding: 10px 26px; border: 1px solid #2a2a2a; color: var(--gold); text-decoration: none; font-size: 10px; letter-spacing: 2px; text-transform: uppercase; transition: all 0.2s; width: fit-content; }
.member-btn:hover { border-color: var(--gold); background: rgba(201,168,76,0.06); }

/* ─── JOIN THE TEAM (LIGHT) ───────────────────── */
.join-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.join-text p { font-size: 14px; font-weight: 300; color: var(--text-mid-dark); line-height: 1.9; margin: 20px 0 36px; }
.join-perks { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; background: var(--border-light); }
.perk { background: var(--white); padding: 28px 24px; border: 1px solid var(--border-light); transition: border-color 0.25s, background 0.25s; }
.perk:hover { border-color: var(--gold) !important; background: rgba(201,168,76,0.06) !important; }
.perk:hover .perk-icon { border-color: var(--gold) !important; }
.perk:hover .perk-icon svg { stroke: var(--gold) !important; }
.perk-icon { width: 30px; height: 30px; border: 1px solid #ddd; display: flex; align-items: center; justify-content: center; margin-bottom: 12px; transition: border-color 0.25s; }
.perk-icon svg { width: 13px; height: 13px; stroke: var(--gold-dark); fill: none; stroke-width: 1.5; transition: stroke 0.25s; }
.perk h4 { font-size: 11px; font-weight: 600; letter-spacing: 1.5px; text-transform: uppercase; color: var(--text-dark); margin-bottom: 6px; }
.perk p { font-size: 11px; font-weight: 300; color: var(--text-mid-dark); line-height: 1.6; }
.join-form-wrap { background: var(--black); padding: 48px 40px; position: relative; }
.join-form-wrap::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 2px; background: linear-gradient(90deg, transparent, var(--gold), transparent); }
.join-form-title { font-family: 'Cormorant Garamond', serif; font-size: 28px; font-weight: 400; color: var(--white); margin-bottom: 6px; }
.join-form-sub { font-size: 11px; color: #555; margin-bottom: 28px; }
.form-field { margin-bottom: 13px; }
.form-field label { display: block; font-size: 9px; letter-spacing: 3px; text-transform: uppercase; color: #555; margin-bottom: 7px; }
.form-field input, .form-field select, .form-field textarea { width: 100%; background: #111; border: 1px solid #222; color: var(--white); padding: 11px 14px; font-family: 'Montserrat', sans-serif; font-size: 12px; font-weight: 300; outline: none; transition: border-color 0.2s; -webkit-appearance: none; }
.form-field input:focus, .form-field select:focus, .form-field textarea:focus { border-color: var(--gold); }
.form-field textarea { resize: none; height: 78px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.form-submit { width: 100%; background: var(--gold); color: var(--black); border: none; padding: 14px; font-family: 'Montserrat', sans-serif; font-size: 11px; font-weight: 600; letter-spacing: 2px; text-transform: uppercase; cursor: pointer; margin-top: 6px; transition: background 0.2s; }
.form-submit:hover { background: var(--gold-light); }

/* ─── INSIGHTS (DARK) ─────────────────────────── */
.insights-header { display: flex; justify-content: space-between; align-items: flex-end; margin-bottom: 52px; }
.insights-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 1px; background: var(--border-dark); }
.insight-card { background: var(--dark); padding: 40px 36px; display: flex; flex-direction: column; justify-content: space-between; min-height: 300px; transition: background 0.2s; }
.insight-card:hover { background: #141414; }
.insight-card.feat { background: var(--dark2); min-height: 360px; }
.insight-tag { font-size: 9px; letter-spacing: 3px; text-transform: uppercase; color: var(--gold); margin-bottom: 14px; display: block; }
.insight-card h3 { font-family: 'Cormorant Garamond', serif; font-size: 22px; font-weight: 400; color: var(--white); line-height: 1.2; margin-bottom: 10px; }
.insight-card.feat h3 { font-size: 30px; }
.insight-card p { font-size: 12px; color: #555; line-height: 1.7; font-weight: 300; flex: 1; margin-bottom: 20px; }
.insight-arrow { font-size: 10px; letter-spacing: 2px; color: var(--gold); text-transform: uppercase; text-decoration: none; display: flex; align-items: center; gap: 8px; }
.insight-arrow::after { content: '→'; }

/* ─── LOCATION (LIGHT) ────────────────────────── */
.location-header { text-align: center; margin-bottom: 52px; }
.location-header .eyebrow-light { justify-content: center; }
.location-photos { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; background: var(--border-light); margin-bottom: 0; }
.loc-photo-wrap { height: 300px; overflow: hidden; background: #e8e8e8; display: flex; align-items: center; justify-content: center; }
.loc-photo { width: 100%; height: 100%; object-fit: cover; }
.loc-placeholder { font-size: 10px; letter-spacing: 3px; color: #bbb; text-transform: uppercase; }
.loc-map { width: 100%; height: 380px; border: none; display: block; filter: grayscale(30%); }
.loc-bar { background: var(--black); padding: 28px 60px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 20px; position: relative; }
.loc-bar::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 2px; background: linear-gradient(90deg, transparent, var(--gold) 30%, var(--gold) 70%, transparent); }
.loc-label { font-size: 9px; letter-spacing: 3px; text-transform: uppercase; color: var(--gold); margin-bottom: 4px; }
.loc-val { font-size: 13px; font-weight: 300; color: var(--white); letter-spacing: 0.5px; }
.loc-web { font-size: 12px; letter-spacing: 3px; color: var(--gold); }

/* ─── CONTACT (DARK) ──────────────────────────── */
.contact { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.contact-info { display: flex; flex-direction: column; gap: 26px; margin-top: 36px; }
.ci-label { font-size: 9px; letter-spacing: 3px; text-transform: uppercase; color: var(--gold); margin-bottom: 4px; }
.ci-val { font-size: 14px; font-weight: 300; color: var(--white); line-height: 1.6; }
.contact-form-title { font-family: 'Cormorant Garamond', serif; font-size: 26px; font-weight: 400; color: var(--white); margin-bottom: 4px; }
.contact-form-sub { font-size: 11px; color: #555; margin-bottom: 20px; }

/* ─── FOOTER ──────────────────────────────────── */
footer { background: var(--black); border-top: 2px solid transparent; border-image: linear-gradient(90deg, transparent, var(--gold), transparent) 1; padding: 48px 60px 32px; }
.footer-top { display: flex; justify-content: space-between; align-items: flex-start; padding-bottom: 36px; border-bottom: 1px solid #1a1a1a; margin-bottom: 24px; }
.footer-brand-top { font-family: 'Cormorant Garamond', serif; font-size: 26px; font-weight: 600; letter-spacing: 6px; color: var(--white); }
.footer-rule { display: flex; align-items: center; gap: 8px; margin: 4px 0; }
.footer-rule-line { flex: 1; height: 1px; background: var(--gold); max-width: 36px; }
.footer-rule-sub { font-size: 8px; letter-spacing: 5px; color: var(--gold); text-transform: uppercase; }
.footer-tagline { font-size: 11px; color: #444; margin-top: 10px; font-weight: 300; }
.footer-links { display: flex; gap: 24px; flex-wrap: wrap; }
.footer-links a { font-size: 10px; letter-spacing: 1.5px; text-transform: uppercase; color: #444; text-decoration: none; transition: color 0.2s; }
.footer-links a:hover { color: var(--gold); }
.footer-bottom { display: flex; justify-content: space-between; align-items: center; }
.footer-copy { font-size: 10px; color: #333; }
.footer-web { font-size: 10px; letter-spacing: 2px; color: var(--gold); }

/* ─── SECTION DIVIDER ─────────────────────────── */
.gold-rule { height: 1px; background: linear-gradient(90deg, transparent, var(--gold) 20%, var(--gold) 80%, transparent); }

/* ─── HERO SKYLINE ────────────────────────────── */
.hero-skyline {
  position: absolute;
  bottom: 44px;
  left: 0; right: 0;
  height: 72%;
  pointer-events: none;
  overflow: hidden;
  z-index: 0;
}
.hero-skyline svg {
  width: 110%;
  height: 100%;
  margin-left: -5%;
  animation: skylineDrift 90s ease-in-out infinite;
}
@keyframes skylineDrift {
  0%, 100% { transform: translateX(0); }
  50%       { transform: translateX(-4%); }
}
/* Individual lit windows — animated glow */
.win-flicker { animation: winFlicker 6s ease-in-out infinite; }
.win-flicker:nth-child(2n)   { animation-duration: 8s;  animation-delay: -2s; }
.win-flicker:nth-child(3n)   { animation-duration: 5s;  animation-delay: -4s; }
.win-flicker:nth-child(4n)   { animation-duration: 9s;  animation-delay: -1s; }
.win-flicker:nth-child(5n)   { animation-duration: 7s;  animation-delay: -3s; }
.win-flicker:nth-child(6n)   { animation-duration: 11s; animation-delay: -5s; }
.win-flicker:nth-child(7n)   { animation-duration: 4s;  animation-delay: -6s; }
@keyframes winFlicker {
  0%, 100% { opacity: 0.7; }
  40%      { opacity: 0.15; }
  60%      { opacity: 0.5; }
}
/* Gold base glow */
.skyline-base-glow {
  position: absolute;
  bottom: 44px; left: 0; right: 0;
  height: 120px;
  background: linear-gradient(to top, rgba(201,168,76,0.06), transparent);
  pointer-events: none;
  z-index: 0;
}
@media (max-width: 900px) {
  .hero-skyline { height: 55%; bottom: 44px; }
  .hero-skyline svg { width: 200%; margin-left: -10%; }
}

/* ─── HAMBURGER NAV ───────────────────────────── */
.nav-hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 4px; background: none; border: none; }
.nav-hamburger span { display: block; width: 24px; height: 1px; background: var(--white); transition: all 0.3s; }
.nav-hamburger.open span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.nav-hamburger.open span:nth-child(2) { opacity: 0; }
.nav-hamburger.open span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }
.mobile-menu { display: none; position: fixed; top: 72px; left: 0; right: 0; bottom: 0; background: rgba(10,10,10,0.98); z-index: 199; flex-direction: column; align-items: center; justify-content: center; gap: 32px; overflow-y: auto; -webkit-overflow-scrolling: touch; }
.mobile-menu.open { display: flex; }
.mobile-menu a { font-size: 13px; letter-spacing: 3px; text-transform: uppercase; color: var(--text-light); text-decoration: none; transition: color 0.2s; }
.mobile-menu a:hover { color: var(--gold); }
.mobile-menu .nav-cta { border: 1px solid var(--gold) !important; color: var(--gold) !important; padding: 12px 28px; }

/* ═══════════════════════════════════════════════
   MOBILE RESPONSIVE — max 768px
═══════════════════════════════════════════════ */
@media (max-width: 900px) {

  /* NAV */
  nav { padding: 0 20px; }
  .nav-links { display: none; }
  .nav-hamburger { display: flex; }

  /* HERO */
  .hero { padding: 110px 24px 80px; min-height: auto; }
  .hero h1 { font-size: clamp(40px, 11vw, 64px); }
  .hero-desc { font-size: 13px; margin-bottom: 32px; }
  .hero-actions { flex-direction: column; align-items: flex-start; gap: 12px; }
  .btn-primary, .btn-ghost-dark { width: 100%; text-align: center; }

  /* STATS */
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .stat-item { padding: 32px 24px; }
  .stat-num { font-size: 40px; }

  /* SECTION PADDING */
  .sec { padding: 64px 24px; }
  .sec-sm { padding: 48px 24px; }

  /* ABOUT */
  .about { grid-template-columns: 1fr; gap: 40px; }
  .about-visual { height: 280px; }
  .about-box-inner { top: 16px; left: 16px; right: -16px; bottom: -16px; padding: 32px; }
  .about-logo-large { font-size: 36px; }

  /* SERVICES */
  .srv-header { grid-template-columns: 1fr; gap: 20px; margin-bottom: 32px; }
  .srv-cards { grid-template-columns: 1fr; }
  .srv-card { padding: 32px 24px; }

  /* LIFE INSURANCE */
  .life-header-grid { grid-template-columns: 1fr; gap: 20px; }
  .life-grid { grid-template-columns: 1fr; gap: 16px; margin-top: 36px; }
  .life-cta { padding: 32px 24px; }

  /* RETIREMENT SERVICES */
  .ret-header { grid-template-columns: 1fr; gap: 20px; margin-bottom: 36px; }
  .ret-grid { grid-template-columns: 1fr; }
  .ret-bottom { grid-template-columns: 1fr; }

  /* IUL */
  .iul-hero { grid-template-columns: 1fr; gap: 40px; margin-bottom: 40px; }
  .iul-visual { padding: 40px 28px; }
  .iul-visual-title { font-size: 38px; }
  .iul-stat-row { grid-template-columns: 1fr 1fr 1fr; }
  .iul-features-grid { grid-template-columns: 1fr 1fr; }
  .iul-steps { grid-template-columns: 1fr 1fr; gap: 20px; }
  .iul-how { padding: 32px 24px; }

  /* BUSINESS */
  .biz-header { grid-template-columns: 1fr; gap: 20px; margin-bottom: 36px; }
  .biz-grid { grid-template-columns: 1fr; }
  .biz-card { padding: 36px 28px; }
  .biz-cta { flex-direction: column; gap: 20px; padding: 36px 28px; }

  /* WHY US */
  .why { grid-template-columns: 1fr; gap: 40px; }
  .why-visual { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; }

  /* TEAM */
  .team-member { grid-template-columns: 1fr !important; }
  .team-member:nth-child(even) .mp-wrap { order: 1; }
  .team-member:nth-child(even) .mi { order: 2; }
  .mp-wrap { min-height: 300px; }
  .mi { padding: 36px 24px; }
  .member-name { font-size: 28px; letter-spacing: 2px; }

  /* JOIN THE TEAM */
  .join-grid { grid-template-columns: 1fr; gap: 40px; }
  .join-perks { grid-template-columns: 1fr 1fr; }
  .join-form-wrap { padding: 36px 24px; }

  /* FORM ROW */
  .form-row { grid-template-columns: 1fr; }

  /* CALCULATORS */
  .calc-grid { grid-template-columns: 1fr !important; }
  .calc-grid > div { padding: 40px 24px !important; }

  /* INSIGHTS */
  .insights-header { flex-direction: column; align-items: flex-start; gap: 20px; }
  .insights-grid,
  .insights-cards-grid { grid-template-columns: 1fr !important; }

  /* LOCATION */
  .building-photos-grid { grid-template-columns: 1fr !important; }
  iframe[src*="google.com/maps"] { height: 260px !important; }

  /* CONTACT */
  .contact { grid-template-columns: 1fr; gap: 40px; }

  /* FOOTER */
  footer { padding: 40px 24px 28px; }
  .footer-top { flex-direction: column; gap: 28px; }
  .footer-links { gap: 16px; }
  .footer-bottom { flex-direction: column; gap: 10px; text-align: center; }

  /* BUTTONS */
  .btn-ghost-light { width: 100%; text-align: center; }

  /* HIDE SKYLINE ON MOBILE */
  .hero-skyline, .skyline-base-glow { display: none !important; }

  /* INLINE GRID OVERRIDES — all inline-styled grids collapse to 1 col */
  .mob-stack { display: flex !important; flex-direction: column !important; background: none !important; gap: 0 !important; }
  .mob-stack > * { width: 100% !important; }
  .mob-header { gap: 20px !important; margin-bottom: 32px !important; }

  /* Location info bar */
  .loc-info-bar { padding: 24px !important; flex-direction: column !important; align-items: flex-start !important; gap: 16px !important; }

  /* HEADSHOTS — override inline min-height */
  .headshot-wrap { min-height: 260px !important; max-height: 300px !important; }
  .headshot-img { min-height: 260px !important; max-height: 300px !important; }
  .team-bio-pad { padding: 28px 24px !important; }
  .team-card-inline { border-left: none !important; border-right: none !important; border-bottom: 1px solid var(--border-light) !important; }

  /* Reset grid-column placements when stacked on mobile */
  .mob-stack > * { grid-column: auto !important; grid-row: auto !important; }
}

@media (max-width: 480px) {
  .stats-grid { grid-template-columns: 1fr; }
  .iul-features-grid { grid-template-columns: 1fr; }
  .iul-steps { grid-template-columns: 1fr; }
  .why-visual { grid-template-columns: 1fr; }
  .join-perks { grid-template-columns: 1fr; }
}

/* ═══════════════════════════════════════════════
   TABLET & LANDSCAPE PHONE — 901px to 1200px
═══════════════════════════════════════════════ */
@media (min-width: 901px) and (max-width: 1200px) {
  /* Section padding */
  .sec { padding: 80px 40px; }
  .sec-sm { padding: 60px 40px; }
  nav { padding: 0 40px; }
  .hero { padding: 120px 40px 90px; }

  /* 3-col → 2-col */
  .srv-cards { grid-template-columns: 1fr 1fr; }
  .life-grid { grid-template-columns: 1fr 1fr; gap: 16px; }
  .ret-grid { grid-template-columns: 1fr 1fr; }

  /* 4-col → 2-col */
  .iul-features-grid { grid-template-columns: 1fr 1fr; }
  .iul-steps { grid-template-columns: 1fr 1fr; gap: 20px; }

  /* Stats 4 → 4 is fine but reduce padding */
  .stat-item { padding: 36px 28px; }

  /* mob-stack grids: restore 2-col on tablet */
  .mob-stack { display: grid !important; grid-template-columns: 1fr 1fr !important; flex-direction: unset !important; gap: 1px !important; }
  .mob-header { gap: 40px !important; margin-bottom: 48px !important; }
}

/* ═══════════════════════════════════════════════
   LANDSCAPE PHONES & SMALL TABLETS (all devices
   ≤ 1024px wide when held in landscape)
   Covers iPhone SE → iPhone Pro Max, most Android
   phones, and small tablets rotated sideways.
═══════════════════════════════════════════════ */
@media (orientation: landscape) and (max-width: 1024px) {

  /* ── Skyline: hidden on all mobile landscape ── */
  .hero-skyline, .skyline-base-glow { display: none !important; }

  /* ── Nav: compact bar, always show hamburger ── */
  nav { height: 60px; padding: 0 24px; }
  .nav-links { display: none; }
  .nav-hamburger { display: flex; }

  /* ── Mobile overlay menu: scrollable, compact ── */
  .mobile-menu {
    top: 60px;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
    padding: 16px 0;
    gap: 18px;
  }
  .mobile-menu a { font-size: 12px; letter-spacing: 2.5px; }

  /* ── Hero: no forced full-height, compact padding ── */
  .hero { min-height: auto; padding: 88px 32px 56px; }
  .hero h1 { font-size: clamp(30px, 6vw, 52px); margin-bottom: 14px; }
  .hero-desc { font-size: 13px; margin-bottom: 24px; }
  .hero-actions { flex-direction: row; flex-wrap: wrap; gap: 12px; }
  .btn-primary, .btn-ghost-dark { width: auto; }

  /* ── Section padding: tighter vertically ── */
  .sec  { padding: 48px 32px; }
  .sec-sm { padding: 36px 32px; }

  /* ── Stats: 4-col since width is ample ── */
  .stats-grid { grid-template-columns: repeat(4, 1fr); }
  .stat-item  { padding: 28px 20px; }
  .stat-num   { font-size: 36px; }

  /* ── About: side-by-side ── */
  .about { grid-template-columns: 1fr 1fr; }
  .about-visual { height: 240px; }

  /* ── Services: 2-col ── */
  .srv-header { grid-template-columns: 1fr 1fr; }
  .srv-cards  { grid-template-columns: 1fr 1fr; }

  /* ── Life Insurance: 2-col ── */
  .life-header-grid { grid-template-columns: 1fr 1fr; }
  .life-grid { grid-template-columns: 1fr 1fr; }

  /* ── Retirement: 2-col ── */
  .ret-header { grid-template-columns: 1fr 1fr; }
  .ret-grid   { grid-template-columns: 1fr 1fr; }
  .ret-bottom { grid-template-columns: 1fr 1fr; }

  /* ── IUL: side-by-side ── */
  .iul-hero { grid-template-columns: 1fr 1fr; }
  .iul-features-grid { grid-template-columns: 1fr 1fr; }
  .iul-steps { grid-template-columns: 1fr 1fr; }

  /* ── Business: 2-col ── */
  .biz-header { grid-template-columns: 1fr 1fr; }
  .biz-grid   { grid-template-columns: 1fr 1fr; }

  /* ── Why Us: side-by-side ── */
  .why { grid-template-columns: 1fr 1fr; }
  .why-visual { grid-template-columns: 1fr 1fr; }

  /* ── Team: reduce photo heights ── */
  .mp-wrap { min-height: 220px; max-height: 260px; }
  .headshot-wrap { min-height: 220px !important; max-height: 260px !important; }
  .headshot-img  { min-height: 220px !important; max-height: 260px !important; }
  .mi, .team-bio-pad { padding: 28px 24px !important; }

  /* ── Join / Careers: 2-col ── */
  .join-grid  { grid-template-columns: 1fr 1fr; }
  .join-perks { grid-template-columns: 1fr 1fr; }

  /* ── Insights: 2-col ── */
  .insights-grid,
  .insights-cards-grid { grid-template-columns: 1fr 1fr !important; }

  /* ── Location / Contact ── */
  .building-photos-grid { grid-template-columns: 1fr 1fr !important; }
  .loc-map { height: 240px; }
  iframe[src*="google.com/maps"] { height: 240px !important; }
  .contact { grid-template-columns: 1fr 1fr; }

  /* ── Calculators: side-by-side ── */
  .calc-grid { grid-template-columns: 1fr 1fr !important; }
  .calc-grid > div { padding: 36px 24px !important; }

  /* ── Inline grid overrides: restore 2-col in landscape ── */
  .mob-stack {
    display: grid !important;
    grid-template-columns: 1fr 1fr !important;
    flex-direction: unset !important;
    gap: 1px !important;
  }
  .mob-stack > * { width: auto !important; }
  .mob-header { gap: 32px !important; margin-bottom: 36px !important; }

  /* ── Footer: horizontal layout ── */
  .footer-top { flex-direction: row; }
  .footer-bottom { flex-direction: row; text-align: left; }

  /* ── Headshot info bar ── */
  .loc-info-bar { flex-direction: row !important; align-items: center !important; gap: 24px !important; }

  /* ── Blog ── */
  .page-hero { padding: 90px 32px 56px; }
  .article-index { padding: 48px 32px; }
  .index-grid { grid-template-columns: 1fr 1fr !important; }
  .article-inner { padding: 0 32px; }
  .article-cta { flex-direction: row; }
}

/* ═══════════════════════════════════════════════
   BLOG — Page hero, article index, articles
═══════════════════════════════════════════════ */

/* Page hero — shared by blog.html and all sub-pages */
.page-hero {
  background: var(--black); padding: 140px 60px 80px;
  position: relative; overflow: hidden;
}
.page-hero-grid {
  position: absolute; inset: 0;
  background-image: linear-gradient(rgba(201,168,76,0.04) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(201,168,76,0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  mask-image: linear-gradient(to bottom, transparent, black 30%, black 70%, transparent);
}
.page-hero-content { position: relative; max-width: 700px; }
.page-hero h1 { font-family: 'Cormorant Garamond', serif; font-size: clamp(42px, 5vw, 72px); font-weight: 300; line-height: 1.05; color: var(--white); margin-bottom: 20px; }
.page-hero h1 em { font-style: italic; color: var(--gold-light); }
.page-hero p  { font-size: 14px; font-weight: 300; line-height: 1.9; color: var(--text-light); max-width: 500px; }

/* Article index (3-up card grid) */
.article-index {
  background: var(--off-white); padding: 72px 60px;
  border-bottom: 1px solid var(--border-light);
}
.index-label { font-size: 9px; letter-spacing: 4px; text-transform: uppercase; color: var(--gold-dark); margin-bottom: 28px; }
.index-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--border-light); }
.index-card {
  background: var(--white); padding: 36px 32px; text-decoration: none;
  color: var(--text-dark); display: flex; flex-direction: column; gap: 0;
  border-top: 2px solid transparent; border-left: none;
  transition: all 0.25s; position: relative; min-height: 220px;
}
.index-card:hover { background: #fffdf5; border-top-color: var(--gold); }
.index-card:hover .ic-title { color: var(--gold-dark); }
.index-card:hover .ic-arrow { color: var(--gold); }
.ic-tag   { font-size: 9px; letter-spacing: 3px; text-transform: uppercase; color: var(--gold-dark); margin-bottom: 12px; }
.ic-title { font-family: 'Cormorant Garamond', serif; font-size: 21px; font-weight: 400; line-height: 1.25; transition: color 0.25s; margin-bottom: 14px; }
.ic-desc  { font-size: 12px; font-weight: 300; color: var(--text-mid-dark); line-height: 1.7; flex: 1; }
.ic-arrow { font-size: 9px; letter-spacing: 2.5px; color: var(--text-light); text-transform: uppercase; padding-top: 20px; margin-top: auto; transition: color 0.25s; border-top: 1px solid var(--border-light); }

/* Article body */
.article-section { padding: 96px 0; border-bottom: 1px solid var(--border-light); }
.article-section:nth-child(even) { background: var(--off-white); }
.article-section:nth-child(odd)  { background: var(--white); }
.article-inner    { max-width: 780px; margin: 0 auto; padding: 0 60px; }
.article-meta     { display: flex; align-items: center; gap: 16px; margin-bottom: 32px; }
.article-tag      { font-size: 9px; letter-spacing: 3px; text-transform: uppercase; color: var(--gold-dark); font-weight: 500; }
.article-dot      { width: 4px; height: 4px; background: #ccc; border-radius: 50%; }
.article-date,
.article-read     { font-size: 10px; letter-spacing: 1px; color: #aaa; }
.article-title    { font-family: 'Cormorant Garamond', serif; font-size: clamp(32px, 4vw, 52px); font-weight: 400; line-height: 1.1; color: var(--text-dark); margin-bottom: 12px; }
.article-title em { font-style: italic; color: var(--gold-dark); }
.article-subtitle { font-size: 16px; font-weight: 300; color: var(--text-mid-dark); line-height: 1.7; margin-bottom: 40px; padding-bottom: 32px; border-bottom: 1px solid var(--border-light); }
.article-body     { font-size: 15px; font-weight: 300; color: #333; line-height: 1.95; }
.article-body p   { margin-bottom: 22px; }
.article-body h2  { font-family: 'Cormorant Garamond', serif; font-size: 28px; font-weight: 400; color: var(--text-dark); margin: 40px 0 14px; line-height: 1.2; }
.article-body h3  { font-family: 'Cormorant Garamond', serif; font-size: 22px; font-weight: 400; color: var(--text-dark); margin: 30px 0 10px; }
.article-body ul,
.article-body ol  { padding-left: 0; margin: 0 0 26px 0; display: flex; flex-direction: column; gap: 0; list-style: none; }
.article-body ul li,
.article-body ol li {
  display: flex; align-items: flex-start; gap: 20px;
  font-size: 14px; color: #444; font-weight: 300; line-height: 1.75;
  padding: 12px 0; border-bottom: 1px solid #f0f0f0;
}
.article-body ul li:first-child,
.article-body ol li:first-child { border-top: 1px solid #f0f0f0; }

/* Bullet — gold rule, centered on first line of text */
.article-body ul li::before {
  content: '';
  display: block; flex-shrink: 0;
  width: 18px; height: 1px;
  background: var(--gold-dark);
  margin-top: 12px; /* centers on first text line: 14px × 1.75 ÷ 2 */
}

/* Numbers — same visual weight as body text, perfectly aligned */
.article-body ol  { counter-reset: ol-counter; }
.article-body ol li { counter-increment: ol-counter; }
.article-body ol li::before {
  content: counter(ol-counter, decimal-leading-zero);
  color: var(--gold-dark);
  font-family: 'Montserrat', sans-serif;
  font-size: 11px; font-weight: 600; letter-spacing: 1px;
  flex-shrink: 0; min-width: 28px;
  line-height: 1.75; /* match li line-height exactly */
  padding-top: 1px;
}
.article-body strong { font-weight: 600; color: var(--text-dark); }
.article-body .callout {
  background: var(--black); color: var(--white); padding: 32px 36px; margin: 36px 0; position: relative;
}
.article-body .callout::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 2px; background: linear-gradient(90deg, transparent, var(--gold), transparent); }
.article-body .callout p  { color: var(--text-light); margin-bottom: 0; }
.article-body .callout strong { color: var(--gold-light); }
.article-body .highlight-box {
  background: #fffdf5; border: 1px solid var(--border-light); border-left: 3px solid var(--gold);
  padding: 24px 28px; margin: 28px 0;
}
.article-body .highlight-box p { margin-bottom: 0; font-size: 14px; color: var(--text-mid-dark); }

/* Article CTA block */
.article-cta {
  background: var(--black); padding: 48px; margin-top: 48px; position: relative;
  display: flex; justify-content: space-between; align-items: center; gap: 32px; flex-wrap: wrap;
}
.article-cta::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 2px; background: linear-gradient(90deg, transparent, var(--gold), transparent); }
.article-cta-text    { font-family: 'Cormorant Garamond', serif; font-size: 26px; font-weight: 300; color: var(--white); line-height: 1.2; }
.article-cta-text em { font-style: italic; color: var(--gold-light); }

/* Back to top */
.back-to-top {
  display: flex; align-items: center; gap: 10px; margin-top: 48px; padding-top: 32px;
  border-top: 1px solid var(--border-light); text-decoration: none;
  font-size: 10px; letter-spacing: 2px; text-transform: uppercase; color: var(--gold-dark); transition: gap 0.2s;
}
.back-to-top:hover { gap: 14px; }

/* ── Blog mobile responsive ── */
@media (max-width: 900px) {
  .page-hero { padding: 110px 24px 64px; }
  .article-index { padding: 48px 24px; }
  .index-grid { grid-template-columns: 1fr !important; }
  .index-card { padding: 24px 20px; }
  .article-section { padding: 60px 0; }
  .article-inner { padding: 0 24px; }
  .article-subtitle { font-size: 14px; margin-bottom: 28px; padding-bottom: 24px; }
  .article-cta { flex-direction: column; align-items: flex-start; padding: 32px 24px; }
  .article-cta-text { font-size: 22px; }
}