/* ============================================
   AnnuityNJ | Powered by AnnuityRadar
   Stylesheet — Navy & Gold Financial Brand
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700&family=Source+Sans+3:wght@300;400;500;600;700&display=swap');

:root {
  --navy: #071B33;
  --navy-mid: #0D2B50;
  --navy-light: #163A6B;
  --gold: #C9A84C;
  --gold-bright: #D4AF37;
  --gold-light: #E8C86E;
  --white: #FFFFFF;
  --off-white: #F8F7F4;
  --light-gray: #F2F1EE;
  --mid-gray: #E0DDD8;
  --text-dark: #1A1A2E;
  --text-mid: #4A4A6A;
  --text-light: #7A7A9A;
  --green: #2E7D52;
  --green-light: #E8F5EE;
  --red: #C0392B;
  --red-light: #FDECEA;
  --shadow-sm: 0 2px 8px rgba(7,27,51,0.10);
  --shadow-md: 0 4px 20px rgba(7,27,51,0.14);
  --shadow-lg: 0 8px 40px rgba(7,27,51,0.18);
  --radius: 6px;
  --radius-lg: 12px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Source Sans 3', sans-serif;
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4, h5 {
  font-family: 'Playfair Display', Georgia, serif;
  line-height: 1.25;
  color: var(--navy);
}
a { color: var(--gold-bright); text-decoration: none; transition: color 0.2s; }
a:hover { color: var(--gold-light); }
img { max-width: 100%; display: block; }

/* —— Utility —— */
.container { max-width: 1140px; margin: 0 auto; padding: 0 24px; }
.text-gold { color: var(--gold-bright); }
.text-navy { color: var(--navy); }

/* —— Buttons —— */
.btn {
  display: inline-block;
  font-family: 'Source Sans 3', sans-serif;
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.03em;
  padding: 13px 28px;
  border-radius: var(--radius);
  border: 2px solid transparent;
  cursor: pointer;
  transition: all 0.22s ease;
  text-align: center;
}
.btn-primary { background: var(--gold-bright); color: var(--navy); border-color: var(--gold-bright); }
.btn-primary:hover { background: var(--gold-light); color: var(--navy); border-color: var(--gold-light); transform: translateY(-1px); box-shadow: 0 4px 14px rgba(212,175,55,0.35); }
.btn-outline { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.6); }
.btn-outline:hover { background: rgba(255,255,255,0.12); color: var(--white); border-color: var(--white); }
.btn-navy { background: var(--navy); color: var(--gold-bright); border-color: var(--navy); }
.btn-navy:hover { background: var(--navy-mid); color: var(--gold-light); transform: translateY(-1px); box-shadow: var(--shadow-md); }
.btn-sm { padding: 9px 20px; font-size: 0.88rem; }

/* —— Header / Nav —— */
#site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: var(--navy);
  border-bottom: 2px solid rgba(212,175,55,0.3);
  box-shadow: 0 2px 16px rgba(0,0,0,0.25);
  transition: all 0.3s;
}
#site-header.scrolled { background: rgba(7,27,51,0.97); backdrop-filter: blur(8px); }

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.logo-wrap { display: flex; align-items: center; gap: 14px; text-decoration: none; }
.logo-img { height: 44px; width: 44px; object-fit: contain; }
.logo-text { line-height: 1; }
.logo-main { display: block; font-family: 'Playfair Display', serif; font-size: 1.3rem; font-weight: 700; color: var(--white); letter-spacing: -0.01em; }
.logo-sub { display: block; font-size: 0.68rem; font-weight: 500; color: var(--gold); letter-spacing: 0.12em; text-transform: uppercase; margin-top: 2px; }

.main-nav { display: flex; align-items: center; gap: 2px; }
.main-nav a { color: rgba(255,255,255,0.8); font-size: 0.88rem; font-weight: 500; padding: 8px 12px; border-radius: var(--radius); transition: all 0.2s; letter-spacing: 0.01em; }
.main-nav a:hover, .main-nav a.active { color: var(--gold-bright); background: rgba(212,175,55,0.1); }
.nav-cta { background: var(--gold-bright) !important; color: var(--navy) !important; font-weight: 700 !important; padding: 8px 16px !important; }
.nav-cta:hover { background: var(--gold-light) !important; color: var(--navy) !important; }

.nav-toggle { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--white); border-radius: 2px; transition: all 0.3s; }

/* —— Page Hero —— */
.page-hero {
  background: linear-gradient(155deg, var(--navy) 0%, var(--navy-mid) 55%, #0A2244 100%);
  padding: 120px 0 64px;
  position: relative;
  overflow: hidden;
  margin-top: 72px;
}
.page-hero::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none'%3E%3Cg fill='%23C9A84C' fill-opacity='0.05'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  opacity: 0.4;
}
.page-hero-content { position: relative; z-index: 1; max-width: 780px; }
.page-hero-badge { display: inline-flex; align-items: center; gap: 8px; background: rgba(212,175,55,0.15); border: 1px solid rgba(212,175,55,0.35); color: var(--gold); font-size: 0.75rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; padding: 5px 14px; border-radius: 100px; margin-bottom: 18px; }
.page-hero h1 { font-size: clamp(2rem, 4.5vw, 3rem); font-weight: 700; color: var(--white); margin-bottom: 16px; line-height: 1.15; }
.page-hero h1 .accent { color: var(--gold-bright); }
.page-hero p { font-size: 1.1rem; color: rgba(255,255,255,0.78); line-height: 1.65; max-width: 620px; }

/* —— Home Hero —— */
#home-hero {
  background: linear-gradient(155deg, var(--navy) 0%, var(--navy-mid) 55%, #0A2244 100%);
  position: relative; overflow: hidden;
  padding: 140px 0 80px;
  margin-top: 72px;
}
#home-hero::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none'%3E%3Cg fill='%23C9A84C' fill-opacity='0.05'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  opacity: 0.4;
}
.hero-content { position: relative; z-index: 1; max-width: 760px; }
.hero-badge { display: inline-flex; align-items: center; gap: 8px; background: rgba(212,175,55,0.15); border: 1px solid rgba(212,175,55,0.35); color: var(--gold); font-size: 0.78rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; padding: 6px 14px; border-radius: 100px; margin-bottom: 24px; }
.hero-badge::before { content: ''; width: 6px; height: 6px; background: var(--gold); border-radius: 50%; }
.hero-title { font-size: clamp(2.1rem, 5vw, 3.4rem); font-weight: 700; color: var(--white); line-height: 1.15; margin-bottom: 20px; }
.hero-title .accent { color: var(--gold-bright); }
.hero-sub { font-size: 1.12rem; color: rgba(255,255,255,0.78); max-width: 600px; margin-bottom: 36px; line-height: 1.65; }
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 48px; }
.hero-stats { display: flex; gap: 40px; flex-wrap: wrap; padding-top: 32px; border-top: 1px solid rgba(255,255,255,0.12); }
.hero-stat .num { font-family: 'Playfair Display', serif; font-size: 2rem; font-weight: 700; color: var(--gold-bright); display: block; line-height: 1; margin-bottom: 4px; }
.hero-stat .label { font-size: 0.82rem; color: rgba(255,255,255,0.6); font-weight: 500; letter-spacing: 0.02em; }

/* —— Section basics —— */
.section-eyebrow { font-size: 0.75rem; font-weight: 700; letter-spacing: 0.15em; text-transform: uppercase; color: var(--gold-bright); margin-bottom: 10px; }
.section-title { font-size: clamp(1.7rem, 3.5vw, 2.6rem); font-weight: 700; color: var(--navy); margin-bottom: 14px; }
.section-desc { font-size: 1.05rem; color: var(--text-mid); max-width: 600px; line-height: 1.65; }
.content-section { padding: 80px 0; }
.content-section.bg-light { background: var(--light-gray); }
.content-section.bg-off-white { background: var(--off-white); }
.content-section.bg-navy { background: var(--navy); }
.content-section.bg-navy h2, .content-section.bg-navy h3 { color: var(--white); }
.content-section.bg-navy p, .content-section.bg-navy li { color: rgba(255,255,255,0.8); }
.content-section.bg-navy .section-eyebrow { color: var(--gold); }

/* —— Rate Tool —— */
.tool-card { background: var(--white); border-radius: var(--radius-lg); box-shadow: var(--shadow-md); border: 1px solid var(--mid-gray); padding: 36px; margin-top: 36px; }
.tool-helper { background: linear-gradient(135deg, rgba(7,27,51,0.04), rgba(212,175,55,0.06)); border: 1px solid rgba(212,175,55,0.2); border-radius: var(--radius); padding: 14px 18px; font-size: 0.9rem; color: var(--text-mid); margin-bottom: 28px; line-height: 1.55; }
.tool-helper strong { color: var(--navy); }
.tool-inputs { display: grid; grid-template-columns: 1fr 1fr auto; gap: 18px; align-items: end; margin-bottom: 28px; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group label { font-size: 0.84rem; font-weight: 600; color: var(--navy); letter-spacing: 0.02em; text-transform: uppercase; }
.form-group input, .form-group select { font-family: 'Source Sans 3', sans-serif; font-size: 1rem; color: var(--text-dark); background: var(--white); border: 2px solid var(--mid-gray); border-radius: var(--radius); padding: 11px 14px; transition: border-color 0.2s, box-shadow 0.2s; outline: none; }
.form-group input:focus, .form-group select:focus { border-color: var(--gold-bright); box-shadow: 0 0 0 3px rgba(212,175,55,0.15); }
.input-prefix-wrap { position: relative; }
.input-prefix-wrap .prefix { position: absolute; left: 12px; top: 50%; transform: translateY(-50%); font-weight: 600; color: var(--text-mid); pointer-events: none; }
.input-prefix-wrap input { padding-left: 28px; }
#results-area { margin-top: 8px; }
.results-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 18px; padding-bottom: 12px; border-bottom: 2px solid var(--mid-gray); flex-wrap: wrap; gap: 10px; }
.results-count { font-size: 0.88rem; color: var(--text-mid); font-weight: 500; }
.results-count strong { color: var(--navy); }
.results-grid { display: flex; flex-direction: column; gap: 12px; }
.rate-card { background: var(--white); border: 2px solid var(--mid-gray); border-radius: var(--radius); padding: 20px 24px; display: grid; grid-template-columns: 1fr auto; gap: 12px 24px; align-items: start; transition: box-shadow 0.2s, border-color 0.2s; position: relative; }
.rate-card:hover { box-shadow: var(--shadow-sm); border-color: rgba(212,175,55,0.4); }
.rate-card.top-pick { border-color: var(--gold-bright); background: linear-gradient(135deg, #fffcf0 0%, var(--white) 100%); }
.top-badge { display: none; position: absolute; top: -10px; left: 20px; background: var(--gold-bright); color: var(--navy); font-size: 0.7rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; padding: 3px 10px; border-radius: 100px; }
.rate-card.top-pick .top-badge { display: block; }
.card-left { min-width: 0; }
.card-carrier { font-size: 0.75rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--text-light); margin-bottom: 2px; }
.card-product { font-family: 'Playfair Display', serif; font-size: 1.05rem; font-weight: 600; color: var(--navy); margin-bottom: 8px; line-height: 1.3; }
.card-meta { display: flex; flex-wrap: wrap; gap: 6px 14px; font-size: 0.82rem; color: var(--text-mid); }
.card-meta span { display: flex; align-items: center; gap: 4px; }
.badge-rating { display: inline-block; background: var(--navy); color: var(--gold); font-size: 0.72rem; font-weight: 700; letter-spacing: 0.05em; padding: 2px 8px; border-radius: 4px; }
.card-note { font-size: 0.78rem; color: #8B6914; background: #FFF8E1; border: 1px solid #F0D060; border-radius: 4px; padding: 4px 8px; margin-top: 8px; }
.card-right { text-align: right; min-width: 110px; }
.card-rate-num { font-family: 'Playfair Display', serif; font-size: 2.1rem; font-weight: 700; color: var(--navy); line-height: 1; }
.rate-card.top-pick .card-rate-num { color: var(--gold-bright); }
.card-rate-label { font-size: 0.75rem; color: var(--text-light); margin-top: 2px; }
.card-term { font-size: 0.82rem; color: var(--text-mid); margin-top: 6px; }
.card-min { font-size: 0.78rem; color: var(--text-light); margin-top: 3px; }
.no-results { text-align: center; padding: 48px 24px; color: var(--text-mid); }
.no-results .icon { font-size: 2.5rem; margin-bottom: 12px; }
.no-results h3 { color: var(--navy); margin-bottom: 8px; }
.tool-disclaimer { margin-top: 24px; padding: 14px 18px; background: rgba(7,27,51,0.03); border-left: 3px solid var(--gold); border-radius: 0 var(--radius) var(--radius) 0; font-size: 0.8rem; color: var(--text-mid); line-height: 1.55; }
.load-more-wrap { text-align: center; margin-top: 20px; }
#show-more-btn { display: none; }

/* —— Two column —— */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }

/* —— Feature Grid —— */
.feature-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
.feature-card { background: var(--white); border: 1px solid var(--mid-gray); border-radius: var(--radius-lg); padding: 28px 24px; transition: box-shadow 0.2s, transform 0.2s; }
.feature-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.feature-icon { width: 48px; height: 48px; background: linear-gradient(135deg, var(--navy), var(--navy-light)); border-radius: 10px; display: flex; align-items: center; justify-content: center; margin-bottom: 16px; font-size: 1.4rem; }
.feature-card h3 { font-size: 1.05rem; margin-bottom: 8px; color: var(--navy); }
.feature-card p { font-size: 0.9rem; color: var(--text-mid); line-height: 1.6; }

/* —— Info Grid —— */
.info-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; margin-bottom: 40px; }
.info-card { background: var(--white); border: 1px solid var(--mid-gray); border-radius: var(--radius-lg); padding: 28px 24px; border-top: 4px solid var(--gold-bright); }
.info-card h3 { color: var(--navy); margin-bottom: 12px; font-size: 1.1rem; }
.info-card p { color: var(--text-mid); font-size: 0.95rem; line-height: 1.65; }

/* —— Highlight box —— */
.highlight-box { background: var(--navy); border-radius: var(--radius-lg); padding: 40px; margin: 32px 0; position: relative; overflow: hidden; }
.highlight-box h3 { color: var(--gold-bright); margin-bottom: 12px; font-size: 1.2rem; }
.highlight-box p { color: rgba(255,255,255,0.82); line-height: 1.7; margin-bottom: 10px; }
.highlight-box p:last-child { margin-bottom: 0; }

/* —— Step Cards —— */
.steps { display: flex; flex-direction: column; gap: 0; margin: 32px 0; }
.step { display: grid; grid-template-columns: 56px 1fr; gap: 20px; align-items: start; padding: 24px 0; border-bottom: 1px solid var(--mid-gray); }
.step:last-child { border-bottom: none; }
.step-num { width: 48px; height: 48px; background: var(--gold-bright); color: var(--navy); font-family: 'Playfair Display', serif; font-size: 1.3rem; font-weight: 700; border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.step h3 { color: var(--navy); font-size: 1.05rem; margin-bottom: 6px; }
.step p { color: var(--text-mid); font-size: 0.95rem; line-height: 1.65; }

/* —— Example boxes —— */
.example-box { background: var(--green-light); border: 1px solid #A8D5B8; border-left: 4px solid var(--green); border-radius: var(--radius-lg); padding: 24px 28px; margin: 24px 0; }
.example-box .ex-label { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--green); margin-bottom: 8px; }
.example-box h4 { color: var(--navy); font-size: 1rem; margin-bottom: 8px; }
.example-box p { color: var(--text-mid); font-size: 0.93rem; line-height: 1.65; margin-bottom: 6px; }
.example-box p:last-child { margin-bottom: 0; }
.example-box strong { color: var(--navy); }

/* —— Callout pill —— */
.callout-pill { display: inline-flex; align-items: center; gap: 8px; background: rgba(212,175,55,0.12); border: 1px solid rgba(212,175,55,0.3); color: var(--navy); font-size: 0.9rem; font-weight: 600; padding: 8px 16px; border-radius: 100px; margin: 8px 0; }

/* —— Comparison table —— */
.compare-table { width: 100%; border-collapse: collapse; margin: 24px 0; font-size: 0.93rem; }
.compare-table th { background: var(--navy); color: var(--gold-bright); font-family: 'Source Sans 3', sans-serif; font-weight: 600; font-size: 0.82rem; letter-spacing: 0.06em; text-transform: uppercase; padding: 12px 16px; text-align: left; }
.compare-table td { padding: 12px 16px; border-bottom: 1px solid var(--mid-gray); color: var(--text-mid); vertical-align: top; }
.compare-table tr:last-child td { border-bottom: none; }
.compare-table tr:nth-child(even) td { background: var(--off-white); }
.compare-table .yes { color: var(--green); font-weight: 600; }
.compare-table .no { color: var(--red); font-weight: 600; }
.compare-table .label-col { font-weight: 600; color: var(--navy); }

/* —— LTC Leverage graphic —— */
.leverage-graphic { display: grid; grid-template-columns: 1fr auto 1fr; gap: 16px; align-items: center; margin: 32px 0; }
.leverage-box { border-radius: var(--radius-lg); padding: 28px 24px; text-align: center; }
.leverage-box.deposit { background: var(--navy); }
.leverage-box.deposit .lev-amount { font-family: 'Playfair Display', serif; font-size: 2.4rem; font-weight: 700; color: var(--gold-bright); }
.leverage-box.deposit .lev-label { font-size: 0.82rem; color: rgba(255,255,255,0.65); margin-top: 4px; letter-spacing: 0.05em; text-transform: uppercase; }
.leverage-box.ltc { background: var(--green-light); border: 2px solid #A8D5B8; }
.leverage-box.ltc .lev-amount { font-family: 'Playfair Display', serif; font-size: 2.4rem; font-weight: 700; color: var(--green); }
.leverage-box.ltc .lev-label { font-size: 0.82rem; color: var(--text-mid); margin-top: 4px; letter-spacing: 0.05em; text-transform: uppercase; }
.leverage-arrow { text-align: center; font-size: 2rem; color: var(--gold-bright); }
.leverage-multiplier { font-family: 'Playfair Display', serif; font-size: 1.1rem; font-weight: 700; color: var(--gold-bright); display: block; margin-top: 4px; }

/* —— About —— */
.about-photo { width: 100%; border-radius: var(--radius-lg); object-fit: cover; aspect-ratio: 4/5; display: block; box-shadow: var(--shadow-lg); }
.about-accent-wrap { position: relative; }
.about-accent-wrap::after { content: ''; position: absolute; bottom: -16px; right: -16px; width: 100px; height: 100px; background: var(--gold-bright); border-radius: var(--radius-lg); z-index: -1; }
.about-points { list-style: none; display: flex; flex-direction: column; gap: 10px; margin: 20px 0 28px; }
.about-points li { display: flex; align-items: flex-start; gap: 10px; font-size: 0.95rem; color: var(--text-mid); }
.about-points li::before { content: '✦'; color: var(--gold-bright); font-size: 0.75rem; margin-top: 4px; flex-shrink: 0; }
.contact-line { font-size: 0.9rem; color: var(--text-mid); display: flex; align-items: center; gap: 8px; flex-wrap: wrap; }
.contact-line a { color: var(--gold-bright); font-weight: 600; }

/* —— Contact —— */
.contact-grid { display: grid; grid-template-columns: 1fr 1.6fr; gap: 56px; align-items: start; }
.contact-details { display: flex; flex-direction: column; gap: 14px; }
.contact-detail-item { display: flex; align-items: flex-start; gap: 12px; font-size: 0.95rem; }
.contact-icon { width: 38px; height: 38px; background: var(--navy); border-radius: 8px; display: flex; align-items: center; justify-content: center; font-size: 1rem; flex-shrink: 0; }
.contact-detail-item .info { line-height: 1.4; }
.contact-detail-item .info .label { font-size: 0.76rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--text-light); }
.contact-detail-item .info .value { font-weight: 600; color: var(--navy); }
.contact-detail-item .info a { color: var(--navy); font-weight: 600; }
.contact-detail-item .info a:hover { color: var(--gold-bright); }
.contact-form-wrap { background: var(--white); border-radius: var(--radius-lg); box-shadow: var(--shadow-md); padding: 40px; border: 1px solid var(--mid-gray); }
.contact-form-wrap h3 { margin-bottom: 24px; }
.contact-form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.contact-form-grid .full { grid-column: 1 / -1; }
.contact-form-grid textarea { resize: vertical; min-height: 110px; font-family: 'Source Sans 3', sans-serif; font-size: 0.97rem; width: 100%; color: var(--text-dark); background: var(--white); border: 2px solid var(--mid-gray); border-radius: var(--radius); padding: 11px 14px; transition: border-color 0.2s; outline: none; }
.contact-form-grid textarea:focus { border-color: var(--gold-bright); box-shadow: 0 0 0 3px rgba(212,175,55,0.15); }
.form-submit-row { margin-top: 8px; }
.form-note { font-size: 0.78rem; color: var(--text-light); margin-top: 12px; line-height: 1.5; }

/* —— CTA Band —— */
.cta-band { background: linear-gradient(135deg, var(--navy-mid), var(--navy)); padding: 72px 0; text-align: center; }
.cta-band h2 { color: var(--white); font-size: clamp(1.6rem, 3vw, 2.4rem); margin-bottom: 14px; }
.cta-band p { color: rgba(255,255,255,0.75); max-width: 560px; margin: 0 auto 32px; font-size: 1.05rem; line-height: 1.65; }
.cta-band-btns { display: flex; justify-content: center; gap: 14px; flex-wrap: wrap; }

/* —— Footer —— */
footer { background: #040F1E; color: rgba(255,255,255,0.6); padding: 56px 0 28px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 40px; margin-bottom: 44px; }
.footer-brand .logo-wrap { margin-bottom: 16px; }
.footer-brand p { font-size: 0.87rem; line-height: 1.65; max-width: 340px; }
.footer-col h4 { font-family: 'Source Sans 3', sans-serif; font-size: 0.78rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.12em; color: var(--gold); margin-bottom: 14px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.footer-col ul li a { font-size: 0.88rem; color: rgba(255,255,255,0.55); transition: color 0.2s; }
.footer-col ul li a:hover { color: var(--gold-bright); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 24px; display: flex; justify-content: space-between; align-items: flex-start; gap: 20px; flex-wrap: wrap; }
.footer-legal { font-size: 0.75rem; line-height: 1.6; max-width: 780px; color: rgba(255,255,255,0.35); }
.footer-copy { font-size: 0.78rem; color: rgba(255,255,255,0.3); white-space: nowrap; }

/* —— Animations —— */
@keyframes fadeUp { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: translateY(0); } }
.fade-up { animation: fadeUp 0.55s ease both; }
.delay-1 { animation-delay: 0.1s; }
.delay-2 { animation-delay: 0.2s; }
.delay-3 { animation-delay: 0.3s; }
.delay-4 { animation-delay: 0.45s; }

/* —— Responsive —— */
@media (max-width: 900px) {
  .tool-inputs { grid-template-columns: 1fr 1fr; }
  .tool-inputs .btn { grid-column: 1 / -1; }
  .two-col { grid-template-columns: 1fr; gap: 40px; }
  .feature-grid { grid-template-columns: 1fr 1fr; }
  .info-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .contact-form-grid { grid-template-columns: 1fr; }
  .leverage-graphic { grid-template-columns: 1fr; }
  .leverage-arrow { transform: rotate(90deg); }
}
@media (max-width: 680px) {
  .main-nav { display: none; flex-direction: column; }
  .main-nav.open { display: flex; position: absolute; top: 72px; left: 0; right: 0; background: var(--navy); padding: 16px 24px 24px; border-top: 1px solid rgba(255,255,255,0.1); box-shadow: var(--shadow-lg); }
  .main-nav.open a { padding: 12px 0; border-bottom: 1px solid rgba(255,255,255,0.07); }
  .nav-toggle { display: flex; }
  .tool-inputs { grid-template-columns: 1fr; }
  .rate-card { grid-template-columns: 1fr; }
  .card-right { text-align: left; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; }
  .hero-stats { gap: 24px; }
  .feature-grid { grid-template-columns: 1fr; }
}

/* ── Dropdown Nav ── */
.nav-dropdown { position:relative; }
.nav-dropdown-btn {
  background:none; border:none; cursor:pointer;
  color:rgba(255,255,255,0.8); font-family:'Source Sans 3',sans-serif;
  font-size:0.88rem; font-weight:500; padding:8px 12px;
  border-radius:var(--radius); transition:all 0.2s;
  display:flex; align-items:center; gap:5px; letter-spacing:0.01em;
}
.nav-dropdown-btn:hover, .nav-dropdown.types-active .nav-dropdown-btn {
  color:var(--gold-bright); background:rgba(212,175,55,0.1);
}
.nav-caret { font-size:0.6rem; transition:transform 0.2s; }
.nav-dropdown-menu.open + * .nav-caret,
.nav-dropdown-menu.open ~ .nav-dropdown-btn .nav-caret { transform:rotate(180deg); }
.nav-dropdown-btn[aria-expanded="true"] .nav-caret { transform:rotate(180deg); }

.nav-dropdown-menu {
  display:none; position:absolute; top:calc(100% + 8px); left:50%;
  transform:translateX(-50%); background:var(--white);
  border:1px solid var(--mid-gray); border-radius:var(--radius-lg);
  box-shadow:var(--shadow-lg); min-width:280px; overflow:hidden; z-index:200;
}
.nav-dropdown-menu.open { display:block; }
.nav-dropdown-menu a {
  display:flex; align-items:center; gap:12px; padding:14px 16px;
  text-decoration:none; color:var(--text-dark); border-bottom:1px solid var(--mid-gray);
  transition:background 0.15s;
}
.nav-dropdown-menu a:last-child { border-bottom:none; }
.nav-dropdown-menu a:hover { background:var(--off-white); }
.nav-dropdown-menu a.active { background:linear-gradient(135deg,#fffcf0,var(--white)); }
.dd-icon { font-size:1.2rem; flex-shrink:0; width:28px; text-align:center; }
.dd-text { display:flex; flex-direction:column; gap:1px; }
.dd-text strong { font-size:0.88rem; color:var(--navy); font-weight:700; }
.dd-text span { font-size:0.76rem; color:var(--text-light); }

/* Mobile dropdown — inline in open nav */
@media(max-width:680px) {
  .nav-dropdown-menu {
    position:static; transform:none; box-shadow:none;
    border:none; border-radius:0; border-top:1px solid rgba(255,255,255,0.08);
    background:rgba(255,255,255,0.05);
    display:none;
  }
  .nav-dropdown-menu.open { display:block; }
  .nav-dropdown-menu a { color:rgba(255,255,255,0.75); border-bottom:1px solid rgba(255,255,255,0.06); padding:10px 16px; }
  .nav-dropdown-menu a:hover { background:rgba(255,255,255,0.05); }
  .dd-text strong { color:var(--white); }
  .nav-dropdown-btn { color:rgba(255,255,255,0.8); padding:12px 0; border-bottom:1px solid rgba(255,255,255,0.07); width:100%; justify-content:space-between; border-radius:0; }
}