/* ============================================
   SERGEANT OF FINANCE — Main Stylesheet
   Architecture: Hub & Spoke with Curtain Transitions
   Brand: Navy + Gold + White
   Fonts: Cormorant Garamond / Outfit / Caveat 1
   ============================================ */

/* === CSS VARIABLES === */
:root {
  --navy:         #0D1B2A;
  --navy-light:   #1F3864;
  --gold:         #BF8F00;
  --gold-light:   #D4A820;
  --white:        #FFFFFF;
  --off-white:    #F8F6F0;
  --light-gray:   #E8E4DC;
  --dark-text:    #333333;
  --red:          #C41E3A;
  --green:        #228B22;
  --success:      #22c55e;
  --warning:      #f59e0b;
  --danger:       #ef4444;
  --curtain-speed: 0.6s;
}

/* === RESET & BASE === */
*, *::before, *::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  font-size: 16px;
  height: 100%;
}

body {
  font-family: 'Outfit', sans-serif;
  color: var(--dark-text);
  background: var(--navy);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  height: 100%;
  overflow: hidden; /* pages handle their own scroll */
}

h1, h2, h3, h4, h5, h6 {
  font-family: 'Cormorant Garamond', serif;
  font-weight: 600;
  line-height: 1.2;
}

a { color: var(--gold); text-decoration: none; transition: color 0.3s ease; }
a:hover { color: var(--gold-light); }

img { max-width: 100%; height: auto; display: block; }

button { font-family: 'Outfit', sans-serif; }

.container { max-width: 1400px; margin: 0 auto; padding: 0 32px; }
.container.narrow { max-width: 900px; }

.gold { color: var(--gold) !important; }
.dim { color: #999; }
.navy { color: var(--navy) !important; }

.section-title {
  font-size: 2.5rem;
  text-align: center;
  margin-bottom: 16px;
}

.section-subtitle {
  text-align: center;
  color: #888;
  font-size: 0.95rem;
  margin-bottom: 40px;
}


/* ==============================
   PAGE SYSTEM
   Each .page is a full-viewport layer
   Only .page.active is visible
   ============================== */
.page {
  position: fixed;
  inset: 0;
  overflow-y: auto;
  overflow-x: hidden;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.3s ease;
  z-index: 1;
  background: var(--navy);
}

.page.active {
  opacity: 1;
  visibility: visible;
  z-index: 2;
}


/* ==============================
   CURTAIN TRANSITION OVERLAY
   ============================== */
.curtain {
  position: fixed;
  inset: 0;
  z-index: 100;
  pointer-events: none;
  display: flex;
}

.curtain-left,
.curtain-right {
  width: 50%;
  height: 100%;
  background: var(--navy);
  transition: transform var(--curtain-speed) cubic-bezier(0.77, 0, 0.175, 1);
}

.curtain-left  { transform: translateX(-100%); }
.curtain-right { transform: translateX(100%); }

.curtain.closing .curtain-left  { transform: translateX(0); }
.curtain.closing .curtain-right { transform: translateX(0); }

.curtain.opening .curtain-left  { transform: translateX(-100%); }
.curtain.opening .curtain-right { transform: translateX(100%); }

/* Shield logo centered on curtain */
.curtain-brand {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%) scale(0);
  z-index: 101;
  transition: transform var(--curtain-speed) cubic-bezier(0.77, 0, 0.175, 1);
}

.curtain.closing .curtain-brand {
  transform: translate(-50%, -50%) scale(1);
}

.curtain.opening .curtain-brand {
  transform: translate(-50%, -50%) scale(0);
}


/* ==============================
   SHIELD LOGO
   ============================== */
.shield-icon {
  width: 100px;
  height: 100px;
  display: block;
  object-fit: contain;
}

.shield-icon.small { width: 66px; height: 66px; }
.shield-icon.tiny  { width: 48px; height: 48px; }


/* ==============================
   HUB — "Choose Your Path"
   ============================== */
.hub {
  display: flex;
  min-height: 100vh;
  height: 100vh;
}

/* LEFT: Meet Henry — clickable */
.hub-left {
  width: 45%;
  background: radial-gradient(ellipse at 30% 40%, #1F3864 0%, #0D1B2A 70%);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 60px 40px;
  position: relative;
  cursor: pointer;
  overflow: hidden;
}

.hub-left-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(191, 143, 0, 0.08) 0%, transparent 60%);
  opacity: 0;
  transition: opacity 0.5s ease;
}

.hub-left:hover .hub-left-overlay { opacity: 1; }

.hub-corner-logo {
  position: absolute;
  top: 30px;
  left: 30px;
  z-index: 2;
}

.hub-photo { margin-bottom: 30px; z-index: 1; }

.henry-photo-wrap {
  position: relative;
  width: 280px;
  height: 350px;
  border-radius: 12px;
  overflow: hidden;
  border: 2px solid rgba(191, 143, 0, 0.3);
}

.henry-photo-wrap.large {
  width: 100%;
  max-width: 400px;
  height: 450px;
}

.henry-photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top center;
  border-radius: 0;
  border: none;
}

.henry-photo-main {
  position: relative;
  z-index: 1;
  transition: opacity 0.6s ease;
}

.henry-photo-hover {
  position: absolute;
  top: 0;
  left: 0;
  z-index: 2;
  opacity: 0;
  transition: opacity 0.6s ease;
}

.henry-photo-wrap:hover .henry-photo-main {
  opacity: 0;
}

.henry-photo-wrap:hover .henry-photo-hover {
  opacity: 1;
}

.hub-left-info {
  text-align: center;
  z-index: 1;
}

.hub-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2.6rem;
  color: var(--gold);
  margin-bottom: 8px;
}

.hub-rank { color: var(--white); font-size: 1rem; margin-bottom: 4px; }

.hub-title-text {
  color: var(--gold-light);
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 2px;
  margin-bottom: 8px;
}

.hub-location {
  color: rgba(255, 255, 255, 0.4);
  font-size: 0.85rem;
}

/* Left CTA label */
.hub-left-cta {
  position: absolute;
  bottom: 40px;
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--gold);
  font-size: 0.9rem;
  font-weight: 500;
  letter-spacing: 1px;
  text-transform: uppercase;
  opacity: 0.6;
  transition: all 0.4s ease;
  z-index: 2;
}

.hub-left:hover .hub-left-cta {
  opacity: 1;
  gap: 16px;
}

.hub-left-cta .hub-cta-label {
  font-family: 'Outfit', sans-serif;
}

/* RIGHT: I Want To... */
.hub-right {
  width: 55%;
  background: var(--off-white);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 60px 50px;
}

.hub-right-content {
  max-width: 460px;
  text-align: center;
}

.hub-brand {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  margin-bottom: 40px;
}

.hub-brand-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1rem;
  color: var(--navy);
  letter-spacing: 4px;
  text-transform: uppercase;
  font-weight: 600;
}

.hub-brand-tagline {
  font-size: 0.7rem;
  color: var(--gold);
  letter-spacing: 2px;
  text-transform: uppercase;
}

.hub-heading {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2rem;
  color: var(--navy);
  margin-bottom: 30px;
  font-weight: 400;
}

/* Path Cards */
.hub-paths {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 30px;
  text-align: left;
}

.hub-path {
  display: flex;
  align-items: center;
  gap: 16px;
  background: var(--navy);
  color: var(--gold);
  padding: 20px 22px;
  border-radius: 12px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all 0.35s ease;
  text-decoration: none;
  width: 100%;
  text-align: left;
  font-family: 'Outfit', sans-serif;
}

.hub-path:hover {
  transform: translateX(6px);
  border-color: var(--gold);
  box-shadow: 0 4px 24px rgba(191, 143, 0, 0.2);
}

.hub-path-icon {
  font-size: 1.4rem;
  flex-shrink: 0;
  width: 40px;
  text-align: center;
}

.hub-path-text {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.hub-path-text strong {
  font-size: 1rem;
  color: var(--gold);
}

.hub-path-text small {
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.45);
  font-weight: 400;
}

.hub-path-arrow {
  font-size: 1rem;
  opacity: 0.4;
  transition: all 0.3s ease;
}

.hub-path:hover .hub-path-arrow {
  opacity: 1;
  transform: translateX(4px);
}

.hub-path.compact {
  padding: 14px 18px;
}

.hub-promise {
  font-family: 'Caveat', cursive;
  font-size: 1.3rem;
  color: #999;
  font-style: italic;
}


/* ==============================
   PAGE NAVIGATION BAR
   ============================== */
.page-nav {
  position: sticky;
  top: 0;
  z-index: 50;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 24px;
  background: rgba(13, 27, 42, 0.88);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(191, 143, 0, 0.12);
}

.back-btn {
  display: flex;
  align-items: center;
  gap: 8px;
  background: none;
  border: none;
  color: var(--gold);
  font-size: 0.9rem;
  font-weight: 500;
  cursor: pointer;
  transition: all 0.3s ease;
  padding: 8px 16px;
  border-radius: 8px;
}

.back-btn:hover {
  background: rgba(191, 143, 0, 0.1);
  gap: 12px;
}

.page-nav-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.85rem;
  font-weight: 500;
  letter-spacing: 1px;
}

.page-nav-center {
  position: absolute;
  left: 50%;
  top: 50%;
  transform: translate(-50%, -50%);
  pointer-events: none;
}

.page-nav-step {
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 2px;
  text-transform: uppercase;
}


/* ==============================
   STAT BAR — slim progress strip
   ============================== */
.stat-bar {
  position: sticky;
  top: 53px;
  z-index: 49;
  height: 5px;
  background: rgba(13, 27, 42, 0.85);
  overflow: hidden;
  border-bottom: 1px solid rgba(191, 143, 0, 0.15);
}

.stat-bar-fill {
  position: absolute;
  left: 0;
  top: 0;
  height: 100%;
  background: linear-gradient(90deg, var(--gold) 0%, var(--gold-light) 100%);
  transition: width 0.5s cubic-bezier(0.4, 0, 0.2, 1);
  z-index: 0;
  box-shadow: 0 0 14px rgba(191, 143, 0, 0.6);
}

.stat-bar-content {
  display: none;
}

.stat-bar-label {
  display: none;
}

/* Privacy Banner — persistent, centered, prominent */
.privacy-banner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 14px 24px;
  margin-bottom: 32px;
  background: rgba(34, 197, 94, 0.08);
  border: 1px solid rgba(34, 197, 94, 0.2);
  border-radius: 12px;
  font-size: 1rem;
  color: rgba(255, 255, 255, 0.7);
  text-align: center;
}

.privacy-banner i {
  font-size: 1.3rem;
  color: var(--success);
  flex-shrink: 0;
}

/* Cart Bar */
.cart-bar {
  position: sticky;
  top: 58px;
  z-index: 48;
  display: flex;
  align-items: center;
  justify-content: space-around;
  gap: 0;
  padding: 16px 32px;
  background: rgba(13, 27, 42, 0.92);
  border-bottom: 1px solid rgba(191, 143, 0, 0.2);
  backdrop-filter: blur(16px);
  overflow-x: auto;
  box-shadow: 0 4px 20px rgba(0,0,0,0.3);
}

.cart-slot {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  padding: 0 24px;
  min-width: 100px;
  flex: 1;
}

.cart-label {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: rgba(255, 255, 255, 0.5);
  font-weight: 600;
}

.cart-value {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--gold);
  white-space: nowrap;
  font-family: var(--font-heading);
  letter-spacing: 0.5px;
}

.cart-value.empty { color: rgba(255, 255, 255, 0.2); font-family: var(--font-body); font-size: 1rem; }

.cart-divider {
  width: 1px;
  height: 44px;
  background: rgba(191, 143, 0, 0.15);
  flex-shrink: 0;
}

.rates-date-note {
  text-align: center;
  font-size: 0.72rem;
  color: var(--gold);
  padding: 8px 16px;
  opacity: 0.7;
}

/* Flip Cards — Strategy Selection */
.strategy-pick-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 30px;
}

.flip-card {
  perspective: 800px;
  cursor: pointer;
  height: 260px;
}

.flip-card-inner {
  position: relative;
  width: 100%;
  height: 100%;
  transform-style: preserve-3d;
  transition: transform 0.6s cubic-bezier(0.4, 0, 0.2, 1);
}

.flip-card:hover .flip-card-inner,
.flip-card.flipped .flip-card-inner {
  transform: rotateY(180deg);
}

.flip-card-front,
.flip-card-back {
  position: absolute;
  inset: 0;
  backface-visibility: hidden;
  -webkit-backface-visibility: hidden;
  border-radius: 14px;
  padding: 24px 20px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  gap: 10px;
}

.flip-card-front {
  background: rgba(13, 27, 42, 0.72);
  border: 2px solid rgba(255, 255, 255, 0.12);
  backdrop-filter: blur(8px);
}

.flip-card-back {
  background: rgba(13, 27, 42, 0.78);
  border: 2px solid rgba(191, 143, 0, 0.3);
  backdrop-filter: blur(8px);
  transform: rotateY(180deg);
  font-size: 0.9rem;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.9);
}

.flip-card.selected .flip-card-front {
  border-color: var(--gold);
  background: rgba(191, 143, 0, 0.1);
  box-shadow: 0 0 24px rgba(191, 143, 0, 0.15);
}

.flip-card.selected .flip-card-back {
  border-color: var(--gold);
}

.flip-card-icon {
  font-size: 2.2rem;
  color: var(--gold);
}

.flip-card-front h3 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.3rem;
  color: var(--white);
  margin: 0;
}

.flip-card-front p {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.5);
  margin: 0;
}

.flip-hint {
  font-size: 0.7rem;
  color: rgba(191, 143, 0, 0.5);
  margin-top: auto;
}

.whats-this-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(191, 143, 0, 0.15);
  color: var(--gold);
  border: 1px solid rgba(191, 143, 0, 0.3);
  border-radius: 8px;
  padding: 8px 16px;
  font-size: 0.8rem;
  cursor: pointer;
  transition: all 0.2s ease;
  margin-top: 8px;
}

.whats-this-btn:hover {
  background: rgba(191, 143, 0, 0.25);
}

/* Help Me Pick Button */
.help-pick-row {
  text-align: center;
  margin-top: 20px;
  margin-bottom: -8px;
}

.help-pick-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(191, 143, 0, 0.08);
  color: var(--gold);
  border: 2px dashed rgba(191, 143, 0, 0.3);
  border-radius: 40px;
  padding: 12px 28px;
  font-size: 1rem;
  font-weight: 600;
  font-family: 'Outfit', sans-serif;
  cursor: pointer;
  transition: all 0.3s ease;
}

.help-pick-btn:hover {
  background: rgba(191, 143, 0, 0.15);
  border-color: var(--gold);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(191, 143, 0, 0.2);
}

.help-pick-btn i { font-size: 1.2rem; }

/* Picker Modal */
.picker-modal {
  max-width: 550px;
}

.picker-header {
  text-align: center;
  margin-bottom: 24px;
}

.picker-header p {
  color: rgba(255, 255, 255, 0.5);
  font-size: 0.9rem;
}

.picker-question h4 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.4rem;
  color: var(--white);
  text-align: center;
  margin-bottom: 24px;
}

.picker-options {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.picker-option {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 18px 24px;
  background: rgba(255, 255, 255, 0.03);
  border: 2px solid rgba(255, 255, 255, 0.08);
  border-radius: 14px;
  color: var(--white);
  font-size: 1rem;
  font-family: 'Outfit', sans-serif;
  cursor: pointer;
  transition: all 0.25s ease;
  text-align: left;
}

.picker-option i {
  font-size: 1.4rem;
  color: var(--gold);
  flex-shrink: 0;
}

.picker-option:hover {
  border-color: var(--gold);
  background: rgba(191, 143, 0, 0.08);
  transform: translateX(4px);
}

.picker-result {
  text-align: center;
  animation: fadeSlideIn 0.4s ease;
}

.picker-result-icon {
  font-size: 3rem;
  color: var(--gold);
  margin-bottom: 12px;
}

.picker-result-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.6rem;
  color: var(--gold);
  margin-bottom: 12px;
}

.picker-result-desc {
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.95rem;
  line-height: 1.6;
  margin-bottom: 24px;
}

/* Rate Display Box */
.rate-display-box {
  text-align: center;
  padding: 30px;
  margin: 24px 0;
  background: rgba(13, 27, 42, 0.78);
  border: 2px solid rgba(191, 143, 0, 0.3);
  backdrop-filter: blur(8px);
  border-radius: 16px;
}

.rate-display-label {
  display: block;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: rgba(255, 255, 255, 0.4);
  margin-bottom: 8px;
}

.rate-display-value {
  display: block;
  font-family: 'Outfit', sans-serif;
  font-size: 2.4rem;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: -0.02em;
}

.rate-display-sub {
  display: block;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.5);
  margin-top: 6px;
}

/* Bonus Toggle */
.bonus-toggle-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 20px;
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.06);
  border-radius: 12px;
}

.bonus-toggle-btn {
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}

.bonus-toggle-track {
  display: block;
  width: 52px;
  height: 28px;
  background: rgba(255, 255, 255, 0.12);
  border-radius: 14px;
  position: relative;
  transition: background 0.3s ease;
}

.bonus-toggle-thumb {
  display: block;
  width: 22px;
  height: 22px;
  background: #666;
  border-radius: 50%;
  position: absolute;
  top: 3px;
  left: 3px;
  transition: all 0.3s ease;
}

.bonus-toggle-btn.active .bonus-toggle-track {
  background: rgba(191, 143, 0, 0.3);
}

.bonus-toggle-btn.active .bonus-toggle-thumb {
  background: var(--gold);
  left: 27px;
}

/* Bonus Tier Picker — "Would you rather" */
.bonus-tier-picker {
  margin-top: 20px;
  animation: fadeSlideIn 0.4s ease;
}

.bonus-tier-picker label {
  display: block;
  font-size: 0.95rem;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 12px;
}

.bonus-tier-options {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.bonus-tier-option {
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding: 16px 20px;
  background: rgba(255, 255, 255, 0.03);
  border: 2px solid rgba(255, 255, 255, 0.08);
  border-radius: 12px;
  cursor: pointer;
  transition: all 0.25s ease;
  text-align: left;
  font-family: 'Outfit', sans-serif;
  color: var(--white);
}

.bonus-tier-option:hover {
  border-color: rgba(191, 143, 0, 0.4);
  background: rgba(191, 143, 0, 0.06);
}

.bonus-tier-option.selected {
  border-color: var(--gold);
  background: rgba(191, 143, 0, 0.1);
  box-shadow: 0 0 16px rgba(191, 143, 0, 0.1);
}

.bonus-tier-label {
  font-weight: 600;
  font-size: 1rem;
}

.bonus-tier-desc {
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.5);
}

.field-note {
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.35);
  margin-top: 8px;
}

.state-note {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 14px 18px;
  margin-top: 12px;
  background: rgba(191, 143, 0, 0.06);
  border: 1px solid rgba(191, 143, 0, 0.15);
  border-radius: 10px;
  font-size: 0.88rem;
  color: rgba(255, 255, 255, 0.65);
  animation: fadeSlideIn 0.3s ease;
}

.state-note i {
  color: var(--gold);
  font-size: 1.1rem;
  flex-shrink: 0;
}

/* Source Categories */
.source-category {
  margin-bottom: 20px;
}

.source-category-label {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: rgba(255, 255, 255, 0.4);
  margin-bottom: 10px;
  padding-left: 4px;
}

.source-roth i {
  color: var(--gold);
  font-size: 0.7rem;
  margin-left: 4px;
}

/* Roth Callout */
.roth-callout {
  display: flex;
  gap: 16px;
  padding: 20px;
  margin-bottom: 24px;
  background: rgba(191, 143, 0, 0.06);
  border-left: 4px solid var(--gold);
  border-radius: 0 12px 12px 0;
  animation: fadeSlideIn 0.4s ease;
}

.roth-callout-icon {
  font-size: 1.5rem;
  color: var(--gold);
  flex-shrink: 0;
}

.roth-callout-text strong {
  display: block;
  color: var(--gold);
  margin-bottom: 6px;
}

.roth-callout-text p {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.6;
  margin: 0;
}

@keyframes fadeSlideIn {
  from { opacity: 0; transform: translateY(-10px); }
  to { opacity: 1; transform: translateY(0); }
}

/* Premium Input */
.premium-input-group { margin-top: 8px; }

.premium-display {
  display: flex;
  align-items: center;
  gap: 4px;
  margin-bottom: 12px;
}

.premium-display input {
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--gold);
  background: transparent;
  border: none;
  border-bottom: 2px solid rgba(191, 143, 0, 0.3);
  font-family: 'Outfit', sans-serif;
  width: 100%;
  padding: 8px 0;
}

.premium-display input:focus {
  outline: none;
  border-bottom-color: var(--gold);
}

.premium-display .currency-prefix {
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--gold);
}

/* Section Divider & Subheading (Stage 5) */
.section-divider {
  height: 1px;
  background: rgba(255, 255, 255, 0.08);
  margin: 32px 0;
}

.section-subheading {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.5);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 16px;
}

/* Illustration Summary */
.illustration-summary { margin-bottom: 32px; }

.illust-summary-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px 40px;
  padding: 40px 48px;
  background: rgba(255, 255, 255, 0.03);
  border: 2px solid rgba(191, 143, 0, 0.2);
  border-radius: 20px;
}

.illust-item {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.illust-item.full-width {
  grid-column: 1 / -1;
  padding-top: 20px;
  margin-top: 8px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.illust-label {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: rgba(255, 255, 255, 0.4);
}

.illust-value {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--white);
  font-family: 'Cormorant Garamond', serif;
}

/* Illustration Chart */
.illustration-chart-wrap {
  height: 350px;
  margin-bottom: 32px;
}

/* Financial Context Card */
.context-card {
  padding: 20px;
  background: rgba(255, 255, 255, 0.02);
  border: 1px solid rgba(255, 255, 255, 0.06);
  border-radius: 12px;
  margin-bottom: 40px;
}

.context-card h4 {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: rgba(255, 255, 255, 0.35);
  margin-bottom: 12px;
}

.context-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 16px 32px;
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.6);
}

.context-grid .positive { color: var(--success); }
.context-grid .negative { color: #ef4444; }

/* Product Modal */
.product-modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.7);
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  backdrop-filter: blur(4px);
}

.product-modal {
  background: var(--navy);
  border: 1px solid rgba(191, 143, 0, 0.2);
  border-radius: 20px;
  padding: 40px;
  max-width: 600px;
  width: 100%;
  max-height: 80vh;
  overflow-y: auto;
  position: relative;
  animation: fadeSlideIn 0.35s ease;
}

.product-modal-close {
  position: absolute;
  top: 16px;
  right: 20px;
  background: none;
  border: none;
  color: rgba(255, 255, 255, 0.4);
  font-size: 1.8rem;
  cursor: pointer;
}

.product-modal-close:hover { color: var(--gold); }

.product-modal-icon {
  font-size: 2.5rem;
  color: var(--gold);
  margin-bottom: 12px;
}

.product-modal h3 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.6rem;
  color: var(--gold);
  margin-bottom: 16px;
}

.product-modal-body {
  color: rgba(255, 255, 255, 0.8);
  line-height: 1.7;
  font-size: 0.95rem;
}

.product-modal-body ul {
  margin: 12px 0;
  padding-left: 20px;
}

.product-modal-body li { margin-bottom: 8px; }

.modal-example {
  margin-top: 16px;
  padding: 16px;
  background: rgba(191, 143, 0, 0.06);
  border-left: 3px solid var(--gold);
  border-radius: 0 8px 8px 0;
  font-size: 0.9rem;
}

/* Disabled button state */
.btn-primary:disabled {
  opacity: 0.4;
  cursor: not-allowed;
  transform: none !important;
  box-shadow: none !important;
}

@media (max-width: 768px) {
  .strategy-pick-grid { grid-template-columns: repeat(2, 1fr); gap: 14px; }
  .flip-card { height: auto; min-height: 180px; perspective: none; }
  .flip-card-inner { transform-style: flat; transition: none; }
  .flip-card:hover .flip-card-inner,
  .flip-card.flipped .flip-card-inner { transform: none; }
  .flip-card-front,
  .flip-card-back {
    position: relative;
    backface-visibility: visible;
    -webkit-backface-visibility: visible;
    transform: none;
  }
  .flip-card-back {
    display: none;
    font-size: 0.8rem;
    padding: 16px;
    line-height: 1.5;
  }
  .flip-card.selected .flip-card-front { display: none; }
  .flip-card.selected .flip-card-back { display: flex; }
  .flip-card-front h3 { font-size: 1rem; }
  .flip-card-front p { font-size: 0.78rem; }
  .flip-card-icon { font-size: 1.8rem; }
  .flip-hint { display: none; }
  .whats-this-btn { font-size: 0.72rem; padding: 6px 12px; }
  .rate-display-value { font-size: 2.2rem; }
  .illust-summary-grid { grid-template-columns: 1fr 1fr; }
  .cart-bar { justify-content: flex-start; }
  .page-nav-center { display: none; }
  .page-nav-brand span { display: none; }
  .cart-slot { padding: 0 10px; min-width: 50px; }
  .cart-value { font-size: 0.7rem; }
}


/* ==============================
   BUTTONS
   ============================== */
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--gold);
  color: var(--navy);
  padding: 14px 32px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 1rem;
  border: none;
  cursor: pointer;
  transition: all 0.3s ease;
  text-decoration: none;
  font-family: 'Outfit', sans-serif;
}

.btn-primary:hover {
  background: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(191, 143, 0, 0.3);
  color: var(--navy);
}

.btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: transparent;
  color: var(--gold);
  padding: 12px 28px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 0.9rem;
  border: 2px solid var(--gold);
  cursor: pointer;
  transition: all 0.3s ease;
  text-decoration: none;
  font-family: 'Outfit', sans-serif;
}

.btn-outline:hover {
  background: var(--gold);
  color: var(--navy);
}


/* ==============================
   ABOUT PAGE
   ============================== */
.about-section {
  background: var(--off-white);
  color: var(--dark-text);
  padding: 80px 0 40px;
  min-height: 100vh;
}

.about-layout {
  display: flex;
  gap: 60px;
  align-items: center;
  margin-bottom: 80px;
}

.about-photo { flex: 0 0 40%; }
.about-text { flex: 1; }

.about-text .section-title { text-align: left; color: var(--navy); }

.about-text p {
  color: #555;
  margin-bottom: 16px;
  font-size: 1.05rem;
  line-height: 1.7;
}

.about-promise {
  font-family: 'Caveat', cursive;
  font-size: 1.4rem !important;
  color: var(--gold) !important;
  margin-top: 20px !important;
}

.credentials {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 24px;
}

.credentials span {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.85rem;
  color: var(--navy);
  background: var(--white);
  padding: 8px 16px;
  border-radius: 20px;
  border: 1px solid var(--light-gray);
}

.credentials i { color: var(--gold); }

/* Why section within about */
.about-why {
  padding: 60px 0;
  border-top: 1px solid var(--light-gray);
}

.about-why .section-title { color: var(--navy); }

.feature-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin-top: 30px;
}

.feature-card {
  background: var(--white);
  padding: 30px 24px;
  border-radius: 12px;
  border: 1px solid var(--light-gray);
  transition: all 0.3s ease;
}

.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 30px rgba(0, 0, 0, 0.08);
}

.feature-icon { font-size: 1.8rem; color: var(--gold); margin-bottom: 12px; }
.feature-card h4 { font-size: 1.2rem; color: var(--navy); margin-bottom: 8px; }
.feature-card p { color: #666; font-size: 0.9rem; }

/* Trust signals within about */
.about-trust {
  padding: 40px 0;
  border-top: 1px solid var(--light-gray);
}

/* ==============================
   GOOGLE REVIEWS SECTION
   ============================== */
.reviews-section {
  padding: 50px 0 40px;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
}
.reviews-header {
  text-align: center;
  margin-bottom: 32px;
}
.reviews-title-wrap {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  margin-bottom: 10px;
}
.reviews-title-wrap .section-title {
  margin: 0;
}
.reviews-google-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 10px 20px;
  background: rgba(13, 27, 42, 0.72);
  border: 1.5px solid rgba(191, 143, 0, 0.35);
  border-radius: 40px;
  backdrop-filter: blur(8px);
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.25);
}
.reviews-google-badge svg {
  flex-shrink: 0;
}
.reviews-google-badge > span {
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--white);
}
.reviews-stars-badge {
  display: flex;
  gap: 2px;
  color: #FFC107;
  font-size: 0.85rem;
}
.reviews-sub {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.55);
  max-width: 520px;
  margin: 0 auto;
}

.reviews-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 18px;
  margin-bottom: 28px;
}
.review-card {
  background: rgba(13, 27, 42, 0.78);
  border: 1px solid rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(8px);
  border-radius: 14px;
  padding: 22px 20px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  transition: all 0.3s ease;
  position: relative;
  overflow: hidden;
}
.review-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, #4285F4, #EA4335, #FBBC04, #34A853);
  opacity: 0.7;
}
.review-card:hover {
  transform: translateY(-3px);
  border-color: rgba(191, 143, 0, 0.35);
  box-shadow: 0 8px 28px rgba(0, 0, 0, 0.3);
}
.review-stars {
  display: flex;
  gap: 3px;
  color: #FFC107;
  font-size: 1rem;
}
.review-text {
  font-size: 0.92rem;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.85);
  flex: 1;
  font-style: italic;
  margin: 0;
}
.review-author {
  display: flex;
  align-items: center;
  gap: 12px;
  padding-top: 14px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}
.review-avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.9rem;
  flex-shrink: 0;
}
.review-meta {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.review-meta strong {
  font-size: 0.88rem;
  color: var(--white);
  font-weight: 600;
}
.review-meta span {
  font-size: 0.72rem;
  color: rgba(255, 255, 255, 0.4);
}
.reviews-cta {
  text-align: center;
}
.reviews-cta .btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 12px 24px;
  font-size: 0.9rem;
}
.reviews-cta .btn-outline i {
  font-size: 1.1rem;
}

.trust-grid {
  display: flex;
  justify-content: center;
  gap: 30px;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  color: #666;
}

.trust-item i { font-size: 1.1rem; color: var(--gold); }

/* Zoom section within about */
.about-zoom {
  padding: 60px 0;
  text-align: center;
  background: var(--gold);
  color: var(--navy);
  margin: 40px -24px;
  padding-left: 24px;
  padding-right: 24px;
  border-radius: 16px;
}

.about-zoom .section-title { color: var(--navy); }

.zoom-schedule { font-size: 1.1rem; font-weight: 600; margin-bottom: 6px; }
.zoom-comfort { font-size: 0.95rem; margin-bottom: 24px; opacity: 0.8; }

.zoom-bullets {
  list-style: none;
  max-width: 500px;
  margin: 0 auto 24px;
  text-align: left;
}

.zoom-bullets li {
  padding: 6px 0 6px 24px;
  position: relative;
  font-size: 0.9rem;
}

.zoom-bullets li::before {
  content: '\2713';
  position: absolute;
  left: 0;
  font-weight: 700;
}

.phone-link {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2.2rem;
  color: var(--navy);
  font-weight: 700;
  display: block;
  margin: 8px 0;
}

.phone-link:hover { color: #1F3864; }


/* ==============================
   ASSESSMENT PAGE
   ============================== */
.assessment-page {
  background: var(--navy);
  color: var(--white);
  min-height: calc(100vh - 110px);
  padding: 40px 0 60px;
  position: relative;
}
.assessment-page::before {
  content: '';
  position: fixed;
  inset: 0;
  background:
    linear-gradient(180deg, rgba(255,255,255,0.08) 0%, rgba(255,255,255,0.03) 50%, rgba(255,255,255,0.08) 100%),
    url('../assets/seniorbeach.jpg') center/cover no-repeat;
  opacity: 0.22;
  z-index: 0;
  pointer-events: none;
}
.assessment-page > * {
  position: relative;
  z-index: 1;
}

/* Stage system */
.assess-stage { display: none; }
.assess-stage.active { display: block; animation: fadeSlideUp 0.4s ease; }

@keyframes fadeSlideUp {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}

.stage-header {
  text-align: center;
  margin-bottom: 40px;
}

.stage-number {
  font-family: 'Cormorant Garamond', serif;
  font-size: 3rem;
  color: rgba(191, 143, 0, 0.2);
  font-weight: 700;
  display: block;
  margin-bottom: 8px;
}

.stage-header h2 {
  font-size: 2rem;
  color: var(--gold);
  margin-bottom: 10px;
}

.stage-header p { color: rgba(255, 255, 255, 0.55); }

.stage-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 12px;
  padding: 6px 14px;
  background: rgba(191, 143, 0, 0.08);
  border: 1px solid rgba(191, 143, 0, 0.15);
  border-radius: 20px;
  font-size: 0.75rem;
  color: var(--gold);
}

/* Assessment fields */
.assess-field {
  margin-bottom: 30px;
}

.assess-field label {
  display: block;
  font-size: 1.1rem;
  color: var(--white);
  margin-bottom: 14px;
  font-weight: 500;
}

.assess-field select {
  width: 100%;
  padding: 14px 16px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 10px;
  color: var(--white);
  font-family: 'Outfit', sans-serif;
  font-size: 0.95rem;
}

.assess-field select option { background: var(--navy); }

/* Quiz option buttons */
.quiz-options {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.quiz-options.horizontal {
  flex-direction: row;
  flex-wrap: wrap;
}

.quiz-options.horizontal .quiz-option {
  flex: 1;
  min-width: 120px;
  text-align: center;
}

.quiz-option {
  padding: 16px 20px;
  background: rgba(13, 27, 42, 0.7);
  border: 1px solid rgba(255, 255, 255, 0.15);
  backdrop-filter: blur(8px);
  border-radius: 12px;
  color: var(--white);
  font-family: 'Outfit', sans-serif;
  font-size: 0.95rem;
  cursor: pointer;
  transition: all 0.3s ease;
  text-align: left;
}

.quiz-option:hover {
  background: rgba(191, 143, 0, 0.1);
  border-color: rgba(191, 143, 0, 0.4);
  transform: translateX(4px);
}

.quiz-option.selected {
  background: rgba(191, 143, 0, 0.15);
  border-color: var(--gold);
  color: var(--gold);
}

.quiz-option strong { color: var(--gold); }

/* Asset Input Rows */
.asset-inputs {
  display: flex;
  flex-direction: column;
  gap: 2px;
  margin-bottom: 24px;
}

.asset-row {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 14px 16px;
  background: rgba(13, 27, 42, 0.65);
  border: 1px solid rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(6px);
  border-radius: 10px;
  transition: all 0.2s ease;
}

.asset-row:hover {
  background: rgba(255, 255, 255, 0.04);
  border-color: rgba(255, 255, 255, 0.08);
}

.asset-row:focus-within {
  border-color: var(--gold);
  background: rgba(191, 143, 0, 0.04);
}

.asset-icon {
  font-size: 1.3rem;
  color: var(--gold);
  width: 36px;
  text-align: center;
  flex-shrink: 0;
}

.asset-info {
  flex: 1;
  display: flex;
  flex-direction: column;
  min-width: 0;
}

.asset-name {
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--white);
}

.asset-desc {
  font-size: 0.72rem;
  color: rgba(255, 255, 255, 0.35);
}

.asset-input {
  display: flex;
  align-items: center;
  gap: 4px;
  flex-shrink: 0;
}

.currency-prefix {
  color: rgba(255, 255, 255, 0.4);
  font-size: 1rem;
  font-weight: 600;
}

.currency-suffix {
  color: rgba(255, 255, 255, 0.3);
  font-size: 0.75rem;
}

.asset-input input {
  width: 120px;
  padding: 8px 12px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 8px;
  color: var(--gold);
  font-family: 'Outfit', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  text-align: right;
}

.asset-input input:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 2px rgba(191, 143, 0, 0.15);
}

.asset-input input::placeholder { color: rgba(255, 255, 255, 0.2); }

/* Hide number spinners */
.asset-input input::-webkit-outer-spin-button,
.asset-input input::-webkit-inner-spin-button {
  -webkit-appearance: none;
  margin: 0;
}
.asset-input input[type="number"] { -moz-appearance: textfield; }

/* Autofill button */
.autofill-wrap {
  margin-bottom: 24px;
}
.autofill-btn {
  display: flex;
  align-items: center;
  gap: 16px;
  width: 100%;
  padding: 18px 24px;
  background: linear-gradient(135deg, rgba(191, 143, 0, 0.15), rgba(212, 167, 32, 0.08));
  border: 2px solid rgba(191, 143, 0, 0.35);
  border-radius: 14px;
  color: var(--white);
  font-family: 'Outfit', sans-serif;
  cursor: pointer;
  transition: all 0.3s ease;
  backdrop-filter: blur(8px);
  text-align: left;
}
.autofill-btn:hover {
  background: linear-gradient(135deg, rgba(191, 143, 0, 0.25), rgba(212, 167, 32, 0.15));
  border-color: var(--gold);
  transform: translateY(-2px);
  box-shadow: 0 6px 24px rgba(191, 143, 0, 0.2);
}
.autofill-btn > i:first-child {
  font-size: 1.6rem;
  color: var(--gold);
  flex-shrink: 0;
}
.autofill-text {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.autofill-text strong {
  font-size: 1rem;
  color: var(--gold-light);
  font-weight: 700;
}
.autofill-text small {
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.6);
  line-height: 1.4;
  font-weight: 400;
}
.autofill-arrow {
  color: var(--gold);
  font-size: 1.1rem;
  opacity: 0.5;
  transition: all 0.3s;
  flex-shrink: 0;
}
.autofill-btn:hover .autofill-arrow {
  opacity: 1;
  transform: translateX(4px);
}
.autofill-btn.filled {
  background: linear-gradient(135deg, rgba(34, 197, 94, 0.15), rgba(34, 197, 94, 0.08));
  border-color: rgba(34, 197, 94, 0.4);
}
.autofill-btn.filled > i:first-child { color: #22c55e; }
.autofill-btn.filled .autofill-text strong { color: #22c55e; }

/* Running Totals */
.running-total {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px 20px;
  border-radius: 10px;
  margin-bottom: 12px;
}

.running-total { backdrop-filter: blur(8px); }
.running-total.qualified { background: rgba(13, 27, 42, 0.75); border: 1px solid rgba(100, 149, 237, 0.3); }
.running-total.non-qualified { background: rgba(13, 27, 42, 0.75); border: 1px solid rgba(147, 112, 219, 0.3); }
.running-total.grand { background: rgba(13, 27, 42, 0.82); border: 2px solid rgba(191, 143, 0, 0.35); }
.running-total.income { background: rgba(13, 27, 42, 0.75); border: 1px solid rgba(34, 197, 94, 0.3); }
.running-total.expenses { background: rgba(13, 27, 42, 0.75); border: 1px solid rgba(239, 68, 68, 0.25); }
.running-total.cashflow { background: rgba(13, 27, 42, 0.8); border: 1px solid rgba(255, 255, 255, 0.15); }

.running-total-label {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.6);
  display: flex;
  align-items: center;
  gap: 6px;
}

.running-total-value {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--gold);
}

.running-total-value.positive { color: var(--success); }
.running-total-value.negative { color: var(--danger); }

/* Stage Navigation */
.stage-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 40px;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
}

/* Financial Snapshot */
.snapshot-card {
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 16px;
  padding: 30px;
  margin-bottom: 40px;
}

.snapshot-row {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}

.snapshot-item {
  flex: 1;
  min-width: 140px;
  text-align: center;
  padding: 16px;
}

.snapshot-item.highlight {
  background: rgba(191, 143, 0, 0.08);
  border-radius: 12px;
}

.snapshot-label {
  display: block;
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.45);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 6px;
}

.snapshot-value {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--gold);
}

.snapshot-value.green { color: var(--success); }
.snapshot-value.red { color: var(--danger); }

.snapshot-divider {
  height: 1px;
  background: rgba(255, 255, 255, 0.06);
  margin: 16px 0;
}

/* Recommendation Cards */
.rec-card {
  background: rgba(191, 143, 0, 0.06);
  border: 1px solid rgba(191, 143, 0, 0.15);
  border-radius: 16px;
  padding: 30px;
  margin-bottom: 30px;
}

.rec-card.caution {
  background: rgba(245, 158, 11, 0.06);
  border-color: rgba(245, 158, 11, 0.2);
}

.rec-icon {
  font-size: 2rem;
  color: var(--gold);
  margin-bottom: 12px;
}

.rec-card.caution .rec-icon { color: var(--warning); }

.rec-card h3 {
  color: var(--gold);
  font-size: 1.5rem;
  margin-bottom: 14px;
}

.rec-card p {
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 12px;
  font-size: 0.95rem;
  line-height: 1.6;
}

.rec-card ul {
  padding-left: 20px;
  color: rgba(255, 255, 255, 0.6);
  margin-top: 16px;
}

.rec-card li { margin-bottom: 6px; font-size: 0.9rem; }

.rec-note {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 16px;
  background: rgba(255, 255, 255, 0.03);
  border-radius: 10px;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.55);
  margin-bottom: 30px;
  font-style: italic;
}

.rec-note i { color: var(--gold); flex-shrink: 0; margin-top: 2px; }

/* Product Explorer */
.product-explorer {
  margin-top: 40px;
  padding-top: 40px;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
}

.product-explorer h3 {
  color: var(--gold);
  font-size: 1.8rem;
  text-align: center;
  margin-bottom: 8px;
}

.product-cards {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: 16px;
  margin-top: 30px;
}

.product-card {
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 14px;
  padding: 24px 20px;
  cursor: pointer;
  transition: all 0.3s ease;
}

.product-card:hover {
  border-color: var(--gold);
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(191, 143, 0, 0.12);
}

.product-card-icon { font-size: 1.8rem; color: var(--gold); margin-bottom: 12px; }

.product-card h4 {
  font-size: 1.1rem;
  color: var(--white);
  margin-bottom: 6px;
}

.product-card-rate {
  font-size: 0.8rem;
  color: var(--gold);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  display: block;
  margin-bottom: 10px;
}

.product-card p {
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.45);
  margin-bottom: 14px;
}

.product-card-cta {
  font-size: 0.8rem;
  color: var(--gold);
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 6px;
}

/* Product Detail Panel */
.product-detail {
  background: rgba(13, 27, 42, 0.95);
  border: 1px solid rgba(191, 143, 0, 0.2);
  border-radius: 20px;
  padding: 40px;
  margin-top: 30px;
  position: relative;
  animation: fadeSlideUp 0.35s ease;
}

.product-detail-close {
  position: absolute;
  top: 16px;
  right: 20px;
  background: none;
  border: none;
  color: rgba(255, 255, 255, 0.4);
  font-size: 1.8rem;
  cursor: pointer;
  transition: color 0.2s;
}

.product-detail-close:hover { color: var(--white); }

.product-detail-header { margin-bottom: 30px; }

.product-detail-icon { font-size: 2.5rem; color: var(--gold); margin-bottom: 12px; }

.product-detail-header h3 {
  font-size: 1.6rem;
  color: var(--gold);
  margin-bottom: 10px;
}

.product-detail-header p {
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.95rem;
}

.product-detail-bestfor {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 12px;
  padding: 6px 14px;
  background: rgba(191, 143, 0, 0.08);
  border-radius: 20px;
  font-size: 0.78rem;
  color: var(--gold-light);
}

/* Spec Grid */
.spec-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
  gap: 12px;
  margin-bottom: 30px;
}

.spec {
  display: flex;
  flex-direction: column;
  padding: 14px;
  background: rgba(255, 255, 255, 0.03);
  border-radius: 10px;
}

.spec-label {
  font-size: 0.7rem;
  color: rgba(255, 255, 255, 0.4);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 4px;
}

.spec-value {
  font-size: 0.95rem;
  color: var(--white);
  font-weight: 600;
}

.spec-value.gold { color: var(--gold); }

/* Product Timeline Table */
.product-detail-timeline {
  margin-top: 30px;
}

.product-detail-timeline h4 {
  color: var(--gold);
  margin-bottom: 6px;
}

/* Product chart needs a wrapper div for Chart.js responsive sizing */
.product-detail-timeline canvas {
  margin-bottom: 24px;
}

.product-detail-timeline {
  margin-top: 40px;
}

.product-chart-container {
  position: relative;
  width: 100%;
  height: 550px;
  margin-bottom: 24px;
}

.product-timeline-table table {
  width: 100%;
  border-collapse: collapse;
  font-size: 1.05rem;
}

.product-timeline-table th {
  text-align: left;
  padding: 14px 16px;
  border-bottom: 2px solid rgba(191, 143, 0, 0.2);
  color: var(--gold);
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 1px;
}

.product-timeline-table td {
  padding: 14px 16px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.04);
  color: rgba(255, 255, 255, 0.7);
}

.product-timeline-table td.gold { color: var(--gold); font-weight: 600; }

/* === AUM FEE TRUTH SECTION === */
.aum-truth-section {
  margin-top: 60px;
  padding: 50px 0;
  border-top: 1px solid rgba(191, 143, 0, 0.15);
}

.aum-callout {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  background: rgba(196, 30, 58, 0.08);
  border: 1px solid rgba(196, 30, 58, 0.3);
  border-radius: 12px;
  padding: 20px 24px;
  margin: 30px 0;
}
.aum-callout-icon {
  font-size: 1.8rem;
  color: #C41E3A;
  flex-shrink: 0;
  line-height: 1;
}
.aum-callout-text {
  font-size: 1.05rem;
  color: rgba(255, 255, 255, 0.85);
  line-height: 1.6;
}
.aum-callout-text strong {
  color: #fff;
}

.aum-comparison {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 0;
  margin: 40px 0;
  align-items: stretch;
}
.aum-col {
  background: rgba(255, 255, 255, 0.02);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 16px;
  padding: 28px 24px;
}
.aum-col-header {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 20px;
}
.aum-col-header i {
  font-size: 1.5rem;
}
.aum-col-header h4 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.3rem;
  font-weight: 600;
}
.aum-advisor .aum-col-header i { color: #C41E3A; }
.aum-advisor .aum-col-header h4 { color: rgba(255, 255, 255, 0.7); }
.aum-annuity .aum-col-header i { color: var(--gold); }
.aum-annuity .aum-col-header h4 { color: var(--gold); }
.aum-annuity { border-color: rgba(191, 143, 0, 0.25); }

.aum-col ul {
  list-style: none;
  padding: 0;
  margin: 0;
}
.aum-col li {
  padding: 8px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.04);
  font-size: 0.92rem;
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.5;
}
.aum-col li:last-child { border-bottom: none; }
.aum-col li .red { color: #C41E3A; font-weight: 600; }
.aum-col li .gold { color: var(--gold); font-weight: 600; }

.aum-total {
  margin-top: 16px;
  padding: 14px 16px;
  border-radius: 10px;
  text-align: center;
}
.aum-total span {
  display: block;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 4px;
  opacity: 0.6;
}
.aum-total strong {
  font-size: 1.4rem;
}
.aum-total.red {
  background: rgba(196, 30, 58, 0.1);
  border: 1px solid rgba(196, 30, 58, 0.3);
  color: #C41E3A;
}
.aum-total.gold {
  background: rgba(191, 143, 0, 0.1);
  border: 1px solid rgba(191, 143, 0, 0.3);
  color: var(--gold);
}

.aum-vs {
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.8rem;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.2);
  padding: 0 20px;
}

.aum-math-box {
  background: rgba(255, 255, 255, 0.02);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 16px;
  padding: 28px 24px;
  margin: 40px 0;
}
.aum-math-box h4 {
  font-family: 'Outfit', sans-serif;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--gold);
  margin-bottom: 20px;
}
.aum-math-box h4 i { margin-right: 8px; }

.aum-math-grid {
  display: grid;
  gap: 0;
}
.aum-math-row {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr;
  gap: 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
}
.aum-math-row span {
  padding: 10px 14px;
  font-size: 0.88rem;
  color: rgba(255, 255, 255, 0.7);
}
.aum-math-row.header span {
  font-weight: 600;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: rgba(255, 255, 255, 0.45);
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
.aum-math-row.highlight {
  background: rgba(191, 143, 0, 0.06);
  border-radius: 8px;
  border-bottom: none;
  margin-top: 4px;
}
.aum-math-row.highlight span { font-weight: 600; color: #fff; }
.aum-math-row .red { color: #C41E3A; font-weight: 600; }
.aum-math-row .gold { color: var(--gold); font-weight: 600; }

.aum-bottom-line {
  margin: 40px 0 30px;
  text-align: center;
}
.aum-bottom-line h4 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.6rem;
  color: var(--gold);
  margin-bottom: 16px;
}
.aum-bottom-line p {
  font-size: 1rem;
  color: rgba(255, 255, 255, 0.75);
  max-width: 700px;
  margin: 0 auto 14px;
  line-height: 1.7;
}
.aum-bottom-line .red { color: #C41E3A; }
.aum-bottom-line .gold { color: var(--gold); }
.aum-disclaimer {
  font-size: 0.75rem !important;
  color: rgba(255, 255, 255, 0.3) !important;
  margin-top: 20px !important;
  font-style: italic;
}

.aum-cta {
  text-align: center;
  margin-bottom: 20px;
}
.aum-cta .btn-primary {
  font-size: 1.1rem;
  padding: 16px 36px;
}

@media (max-width: 768px) {
  .aum-comparison {
    grid-template-columns: 1fr;
    gap: 16px;
  }
  .aum-vs {
    font-size: 1.3rem;
    padding: 8px 0;
  }
  .aum-math-row {
    grid-template-columns: 1fr;
    gap: 0;
  }
  .aum-math-row span {
    padding: 4px 14px;
  }
  .aum-math-row span:first-child {
    font-weight: 600;
    color: rgba(255, 255, 255, 0.5);
    padding-top: 10px;
  }
  .aum-math-row.header { display: none; }
}

/* === "WHAT IF..." SCENARIO FEATURE === */

.whatif-btn {
  background: rgba(191, 143, 0, 0.08);
  border: 1px solid rgba(191, 143, 0, 0.5);
  color: var(--gold);
  padding: 8px 16px;
  border-radius: 20px;
  font-size: 0.82rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.25s ease;
  white-space: nowrap;
  font-family: 'Outfit', sans-serif;
}

.whatif-btn:hover {
  background: rgba(191, 143, 0, 0.12);
  border-color: var(--gold);
}

.whatif-btn.active {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}

.whatif-panel-row td {
  padding: 0 !important;
  border-bottom: none !important;
}

.whatif-panel {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding 0.3s ease;
  background: rgba(15, 30, 50, 0.6);
  border-left: 3px solid var(--gold);
  border-radius: 0 0 8px 8px;
}

.whatif-panel.open {
  max-height: 800px;
  padding: 20px 24px;
}

.whatif-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 16px;
}

.whatif-tab {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.12);
  color: rgba(255, 255, 255, 0.65);
  padding: 7px 14px;
  border-radius: 6px;
  font-size: 0.78rem;
  cursor: pointer;
  transition: all 0.2s ease;
  font-family: 'Outfit', sans-serif;
}

.whatif-tab:hover {
  background: rgba(191, 143, 0, 0.1);
  color: rgba(255, 255, 255, 0.9);
  border-color: rgba(191, 143, 0, 0.3);
}

.whatif-tab.active {
  background: rgba(191, 143, 0, 0.15);
  color: var(--gold);
  border-color: var(--gold);
  font-weight: 600;
}

.whatif-tab-content {
  animation: whatifFadeIn 0.3s ease;
}

@keyframes whatifFadeIn {
  from { opacity: 0; transform: translateY(6px); }
  to   { opacity: 1; transform: translateY(0); }
}

.whatif-scenario {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.whatif-line-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 8px 14px;
  background: rgba(255, 255, 255, 0.03);
  border-radius: 5px;
  font-size: 0.88rem;
  color: rgba(255, 255, 255, 0.75);
}

.whatif-line-item.deduction {
  color: #ef9a9a;
}

.whatif-line-item.deduction span:last-child {
  color: var(--danger);
  font-weight: 600;
}

.whatif-line-item.positive {
  color: #a5d6a7;
}

.whatif-line-item.positive span:last-child {
  color: var(--success);
  font-weight: 600;
}

.whatif-total {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 14px;
  border-radius: 6px;
  font-size: 0.95rem;
  font-weight: 700;
  margin-top: 6px;
}

.whatif-total.low {
  background: rgba(34, 197, 94, 0.12);
  border: 1px solid rgba(34, 197, 94, 0.3);
  color: #4ade80;
}

.whatif-total.moderate {
  background: rgba(245, 158, 11, 0.12);
  border: 1px solid rgba(245, 158, 11, 0.3);
  color: #fbbf24;
}

.whatif-total.high {
  background: rgba(239, 68, 68, 0.12);
  border: 1px solid rgba(239, 68, 68, 0.3);
  color: #f87171;
}

.whatif-meta {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-top: 12px;
  padding-top: 12px;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
}

.whatif-note {
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.5);
  display: flex;
  align-items: flex-start;
  gap: 6px;
}

.whatif-note i {
  flex-shrink: 0;
  margin-top: 2px;
}

.whatif-severity {
  font-size: 0.78rem;
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 6px;
}

.whatif-severity.low { color: var(--success); }
.whatif-severity.moderate { color: var(--warning); }
.whatif-severity.high { color: var(--danger); }

.whatif-severity i { font-size: 0.5rem; }

/* 5×5 Annuitization Scenario Cards */
.annuitize-scenarios {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin: 16px 0;
}

.annuitize-scenario-card {
  padding: 16px 20px;
  border-radius: 12px;
  border: 1px solid rgba(255, 255, 255, 0.06);
  background: rgba(255, 255, 255, 0.02);
  transition: all 0.3s ease;
}

.annuitize-scenario-card.moderate {
  border-color: rgba(191, 143, 0, 0.2);
  background: rgba(191, 143, 0, 0.04);
}

.annuitize-scenario-card.best {
  border-color: rgba(34, 197, 94, 0.3);
  background: rgba(34, 197, 94, 0.04);
}

.annuitize-scenario-label {
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--white);
  margin-bottom: 2px;
}

.annuitize-scenario-card.moderate .annuitize-scenario-label { color: var(--gold); }
.annuitize-scenario-card.best .annuitize-scenario-label { color: var(--success); }

.annuitize-scenario-desc {
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.4);
  margin-bottom: 12px;
}

.annuitize-scenario-values {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
}

.annuitize-scenario-value {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.annuitize-val-label {
  font-size: 0.65rem;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: rgba(255, 255, 255, 0.35);
}

.annuitize-val-amount {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--white);
}

.annuitize-val-amount.gold { color: var(--gold); }

/* Responsive: stack tabs vertically on small screens */
@media (max-width: 600px) {
  .whatif-tabs { flex-direction: column; }
  .whatif-tab { text-align: left; }
  .whatif-panel.open { padding: 14px 12px; }
  .whatif-line-item { font-size: 0.8rem; padding: 6px 10px; }
  .whatif-total { font-size: 0.85rem; padding: 10px; }
  .whatif-btn { font-size: 0.68rem; padding: 4px 8px; }
}

.timeline-note-small {
  font-size: 0.72rem;
  color: rgba(255, 255, 255, 0.3);
  margin-top: 12px;
  font-style: italic;
}

.product-detail-cta {
  margin-top: 30px;
  text-align: center;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
}

/* Result CTA */
.result-cta {
  margin-top: 50px;
  padding-top: 40px;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  text-align: center;
}

.result-cta h3 { color: var(--gold); margin-bottom: 8px; }
.result-cta p { color: rgba(255, 255, 255, 0.55); margin-bottom: 24px; }

/* Quiz contact form (reused in results) */
.quiz-contact-form { margin: 20px 0; max-width: 500px; margin-left: auto; margin-right: auto; }
.quiz-contact-form h4 { color: var(--gold); margin-bottom: 16px; text-align: center; }

.quiz-contact-form form {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.quiz-contact-form input {
  width: 100%;
  padding: 14px 16px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 8px;
  color: var(--white);
  font-family: 'Outfit', sans-serif;
  font-size: 0.95rem;
}

.quiz-contact-form input::placeholder { color: rgba(255, 255, 255, 0.35); }

.quiz-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-top: 30px;
}

.quiz-actions .hub-path { flex: 1; min-width: 220px; }

/* Quiz time hint */
.quiz-time {
  color: rgba(255, 255, 255, 0.3);
  font-size: 0.85rem;
  margin-top: 10px;
}

.quiz-hint {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.35);
  margin-bottom: 20px;
}

/* Quiz question (legacy support for any remaining quiz-question elements) */
.quiz-question { display: none; }
.quiz-question.active { display: block; }
.quiz-question h3 { font-size: 1.4rem; color: var(--white); margin-bottom: 8px; }
.quiz-question h4 { font-size: 1.4rem; color: var(--white); margin-bottom: 8px; }


/* ==============================
   CALCULATOR PAGE
   ============================== */
.calculator-page {
  background: var(--navy);
  color: var(--white);
  padding: 60px 0 40px;
  min-height: 100vh;
  position: relative;
}
.calculator-page::before {
  content: '';
  position: fixed;
  inset: 0;
  background:
    linear-gradient(180deg, rgba(255,255,255,0.08) 0%, rgba(255,255,255,0.03) 50%, rgba(255,255,255,0.08) 100%),
    url('../assets/seniorbeach.jpg') center/cover no-repeat;
  opacity: 0.22;
  z-index: 0;
  pointer-events: none;
}
.calculator-page > * {
  position: relative;
  z-index: 1;
}

.calc-hero {
  text-align: center;
  padding: 40px 0 60px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
  margin-bottom: 60px;
}

.calc-hero h2 { font-size: 2.5rem; max-width: 700px; margin: 0 auto 16px; color: var(--white); }
.hero-sub { color: var(--gold); font-size: 1.1rem; font-weight: 500; letter-spacing: 1px; margin-bottom: 40px; }

.stat-boxes {
  display: flex;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
}

.stat-box {
  display: flex;
  flex-direction: column;
  align-items: center;
  min-width: 160px;
}

.stat-number {
  font-family: 'Cormorant Garamond', serif;
  font-size: 3.2rem;
  color: var(--gold);
  font-weight: 700;
  line-height: 1;
}

.stat-symbol {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.8rem;
  color: var(--gold);
  font-weight: 700;
}

.stat-label {
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.6);
  margin-top: 6px;
  text-transform: uppercase;
  letter-spacing: 1px;
}

/* Comparison */
.comparison-section-inner {
  padding: 60px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
  margin-bottom: 60px;
}

.comparison-visual {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 30px;
  margin: 40px 0 24px;
  flex-wrap: wrap;
}

.comparison-col {
  background: rgba(255, 255, 255, 0.04);
  padding: 36px;
  border-radius: 16px;
  text-align: center;
  min-width: 240px;
  flex: 1;
  max-width: 320px;
  border: 1px solid rgba(255, 255, 255, 0.08);
}

.comparison-col h4 { font-size: 1.2rem; color: var(--white); margin-bottom: 8px; }

.comparison-rate {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2.8rem;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 6px;
}

.comparison-rate.gold { color: var(--gold); }
.comparison-note { font-size: 0.8rem; color: rgba(255, 255, 255, 0.4); margin-bottom: 16px; }

.comparison-result { border-top: 1px solid rgba(255, 255, 255, 0.08); padding-top: 14px; }
.comparison-label { font-size: 0.75rem; color: rgba(255, 255, 255, 0.4); display: block; margin-bottom: 4px; }

.comparison-value {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--white);
}

.comparison-value.gold { color: var(--gold); }
.comparison-vs { font-family: 'Cormorant Garamond', serif; font-size: 1.8rem; color: rgba(255,255,255,0.2); font-weight: 700; }

.myga-col { border-color: var(--gold); box-shadow: 0 6px 24px rgba(191, 143, 0, 0.1); }

.comparison-summary { text-align: center; font-size: 1.1rem; color: var(--white); }

/* Calculator inputs */
.calc-section, .timeline-section-inner, .strategies-section-inner, .withdrawal-section-inner {
  padding: 60px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}

.calc-inputs { max-width: 600px; margin: 0 auto 30px; }

.calc-field { margin-bottom: 24px; }

.calc-field label {
  display: block;
  font-size: 0.8rem;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 8px;
  font-weight: 600;
}

.calc-field select,
.calc-field input[type="text"],
.calc-field input[type="email"],
.calc-field input[type="tel"] {
  width: 100%;
  padding: 12px 16px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 8px;
  color: var(--white);
  font-family: 'Outfit', sans-serif;
  font-size: 0.95rem;
}

.calc-field select option { background: var(--navy); color: var(--white); }

.slider-value {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.8rem;
  color: var(--gold);
  text-align: center;
  margin-bottom: 8px;
}

.calc-field input[type="range"] { width: 100%; accent-color: var(--gold); }

.slider-range {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.35);
  margin-top: 4px;
}

.myga-rate-display {
  text-align: center;
  color: var(--gold);
  font-size: 0.9rem;
  padding: 12px;
  background: rgba(191, 143, 0, 0.08);
  border-radius: 8px;
}

.calc-results { max-width: 600px; margin: 0 auto 30px; }
.calc-results h4 { color: var(--gold); margin-bottom: 16px; font-size: 1.2rem; }

.calc-row {
  display: flex;
  justify-content: space-between;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
  font-size: 0.95rem;
}

.calc-row span:first-child { color: rgba(255, 255, 255, 0.6); }
.calc-value { font-weight: 600; }
.calc-value.gold { color: var(--gold); }

.calc-row.highlight {
  background: rgba(191, 143, 0, 0.08);
  padding: 12px 16px;
  border-radius: 8px;
  border: none;
}

.chart-wrapper { position: relative; height: 550px; margin: 40px 0; }

.disclaimer { font-size: 0.75rem; color: rgba(255, 255, 255, 0.35); text-align: center; }

/* Timeline */
.timeline-chart-wrapper { position: relative; height: 600px; margin: 40px 0; }

.timeline-result {
  display: flex;
  justify-content: center;
  gap: 36px;
  flex-wrap: wrap;
  margin-bottom: 16px;
}

.timeline-result-item { display: flex; flex-direction: column; align-items: center; }

.timeline-result-label { font-size: 0.8rem; color: rgba(255,255,255,0.5); margin-bottom: 4px; }

.timeline-result-value {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--white);
}

.timeline-result-item.highlight {
  padding: 14px 24px;
  background: rgba(191, 143, 0, 0.08);
  border-radius: 12px;
}

.timeline-note { text-align: center; color: var(--green); font-size: 0.85rem; }

/* Strategies */
.strategy-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 30px;
}

.strategy-card {
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 12px;
  padding: 24px 20px;
  cursor: pointer;
  transition: all 0.3s ease;
}

.strategy-card:hover {
  transform: translateY(-3px);
  border-color: var(--gold);
  box-shadow: 0 8px 24px rgba(191, 143, 0, 0.12);
}

.strategy-card.expanded { border-color: var(--gold); }

.strategy-header { margin-bottom: 10px; }
.strategy-header h4 { font-size: 1.15rem; color: var(--gold); margin-bottom: 3px; }

.strategy-rate {
  font-size: 0.8rem;
  color: var(--gold-light);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
}

.strategy-card > p { color: rgba(255, 255, 255, 0.6); font-size: 0.85rem; margin-bottom: 8px; }

.strategy-best { font-size: 0.75rem; color: rgba(255, 255, 255, 0.3); display: block; }

.strategy-details {
  display: none;
  margin-top: 16px;
  padding-top: 16px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.strategy-card.expanded .strategy-details { display: block; }
.strategy-details p { color: rgba(255, 255, 255, 0.6); font-size: 0.85rem; margin-bottom: 12px; }


/* Withdrawal */
.withdrawal-results { max-width: 600px; margin: 0 auto; }

.withdrawal-severity {
  text-align: center;
  padding: 12px;
  border-radius: 8px;
  margin-bottom: 20px;
  font-weight: 700;
  font-size: 0.85rem;
  letter-spacing: 2px;
}

.withdrawal-severity.high-cost { background: rgba(239, 68, 68, 0.12); color: var(--danger); }
.withdrawal-severity.moderate-cost { background: rgba(245, 158, 11, 0.12); color: var(--warning); }
.withdrawal-severity.low-cost { background: rgba(34, 197, 94, 0.12); color: var(--success); }

.withdrawal-row {
  display: flex;
  justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
  font-size: 0.95rem;
}

.withdrawal-row.penalty span:last-child { color: var(--danger); }

.withdrawal-row.total {
  font-weight: 700;
  font-size: 1.1rem;
  border-top: 2px solid var(--gold);
  border-bottom: none;
  padding-top: 14px;
}

.withdrawal-row.total span:last-child { color: var(--gold); }

.withdrawal-summary {
  display: flex;
  justify-content: space-between;
  padding: 14px;
  background: rgba(255, 255, 255, 0.03);
  border-radius: 8px;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.6);
  margin: 16px 0;
}

.withdrawal-message { text-align: center; font-size: 0.95rem; color: rgba(255, 255, 255, 0.7); }


/* ==============================
   CONTACT PAGE
   ============================== */
.contact-page {
  background: var(--navy);
  color: var(--white);
  padding: 80px 0 40px;
  min-height: calc(100vh - 57px);
  position: relative;
}
.contact-page::before {
  content: '';
  position: fixed;
  inset: 0;
  background:
    linear-gradient(180deg, rgba(255,255,255,0.08) 0%, rgba(255,255,255,0.03) 50%, rgba(255,255,255,0.08) 100%),
    url('../assets/seniorbeach.jpg') center/cover no-repeat;
  opacity: 0.22;
  z-index: 0;
  pointer-events: none;
}
.contact-page > * {
  position: relative;
  z-index: 1;
}

.contact-hero {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 32px;
  margin-bottom: 48px;
}

.contact-photo {
  width: 220px;
  height: 280px;
  object-fit: cover;
  object-position: top center;
  border-radius: 12px;
  border: 2px solid rgba(191, 143, 0, 0.3);
  flex-shrink: 0;
}

.contact-hero-text .section-title {
  text-align: left;
}

.contact-subtitle {
  color: rgba(255, 255, 255, 0.6);
  max-width: 650px;
  margin: 0 0 0;
}

.contact-layout {
  display: flex;
  gap: 40px;
  align-items: flex-start;
}

.contact-methods {
  flex: 0 0 40%;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.contact-method {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 18px;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 10px;
  color: var(--white);
  transition: all 0.3s ease;
}

.contact-method:hover { border-color: var(--gold); color: var(--gold); }
.contact-method i { font-size: 1.2rem; color: var(--gold); }

.contact-form {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.contact-form input,
.contact-form textarea,
.contact-form select {
  width: 100%;
  padding: 14px 16px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 8px;
  color: var(--white);
  font-family: 'Outfit', sans-serif;
  font-size: 0.95rem;
}

.contact-form input::placeholder,
.contact-form textarea::placeholder { color: rgba(255, 255, 255, 0.35); }

.contact-form select option { background: var(--navy); }
.contact-form textarea { resize: vertical; }

.privacy-note { font-size: 0.8rem; color: rgba(255, 255, 255, 0.35); }

/* ==============================
   BOOKING CALENDAR
   ============================== */
.booking-section {
  margin-top: 60px;
  padding-top: 40px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.booking-calendar {
  max-width: 420px;
  margin: 0 auto;
  background: #F8F6F0;
  border: 1px solid rgba(191, 143, 0, 0.3);
  border-radius: 16px;
  padding: 24px;
  color: #1a1a1a;
}

.cal-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 16px;
}

.cal-month {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.3rem;
  font-weight: 600;
  color: var(--gold);
}

.cal-nav {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.1);
  color: var(--gold);
  width: 36px;
  height: 36px;
  border-radius: 8px;
  cursor: pointer;
  font-size: 1rem;
  transition: all 0.2s;
  display: flex;
  align-items: center;
  justify-content: center;
}

.cal-nav {
  background: rgba(13, 27, 42, 0.06);
  border: 1px solid rgba(13, 27, 42, 0.12);
  color: var(--navy);
}
.cal-nav:hover {
  background: rgba(191, 143, 0, 0.15);
  border-color: var(--gold);
  color: var(--gold);
}

.cal-days {
  display: grid;
  grid-template-columns: repeat(7, 1fr);
  text-align: center;
  margin-bottom: 8px;
}

.cal-days span {
  font-size: 0.7rem;
  color: #999;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  padding: 4px 0;
}

.cal-grid {
  display: grid;
  grid-template-columns: repeat(7, 1fr);
  gap: 4px;
}

.cal-date {
  aspect-ratio: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 8px;
  font-size: 0.9rem;
  font-weight: 500;
  cursor: pointer;
  transition: all 0.2s;
  color: var(--navy);
  border: 1px solid transparent;
}

.cal-date:hover:not(.disabled):not(.empty) {
  background: rgba(191, 143, 0, 0.15);
  border-color: var(--gold);
  color: var(--navy);
}

.cal-date.selected {
  background: var(--gold);
  color: var(--white);
  font-weight: 700;
  border-color: var(--gold);
}

.cal-date.today {
  border-color: var(--gold);
  font-weight: 700;
}

.cal-date.disabled {
  color: #ccc;
  cursor: not-allowed;
}

.cal-date.empty {
  cursor: default;
}

/* Time Slots */
.cal-times {
  margin-top: 20px;
  padding-top: 20px;
  border-top: 1px solid #E8E4DC;
  animation: fadeSlideIn 0.3s ease;
}

.cal-times-label {
  font-size: 0.85rem;
  color: #888;
  margin-bottom: 12px;
}

.cal-time-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
}

.cal-time {
  padding: 10px;
  text-align: center;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--navy);
  background: #fff;
  border: 2px solid #E8E4DC;
  border-radius: 8px;
  cursor: pointer;
  transition: all 0.2s;
  font-family: 'Outfit', sans-serif;
}

.cal-time:hover {
  background: rgba(191, 143, 0, 0.08);
  border-color: var(--gold);
  color: var(--navy);
}

.cal-time.selected {
  background: var(--gold);
  color: var(--white);
  font-weight: 700;
  border-color: var(--gold);
}

/* Confirmation */
.cal-confirm {
  margin-top: 20px;
  padding-top: 20px;
  border-top: 1px solid #E8E4DC;
  animation: fadeSlideIn 0.3s ease;
}

.cal-confirm-summary {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 18px;
  background: rgba(191, 143, 0, 0.08);
  border: 1px solid rgba(191, 143, 0, 0.2);
  border-radius: 10px;
  margin-bottom: 16px;
}

.cal-confirm-date {
  font-weight: 600;
  color: var(--navy);
  font-size: 0.95rem;
}

.cal-confirm-time {
  font-size: 0.85rem;
  color: var(--gold);
}

.cal-confirm-fields {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 14px;
}

.cal-confirm-fields input {
  width: 100%;
  padding: 12px 14px;
  background: #fff;
  border: 2px solid #E8E4DC;
  border-radius: 8px;
  color: var(--navy);
  font-family: 'Outfit', sans-serif;
  font-size: 0.95rem;
}

.cal-confirm-fields input::placeholder { color: #aaa; }
.cal-confirm-fields input:focus { outline: none; border-color: var(--gold); }

.cal-change {
  display: block;
  margin: 10px auto 0;
  background: none;
  border: none;
  color: #999;
  font-size: 0.8rem;
  cursor: pointer;
  font-family: 'Outfit', sans-serif;
  transition: color 0.2s;
}

.cal-change:hover { color: var(--navy); }

/* Success */
.cal-success {
  text-align: center;
  padding: 30px 0;
  animation: fadeSlideIn 0.4s ease;
}

.cal-success h4 {
  color: var(--success);
  font-family: 'Outfit', sans-serif;
  font-size: 1.2rem;
  margin: 12px 0 8px;
}

.cal-success h4 {
  color: var(--success);
  font-family: 'Outfit', sans-serif;
}

.cal-success p {
  color: #666;
  font-size: 0.9rem;
}

@media (max-width: 480px) {
  .cal-time-grid { grid-template-columns: repeat(2, 1fr); }
  .booking-calendar { padding: 18px; }
}

/* Captcha field */
.captcha-field {
  display: flex;
  align-items: center;
  gap: 12px;
  background: rgba(191, 143, 0, 0.06);
  border: 1px solid rgba(191, 143, 0, 0.25);
  border-radius: 8px;
  padding: 10px 16px;
  margin-bottom: 0;
}
.captcha-label {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.7);
  white-space: nowrap;
  margin: 0;
  display: flex;
  align-items: center;
  gap: 6px;
}
.captcha-label i { color: var(--gold); }
.captcha-question { color: var(--gold); font-weight: 600; }
.captcha-input {
  width: 120px;
  padding: 6px 10px;
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 6px;
  background: rgba(255, 255, 255, 0.05);
  color: #fff;
  font-size: 1rem;
  font-family: 'Outfit', sans-serif;
  text-align: center;
  transition: border-color 0.3s ease;
}
.captcha-input:focus {
  outline: none;
  border-color: var(--gold);
}


/* ==============================
   PAGE CROSSLINKS (CTAs to other paths)
   ============================== */
.page-crosslinks {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-top: 60px;
  padding-top: 40px;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
}

.page-crosslinks .hub-path { flex: 1; min-width: 240px; }

/* In light backgrounds, adjust path card */
.about-section .hub-path { background: var(--navy); }
.about-section .page-crosslinks { border-top-color: var(--light-gray); }


/* ==============================
   FOOTER
   ============================== */
.site-footer {
  background: #060e18;
  color: rgba(255, 255, 255, 0.5);
  padding: 50px 0 24px;
}

.footer-top {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding-bottom: 24px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
  margin-bottom: 24px;
}

.footer-brand { display: flex; align-items: center; gap: 12px; }

.footer-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1rem;
  color: var(--gold);
  font-weight: 600;
}

.footer-tagline { font-size: 0.7rem; color: rgba(255, 255, 255, 0.3); letter-spacing: 1px; }

.footer-links { display: flex; gap: 16px; flex-wrap: wrap; }

.footer-links a,
.footer-links button {
  color: rgba(255, 255, 255, 0.45);
  font-size: 0.8rem;
  background: none;
  border: none;
  cursor: pointer;
  font-family: 'Outfit', sans-serif;
}

.footer-links a:hover,
.footer-links button:hover { color: var(--gold); }

.footer-social { display: flex; gap: 14px; }
.footer-social a { color: rgba(255, 255, 255, 0.45); font-size: 1.1rem; }
.footer-social a:hover { color: var(--gold); }

.footer-phone {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.1rem;
  color: var(--gold) !important;
  font-weight: 600;
}

.footer-disclosure { font-size: 0.7rem; color: rgba(255, 255, 255, 0.25); line-height: 1.6; }


/* ==============================
   RESPONSIVE — TABLET
   ============================== */
@media (max-width: 1024px) {
  .strategy-grid { grid-template-columns: repeat(2, 1fr); }
  .about-layout { flex-direction: column; }
  .contact-layout { flex-direction: column; }
  .hub-left { width: 40%; }
  .hub-right { width: 60%; }
}

/* ==============================
   RESPONSIVE — MOBILE
   ============================== */
@media (max-width: 768px) {
  .contact-hero {
    flex-direction: column;
    text-align: center;
  }
  .contact-hero-text .section-title { text-align: center; }
  .contact-photo { width: 180px; height: 230px; }

  .hub {
    flex-direction: column;
    height: auto;
    min-height: 100vh;
  }

  .hub-left, .hub-right {
    width: 100%;
  }

  .hub-left {
    min-height: 45vh;
    padding: 50px 24px;
  }

  .hub-right { padding: 40px 24px; }

  .hub-name { font-size: 2rem; }
  .hub-heading { font-size: 1.6rem; }

  .henry-photo-wrap { width: 200px; height: 250px; }
  .henry-photo-wrap.large { max-width: 100%; height: 300px; }

  .calc-hero h2 { font-size: 1.8rem; }
  .stat-boxes { flex-direction: column; align-items: center; gap: 24px; }

  .feature-grid { grid-template-columns: 1fr; }

  .comparison-visual { flex-direction: column; }
  .comparison-vs { transform: rotate(90deg); }

  .strategy-grid { grid-template-columns: 1fr; }

  .section-title { font-size: 1.8rem; }

  .footer-top { flex-direction: column; align-items: flex-start; }

  .timeline-chart-wrapper { height: 350px; }
  .chart-wrapper { height: 300px; }

  .page-crosslinks { flex-direction: column; }

  .contact-layout { flex-direction: column; }
}