/* ============================================
   MODERN MONEY MATTERS — Brand Stylesheet
   Palette: Deep Navy · Gold · White
   ============================================ */

/* --- Google Fonts --- */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@700;800&family=DM+Sans:wght@400;500;600&display=swap');

/* --- Design Tokens --- */
:root {
  /* Brand Colors */
  --navy:        #0a0e2e;
  --navy-mid:    #131a4a;
  --navy-light:  #1e2a6e;
  --gold:        #c9a227;
  --gold-light:  #e8bc3c;
  --gold-muted:  #f0d98b;
  --white:       #ffffff;
  --off-white:   #f8f7f2;
  --text-dark:   #0a0e2e;
  --text-muted:  #5a6382;
  --divider:     #dde1f0;

  /* Gradient — matches course slide footer */
  --grad-hero:    linear-gradient(135deg, #0a0e2e 0%, #1a2060 40%, #0d3a6e 100%);
  --grad-footer:  linear-gradient(90deg, #000000 0%, #0a0e2e 40%, #0d2f6e 100%);
  --grad-gold:    linear-gradient(135deg, #c9a227 0%, #e8bc3c 100%);

  /* Type */
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'DM Sans', 'Helvetica Neue', sans-serif;

  /* Type Scale */
  --text-xs:   clamp(0.75rem,  0.7rem  + 0.25vw, 0.875rem);
  --text-sm:   clamp(0.875rem, 0.8rem  + 0.35vw, 1rem);
  --text-base: clamp(1rem,     0.95rem + 0.25vw, 1.125rem);
  --text-lg:   clamp(1.125rem, 1rem    + 0.75vw, 1.5rem);
  --text-xl:   clamp(1.5rem,   1.2rem  + 1.25vw, 2.25rem);
  --text-2xl:  clamp(2rem,     1.2rem  + 2.5vw,  3.5rem);
  --text-3xl:  clamp(2.5rem,   1rem    + 4vw,    4.5rem);

  /* Spacing */
  --space-1:  0.25rem;
  --space-2:  0.5rem;
  --space-3:  0.75rem;
  --space-4:  1rem;
  --space-6:  1.5rem;
  --space-8:  2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  --space-24: 6rem;

  /* Radius */
  --radius-sm: 0.375rem;
  --radius-md: 0.75rem;
  --radius-lg: 1.25rem;
  --radius-xl: 2rem;

  /* Shadows */
  --shadow-card:  0 4px 24px rgba(10,14,46,0.10);
  --shadow-lifted: 0 12px 40px rgba(10,14,46,0.18);

  /* Transition */
  --ease: 200ms cubic-bezier(0.16, 1, 0.3, 1);
}

/* --- Reset --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html {
  -webkit-font-smoothing: antialiased;
  scroll-behavior: smooth;
  scroll-padding-top: 80px;
}
body {
  font-family: var(--font-body);
  font-size: var(--text-base);
  color: var(--text-dark);
  background: var(--off-white);
  line-height: 1.65;
  overflow-x: hidden;
}
img { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
button { cursor: pointer; border: none; background: none; font: inherit; }

/* ============================================
   NAVIGATION
   ============================================ */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--navy);
  border-bottom: 2px solid var(--gold);
  padding: var(--space-4) var(--space-8);
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

.nav-logo svg {
  width: 40px;
  height: 40px;
  flex-shrink: 0;
}

.nav-logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}
.nav-logo-text .brand-main {
  font-family: var(--font-display);
  font-size: var(--text-sm);
  font-weight: 700;
  color: var(--gold-light);
  letter-spacing: 0.02em;
}
.nav-logo-text .brand-sub {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.65);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: var(--space-6);
  list-style: none;
}

.nav-links a {
  font-size: var(--text-sm);
  font-weight: 500;
  color: rgba(255,255,255,0.80);
  letter-spacing: 0.04em;
  transition: color var(--ease);
  padding: var(--space-2) 0;
  border-bottom: 2px solid transparent;
}
.nav-links a:hover {
  color: var(--gold-light);
  border-bottom-color: var(--gold-light);
}

.nav-cta {
  background: var(--grad-gold);
  color: var(--navy) !important;
  font-weight: 700 !important;
  padding: var(--space-2) var(--space-6) !important;
  border-radius: var(--radius-md) !important;
  border-bottom: none !important;
  transition: transform var(--ease), box-shadow var(--ease) !important;
}
.nav-cta:hover {
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(201,162,39,0.4) !important;
  color: var(--navy) !important;
  border-bottom: none !important;
}

/* Mobile nav toggle */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: var(--space-2);
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--ease);
}

/* ============================================
   HERO SECTION
   ============================================ */
.hero {
  background: var(--grad-hero);
  position: relative;
  overflow: hidden;
  min-height: 85vh;
  display: flex;
  align-items: center;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 60% 80% at 70% 50%, rgba(201,162,39,0.07) 0%, transparent 70%),
    radial-gradient(ellipse 40% 60% at 20% 80%, rgba(13,58,110,0.6) 0%, transparent 60%);
  pointer-events: none;
}

/* Subtle coin/money pattern overlay */
.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(201,162,39,0.08) 1px, transparent 1px);
  background-size: 40px 40px;
  pointer-events: none;
}

.hero-inner {
  position: relative;
  z-index: 1;
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: var(--space-20) var(--space-8);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-16);
  align-items: center;
}

/* Photo side */
.hero-photo-wrap {
  position: relative;
  display: flex;
  justify-content: center;
}

.hero-photo-frame {
  position: relative;
  width: 100%;
  max-width: 420px;
}

.hero-photo-frame::before {
  content: '';
  position: absolute;
  inset: -12px -12px 12px 12px;
  border: 2px solid var(--gold);
  border-radius: var(--radius-xl);
  opacity: 0.5;
  z-index: 0;
}

.hero-photo-frame::after {
  content: '';
  position: absolute;
  bottom: -20px;
  left: 50%;
  transform: translateX(-50%);
  width: 80%;
  height: 40px;
  background: radial-gradient(ellipse, rgba(201,162,39,0.3) 0%, transparent 70%);
  filter: blur(8px);
  z-index: 0;
}

.hero-photo {
  position: relative;
  z-index: 1;
  width: 100%;
  aspect-ratio: 3/4;
  object-fit: cover;
  object-position: center top;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lifted);
}

.hero-badge {
  position: absolute;
  bottom: var(--space-6);
  right: -var(--space-4);
  right: -1rem;
  background: var(--grad-gold);
  color: var(--navy);
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: var(--space-2) var(--space-4);
  border-radius: var(--radius-md);
  box-shadow: 0 4px 16px rgba(201,162,39,0.4);
  z-index: 2;
  white-space: nowrap;
}

/* Copy side */
.hero-copy {
  color: var(--white);
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: var(--space-4);
}

.hero-eyebrow::before {
  content: '';
  display: block;
  width: 28px;
  height: 2px;
  background: var(--gold-light);
  border-radius: 2px;
}

.hero-heading {
  font-family: var(--font-display);
  font-size: var(--text-3xl);
  font-weight: 800;
  line-height: 1.1;
  margin-bottom: var(--space-6);
  color: var(--white);
}

.hero-heading .accent {
  color: var(--gold-light);
  display: block;
}

.hero-subtext {
  font-size: var(--text-lg);
  color: rgba(255,255,255,0.80);
  margin-bottom: var(--space-8);
  max-width: 52ch;
  line-height: 1.6;
}

.hero-subtext strong {
  color: var(--gold-muted);
  font-weight: 600;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-4);
  align-items: center;
}

/* ============================================
   BUTTONS
   ============================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-family: var(--font-body);
  font-size: var(--text-sm);
  font-weight: 700;
  letter-spacing: 0.03em;
  padding: var(--space-4) var(--space-8);
  border-radius: var(--radius-md);
  transition: transform var(--ease), box-shadow var(--ease), background var(--ease);
  text-decoration: none;
  white-space: nowrap;
}

.btn-primary {
  background: var(--grad-gold);
  color: var(--navy);
  box-shadow: 0 4px 20px rgba(201,162,39,0.35);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(201,162,39,0.5);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,0.4);
}
.btn-outline:hover {
  border-color: var(--gold-light);
  color: var(--gold-light);
  transform: translateY(-2px);
}

.btn-navy {
  background: var(--navy);
  color: var(--white);
  box-shadow: var(--shadow-card);
}
.btn-navy:hover {
  background: var(--navy-light);
  transform: translateY(-2px);
  box-shadow: var(--shadow-lifted);
}

.btn-calc {
  background: transparent;
  color: var(--gold-light);
  border: 1.5px solid var(--gold-light);
  font-size: 0.85rem;
  padding: 0.6rem 1.2rem;
  opacity: 0.9;
}
.btn-calc:hover {
  background: rgba(201,168,76,0.1);
  opacity: 1;
  transform: translateY(-1px);
}

/* ============================================
   TRUST BAR
   ============================================ */
.trust-bar {
  background: var(--navy-mid);
  border-top: 1px solid rgba(201,162,39,0.2);
  border-bottom: 1px solid rgba(201,162,39,0.2);
  padding: var(--space-6) var(--space-8);
}

.trust-bar-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: var(--space-10);
}

.trust-item {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  color: rgba(255,255,255,0.85);
}

.trust-item-number {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 800;
  color: var(--gold-light);
  line-height: 1;
}

.trust-item-label {
  font-size: var(--text-xs);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255,255,255,0.6);
  line-height: 1.3;
  max-width: 10ch;
}

.trust-divider {
  width: 1px;
  height: 40px;
  background: rgba(201,162,39,0.25);
}

/* ============================================
   SOUND FAMILIAR SECTION
   ============================================ */
.sound-familiar {
  background: var(--navy);
  background-image: var(--grad-hero);
  color: var(--white);
  text-align: center;
}

.sound-familiar-inner {
  max-width: 760px;
  margin: 0 auto;
}

.sf-eyebrow {
  color: var(--gold) !important;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-size: var(--text-xs);
  font-weight: 600;
  font-family: var(--font-body);
  margin-bottom: var(--space-4);
}

.sf-heading {
  font-family: var(--font-display);
  font-size: var(--text-3xl);
  font-weight: 800;
  line-height: 1.1;
  color: var(--white);
  margin-bottom: var(--space-8);
}

.sf-heading .accent {
  color: var(--gold-light);
  display: block;
}

.sf-body {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  margin-bottom: var(--space-10);
}

.sf-body p {
  font-size: var(--text-base);
  line-height: 1.75;
  color: rgba(255,255,255,0.85);
  max-width: 65ch;
  margin: 0 auto;
}

.sf-body strong {
  color: var(--white);
  font-weight: 600;
}

.sf-cta {
  display: flex;
  justify-content: center;
}

/* ============================================
   ABOUT / STORY SECTION
   ============================================ */
.section {
  padding: clamp(var(--space-16), 8vw, var(--space-24)) var(--space-8);
}

.section-inner {
  max-width: 1200px;
  margin: 0 auto;
}

.about {
  background: var(--off-white);
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-16);
  align-items: center;
}

.about-copy .eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: var(--space-4);
}

.about-copy .eyebrow::before {
  content: '';
  display: block;
  width: 20px;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
}

.section-heading {
  font-family: var(--font-display);
  font-size: var(--text-2xl);
  font-weight: 800;
  line-height: 1.15;
  color: var(--navy);
  margin-bottom: var(--space-6);
}

.section-heading .accent {
  color: var(--gold);
}

.about-body p {
  font-size: var(--text-base);
  color: var(--text-muted);
  line-height: 1.75;
  margin-bottom: var(--space-4);
  max-width: 60ch;
}

.about-body p:last-child { margin-bottom: 0; }

.about-highlight {
  margin-top: var(--space-8);
  padding: var(--space-6);
  background: var(--navy);
  border-radius: var(--radius-lg);
  border-left: 4px solid var(--gold);
}

.about-highlight p {
  font-size: var(--text-base);
  font-weight: 500;
  color: rgba(255,255,255,0.9) !important;
  margin-bottom: 0 !important;
  max-width: 100% !important;
  font-style: italic;
}

.about-visual {
  position: relative;
}

.about-card-stack {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.about-stat-card {
  background: var(--white);
  border: 1px solid var(--divider);
  border-radius: var(--radius-lg);
  padding: var(--space-6) var(--space-8);
  box-shadow: var(--shadow-card);
  display: flex;
  align-items: center;
  gap: var(--space-4);
  transition: transform var(--ease), box-shadow var(--ease);
}
.about-stat-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lifted);
}

.about-stat-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.about-stat-icon svg {
  width: 26px;
  height: 26px;
  color: var(--gold-light);
}

.about-stat-text {}
.about-stat-number {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
}
.about-stat-label {
  font-size: var(--text-xs);
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-top: var(--space-1);
}

/* ============================================
   OFFERS SECTION
   ============================================ */
.offers {
  background: var(--navy);
  position: relative;
  overflow: hidden;
}

.offers::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(201,162,39,0.05) 1px, transparent 1px);
  background-size: 36px 36px;
}

.offers-inner {
  position: relative;
  z-index: 1;
}

.offers-header {
  text-align: center;
  margin-bottom: var(--space-16);
}

.offers-header .eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: var(--space-4);
}

.offers-heading {
  font-family: var(--font-display);
  font-size: var(--text-2xl);
  font-weight: 800;
  color: var(--white);
  line-height: 1.15;
}

.offers-heading .accent { color: var(--gold-light); }

.offers-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-8);
}

.offer-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(201,162,39,0.2);
  border-radius: var(--radius-xl);
  padding: var(--space-10);
  transition: transform var(--ease), border-color var(--ease), box-shadow var(--ease);
  display: flex;
  flex-direction: column;
  gap: var(--space-6);
  position: relative;
  overflow: hidden;
}

.offer-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--grad-gold);
  opacity: 0;
  transition: opacity var(--ease);
}

.offer-card:hover {
  transform: translateY(-6px);
  border-color: rgba(201,162,39,0.5);
  box-shadow: 0 20px 60px rgba(0,0,0,0.4);
}

.offer-card:hover::before {
  opacity: 1;
}

.offer-card.featured {
  border-color: rgba(201,162,39,0.45);
  background: rgba(201,162,39,0.06);
}

.offer-card.featured::before {
  opacity: 1;
}

.offer-cover {
  width: calc(100% + 3rem);
  margin: -1.5rem -1.5rem 1.25rem -1.5rem;
  border-radius: 12px 12px 0 0;
  overflow: hidden;
  line-height: 0;
}

.offer-cover-img {
  width: 100%;
  height: 200px;
  object-fit: cover;
  object-position: center 30%;
  display: block;
  border-radius: 12px 12px 0 0;
}

.offer-cover-img.img-contain {
  object-fit: contain;
  background: #0a0e2e;
  padding: 1rem 0;
}

.offer-icon {
  width: 64px;
  height: 64px;
  border-radius: var(--radius-lg);
  background: var(--grad-gold);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.offer-icon svg {
  width: 30px;
  height: 30px;
  color: var(--navy);
}

.offer-tag {
  display: inline-block;
  background: rgba(201,162,39,0.15);
  color: var(--gold-light);
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: var(--space-1) var(--space-3);
  border-radius: var(--radius-full);
  border: 1px solid rgba(201,162,39,0.3);
  width: fit-content;
}

.offer-title {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 800;
  color: var(--white);
  line-height: 1.2;
}

.offer-desc {
  font-size: var(--text-base);
  color: rgba(255,255,255,0.70);
  line-height: 1.7;
}

.offer-features {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  flex: 1;
}

.offer-features li {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.80);
}

.offer-features li::before {
  content: '';
  display: block;
  width: 18px;
  height: 18px;
  background: var(--grad-gold);
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 2px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230a0e2e' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
  background-size: 12px;
  background-position: center;
  background-repeat: no-repeat;
  background-color: var(--gold);
}

.offer-cta {
  margin-top: auto;
}

.offer-cta .btn {
  width: 100%;
  justify-content: center;
}

/* ============================================
   FOOTER
   ============================================ */
.footer {
  background: var(--grad-footer);
  border-top: 2px solid var(--gold);
  padding: var(--space-12) var(--space-8) var(--space-8);
  color: rgba(255,255,255,0.75);
}

.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
}

.footer-top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: var(--space-12);
  padding-bottom: var(--space-10);
  border-bottom: 1px solid rgba(255,255,255,0.08);
  margin-bottom: var(--space-8);
}

.footer-brand .footer-logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  margin-bottom: var(--space-4);
}

.footer-brand-name {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--gold-light);
}

.footer-tagline {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.55);
  line-height: 1.6;
  max-width: 38ch;
}

.footer-col-title {
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: var(--space-4);
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.footer-links a {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.6);
  transition: color var(--ease);
}

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

.footer-social {
  display: flex;
  gap: var(--space-3);
  margin-top: var(--space-4);
}

.social-btn {
  width: 38px;
  height: 38px;
  border-radius: var(--radius-md);
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.6);
  transition: background var(--ease), color var(--ease), border-color var(--ease);
}

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

.social-btn svg {
  width: 18px;
  height: 18px;
}

.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
}

.footer-copy {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.40);
}

.footer-legal {
  display: flex;
  gap: var(--space-6);
}

.footer-legal a {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.35);
  transition: color var(--ease);
}

.footer-legal a:hover {
  color: var(--gold-light);
}

/* ============================================
   RESPONSIVE
   ============================================ */
@media (max-width: 900px) {
  .hero-inner {
    grid-template-columns: 1fr;
    text-align: center;
    gap: var(--space-12);
    padding: var(--space-16) var(--space-6);
  }

  .hero-photo-wrap {
    order: -1;
  }

  .hero-photo-frame {
    max-width: 300px;
    margin: 0 auto;
  }

  .hero-eyebrow {
    justify-content: center;
  }

  .hero-actions {
    justify-content: center;
  }

  .about-grid {
    grid-template-columns: 1fr;
    gap: var(--space-10);
  }

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

  .testimonials-grid {
    grid-template-columns: 1fr;
    gap: var(--space-6);
  }

  .footer-top {
    grid-template-columns: 1fr 1fr;
  }

  .footer-brand {
    grid-column: 1 / -1;
  }

  .trust-bar-inner {
    gap: var(--space-6);
  }

  .trust-divider {
    display: none;
  }
}

@media (max-width: 600px) {
  .nav {
    padding: var(--space-4);
  }

  .nav-links {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--navy);
    flex-direction: column;
    padding: var(--space-6);
    gap: var(--space-4);
    border-bottom: 2px solid var(--gold);
  }

  .nav-links.open {
    display: flex;
  }

  .nav-toggle {
    display: flex;
  }

  .footer-top {
    grid-template-columns: 1fr;
  }

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

  .trust-bar-inner {
    flex-direction: column;
    align-items: flex-start;
    gap: var(--space-4);
  }

  .hero-subtext {
    font-size: var(--text-base);
  }
}

/* ============================================
   LOGO IMAGE (replaces SVG in nav & footer)
   ============================================ */
.nav-logo-img {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  object-fit: cover;
  flex-shrink: 0;
}

.footer-logo-img {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  object-fit: cover;
  flex-shrink: 0;
}

/* ============================================
   OFFER PRICE TAG
   ============================================ */
.offer-tag-row {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  flex-wrap: wrap;
}

.offer-price {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 800;
  color: var(--gold-light);
}

/* ============================================
   TESTIMONIALS SECTION
   ============================================ */
.testimonials {
  background: var(--navy);
  background-image: var(--grad-footer);
}

.testimonials-header {
  text-align: center;
  margin-bottom: var(--space-12);
}

.testimonials-header .eyebrow {
  color: var(--gold);
}

.testimonials-header .section-heading {
  color: var(--white);
}

.testimonials-header .accent {
  color: var(--gold-light);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-8);
}

.testimonial-card {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(201,162,39,0.25);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: var(--space-6);
}

.testimonial-avatar-initial {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: var(--grad-gold);
  color: var(--navy);
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  border: 2px solid var(--gold-light);
  box-shadow: 0 0 0 3px rgba(201,162,39,0.2);
}

.testimonial-quote {
  flex: 1;
}

.testimonial-quote p {
  font-size: var(--text-sm);
  line-height: 1.75;
  color: rgba(255,255,255,0.85);
  font-style: italic;
  max-width: 100%;
}

.testimonial-name {
  font-family: var(--font-body);
  font-size: var(--text-sm);
  font-weight: 700;
  font-style: normal;
  color: var(--gold);
  letter-spacing: 0.03em;
}

.footer-cta {
  margin-top: var(--space-6);
  margin-bottom: var(--space-6);
  display: inline-flex;
}

/* ============================================
   FAQ SECTION
   ============================================ */
.faq {
  background: var(--off-white);
}

.faq-header {
  text-align: center;
  margin-bottom: var(--space-12);
}

.faq-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: var(--space-4);
}

.faq-heading {
  text-align: center;
}

.faq-grid {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--divider);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: border-color var(--ease), box-shadow var(--ease);
}

.faq-item[open] {
  border-color: var(--gold);
  box-shadow: var(--shadow-card);
}

.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  padding: var(--space-6) var(--space-8);
  font-size: var(--text-base);
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
  user-select: none;
  transition: color var(--ease);
}

.faq-question::-webkit-details-marker { display: none; }

.faq-item[open] .faq-question {
  color: var(--gold);
}

.faq-chevron {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  color: var(--text-muted);
  transition: transform var(--ease), color var(--ease);
}

.faq-item[open] .faq-chevron {
  transform: rotate(180deg);
  color: var(--gold);
}

.faq-answer {
  padding: 0 var(--space-8) var(--space-6);
  border-top: 1px solid var(--divider);
}

.faq-answer p {
  font-size: var(--text-base);
  color: var(--text-muted);
  line-height: 1.75;
  padding-top: var(--space-4);
  max-width: 100%;
}

.faq-answer strong {
  color: var(--navy);
  font-weight: 600;
}