:root {
  --burgundy: #6B1F2C;
  --burgundy-dark: #3A0F1A;
  --burgundy-light: #8B2D3D;
  --gold: #C9A961;
  --gold-light: #E0C887;
  --gold-dark: #9C8442;
  --cream: #FAF7F2;
  --cream-dark: #F0EBE0;
  --charcoal: #1F1A17;
  --black: #0E0B09;
  --gray: #5C5550;
  --gray-light: #9C948C;
  --white: #FFFFFF;
  --border: #E8E0D2;
  --success: #2D7A4A;
  --shadow-sm: 0 2px 8px rgba(31, 26, 23, 0.06);
  --shadow-md: 0 12px 32px rgba(31, 26, 23, 0.10);
  --shadow-lg: 0 24px 64px rgba(31, 26, 23, 0.18);
  --shadow-xl: 0 40px 100px rgba(31, 26, 23, 0.25);
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  font-size: 16px;
  line-height: 1.7;
  color: var(--charcoal);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6 {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-weight: 700;
  line-height: 1.15;
  color: var(--charcoal);
  letter-spacing: -0.015em;
}

h1 { font-size: clamp(2.75rem, 6vw, 4.75rem); font-weight: 800; }
h2 { font-size: clamp(2rem, 4vw, 3.25rem); }
h3 { font-size: clamp(1.5rem, 2.5vw, 1.875rem); }
h4 { font-size: 1.25rem; }

p { margin-bottom: 1.25rem; color: var(--gray); }

a { color: var(--burgundy); text-decoration: none; transition: color 0.2s; }
a:hover { color: var(--burgundy-light); }

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

.container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 32px;
}

.container-narrow {
  max-width: 820px;
  margin: 0 auto;
  padding: 0 24px;
}

/* Top Bar */
.top-bar {
  background: var(--black);
  color: rgba(255,255,255,0.7);
  padding: 8px 0;
  font-size: 0.8125rem;
  letter-spacing: 0.5px;
}

.top-bar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.top-bar a { color: var(--gold-light); }

/* Header */
.site-header {
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(232, 224, 210, 0.6);
  position: sticky;
  top: 0;
  z-index: 100;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
}

.logo {
  display: flex;
  align-items: center;
  height: 108px;
  margin-left: -8px;
}

.logo img {
  height: 108px;
  width: auto;
  display: block;
}

.nav-menu {
  display: flex;
  gap: 36px;
  list-style: none;
  align-items: center;
}

.nav-menu a {
  color: var(--charcoal);
  font-weight: 500;
  font-size: 0.9375rem;
  transition: color 0.2s;
  position: relative;
}

.nav-menu a:not(.btn):hover { color: var(--burgundy); }

.nav-menu a:not(.btn)::after {
  content: '';
  position: absolute;
  bottom: -6px;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform 0.2s;
}

.nav-menu a:not(.btn):hover::after { transform: scaleX(1); }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: 4px;
  font-weight: 600;
  font-size: 0.9375rem;
  letter-spacing: 0.3px;
  transition: all 0.25s ease;
  cursor: pointer;
  border: none;
  font-family: inherit;
  text-decoration: none;
  white-space: nowrap;
}

.btn-primary {
  background: linear-gradient(135deg, var(--burgundy) 0%, var(--burgundy-dark) 100%);
  color: var(--white);
  box-shadow: 0 6px 20px rgba(107, 31, 44, 0.30);
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 28px rgba(107, 31, 44, 0.40);
  color: var(--white);
}

.btn-gold {
  background: linear-gradient(135deg, var(--gold-light) 0%, var(--gold) 50%, var(--gold-dark) 100%);
  color: var(--burgundy-dark);
  box-shadow: 0 6px 20px rgba(201, 169, 97, 0.35);
}

.btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 32px rgba(201, 169, 97, 0.5);
  color: var(--burgundy-dark);
}

.btn-large {
  padding: 20px 44px;
  font-size: 1.0625rem;
}

.btn-outline-light {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.4);
}

.btn-outline-light:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--gold);
  color: var(--gold-light);
}

/* HERO - Full-bleed image */
.hero {
  position: relative;
  min-height: 92vh;
  display: flex;
  align-items: center;
  color: var(--white);
  overflow: hidden;
  background: var(--black);
}

.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 1;
}

.hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(105deg, rgba(14,11,9,0.75) 0%, rgba(58,15,26,0.65) 45%, rgba(58,15,26,0.40) 75%, rgba(58,15,26,0.25) 100%);
  z-index: 2;
}

.hero-overlay::after {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 90% 30%, rgba(201, 169, 97, 0.12) 0%, transparent 50%);
}

.hero-content {
  position: relative;
  z-index: 3;
  width: 100%;
  padding: 60px 0;
}

.hero-inner {
  max-width: 760px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(201, 169, 97, 0.12);
  color: var(--gold-light);
  padding: 10px 22px;
  border-radius: 100px;
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: none; letter-spacing: 0.3px;
  margin-bottom: 32px;
  border: 1px solid rgba(201, 169, 97, 0.3);
}

.hero-badge::before {
  content: '★';
  color: var(--gold);
}

.hero h1 {
  color: var(--white);
  margin-bottom: 28px;
  font-size: clamp(3rem, 7vw, 5.5rem);
  font-weight: 800;
  line-height: 1.05;
  letter-spacing: -0.02em;
}

.hero h1 .accent {
  color: var(--gold-light);
  font-style: italic;
  font-weight: 400;
  display: inline-block;
}

.hero-sub {
  font-size: 1.25rem;
  color: rgba(255, 255, 255, 0.88);
  margin-bottom: 44px;
  max-width: 620px;
  line-height: 1.65;
  font-weight: 300;
}

.hero-cta {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  align-items: center;
  margin-bottom: 56px;
}

.hero-trust {
  display: flex;
  gap: 40px;
  flex-wrap: wrap;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.12);
}

.hero-trust-item {
  display: flex;
  align-items: center;
  gap: 12px;
  color: rgba(255, 255, 255, 0.92);
  font-size: 0.9375rem;
  font-weight: 500;
}

.hero-trust-item .check {
  width: 28px;
  height: 28px;
  background: var(--gold);
  color: var(--burgundy-dark);
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.875rem;
  flex-shrink: 0;
}

/* Stats - elegant marble effect */
.stats-section {
  background: var(--black);
  color: var(--white);
  padding: 72px 0;
  position: relative;
  border-bottom: 1px solid rgba(201, 169, 97, 0.15);
}

.stats-section::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 48px;
  text-align: center;
}

.stat-item {
  position: relative;
}

.stat-item:not(:last-child)::after {
  content: '';
  position: absolute;
  right: -24px;
  top: 20%;
  bottom: 20%;
  width: 1px;
  background: linear-gradient(180deg, transparent, rgba(201, 169, 97, 0.3), transparent);
}

.stat-item .stat-number {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.5rem, 4vw, 3.75rem);
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 12px;
  letter-spacing: -0.02em;
}

.stat-item .stat-label {
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.875rem;
  letter-spacing: 1px;
  text-transform: none; letter-spacing: 0.3px;
}

/* Section base */
section {
  padding: 120px 0;
  position: relative;
}

.section-header {
  text-align: center;
  margin-bottom: 72px;
  max-width: 760px;
  margin-left: auto;
  margin-right: auto;
}

.section-header.left {
  text-align: left;
  margin-left: 0;
  margin-right: 0;
}

.section-eyebrow {
  display: inline-block;
  color: var(--gold-dark);
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 3px;
  text-transform: none; letter-spacing: 0.3px;
  margin-bottom: 18px;
  position: relative;
  padding-left: 36px;
}

.section-eyebrow::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  width: 28px;
  height: 1px;
  background: var(--gold);
}

.section-eyebrow.center {
  padding-left: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
}

.section-eyebrow.center::before {
  position: static;
  width: 32px;
}

.section-eyebrow.center::after {
  content: '';
  width: 32px;
  height: 1px;
  background: var(--gold);
}

.section-header h2 {
  margin-bottom: 20px;
  font-weight: 700;
}

.section-header p {
  font-size: 1.1875rem;
  color: var(--gray);
  line-height: 1.7;
}

/* Image-Text Split Section */
.split-section {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 80px;
  align-items: center;
}

.split-section.reverse { grid-template-columns: 1fr 1.1fr; }

.split-image {
  position: relative;
  border-radius: 4px;
  overflow: hidden;
  box-shadow: var(--shadow-xl);
}

.split-image img {
  width: 100%;
  height: 600px;
  object-fit: cover;
  display: block;
}

.split-image::after {
  content: '';
  position: absolute;
  bottom: -20px;
  right: -20px;
  width: 40%;
  height: 40%;
  border: 2px solid var(--gold);
  z-index: -1;
}

.split-content h2 {
  margin-bottom: 24px;
}

.split-content > p {
  font-size: 1.0625rem;
  line-height: 1.85;
  margin-bottom: 24px;
}

.split-features {
  list-style: none;
  margin-top: 32px;
}

.split-features li {
  padding: 16px 0;
  border-bottom: 1px solid var(--border);
  display: flex;
  align-items: center;
  gap: 16px;
  color: var(--charcoal);
  font-weight: 500;
}

.split-features li:last-child { border-bottom: none; }

.split-features li::before {
  content: '✓';
  width: 28px;
  height: 28px;
  background: linear-gradient(135deg, var(--gold-light), var(--gold-dark));
  color: var(--burgundy-dark);
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  flex-shrink: 0;
}

/* Cards Grid - Premium */
.grid {
  display: grid;
  gap: 32px;
}

.grid-3 { grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); }
.grid-4 { grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.grid-2 { grid-template-columns: repeat(auto-fit, minmax(420px, 1fr)); }

.card {
  background: var(--white);
  padding: 40px 36px;
  border-radius: 4px;
  border: 1px solid var(--border);
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  position: relative;
  overflow: hidden;
}

.card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold-light), var(--gold), var(--gold-dark));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s ease;
}

.card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--gold);
}

.card:hover::before { transform: scaleX(1); }

.card-icon {
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, var(--burgundy) 0%, var(--burgundy-dark) 100%);
  border-radius: 4px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.75rem;
  color: var(--gold);
  margin-bottom: 28px;
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  position: relative;
}

.card-icon::after {
  content: '';
  position: absolute;
  bottom: -6px;
  right: -6px;
  width: 16px;
  height: 16px;
  background: var(--gold);
  border-radius: 2px;
  z-index: -1;
}

.card h3 {
  font-size: 1.5rem;
  margin-bottom: 16px;
  color: var(--charcoal);
  letter-spacing: -0.01em;
}

.card p {
  font-size: 0.9375rem;
  color: var(--gray);
  margin-bottom: 24px;
  line-height: 1.7;
}

.card .card-link {
  color: var(--burgundy);
  font-weight: 600;
  font-size: 0.875rem;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  letter-spacing: 1px;
  text-transform: none; letter-spacing: 0.3px;
}

.card .card-link::after { content: '→'; transition: transform 0.2s; }
.card:hover .card-link::after { transform: translateX(6px); }

/* Photo Card with overlay */
.photo-card {
  position: relative;
  border-radius: 4px;
  overflow: hidden;
  height: 380px;
  cursor: pointer;
  transition: transform 0.5s ease;
}

.photo-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.7s ease;
}

.photo-card:hover { transform: translateY(-4px); }
.photo-card:hover img { transform: scale(1.08); }

.photo-card-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 40%, rgba(14,11,9,0.92) 100%);
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 32px;
  color: var(--white);
}

.photo-card-overlay h3 {
  color: var(--white);
  font-size: 1.5rem;
  margin-bottom: 8px;
  font-weight: 700;
}

.photo-card-overlay p {
  color: rgba(255,255,255,0.85);
  font-size: 0.9375rem;
  margin: 0;
  line-height: 1.5;
}

/* Process Section */
.process {
  background: var(--cream);
  position: relative;
}

.process::before, .process::after {
  content: '';
  position: absolute;
  left: 0; right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}

.process::before { top: 0; }
.process::after { bottom: 0; }

.process-steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 48px;
  position: relative;
}

.process-step {
  text-align: center;
  position: relative;
}

.step-number {
  width: 88px;
  height: 88px;
  background: var(--white);
  color: var(--burgundy);
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: 'Playfair Display', serif;
  font-size: 2.5rem;
  font-weight: 700;
  margin-bottom: 28px;
  box-shadow: 0 16px 40px rgba(107, 31, 44, 0.18);
  border: 2px solid var(--gold);
  position: relative;
}

.step-number::after {
  content: '';
  position: absolute;
  inset: -8px;
  border: 1px solid rgba(201, 169, 97, 0.3);
  border-radius: 50%;
}

.process-step h3 {
  font-size: 1.5rem;
  margin-bottom: 14px;
}

.process-step p {
  font-size: 1rem;
  color: var(--gray);
  max-width: 280px;
  margin: 0 auto;
}

/* Comparison Table - elevated */
.compare-section {
  background: var(--white);
}

.compare-table {
  background: var(--white);
  border-radius: 4px;
  overflow: hidden;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-md);
}

.compare-table table {
  width: 100%;
  border-collapse: collapse;
}

.compare-table th, .compare-table td {
  padding: 24px 32px;
  text-align: left;
  border-bottom: 1px solid var(--border);
}

.compare-table th {
  background: linear-gradient(135deg, var(--burgundy-dark), var(--burgundy));
  color: var(--white);
  font-weight: 600;
  font-family: 'Playfair Display', serif;
  font-size: 1.0625rem;
  text-transform: none; letter-spacing: 0.3px;
  letter-spacing: 1px;
}

.compare-table th:first-child { font-style: italic; font-weight: 400; }
.compare-table th:last-child { color: var(--gold-light); }

.compare-table tr:last-child td { border-bottom: none; }
.compare-table tr:hover { background: var(--cream); }
.compare-table .check { color: var(--success); font-weight: 700; }
.compare-table .x { color: var(--gray-light); }

/* Testimonial / Quote */
.quote-section {
  background: var(--charcoal);
  color: var(--white);
  position: relative;
  overflow: hidden;
}

.quote-section::before {
  content: '"';
  position: absolute;
  font-family: 'Playfair Display', serif;
  font-size: 24rem;
  color: rgba(201, 169, 97, 0.06);
  top: -80px;
  left: 5%;
  line-height: 1;
}

.quote-content {
  max-width: 880px;
  margin: 0 auto;
  text-align: center;
  position: relative;
}

.quote-content blockquote {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.625rem, 3vw, 2.25rem);
  line-height: 1.4;
  color: var(--white);
  font-weight: 400;
  font-style: italic;
  margin-bottom: 32px;
}

.quote-author {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
}

.quote-author img {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  border: 2px solid var(--gold);
  object-fit: cover;
}

.quote-author-name {
  font-weight: 600;
  color: var(--gold-light);
  font-size: 1.0625rem;
}

.quote-author-title {
  color: rgba(255,255,255,0.65);
  font-size: 0.875rem;
}

/* CTA Banner */
.cta-banner {
  position: relative;
  color: var(--white);
  padding: 140px 0;
  text-align: center;
  overflow: hidden;
}

.cta-bg {
  position: absolute;
  inset: 0;
  z-index: 1;
}

.cta-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.cta-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(58,15,26,0.95) 0%, rgba(107,31,44,0.85) 100%);
  z-index: 2;
}

.cta-banner > .container {
  position: relative;
  z-index: 3;
}

.cta-banner h2 {
  color: var(--white);
  margin-bottom: 24px;
  font-size: clamp(2.25rem, 4vw, 3.5rem);
}

.cta-banner h2 .accent { color: var(--gold-light); font-style: italic; }

.cta-banner p {
  color: rgba(255, 255, 255, 0.92);
  font-size: 1.1875rem;
  max-width: 680px;
  margin: 0 auto 40px;
}

/* FAQ */
.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 4px;
  margin-bottom: 16px;
  overflow: hidden;
  transition: all 0.25s;
}

.faq-item:hover { border-color: var(--gold); box-shadow: var(--shadow-sm); }

.faq-question {
  padding: 24px 32px;
  cursor: pointer;
  font-weight: 600;
  display: flex;
  justify-content: space-between;
  align-items: center;
  color: var(--charcoal);
  font-size: 1.0625rem;
  font-family: 'Playfair Display', serif;
}

.faq-question::after {
  content: '+';
  font-size: 1.5rem;
  color: var(--burgundy);
  transition: transform 0.25s;
  font-weight: 300;
}

.faq-item.open .faq-question::after { transform: rotate(45deg); }

.faq-answer {
  padding: 0 32px;
  max-height: 0;
  overflow: hidden;
  transition: all 0.35s;
  color: var(--gray);
}

.faq-item.open .faq-answer {
  padding: 0 32px 28px;
  max-height: 600px;
}

/* Footer */
.site-footer {
  background: var(--black);
  color: rgba(255, 255, 255, 0.65);
  padding: 100px 0 32px;
  position: relative;
}

.site-footer::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 64px;
  margin-bottom: 64px;
}

.footer-brand .logo { margin-bottom: 24px; height: auto; }
.footer-brand .logo img { height: 88px; filter: brightness(0) invert(1); opacity: 0.95; }
.footer-brand p { color: rgba(255, 255, 255, 0.55); font-size: 0.9375rem; line-height: 1.75; }

.footer-col h4 {
  color: var(--gold-light);
  font-family: 'Playfair Display', serif;
  font-size: 1.0625rem;
  font-weight: 600;
  margin-bottom: 24px;
}

.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 14px; }
.footer-col a { color: rgba(255, 255, 255, 0.65); font-size: 0.9375rem; transition: color 0.2s; }
.footer-col a:hover { color: var(--gold); }

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding-top: 28px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
  color: rgba(255, 255, 255, 0.4);
  font-size: 0.8125rem;
  letter-spacing: 0.5px;
}

/* Page hero */
.page-hero {
  position: relative;
  color: var(--white);
  padding: 140px 0 100px;
  text-align: center;
  overflow: hidden;
  background: var(--black);
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(58,15,26,0.95), rgba(107,31,44,0.85));
  z-index: 2;
}

.page-hero-bg {
  position: absolute;
  inset: 0;
  z-index: 1;
}

.page-hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.4;
}

.page-hero > .container { position: relative; z-index: 3; }

.page-hero h1 {
  color: var(--white);
  margin-bottom: 20px;
  font-size: clamp(2.5rem, 5vw, 3.75rem);
}

.page-hero p {
  color: rgba(255, 255, 255, 0.9);
  font-size: 1.1875rem;
  max-width: 760px;
  margin: 0 auto;
  line-height: 1.6;
}

.breadcrumb {
  padding: 18px 0;
  font-size: 0.875rem;
  color: var(--gray);
  border-bottom: 1px solid var(--border);
  background: var(--white);
}

.breadcrumb a { color: var(--burgundy); }

/* Article */
.article-content { padding: 96px 0; background: var(--white); }
.article-content h2 { margin: 56px 0 24px; color: var(--charcoal); }
.article-content h3 { margin: 36px 0 18px; color: var(--burgundy); font-style: italic; }
.article-content p { font-size: 1.0625rem; line-height: 1.85; margin-bottom: 22px; color: var(--charcoal); }
.article-content ul, .article-content ol { margin: 24px 0 24px 28px; color: var(--charcoal); }
.article-content li { font-size: 1.0625rem; line-height: 1.85; margin-bottom: 12px; }
.article-content blockquote {
  border-left: 4px solid var(--gold);
  padding: 20px 0 20px 32px;
  margin: 36px 0;
  font-style: italic;
  font-size: 1.1875rem;
  color: var(--gray);
}

.callout {
  background: var(--cream);
  border-left: 4px solid var(--gold);
  border-radius: 4px;
  padding: 28px 32px;
  margin: 36px 0;
}

.callout strong { color: var(--burgundy); display: block; margin-bottom: 8px; font-family: 'Playfair Display', serif; font-size: 1.125rem; }

.related-pages { background: var(--cream); padding: 96px 0; }

/* Apply Form */
.apply-page { background: var(--cream); padding: 80px 0; }

.form-container {
  max-width: 880px;
  margin: 0 auto;
  background: var(--white);
  padding: 64px;
  border-radius: 4px;
  box-shadow: var(--shadow-lg);
  border-top: 4px solid var(--gold);
}

.form-section { margin-bottom: 48px; }
.form-section h3 {
  color: var(--burgundy);
  font-size: 1.5rem;
  padding-bottom: 16px;
  border-bottom: 2px solid var(--gold);
  margin-bottom: 28px;
  font-style: italic;
}

.form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.form-group { display: flex; flex-direction: column; }
.form-group.full-width { grid-column: 1 / -1; }
.form-group label { font-size: 0.875rem; font-weight: 600; color: var(--charcoal); margin-bottom: 10px; letter-spacing: 0.3px; }
.form-group input, .form-group select, .form-group textarea {
  padding: 14px 18px;
  border: 1px solid var(--border);
  border-radius: 4px;
  font-family: inherit;
  font-size: 1rem;
  background: var(--white);
  transition: all 0.2s;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  outline: none;
  border-color: var(--burgundy);
  box-shadow: 0 0 0 3px rgba(107, 31, 44, 0.08);
}

/* Mobile */
.mobile-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 1.5rem;
  cursor: pointer;
  color: var(--charcoal);
}

@media (max-width: 968px) {
  .nav-menu { display: none; }
  .mobile-toggle { display: block; }
  .split-section, .split-section.reverse { grid-template-columns: 1fr; gap: 48px; }
  .split-image img { height: 400px; }
  section { padding: 80px 0; }
  .hero { min-height: 80vh; }
  .hero-cta { flex-direction: column; align-items: stretch; }
  .hero-trust { gap: 20px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .form-container { padding: 32px; }
  .form-grid { grid-template-columns: 1fr; }
}

@media (max-width: 600px) {
  .footer-grid { grid-template-columns: 1fr; }
  h1 { font-size: 2.5rem !important; }
  .stat-item:not(:last-child)::after { display: none; }
  .stats-grid { gap: 32px; }
}

/* Animations */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(30px); }
  to { opacity: 1; transform: translateY(0); }
}

.fade-up {
  animation: fadeInUp 0.8s ease-out backwards;
}

.fade-up-delay-1 { animation-delay: 0.1s; }
.fade-up-delay-2 { animation-delay: 0.2s; }
.fade-up-delay-3 { animation-delay: 0.3s; }

/* TRUST BADGES SECTION */
.trust-badges-section { background: var(--white); padding: 56px 0; border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.trust-badges-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 32px; }
.trust-badge { display: flex; align-items: center; gap: 16px; padding: 4px 0; }
.trust-badge-icon { width: 48px; height: 48px; background: var(--cream); border-radius: 8px; display: flex; align-items: center; justify-content: center; font-size: 1.125rem; font-weight: 800; color: var(--charcoal); flex-shrink: 0; }
.trust-badge-content {}
.trust-badge-title { font-weight: 700; color: var(--charcoal); font-size: 0.9375rem; line-height: 1.2; margin-bottom: 2px; }
.trust-badge-sub { color: var(--gray); font-size: 0.8125rem; }

/* TESTIMONIALS SECTION */
.testimonials-section { background: var(--cream); padding: 96px 0; }
.testimonial-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 24px; }
.testimonial-card { background: var(--white); padding: 32px; border-radius: 8px; border: 1px solid var(--border); transition: all 0.25s; box-shadow: var(--shadow-sm); }
.testimonial-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.testimonial-rating { color: #FFB400; font-size: 1.0625rem; margin-bottom: 16px; letter-spacing: 1px; display: flex; align-items: center; gap: 8px; }
.rating-label { font-size: 0.75rem; color: var(--gray); font-weight: 600; letter-spacing: 0.5px; text-transform: none; letter-spacing: 0.3px; }
.testimonial-quote { font-size: 1rem; line-height: 1.6; color: var(--charcoal); margin-bottom: 24px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 14px; padding-top: 18px; border-top: 1px solid var(--border); }
.testimonial-avatar { width: 44px; height: 44px; border-radius: 50%; background: linear-gradient(135deg, var(--charcoal), #4A5568); color: var(--white); display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 1.125rem; flex-shrink: 0; }
.testimonial-meta {}
.testimonial-name { font-weight: 700; color: var(--charcoal); font-size: 0.9375rem; }
.testimonial-biz { color: var(--gray); font-size: 0.8125rem; margin: 2px 0; }
.testimonial-amount { font-size: 0.8125rem; color: var(--charcoal); margin-top: 4px; }
.testimonial-amount strong { color: inherit; }

/* === Logo flush-left override (push logo to page edge, polished baseline) === */
.site-header .container { padding-left: 0 !important; padding-right: 16px !important; }
.site-header .header-inner { padding-left: 0 !important; }
.site-header .logo { margin-left: -8px !important; }
@media (max-width: 768px) {
  .site-header .container { padding-left: 8px !important; padding-right: 12px !important; }
  .site-header .logo { margin-left: 0 !important; }
  .site-logo-svg { height: 88px !important; }
  .nav-menu { display: none; flex-direction: column; position: absolute; top: 100%; left: 0; right: 0; background: #fff; padding: 16px 24px 24px; box-shadow: 0 8px 32px rgba(0,0,0,0.12); z-index: 999; gap: 0; }
  .nav-menu.open { display: flex; }
  .nav-menu li { border-bottom: 1px solid #f0ede8; }
  .nav-menu li:last-child { border-bottom: none; }
  .nav-menu a { display: block; padding: 14px 0; font-size: 1rem; color: #3A0F1A; }
  .nav-menu .btn { margin-top: 8px; display: block; text-align: center; }
  .mobile-toggle { display: flex !important; align-items: center; justify-content: center; background: none; border: none; font-size: 1.5rem; cursor: pointer; color: #3A0F1A; padding: 8px; }
  .site-header { position: relative; }
}

/* === WOW-UPGRADE CSS START === */

/* ===== Funding Calculator ===== */
.calc-widget-section { padding: 80px 0; background: linear-gradient(135deg, #f8f9fb 0%, #eef1f6 100%); }
.calc-widget { display: grid; grid-template-columns: 1.1fr 1fr; gap: 0; background: #fff; border-radius: 20px; overflow: hidden; box-shadow: 0 30px 80px rgba(10,20,40,0.10), 0 0 0 1px rgba(10,20,40,0.04); max-width: 1100px; margin: 0 auto; }
.calc-widget-left { padding: 48px 44px; }
.calc-widget-right { padding: 48px 44px; background: linear-gradient(135deg, #8B2D3D 0%, #1F1A17 100%); color: #fff; display: flex; flex-direction: column; justify-content: center; }
.calc-eyebrow { font-size: 0.75rem; font-weight: 800; letter-spacing: 3px; color: #8B2D3D; margin-bottom: 12px; }
.calc-title { font-size: 2rem; font-weight: 800; line-height: 1.15; margin: 0 0 12px; color: #1F1A17; }
.calc-subtitle { color: #5a6678; line-height: 1.55; margin: 0 0 32px; font-size: 1rem; }
.calc-control { margin-bottom: 28px; }
.calc-control label { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 12px; font-size: 0.875rem; color: #5a6678; font-weight: 500; }
.calc-control label strong { color: #1F1A17; font-size: 1.125rem; font-weight: 800; font-variant-numeric: tabular-nums; }
.calc-slider { -webkit-appearance: none; appearance: none; width: 100%; height: 8px; border-radius: 4px; background: #e2e8f0; outline: none; cursor: pointer; transition: background 0.2s; }
.calc-slider::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 28px; height: 28px; border-radius: 50%; background: #C9A961; cursor: pointer; box-shadow: 0 4px 12px rgba(0,0,0,0.15), 0 0 0 4px rgba(255,255,255,0.9); transition: transform 0.15s; }
.calc-slider::-webkit-slider-thumb:hover { transform: scale(1.15); }
.calc-slider::-moz-range-thumb { width: 28px; height: 28px; border-radius: 50%; background: #C9A961; cursor: pointer; border: none; box-shadow: 0 4px 12px rgba(0,0,0,0.15); }
.calc-result-label { font-size: 0.75rem; font-weight: 800; letter-spacing: 3px; color: rgba(255,255,255,0.7); text-transform: none; letter-spacing: 0.3px; margin-bottom: 16px; }
.calc-result-amount { font-size: 3.25rem; font-weight: 900; line-height: 1; letter-spacing: -0.02em; margin-bottom: 14px; display: flex; align-items: baseline; gap: 12px; flex-wrap: wrap; color: #C9A961; font-variant-numeric: tabular-nums; }
.calc-result-sep { color: rgba(255,255,255,0.4); font-weight: 400; }
.calc-result-meta { color: rgba(255,255,255,0.85); font-size: 0.9rem; margin-bottom: 28px; line-height: 1.5; }
.calc-cta { display: inline-block; padding: 16px 32px; background: #C9A961; color: #1F1A17; font-weight: 800; text-decoration: none; border-radius: 10px; font-size: 1.05rem; letter-spacing: 0.3px; transition: transform 0.15s, box-shadow 0.15s; box-shadow: 0 8px 22px rgba(0,0,0,0.25); text-align: center; }
.calc-cta:hover { transform: translateY(-2px); box-shadow: 0 14px 32px rgba(0,0,0,0.35); }
.calc-result-note { font-size: 0.75rem; color: rgba(255,255,255,0.6); margin-top: 18px; line-height: 1.5; }
@media (max-width: 880px) {
  .calc-widget { grid-template-columns: 1fr; }
  .calc-widget-left, .calc-widget-right { padding: 36px 28px; }
  .calc-result-amount { font-size: 2.5rem; }
  .calc-title { font-size: 1.65rem; }
}

/* ===== Sticky mobile CTA ===== */
.sticky-mobile-cta { display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 9000; background: #fff; padding: 12px 16px; box-shadow: 0 -8px 30px rgba(0,0,0,0.18); border-top: 1px solid rgba(0,0,0,0.08); }
.sticky-mobile-cta a { display: block; padding: 14px; background: #C9A961; color: #1F1A17; font-weight: 800; text-decoration: none; border-radius: 10px; text-align: center; font-size: 1rem; letter-spacing: 0.3px; }
@media (max-width: 768px) { .sticky-mobile-cta { display: block; } body { padding-bottom: 72px; } }

/* Animated stat counter — start invisible until JS triggers */
.stat-number[data-target] { font-variant-numeric: tabular-nums; }

/* === WOW-UPGRADE CSS END === */

/* === NETWORK-LINKS CSS START === */

/* ===== Network Partners section ===== */
.network-section { padding: 70px 0; background: #f8fafc; border-top: 1px solid rgba(0,0,0,0.05); }
.network-eyebrow { text-align: center; font-size: 0.75rem; font-weight: 800; letter-spacing: 3px; color: #6b7280; text-transform: none; letter-spacing: 0.3px; margin-bottom: 12px; }
.network-title { text-align: center; font-size: clamp(1.6rem, 3vw, 2.2rem); margin: 0 0 12px; color: #0a1421; }
.network-intro { text-align: center; color: #5a6678; max-width: 620px; margin: 0 auto 38px; }
.network-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 16px; max-width: 1000px; margin: 0 auto; }
.network-card { display: flex; flex-direction: column; gap: 4px; padding: 22px 24px; background: #fff; border-radius: 12px; text-decoration: none; color: inherit; box-shadow: 0 4px 18px rgba(10,20,40,0.05); transition: transform 0.15s, box-shadow 0.15s; position: relative; }
.network-card:hover { transform: translateY(-3px); box-shadow: 0 14px 32px rgba(10,20,40,0.10); }
.network-card-name { font-weight: 800; font-size: 1.05rem; color: #0a1421; }
.network-card-tag { font-size: 0.85rem; color: #5a6678; }
.network-card-arrow { position: absolute; top: 22px; right: 24px; font-size: 1.2rem; color: #94a3b8; transition: transform 0.15s, color 0.15s; }
.network-card:hover .network-card-arrow { transform: translateX(4px); color: #0a1421; }

/* ===== Trust Ticker ===== */
.trust-ticker { background: #0a1421; color: #fff; padding: 10px 0; font-size: 0.85rem; border-bottom: 1px solid rgba(255,255,255,0.08); }
.trust-ticker-inner { max-width: 1280px; margin: 0 auto; padding: 0 32px; display: flex; align-items: center; gap: 12px; }
.trust-ticker-pulse { width: 8px; height: 8px; border-radius: 50%; background: #22c55e; box-shadow: 0 0 0 0 rgba(34,197,94,0.7); animation: tickerPulse 2s infinite; flex-shrink: 0; }
@keyframes tickerPulse { 0% { box-shadow: 0 0 0 0 rgba(34,197,94,0.6); } 70% { box-shadow: 0 0 0 8px rgba(34,197,94,0); } 100% { box-shadow: 0 0 0 0 rgba(34,197,94,0); } }
.trust-ticker-label { font-weight: 700; color: #22c55e; text-transform: none; letter-spacing: 0.3px; font-size: 0.7rem; letter-spacing: 1.5px; }
.trust-ticker-text { color: rgba(255,255,255,0.92); transition: opacity 0.35s; }
@media (max-width: 540px) { .trust-ticker-inner { padding: 0 12px; font-size: 0.78rem; } .trust-ticker-label { display: none; } }

/* === NETWORK-LINKS CSS END === */


/* Footer utility links */
.footer-utility a { color: rgba(255,255,255,0.6); text-decoration: none; transition: color 0.15s; margin: 0 4px; }
.footer-utility a:hover { color: rgba(255,255,255,0.95); }


/* Header search */
.nav-search { display: inline-flex; align-items: center; }
.nav-search input { padding: 7px 14px; border-radius: 100px; border: 1px solid rgba(0,0,0,0.1); font-size: 0.85rem; background: rgba(0,0,0,0.04); transition: all 0.15s; min-width: 160px; outline: none; font-family: inherit; }
.nav-search input:focus { background: #fff; border-color: rgba(0,0,0,0.2); box-shadow: 0 0 0 3px rgba(0,0,0,0.06); }


@media (max-width: 980px) {
  .nav-search { display: none; }
}


/* Popular Resources section */
.popular-section { padding: 70px 0; background: linear-gradient(180deg, #fff 0%, #f8fafc 100%); }
.popular-eyebrow { text-align: center; font-size: 0.75rem; font-weight: 800; letter-spacing: 3px; color: #6b7280; text-transform: none; letter-spacing: 0.3px; margin-bottom: 12px; }
.popular-title { text-align: center; font-size: clamp(1.6rem, 3vw, 2.2rem); margin: 0 0 44px; }
.popular-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 32px; max-width: 1100px; margin: 0 auto; }
.popular-col { background: #fff; padding: 28px 30px; border-radius: 12px; box-shadow: 0 4px 18px rgba(10,20,40,0.05); border-top: 3px solid; }
.popular-col h3 { font-size: 1rem; margin: 0 0 18px; padding-bottom: 12px; border-bottom: 1px solid #eef1f5; letter-spacing: 0.3px; }
.popular-col ul { list-style: none; padding: 0; margin: 0; }
.popular-col li { padding: 6px 0; }
.popular-col a { text-decoration: none; font-size: 0.94rem; line-height: 1.5; padding: 4px 0; display: block; transition: color 0.15s, transform 0.15s; }
.popular-col a:hover { transform: translateX(3px); }

.popular-col { border-top-color: #C9A961; }
.popular-col h3 { color: #3A0F1A; }
.popular-col a { color: #3A0F1A; }
.popular-col a:hover { color: #C9A961; }

/* === SVG icon refinement (added for Clover-style aesthetic) === */
.card-icon { display: flex; align-items: center; justify-content: center; }
.card-icon svg { width: 28px; height: 28px; }
.trust-badge-icon { display: flex; align-items: center; justify-content: center; }
.trust-badge-icon svg { width: 22px; height: 22px; }
/* Restore selective uppercase only where it reads as label, not headline */
.section-eyebrow, .nav-search-item { text-transform: uppercase !important; letter-spacing: 0.12em !important; font-size: 0.72rem; }
.btn, button { text-transform: none !important; letter-spacing: 0.2px; font-weight: 600; }


/* ===== REVIEW TRUST BAR ===== */
.review-trust-bar {
  background: #3A0F1A;
  padding: 9px 0;
  font-size: 0.78rem;
  font-weight: 500;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.review-trust-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 32px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}
.review-trust-left {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}
.rtb-item {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: #C9A961;
  opacity: 0.95;
}
.rtb-stars {
  color: #C9A961;
  font-size: 0.75rem;
  letter-spacing: 1px;
}
.rtb-text strong {
  color: #C9A961;
}
.rtb-divider {
  color: #C9A961;
  opacity: 0.3;
  font-size: 0.9rem;
  padding: 0 4px;
}
.review-trust-right {
  display: flex;
  align-items: center;
  gap: 12px;
}
.rtb-phone {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: #C9A961;
  font-weight: 700;
  text-decoration: none;
  opacity: 0.9;
  transition: opacity 0.15s;
}
.rtb-phone:hover { opacity: 1; color: #C9A961; }
.rtb-social {
  display: flex;
  gap: 10px;
  align-items: center;
}
.rtb-social-link {
  color: #C9A961;
  opacity: 0.7;
  transition: opacity 0.15s;
  display: flex;
  align-items: center;
}
.rtb-social-link:hover { opacity: 1; }
@media (max-width: 768px) {
  .review-trust-bar { display: none; }
}
/* ===== END REVIEW TRUST BAR ===== */

/* ===== REDLINE ELEMENTS — PRODUCT TICKER ===== */
.product-ticker {
  background: #1A0A0D;
  border-top: 2px solid #C9A961;
  border-bottom: 2px solid rgba(255,255,255,0.04);
  overflow: hidden;
  padding: 0;
  position: relative;
}
.product-ticker::before,
.product-ticker::after {
  content: '';
  position: absolute;
  top: 0; bottom: 0;
  width: 80px;
  z-index: 2;
  pointer-events: none;
}
.product-ticker::before { left: 0; background: linear-gradient(90deg, #1A0A0D 0%, transparent 100%); }
.product-ticker::after  { right: 0; background: linear-gradient(270deg, #1A0A0D 0%, transparent 100%); }
.product-ticker-track {
  display: flex;
  flex-wrap: nowrap;
  white-space: nowrap;
  width: max-content;
  animation: tickerScroll 28s linear infinite;
  padding: 13px 0;
}
.product-ticker-track:hover { animation-play-state: paused; cursor: default; }
@keyframes tickerScroll {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
.ticker-item {
  display: inline-flex;
  align-items: center;
  flex-shrink: 0;
  padding: 0 36px;
  font-family: 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: rgba(255,255,255,0.75);
}
.ticker-item::after {
  content: '◆';
  display: inline-block;
  margin-left: 36px;
  font-size: 0.45rem;
  color: #C9A961;
  opacity: 0.7;
  vertical-align: middle;
}
.ticker-item:last-child::after { display: none; }

/* ===== CLIENTS BAR ===== */
.clients-bar {
  background: #f9fafb;
  padding: 52px 0;
  border-bottom: 1px solid rgba(0,0,0,0.06);
}
.clients-bar-eyebrow {
  text-align: center;
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: #9ca3af;
  margin-bottom: 32px;
}
.clients-logo-grid {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 0;
  flex-wrap: wrap;
}
.client-logo-item {
  font-family: 'Inter', sans-serif;
  font-size: 0.8125rem;
  font-weight: 700;
  color: #6b7280;
  padding: 0 36px;
  letter-spacing: 1px;
  text-transform: uppercase;
  white-space: nowrap;
  position: relative;
}
.client-logo-item::after {
  content: '';
  position: absolute;
  right: 0; top: 50%;
  transform: translateY(-50%);
  width: 1px; height: 20px;
  background: #e5e7eb;
}
.client-logo-item:last-child::after { display: none; }
/* ===== END REDLINE ELEMENTS ===== */


/* ===== TESTIMONIALS SECTION ===== */
.testimonials-section { padding: 80px 0; }
.testi-header { text-align: center; margin-bottom: 48px; }
.testi-header h2 { color: #fff; margin-bottom: 0; }
.testi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testi-card { background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.12); border-radius: 4px; padding: 32px; display: flex; flex-direction: column; }
.testi-stars { font-size: 1rem; letter-spacing: 2px; margin-bottom: 16px; }
.testi-quote { color: rgba(255,255,255,0.85); font-size: 0.9375rem; line-height: 1.75; font-style: italic; flex: 1; margin-bottom: 24px; }
.testi-author { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 18px; }
.testi-author strong { display: block; color: #fff; font-size: 0.9375rem; margin-bottom: 4px; }
.testi-author span { color: rgba(255,255,255,0.5); font-size: 0.8125rem; }
.testi-aggregate { text-align: center; margin-top: 40px; background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.08); border-radius: 100px; padding: 12px 32px; display: inline-block; width: 100%; max-width: 500px; margin-left: auto; margin-right: auto; display: flex; justify-content: center; align-items: center; gap: 12px; font-size: 0.875rem; color: rgba(255,255,255,0.7); }
.testi-aggregate strong { color: #fff; }
@media (max-width: 768px) { .testi-grid { grid-template-columns: 1fr; } }
/* ===== END TESTIMONIALS ===== */

/* logo-size-fix */
.site-header .logo{height:auto;}
.site-header .logo img{height:84px !important;width:auto !important;max-height:84px;}
@media (max-width:600px){.site-header .logo img{height:60px !important;}}