/* Ben Ong Advisory v2 — dark, trustworthy, readable */
:root {
  --navy-deep:   #070F1A;
  --navy-mid:    #0C1928;
  --navy-card:   #111F33;
  --navy-hover:  #17293F;
  --gold:        #C9A04A;
  --gold-light:  #E4C078;
  --gold-pale:   rgba(201,160,74,0.10);
  --gold-border: rgba(201,160,74,0.26);
  --cream:       #F4EDDC;
  --cream-muted: #C4B394;
  --text:        #B8C7DA;   /* raised contrast for easy reading */
  --text-dim:    #8CA0B8;
  --green:       #4CAF7D;
  --red:         #E2704F;
  --radius:      12px;
  --radius-lg:   20px;
  --serif: 'Playfair Display', 'Noto Serif SC', Georgia, serif;
  --sans: 'Inter', 'Noto Sans SC', -apple-system, system-ui, sans-serif;
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--sans);
  background: var(--navy-deep);
  color: var(--cream);
  line-height: 1.7;
  font-size: 16px;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
body.lang-zh { line-height: 1.85; letter-spacing: 0.01em; }
a { text-decoration: none; color: inherit; }
img { display: block; }

.scroll-progress {
  position: fixed; top: 0; left: 0; z-index: 200;
  height: 2px; width: 0;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
}

/* ── HEADER ── */
header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: rgba(7,15,26,0.92);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--gold-border);
  height: 72px;
  display: flex; align-items: center;
  padding: 0 clamp(1.5rem, 5vw, 4rem);
}
header.scrolled { box-shadow: 0 4px 40px rgba(0,0,0,0.5); }
nav { display: flex; align-items: center; width: 100%; gap: 20px; }
.logo-wrap { display: flex; align-items: center; gap: 14px; flex: 1; }
.logo-mark {
  width: 40px; height: 40px; flex-shrink: 0;
  background: linear-gradient(135deg, #C9A04A 0%, #E4C078 50%, #C9A04A 100%);
  clip-path: polygon(50% 0%, 100% 25%, 100% 75%, 50% 100%, 0% 75%, 0% 25%);
  display: flex; align-items: center; justify-content: center;
}
.logo-mark img { width: 34px; height: auto; mix-blend-mode: multiply; }
.logo-text { min-width: 0; }
.logo-name { font-family: var(--serif); font-size: 17px; font-weight: 600; color: var(--cream); line-height: 1.2; white-space: nowrap; }
.logo-tag  { font-size: 9px; color: var(--gold); letter-spacing: 3px; text-transform: uppercase; white-space: nowrap; }
.nav-links { display: flex; align-items: center; gap: 26px; flex-shrink: 0; }
.nav-links > a {
  font-size: 12px; letter-spacing: 1.5px; text-transform: uppercase; white-space: nowrap;
  color: var(--text); transition: color 0.2s;
}
.nav-links > a:hover { color: var(--gold); }
.nav-cta {
  padding: 9px 24px; border-radius: 50px;
  background: var(--gold-pale); border: 1px solid var(--gold-border);
  font-size: 12px; letter-spacing: 1px; text-transform: uppercase;
  color: var(--gold) !important; transition: all 0.25s;
}
.nav-cta:hover { background: var(--gold); color: var(--navy-deep) !important; }

/* language toggle */
.lang-toggle {
  display: flex; border: 1px solid var(--gold-border); border-radius: 50px;
  overflow: hidden; flex-shrink: 0;
}
.lang-toggle button {
  appearance: none; border: 0; background: transparent;
  color: var(--text-dim); font-family: var(--sans);
  font-size: 11px; letter-spacing: 0.5px; padding: 7px 14px;
  cursor: pointer; transition: all 0.2s;
}
.lang-toggle button.active { background: var(--gold); color: var(--navy-deep); font-weight: 600; }
@media(max-width:1080px) { .nav-links > a:not(.nav-cta) { display: none; } }

/* ── HERO ── */
#hero {
  min-height: 88vh;
  display: flex; align-items: center;
  padding: 140px clamp(1.5rem, 8vw, 8rem) 60px;
  position: relative; overflow: hidden;
}
.hero-bg {
  position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(ellipse 60% 60% at 70% 50%, rgba(201,160,74,0.07) 0%, transparent 70%),
    radial-gradient(ellipse 40% 40% at 20% 80%, rgba(201,160,74,0.04) 0%, transparent 60%);
}
.hero-grid-lines {
  position: absolute; inset: 0; pointer-events: none;
  background-image:
    linear-gradient(rgba(201,160,74,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,160,74,0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, black 0%, transparent 100%);
}
.hero-inner { position: relative; z-index: 1; width: 100%; max-width: 1200px; margin: 0 auto; }
.hero-layout {
  display: grid; grid-template-columns: 1.5fr 1fr;
  gap: 64px; align-items: center;
}
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: 11px; letter-spacing: 4px; text-transform: uppercase;
  color: var(--gold); margin-bottom: 28px;
}
.hero-eyebrow::before { content: ''; display: block; width: 24px; height: 1px; background: var(--gold); opacity: 0.5; }
.hero-title {
  font-family: var(--serif);
  font-size: clamp(38px, 5vw, 62px); font-weight: 700;
  line-height: 1.1; color: var(--cream);
  margin-bottom: 24px; letter-spacing: -0.5px;
}
.hero-title em { color: var(--gold); font-style: italic; }
body.lang-zh .hero-title em { font-style: normal; }
.hero-subtitle {
  font-size: 17px; color: var(--text);
  max-width: 520px; line-height: 1.85; font-weight: 300;
  margin-bottom: 36px;
}
.hero-subtitle strong { color: var(--cream-muted); font-weight: 500; }
.hero-points { list-style: none; display: flex; flex-direction: column; gap: 12px; margin-bottom: 34px; max-width: 540px; }
.hero-points li { position: relative; padding-left: 30px; font-size: 15.5px; color: var(--text); line-height: 1.6; }
.hero-points li strong { color: var(--cream); font-weight: 500; }
.hero-points li::before {
  content: ''; position: absolute; left: 0; top: 4px;
  width: 18px; height: 18px; border-radius: 50%;
  background: var(--gold-pale); border: 1px solid var(--gold-border);
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23C9A04A' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'><path d='M5 13l4 4L19 7'/></svg>");
  background-size: 12px 12px; background-position: center; background-repeat: no-repeat;
}
.offer-pair { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 18px; }
.offer-card {
  position: relative; overflow: hidden;
  display: flex; flex-direction: column; gap: 7px;
  background: var(--navy-card); border: 1px solid var(--gold-border);
  border-radius: var(--radius-lg); padding: 22px 20px 20px;
  transition: transform 0.25s, border-color 0.25s, box-shadow 0.25s, background 0.25s;
}
.offer-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 2px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  opacity: 0.65; transition: opacity 0.25s;
}
.offer-card:hover { transform: translateY(-3px); border-color: var(--gold); background: #14202E; box-shadow: 0 18px 46px rgba(0,0,0,0.45); }
.offer-card:hover::before { opacity: 1; }
.offer-n { font-family: var(--serif); font-size: 12px; color: var(--gold); opacity: 0.7; }
.offer-t { font-family: var(--serif); font-size: 22px; font-weight: 600; color: var(--cream); line-height: 1.2; }
.offer-d { font-size: 14px; color: var(--text); line-height: 1.6; }
.offer-go {
  align-self: flex-start; margin-top: 12px;
  display: inline-flex; align-items: center; gap: 6px;
  background: linear-gradient(135deg, #C9A04A, #E4C078); color: #101B27;
  padding: 9px 16px; border-radius: 40px;
  font-size: 11px; letter-spacing: 1.4px; text-transform: uppercase; font-weight: 600;
  box-shadow: 0 6px 18px rgba(201,160,74,0.22);
  transition: box-shadow 0.25s, transform 0.25s;
}
.offer-card:hover .offer-go { transform: translateX(3px); box-shadow: 0 10px 26px rgba(201,160,74,0.4); }
.hero-mini-link { font-size: 13px; color: var(--text-dim); border-bottom: 1px solid var(--gold-border); transition: color 0.2s; }
.hero-mini-link:hover { color: var(--gold-light); }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }
.btn-gold {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 15px 32px; border-radius: 50px;
  background: linear-gradient(135deg, #C9A04A, #E4C078);
  color: var(--navy-deep); font-size: 13px; font-weight: 600;
  letter-spacing: 1px; text-transform: uppercase; transition: all 0.25s;
}
.btn-gold:hover { box-shadow: 0 8px 32px rgba(201,160,74,0.35); transform: translateY(-2px); }
.btn-line {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 14px 30px; border-radius: 50px;
  border: 1px solid var(--gold-border); color: var(--gold);
  font-size: 13px; letter-spacing: 1px; text-transform: uppercase; transition: all 0.25s;
}
.btn-line:hover { background: var(--gold-pale); border-color: var(--gold); }

/* hero portrait */
.hero-portrait { position: relative; max-width: 380px; justify-self: end; }
.hero-portrait-frame {
  border-radius: var(--radius-lg); overflow: hidden;
  border: 1px solid var(--gold-border);
  box-shadow: 0 32px 80px rgba(0,0,0,0.55);
  position: relative;
}
.hero-portrait-frame::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(0deg, rgba(7,15,26,0.55) 0%, transparent 38%);
}
.hero-portrait img { width: 100%; aspect-ratio: 3/4; object-fit: cover; object-position: center top; }
.hero-portrait-name {
  position: absolute; bottom: 20px; left: 20px; right: 20px; z-index: 2;
}
.hero-portrait-name .n { font-family: var(--serif); font-size: 20px; font-weight: 600; color: #fff; }
.hero-portrait-name .t { font-size: 10.5px; letter-spacing: 2px; text-transform: uppercase; color: var(--gold-light); }
.verify-chip {
  position: absolute; top: 16px; right: 16px; z-index: 2;
  display: inline-flex; align-items: center; gap: 7px;
  background: rgba(7,15,26,0.82); backdrop-filter: blur(8px);
  border: 1px solid var(--gold-border); border-radius: 50px;
  padding: 7px 14px; font-size: 10px; letter-spacing: 1.2px;
  text-transform: uppercase; color: var(--gold-light);
  transition: all 0.25s;
}
.verify-chip:hover { background: var(--gold); color: var(--navy-deep); }
.verify-chip svg { width: 13px; height: 13px; stroke: currentColor; fill: none; stroke-width: 2; }

/* trust stats bar */
.trust-bar {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 1px; background: var(--gold-border);
  border: 1px solid var(--gold-border); border-radius: var(--radius-lg);
  overflow: hidden; margin-top: 64px;
}
.trust-cell { background: var(--navy-mid); padding: 24px 26px; }
.trust-num { font-family: var(--serif); font-size: 30px; font-weight: 700; color: var(--gold-light); line-height: 1.1; }
.trust-label { font-size: 11.5px; letter-spacing: 1px; text-transform: uppercase; color: var(--text-dim); margin-top: 6px; }

/* ── SECTION SHARED ── */
section { padding: 100px clamp(1.5rem, 8vw, 8rem); }
.section-inner { max-width: 1200px; margin: 0 auto; }
.section-eyebrow { font-size: 10px; letter-spacing: 4px; text-transform: uppercase; color: var(--gold); margin-bottom: 14px; }
.section-title {
  font-family: var(--serif);
  font-size: clamp(28px, 4vw, 44px); font-weight: 600;
  color: var(--cream); line-height: 1.2; margin-bottom: 20px;
}
.section-title em { color: var(--gold); font-style: italic; }
body.lang-zh .section-title em { font-style: normal; }
.section-lead { font-size: 16px; color: var(--text); max-width: 620px; line-height: 1.85; }

/* ── PLANNER (GoalsMapper-benchmark) ── */
#calculator { background: var(--navy-mid); }
.planner-shell {
  margin-top: 52px;
  display: grid; grid-template-columns: 340px 1fr;
  background: var(--navy-card);
  border: 1px solid var(--gold-border); border-radius: var(--radius-lg);
  overflow: hidden;
}
.planner-side {
  padding: 34px 30px;
  border-right: 1px solid var(--gold-border);
  display: flex; flex-direction: column; gap: 22px;
}
.planner-side-head {
  display: flex; justify-content: space-between; align-items: center;
  font-size: 10px; letter-spacing: 2.5px; text-transform: uppercase; color: var(--gold);
}
.live-dot { display: inline-flex; align-items: center; gap: 7px; color: var(--green); letter-spacing: 1.5px; }
.live-dot::before { content: ''; width: 6px; height: 6px; border-radius: 50%; background: var(--green); animation: pulse 1.6s infinite; }
@keyframes pulse { 0%,100% { opacity: 1; } 50% { opacity: 0.25; } }

.ctrl { display: flex; flex-direction: column; gap: 9px; }
.ctrl-row { display: flex; justify-content: space-between; align-items: baseline; }
.ctrl-name { font-size: 13px; color: var(--text); }
.ctrl-val { font-size: 15px; font-weight: 600; color: var(--gold-light); font-variant-numeric: tabular-nums; }
input[type="range"] {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 4px; border-radius: 4px;
  background: rgba(201,160,74,0.22); outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--gold); border: 3px solid var(--navy-card);
  box-shadow: 0 0 0 1px var(--gold); cursor: grab;
}
input[type="range"]::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--gold); border: 3px solid var(--navy-card);
  box-shadow: 0 0 0 1px var(--gold); cursor: grab;
}
.planner-main { padding: 34px 36px; display: flex; flex-direction: column; gap: 22px; min-width: 0; }
.planner-chart-head { display: flex; justify-content: space-between; align-items: baseline; flex-wrap: wrap; gap: 8px; }
.planner-chart-title { font-size: 12px; letter-spacing: 2px; text-transform: uppercase; color: var(--text-dim); }
.legend { display: flex; gap: 18px; font-size: 11px; color: var(--text-dim); flex-wrap: wrap; }
.legend span { display: inline-flex; align-items: center; gap: 7px; }
.legend i { width: 14px; height: 3px; border-radius: 2px; display: inline-block; }
.chart-box { width: 100%; }
.chart-box svg { width: 100%; height: auto; display: block; }

.verdict {
  border-radius: var(--radius); padding: 16px 22px;
  display: flex; align-items: center; gap: 14px;
  font-size: 14px; line-height: 1.6;
  border: 1px solid;
}
.verdict.ok { background: rgba(76,175,125,0.08); border-color: rgba(76,175,125,0.35); color: #A9DDC2; }
.verdict.warn { background: rgba(226,112,79,0.08); border-color: rgba(226,112,79,0.35); color: #F0B5A2; }
.verdict b { font-weight: 600; }

.stat-cells {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 1px; background: var(--gold-border);
  border: 1px solid var(--gold-border); border-radius: var(--radius);
  overflow: hidden;
}
.stat-cell { background: var(--navy-mid); padding: 16px 18px; }
.stat-cell-label { font-size: 9.5px; letter-spacing: 1.5px; text-transform: uppercase; color: var(--text-dim); margin-bottom: 6px; }
.stat-cell-val { font-family: var(--serif); font-size: 21px; font-weight: 600; color: var(--cream); font-variant-numeric: tabular-nums; }
.stat-cell-sub { font-size: 10.5px; color: var(--gold); margin-top: 3px; }

.planner-cta { align-self: flex-start; margin-top: 4px; }

/* ── WHAT I HELP WITH · looping showcase ── */
#services { background: var(--navy-mid); }
.worry-loop { display: grid; grid-template-columns: 290px 1fr; gap: 20px; margin-top: 44px; align-items: stretch; }
.worry-rail { display: flex; flex-direction: column; gap: 8px; }
.worry-chip {
  position: relative; overflow: hidden; cursor: pointer;
  display: flex; align-items: center; gap: 12px; text-align: left;
  background: transparent; border: 1px solid transparent; border-radius: var(--radius);
  padding: 14px 16px; color: var(--text-dim);
  font-family: var(--sans); font-size: 14px; line-height: 1.4;
  transition: color 0.3s, background 0.3s, border-color 0.3s;
}
.worry-chip:hover { color: var(--cream); }
.wc-n { font-family: var(--serif); font-size: 12px; color: var(--gold); opacity: 0.65; flex-shrink: 0; }
.worry-chip.active { background: var(--navy-card); border-color: var(--gold-border); color: var(--cream); }
.wc-bar {
  position: absolute; left: 0; bottom: 0; height: 2px; width: 100%;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0); transform-origin: left;
}
.worry-chip.active .wc-bar { animation: wcFill var(--dur, 5s) linear forwards; }
.worry-loop.paused .worry-chip.active .wc-bar { animation-play-state: paused; }
@keyframes wcFill { from { transform: scaleX(0); } to { transform: scaleX(1); } }
.worry-stage {
  position: relative; background: var(--navy-card);
  border: 1px solid var(--gold-border); border-radius: var(--radius-lg);
  padding: 40px 38px; min-height: 300px; display: flex; flex-direction: column;
}
.worry-stage::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}
.worry-slide { display: none; }
.worry-slide.active { display: block; animation: wSlideIn 0.55s cubic-bezier(0.2,0.7,0.2,1) both; }
@keyframes wSlideIn { from { opacity: 0; transform: translateY(16px); } to { opacity: 1; transform: none; } }
.worry-stage .svc-icon { width: 56px; height: 56px; margin-bottom: 22px; }
.worry-stage .svc-icon svg { width: 26px; height: 26px; }
.worry-stage .svc-title { font-size: 27px; line-height: 1.25; margin-bottom: 14px; }
.worry-stage .svc-desc { font-size: 16.5px; line-height: 1.85; max-width: 54ch; }
.svc-partner { display: flex; align-items: center; gap: 14px; margin-top: 24px; }
.svc-partner-label { font-size: 10px; letter-spacing: 2.5px; text-transform: uppercase; color: var(--text-dim); white-space: nowrap; }
.svc-partner img { height: 34px; width: auto; background: #fff; border-radius: 8px; padding: 6px 10px; }
.worry-cta {
  margin-top: auto; padding-top: 28px; align-self: flex-start;
  color: var(--gold); font-size: 12px; letter-spacing: 1.5px; text-transform: uppercase;
  transition: color 0.2s;
}
.worry-cta:hover { color: var(--gold-light); }
@media (prefers-reduced-motion: reduce) { .worry-slide.active { animation: none; } .worry-chip.active .wc-bar { animation: none; transform: scaleX(1); } }
.svc-icon {
  width: 50px; height: 50px; border-radius: 12px;
  background: var(--gold-pale); border: 1px solid var(--gold-border);
  display: flex; align-items: center; justify-content: center; margin-bottom: 18px;
}
.svc-icon svg { width: 23px; height: 23px; stroke: var(--gold); fill: none; stroke-width: 1.5; }
.svc-title { font-family: var(--serif); font-size: 19px; font-weight: 600; color: var(--cream); margin-bottom: 10px; }
.svc-desc { font-size: 13.5px; color: var(--text); line-height: 1.8; }

/* ── ABOUT ── */
.about-grid {
  display: grid; grid-template-columns: 1fr 1.4fr;
  gap: 72px; align-items: center; max-width: 1150px; margin: 0 auto;
}
.portrait-frame {
  width: 100%; aspect-ratio: 3/4; border-radius: var(--radius-lg);
  border: 1px solid var(--gold-border); overflow: hidden; position: relative;
}
.portrait-frame img { width: 100%; height: 100%; object-fit: cover; object-position: center top; }
.about-portrait { position: relative; }
.portrait-badge {
  position: absolute; bottom: -16px; right: -16px;
  background: linear-gradient(135deg, #C9A04A, #E4C078);
  border-radius: var(--radius); padding: 16px 20px; text-align: center;
}
.badge-num { font-family: var(--serif); font-size: 28px; font-weight: 700; color: var(--navy-deep); line-height: 1; }
.badge-text { font-size: 9px; letter-spacing: 1.5px; text-transform: uppercase; color: var(--navy-deep); opacity: 0.8; }
.about-name { font-family: var(--serif); font-size: 34px; font-weight: 700; color: var(--cream); margin-bottom: 6px; }
.about-cred-row { display: flex; align-items: center; gap: 16px; margin-bottom: 26px; flex-wrap: wrap; }
.about-title { font-size: 13px; letter-spacing: 2px; text-transform: uppercase; color: var(--gold); }
.cfp-mark {
  background: #fff; border-radius: 10px; padding: 8px 12px;
  display: inline-flex; align-items: center; flex-shrink: 0;
  box-shadow: 0 6px 20px rgba(0,0,0,0.35);
}
.cfp-mark img { height: 40px; width: auto; }
.hero-cfp { position: absolute; top: 16px; left: 16px; z-index: 2; padding: 7px 10px; }
.hero-cfp img { height: 30px; }
.about-text { font-size: 15px; color: var(--text); line-height: 1.9; margin-bottom: 16px; }
.about-text strong { color: var(--cream-muted); font-weight: 500; }
.cred-list { list-style: none; margin-top: 26px; display: flex; flex-direction: column; gap: 10px; }
.cred-item { display: flex; align-items: flex-start; gap: 12px; font-size: 13.5px; color: var(--text); }
.cred-dot { width: 5px; height: 5px; background: var(--gold); border-radius: 50%; margin-top: 8px; flex-shrink: 0; }
.verify-btn {
  display: inline-flex; align-items: center; gap: 10px;
  margin-top: 30px; padding: 13px 26px;
  border-radius: 50px; border: 1px solid var(--gold-border);
  background: var(--gold-pale); color: var(--gold);
  font-size: 12px; letter-spacing: 1px; text-transform: uppercase;
  font-weight: 500; transition: all 0.25s;
}
.verify-btn:hover { background: var(--gold); color: var(--navy-deep); }
.verify-btn svg { width: 15px; height: 15px; stroke: currentColor; fill: none; stroke-width: 2; flex-shrink: 0; }
.verify-note { font-size: 11.5px; color: var(--text-dim); margin-top: 10px; line-height: 1.7; }
.verify-note strong { color: var(--cream-muted); }
@media(max-width:820px) {
  .about-grid { grid-template-columns: 1fr; gap: 44px; }
  .hero-layout { display: flex; flex-direction: column; }
  .hero-layout { grid-template-columns: 1fr; }
  .trust-bar { grid-template-columns: repeat(2, 1fr); }
  .planner-shell { grid-template-columns: 1fr; }
  .planner-side { border-right: 0; border-bottom: 1px solid var(--gold-border); }
  .stat-cells { grid-template-columns: repeat(2, 1fr); }
}

/* ── PANELS / MARQUEES ── */
#panels { border-top: 1px solid var(--gold-border); }
.panels-intro { max-width: 760px; margin-bottom: 56px; }
.panels-intro p { font-size: 15px; color: var(--text); line-height: 1.9; }
.panels-intro strong { color: var(--cream-muted); }
.panel-category { margin-bottom: 48px; }
.panel-divider {
  display: flex; align-items: center; gap: 20px;
  margin: 0 0 30px; font-size: 11px; letter-spacing: 3.5px;
  text-transform: uppercase; color: var(--cream-muted); white-space: nowrap;
}
.panel-divider::before, .panel-divider::after {
  content: ''; height: 1px; flex: 1;
  background: linear-gradient(90deg, transparent, var(--gold-border), transparent);
}
.inline-link { color: var(--gold); border-bottom: 1px solid var(--gold-border); transition: color 0.2s, border-color 0.2s; }
.inline-link:hover { color: var(--gold-light); border-color: var(--gold-light); }
.inline-link strong { color: inherit; }
.panel-cat-label {
  font-size: 10px; letter-spacing: 3px; text-transform: uppercase;
  color: var(--gold); font-weight: 600; margin-bottom: 20px;
  display: flex; align-items: center; gap: 14px;
}
.panel-cat-label::after { content: ''; flex: 1; height: 1px; background: var(--gold-border); }
.panel-cat-label small { font-size: 10px; color: var(--text-dim); font-weight: 400; letter-spacing: 1px; text-transform: none; }

.marquee-wrap { overflow: hidden; position: relative; }
.marquee-wrap::before, .marquee-wrap::after {
  content: ''; position: absolute; top: 0; bottom: 0; width: 90px; z-index: 2; pointer-events: none;
}
.marquee-wrap::before { left: 0; background: linear-gradient(90deg, var(--navy-deep), transparent); }
.marquee-wrap::after  { right: 0; background: linear-gradient(270deg, var(--navy-deep), transparent); }
.marquee-track {
  display: flex; gap: 12px; width: max-content;
  will-change: transform; backface-visibility: hidden;
  transform: translate3d(0,0,0);
}
.marquee-track.ready { animation: marqueeScroll var(--speed, 45s) linear infinite; }
.marquee-track:hover { animation-play-state: paused; }
@keyframes marqueeScroll { from { transform: translate3d(0,0,0); } to { transform: translate3d(-50%,0,0); } }
@media (prefers-reduced-motion: reduce) { .marquee-track { animation: none; flex-wrap: wrap; width: auto; } }

.logo-chip {
  background: #FDFDFB;
  border-radius: 9px;
  padding: 0 20px; height: 60px; min-width: 120px;
  display: flex; align-items: center; justify-content: center; gap: 10px;
  flex-shrink: 0; transition: transform 0.2s, box-shadow 0.2s;
}
.logo-chip:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(0,0,0,0.45); }
.logo-chip img { max-height: 40px; max-width: 140px; width: auto; height: auto; object-fit: contain; }
.logo-chip .chip-name {
  font-size: 11.5px; font-weight: 700; color: #0d1f36;
  white-space: nowrap; letter-spacing: 0.2px; line-height: 1.3; text-align: center;
}
.panel-foot { font-size: 12px; color: var(--text-dim); margin-top: 8px; line-height: 1.7; }

/* ── FAQ ── */
#faq { background: var(--navy-mid); }
.faq-wrap { max-width: 820px; margin: 48px auto 0; }
.faq-item { border-bottom: 1px solid var(--gold-border); }
.faq-item:first-child { border-top: 1px solid var(--gold-border); }
.faq-q {
  width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 24px;
  padding: 24px 4px; cursor: pointer; background: none; border: 0; text-align: left;
  font-family: var(--serif); font-size: 19px; font-weight: 600; color: var(--cream);
}
.faq-q:hover { color: var(--gold-light); }
.faq-tog {
  width: 30px; height: 30px; border-radius: 50%; flex-shrink: 0;
  border: 1px solid var(--gold-border); color: var(--gold);
  display: grid; place-items: center; font-size: 16px; transition: all 0.25s;
}
.faq-item.open .faq-tog { background: var(--gold); color: var(--navy-deep); transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.4s ease; }
.faq-a-inner { padding: 0 4px 26px; font-size: 14.5px; color: var(--text); line-height: 1.85; max-width: 700px; }
.faq-item.open .faq-a { max-height: 320px; }

/* ── CONTACT ── */
#contact { text-align: center; }
.contact-inner {
  max-width: 680px; margin: 0 auto;
  background: var(--navy-card); border: 1px solid var(--gold-border);
  border-radius: var(--radius-lg); padding: 60px 48px;
  position: relative; overflow: hidden;
}
.contact-inner::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}
.contact-title { font-family: var(--serif); font-size: clamp(26px, 4vw, 38px); font-weight: 600; color: var(--cream); margin-bottom: 16px; }
.contact-title em { color: var(--gold); font-style: italic; }
.contact-desc { font-size: 15px; color: var(--text); line-height: 1.85; margin-bottom: 40px; }
.contact-details { display: flex; justify-content: center; gap: 40px; flex-wrap: wrap; margin-bottom: 36px; }
.contact-item { display: flex; flex-direction: column; align-items: center; gap: 6px; }
.contact-label { font-size: 9px; letter-spacing: 2.5px; text-transform: uppercase; color: var(--text-dim); }
.contact-val { font-size: 14px; color: var(--cream); font-weight: 500; }
.contact-val a:hover { color: var(--gold); }
.whatsapp-btn {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 15px 36px; border-radius: 50px;
  background: #25D366; color: #fff;
  font-size: 13px; letter-spacing: 1px; text-transform: uppercase; font-weight: 600;
  transition: all 0.25s;
}
.whatsapp-btn:hover { background: #1ebe5a; box-shadow: 0 8px 24px rgba(37,211,102,0.4); transform: translateY(-2px); }

/* ── FOOTER ── */
footer {
  border-top: 1px solid var(--gold-border);
  padding: 32px clamp(1.5rem, 8vw, 8rem);
  display: flex; align-items: center; justify-content: space-between;
  flex-wrap: wrap; gap: 16px;
}
.footer-left { font-family: var(--serif); font-size: 15px; color: var(--cream); }
.footer-right { font-size: 11px; color: var(--text-dim); }
.footer-right a { color: var(--gold); }

/* ── MOBILE STICKY CTA ── */
.mobile-cta {
  display: none; position: fixed; z-index: 150;
  left: 16px; right: 16px; bottom: 16px;
  align-items: center; justify-content: center; gap: 10px;
  height: 54px; border-radius: 50px;
  background: #25D366; color: #fff;
  font-size: 15px; font-weight: 600; letter-spacing: 0.4px;
  box-shadow: 0 10px 30px rgba(0,0,0,0.45);
}
.mobile-cta svg { width: 20px; height: 20px; fill: #fff; }

/* ── MOBILE ── */
@media(max-width:820px) {
  section { padding: 72px clamp(1.25rem, 5vw, 3rem); }
  /* mobile reading order: profile first, then the offers */
  body { display: flex; flex-direction: column; }
  #about { order: 1; padding-top: 96px; }
  #hero { order: 2; }
  #panels { order: 3; }
  #services { order: 4; }
  #calculator { order: 5; }
  #faq { order: 6; }
  #contact { order: 7; }
  footer { order: 8; }
  #hero { padding: 40px 1.25rem 48px; min-height: 0; }
  .hero-portrait { display: none; }
  .about-grid { gap: 30px; }
  .about-portrait { max-width: 100%; margin-bottom: 8px; }
  .portrait-frame { aspect-ratio: 4/3; box-shadow: 0 22px 60px rgba(0,0,0,0.5); }
  .portrait-frame img { object-position: center 20%; }
  .portrait-frame::after {
    content: ''; position: absolute; inset: 0;
    background: linear-gradient(0deg, rgba(7,15,26,0.6) 0%, transparent 45%);
  }
  .portrait-badge { bottom: -12px; right: 12px; }
  .about-name { font-size: 30px; }
  .hero-layout { gap: 36px; }
  .hero-eyebrow { font-size: 11px; letter-spacing: 2.5px; margin-bottom: 18px; }
  .hero-title { font-size: clamp(34px, 9vw, 44px); }
  .hero-subtitle { font-size: 17px; margin-bottom: 26px; }
  .hero-points li { font-size: 16px; }
  .hero-actions { gap: 12px; }
  .offer-pair { grid-template-columns: 1fr; gap: 10px; margin-bottom: 16px; }
  .offer-card { padding: 18px 18px; gap: 6px; }
  .offer-t { font-size: 19px; }
  .offer-d { font-size: 14.5px; }
  .offer-go { font-size: 12px; padding: 11px 18px; }
  .hero-mini-link { font-size: 14px; }
  .btn-gold, .btn-line { width: 100%; justify-content: center; padding: 17px 26px; font-size: 14px; }
  .trust-bar { margin-top: 40px; }
  .trust-cell { padding: 18px 16px; }
  .trust-num { font-size: 26px; }
  .trust-label { font-size: 11px; letter-spacing: 0.6px; }
  .section-title { font-size: clamp(26px, 7.5vw, 34px); }
  .section-lead { font-size: 16.5px; }
  .planner-shell { margin-top: 32px; }
  .planner-side { padding: 26px 20px; gap: 24px; }
  .planner-main { padding: 26px 20px; }
  .ctrl-name { font-size: 15px; }
  .ctrl-val { font-size: 16px; }
  input[type="range"] { height: 6px; }
  input[type="range"]::-webkit-slider-thumb { width: 28px; height: 28px; }
  input[type="range"]::-moz-range-thumb { width: 28px; height: 28px; }
  .planner-chart-title { font-size: 11px; }
  .legend { font-size: 12px; gap: 12px; }
  .verdict { font-size: 15px; padding: 16px 18px; }
  .stat-cell { padding: 14px 14px; }
  .stat-cell-label { font-size: 10px; }
  .stat-cell-val { font-size: 19px; }
  .services-grid { grid-template-columns: 1fr; gap: 16px; margin-top: 32px; }
  .service-card { padding: 26px 22px; }
  .worry-loop { grid-template-columns: 1fr; gap: 14px; margin-top: 30px; }
  .worry-rail {
    flex-direction: row; gap: 8px; overflow-x: auto; scrollbar-width: none;
    margin: 0 -1.25rem; padding: 2px 1.25rem;
  }
  .worry-rail::-webkit-scrollbar { display: none; }
  .worry-chip { flex-shrink: 0; white-space: nowrap; font-size: 14px; padding: 12px 15px; border-color: var(--gold-border); }
  .worry-stage { padding: 28px 22px; min-height: 0; }
  .worry-stage .svc-icon { width: 50px; height: 50px; margin-bottom: 18px; }
  .worry-stage .svc-title { font-size: 23px; }
  .worry-stage .svc-desc { font-size: 16px; }
  .worry-cta { padding-top: 22px; font-size: 13px; }
  .svc-partner { margin-top: 20px; gap: 10px; }
  .svc-partner img { height: 30px; }
  .svc-title { font-size: 20px; }
  .svc-desc { font-size: 15.5px; line-height: 1.75; }
  .panels-intro { margin-bottom: 36px; }
  .panels-intro p { font-size: 16px; }
  .panel-category { margin-bottom: 34px; }
  .panel-divider { font-size: 10.5px; letter-spacing: 2px; gap: 12px; margin-bottom: 22px; white-space: normal; text-align: center; }
  .marquee-wrap::before, .marquee-wrap::after { width: 40px; }
  .logo-chip { height: 54px; min-width: 104px; padding: 0 16px; }
  .logo-chip img { max-height: 34px; max-width: 118px; }
  .about-name { font-size: 28px; }
  .about-cred-row { gap: 12px; margin-bottom: 22px; }
  .cfp-mark img { height: 34px; }
  .hero-cfp img { height: 26px; }
  .about-title { font-size: 12px; letter-spacing: 1.2px; }
  .about-text { font-size: 16px; line-height: 1.8; }
  .cred-item { font-size: 15px; }
  .verify-btn { font-size: 13px; padding: 15px 24px; }
  .verify-note { font-size: 12.5px; }
  .faq-q { font-size: 17.5px; padding: 20px 2px; gap: 14px; }
  .faq-a-inner { font-size: 15.5px; padding-bottom: 22px; }
  .faq-item.open .faq-a { max-height: 460px; }
  .contact-inner { padding: 40px 24px; }
  .contact-desc { font-size: 16px; }
  .contact-details { gap: 22px; margin-bottom: 30px; }
  .contact-val { font-size: 15px; }
  .whatsapp-btn { width: 100%; justify-content: center; font-size: 14px; padding: 17px 24px; }
  .footer-right { font-size: 12px; line-height: 1.8; }
  .mobile-cta { display: flex; }
  body { padding-bottom: 86px; }
  header { height: 64px; }
  .logo-name { font-size: 16px; }
  .nav-cta { padding: 10px 18px; font-size: 11.5px; }
}
@media(max-width:400px) {
  .trust-bar { grid-template-columns: 1fr 1fr; }
  .logo-tag { display: none; }
}

/* ── ANIMATION ── */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity 0.6s ease, transform 0.6s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; } }