/* ============================================================
   Indexed Annuity Secrets — Modern Rebuild
   Design system: Navy + Gold premium, Apple/Airbnb whitespace
   ============================================================ */

:root {
  /* Brand palette */
  --navy-900: #0a1830;
  --navy-800: #0b2545;
  --navy-700: #123059;
  --navy-600: #1c3d6e;
  --gold-500: #c9a24b;
  --gold-400: #d4b765;
  --gold-300: #e6d3a0;
  --champagne: #f4ecd8;

  --ink: #11161f;
  --slate: #475467;
  --muted: #6b7587;
  --line: #e7e9ee;
  --paper: #ffffff;
  --canvas: #fbfaf7;
  --canvas-2: #f5f3ee;

  /* Type */
  --serif: "Fraunces", "Playfair Display", Georgia, serif;
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;

  --shadow-sm: 0 1px 2px rgba(16, 24, 40, .06), 0 1px 3px rgba(16, 24, 40, .08);
  --shadow-md: 0 8px 24px rgba(10, 24, 48, .10);
  --shadow-lg: 0 24px 60px rgba(10, 24, 48, .18);
  --radius: 16px;
  --radius-sm: 10px;
  --radius-lg: 28px;
  --maxw: 1180px;
  --ease: cubic-bezier(.22, 1, .36, 1);
}

* { box-sizing: border-box; }
html, body { overflow-x: hidden; max-width: 100%; }
img, video, svg { max-width: 100%; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: var(--sans);
  color: var(--ink);
  background: var(--canvas);
  line-height: 1.65;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

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

a { color: var(--navy-700); text-decoration: none; transition: color .2s var(--ease); }
a:hover { color: var(--gold-500); }

h1, h2, h3, h4 { font-family: var(--serif); color: var(--navy-800); line-height: 1.12; font-weight: 600; letter-spacing: -.01em; margin: 0 0 .5em; }
h1 { font-size: clamp(2.4rem, 5vw, 4rem); }
h2 { font-size: clamp(1.9rem, 3.4vw, 2.9rem); }
h3 { font-size: clamp(1.3rem, 2vw, 1.7rem); }

p { margin: 0 0 1.1em; color: var(--slate); }

.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 24px; overflow-x: hidden; }
.section { padding: clamp(64px, 9vw, 130px) 0; overflow-x: hidden; }
.section--tight { padding: clamp(48px, 6vw, 84px) 0; overflow-x: hidden; }
.center { text-align: center; }
.lead { font-size: 1.18rem; color: var(--slate); }
.eyebrow {
  display: inline-block; font-family: var(--sans); font-weight: 600; font-size: .78rem;
  letter-spacing: .16em; text-transform: uppercase; color: var(--gold-500); margin-bottom: 18px;
}
.eyebrow--light { color: var(--gold-400); }
.muted { color: var(--muted); }
.maxw-prose { max-width: 760px; }
.mx-auto { margin-left: auto; margin-right: auto; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-family: var(--sans); font-weight: 600; font-size: 1rem; line-height: 1;
  padding: 16px 30px; border-radius: 999px; border: 1.5px solid transparent;
  cursor: pointer; transition: transform .25s var(--ease), box-shadow .25s var(--ease), background .25s var(--ease), color .2s; white-space: nowrap;
  max-width: 100%; box-sizing: border-box;
}
@media (max-width: 480px) {
  .btn { white-space: normal; text-align: center; word-break: break-word; padding: 14px 20px; font-size: .9rem; }
  .btn--lg { padding: 16px 24px; font-size: .95rem; }
  .ctaband { padding: clamp(32px, 6vw, 72px) clamp(16px, 4vw, 72px); }
}
.btn:hover { transform: translateY(-2px); }
.btn--gold { background: linear-gradient(180deg, var(--gold-400), var(--gold-500)); color: var(--navy-900); box-shadow: 0 10px 26px rgba(201,162,75,.32); }
.btn--gold:hover { color: var(--navy-900); box-shadow: 0 16px 34px rgba(201,162,75,.42); }
.btn--navy { background: var(--navy-800); color: #fff; }
.btn--navy:hover { background: var(--navy-700); color: #fff; }
.btn--ghost { background: transparent; border-color: rgba(255,255,255,.35); color: #fff; }
.btn--ghost:hover { border-color: var(--gold-400); color: var(--gold-300); }
.btn--outline { background: transparent; border-color: var(--line); color: var(--navy-800); }
.btn--outline:hover { border-color: var(--gold-500); color: var(--navy-800); }
.btn--lg { padding: 19px 38px; font-size: 1.06rem; }

/* ---------- Header / Nav ---------- */
.nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(251, 250, 247, .82);
  backdrop-filter: saturate(180%) blur(16px);
  -webkit-backdrop-filter: saturate(180%) blur(16px);
  border-bottom: 1px solid rgba(17,22,31,.06);
}
.nav__inner { display: flex; align-items: center; justify-content: space-between; height: 76px; }
.nav__logo { display: flex; align-items: center; gap: 12px; font-family: var(--serif); font-weight: 600; font-size: 1.16rem; color: var(--navy-800); }
.nav__logo .mark { width: 44px; height: 44px; border-radius: 50%; flex: none; box-shadow: 0 2px 8px rgba(10,24,48,.18); }
.nav__logo span small { display: block; font-family: var(--sans); font-weight: 500; font-size: .64rem; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); }
.nav__links { display: flex; align-items: center; gap: 30px; list-style: none; margin: 0; padding: 0; }
.nav__links a { font-size: .95rem; font-weight: 500; color: var(--ink); position: relative; }
.nav__links a::after { content: ""; position: absolute; left: 0; bottom: -6px; width: 0; height: 2px; background: var(--gold-500); transition: width .3s var(--ease); }
.nav__links a:hover::after, .nav__links a.is-active::after { width: 100%; }
.nav__links a.is-active { color: var(--navy-800); }
.nav__cta { display: flex; align-items: center; gap: 14px; }
.nav__toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.nav__toggle span { display: block; width: 24px; height: 2px; background: var(--navy-800); margin: 5px 0; border-radius: 2px; transition: .3s var(--ease); }
.nav.open .nav__toggle span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav.open .nav__toggle span:nth-child(2) { opacity: 0; }
.nav.open .nav__toggle span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

@media (max-width: 940px) {
  .nav__toggle { display: block; }
  .nav__menu {
    position: fixed; inset: 76px 0 auto 0; background: var(--canvas);
    border-bottom: 1px solid var(--line); padding: 18px 24px 28px;
    flex-direction: column; align-items: flex-start; gap: 4px;
    transform: translateY(-12px); opacity: 0; pointer-events: none; transition: .3s var(--ease);
    display: flex;
  }
  .nav.open .nav__menu { transform: translateY(0); opacity: 1; pointer-events: auto; }
  .nav__links { flex-direction: column; align-items: flex-start; gap: 4px; width: 100%; }
  .nav__links a { display: block; padding: 12px 0; width: 100%; font-size: 1.05rem; border-bottom: 1px solid var(--line); }
  .nav__links a::after { display: none; }
  .nav__menu .nav__cta { margin-top: 16px; width: 100%; }
  .nav__menu .nav__cta .btn { width: 100%; }
  .nav__cta--desktop { display: none; }
}
@media (min-width: 941px) { .nav__menu .nav__cta { display: none; } }

/* ---------- Hero ---------- */
.hero {
  position: relative; overflow: hidden;
  background: radial-gradient(1200px 600px at 80% -10%, var(--navy-700) 0%, var(--navy-900) 55%, var(--navy-900) 100%);
  color: #fff;
}
.hero::before {
  content: ""; position: absolute; inset: 0;
  background-image: url("crosshatch.svg");
  background-size: 80px 80px; opacity: .16; pointer-events: none;
  mask-image: radial-gradient(120% 100% at 70% 0%, #000 0%, #000 50%, transparent 100%);
  -webkit-mask-image: radial-gradient(120% 100% at 70% 0%, #000 0%, #000 50%, transparent 100%);
}
.hero__inner { position: relative; display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; padding: clamp(60px, 8vw, 110px) 0 clamp(70px, 9vw, 120px); }
.hero h1 { color: #fff; }
.hero h1 em { font-style: italic; color: var(--gold-400); }
.hero p { color: rgba(255,255,255,.82); font-size: 1.18rem; max-width: 540px; }
.hero__cta { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 32px; }
.hero__trust { display: flex; align-items: center; gap: 18px; margin-top: 40px; color: rgba(255,255,255,.7); font-size: .9rem; flex-wrap: wrap; }
.hero__trust .stars { color: var(--gold-400); letter-spacing: 2px; }
.hero__book { position: relative; display: grid; place-items: center; }
.hero__book img { width: min(360px, 80%); border-radius: 8px; box-shadow: 0 40px 80px rgba(0,0,0,.45); transform: rotate(2deg); transition: transform .5s var(--ease); }
.hero__book:hover img { transform: rotate(0deg) translateY(-6px); }
.hero__book .glow { position: absolute; width: 340px; height: 340px; background: radial-gradient(circle, rgba(201,162,75,.35), transparent 65%); filter: blur(10px); z-index: -0; }

@media (max-width: 880px) {
  .hero__inner { grid-template-columns: 1fr; gap: 36px; text-align: center; }
  .hero p { margin-left: auto; margin-right: auto; }
  .hero__cta, .hero__trust { justify-content: center; }
  .hero__book { order: -1; display: flex; justify-content: center; margin: 0 auto; width: 100%; }
  .hero__book img { width: min(280px, 72%); margin: 0 auto; }
}

@media (max-width: 480px) {
  .hero__book img { width: min(240px, 68%); margin: 0 auto; }
  .hero__inner { padding-left: 20px; padding-right: 20px; }
  .hero h1 { font-size: clamp(2rem, 9vw, 3rem); padding: 0 4px; }
}

/* ---------- Generic page header ---------- */
.pagehead { background: radial-gradient(900px 500px at 50% -20%, var(--navy-700), var(--navy-900) 60%); color: #fff; text-align: center; padding: clamp(70px, 9vw, 120px) 0 clamp(56px, 7vw, 90px); position: relative; overflow: hidden; }
.pagehead::before { content: ""; position: absolute; inset: 0; background-image: url("crosshatch.svg"); background-size: 80px 80px; opacity: .14; mask-image: radial-gradient(80% 100% at 50% 0%, #000, transparent 75%); -webkit-mask-image: radial-gradient(80% 100% at 50% 0%, #000, transparent 75%); }
.pagehead::after { content: ""; position: absolute; left: 50%; bottom: 0; transform: translateX(-50%); width: 80px; height: 4px; background: var(--gold-500); border-radius: 4px; }
.pagehead .container { position: relative; }
.pagehead .emblem { width: 84px; height: 84px; margin: 0 auto 22px; border-radius: 50%; box-shadow: 0 10px 30px rgba(0,0,0,.4); }
.pagehead h1 { color: #fff; }
.pagehead p { color: rgba(255,255,255,.8); max-width: 640px; margin: 0 auto; font-size: 1.15rem; }

/* ---------- Cards / grids ---------- */
.grid { display: grid; gap: 26px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 900px) { .grid-3 { grid-template-columns: 1fr 1fr; } }
@media (max-width: 620px) { .grid-2, .grid-3 { grid-template-columns: 1fr; } }

.card {
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 32px; box-shadow: var(--shadow-sm); transition: transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: rgba(201,162,75,.4); }
.card .ic { width: 48px; height: 48px; border-radius: 12px; display: grid; place-items: center; background: var(--champagne); color: var(--navy-800); margin-bottom: 18px; }
.card h3 { margin-bottom: 10px; }
.card p { margin-bottom: 0; }

/* feature list with check */
.checks { list-style: none; padding: 0; margin: 24px 0 0; display: grid; gap: 14px; }
.checks li { position: relative; padding-left: 38px; color: var(--ink); font-weight: 500; }
.checks li::before {
  content: "✓"; position: absolute; left: 0; top: -1px; width: 26px; height: 26px; border-radius: 50%;
  background: var(--navy-800); color: var(--gold-400); display: grid; place-items: center; font-size: .8rem; font-weight: 700;
}
.checks--light li { color: rgba(255,255,255,.92); }

/* split section */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; overflow: hidden; }
@media (max-width: 880px) { .split { grid-template-columns: 1fr; gap: 36px; } }
@media (max-width: 560px) { .split { padding: 0; gap: 24px; } .split > * { min-width: 0; max-width: 100%; } }
.split img { border-radius: var(--radius-lg); box-shadow: var(--shadow-md); max-width: 100%; }

/* ---------- Get in touch / social ---------- */
.social-row { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; }
@media (max-width: 720px){ .social-row { grid-template-columns: 1fr; } }
.social-card { display: flex; align-items: center; gap: 18px; padding: 22px 24px; background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); transition: transform .3s var(--ease), box-shadow .3s; box-shadow: var(--shadow-sm); overflow: hidden; box-sizing: border-box; width: 100%; min-width: 0; }
.social-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.social-card .si { width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center; flex: none; color: #fff; }
.social-card > span:last-child { min-width: 0; overflow: hidden; }
.social-card b { color: var(--navy-800); display: block; font-family: var(--serif); }
.social-card small, .social-card a { color: var(--muted); word-break: break-all; overflow-wrap: break-word; font-size: .82rem; }
.si--yt { background: #ff0000; } .si--li { background: #0a66c2; } .si--ig { background: linear-gradient(45deg,#f09433,#e6683c,#dc2743,#cc2366,#bc1888); }

/* ---------- Carriers marquee ---------- */
.carriers { background: var(--canvas-2); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.marquee { overflow: hidden; position: relative; -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); }
.marquee__track { display: flex; gap: 60px; align-items: center; width: max-content; animation: scroll 38s linear infinite; }
.marquee:hover .marquee__track { animation-play-state: paused; }
.marquee img { height: 42px; width: auto; object-fit: contain; filter: grayscale(1); opacity: .7; transition: .3s; }
.marquee img:hover { filter: grayscale(0); opacity: 1; }
@keyframes scroll { to { transform: translateX(-50%); } }

/* ---------- Testimonials ---------- */
.quote-card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 34px; box-shadow: var(--shadow-sm); position: relative; height: 100%; }
.quote-card::before { content: "\201C"; font-family: var(--serif); font-size: 4.5rem; line-height: 1; color: var(--gold-300); position: absolute; top: 12px; right: 24px; }
.quote-card p { color: var(--slate); font-size: 1rem; }
.quote-card .who { display: flex; align-items: center; gap: 12px; margin-top: 18px; }
.quote-card .who .av { width: 44px; height: 44px; border-radius: 50%; background: linear-gradient(145deg,var(--navy-700),var(--navy-900)); color: var(--gold-400); display: grid; place-items: center; font-weight: 700; font-family: var(--serif); flex: none; }
.quote-card .who b { color: var(--navy-800); }
.quote-card .stars { color: var(--gold-500); letter-spacing: 2px; font-size: .95rem; margin-bottom: 14px; }

/* case study */
.case { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: clamp(14px,3.5vw,46px); box-shadow: var(--shadow-sm); overflow: hidden; box-sizing: border-box; }
.stat-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 18px; margin: 28px 0 6px; width: 100%; box-sizing: border-box; }
@media (max-width: 760px){ .stat-grid { grid-template-columns: 1fr 1fr; gap: 10px; } }
@media (max-width: 420px){ .stat-grid { grid-template-columns: 1fr 1fr; gap: 6px; } .stat { padding: 10px 4px; } .stat .n { font-size: .88rem; } .stat .l { font-size: .65rem; letter-spacing: 0; } }
.stat { background: var(--canvas); border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 20px; text-align: center; box-sizing: border-box; }
.stat .n { font-family: var(--serif); font-size: 1.5rem; color: var(--navy-800); font-weight: 600; }
.stat .l { font-size: .78rem; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); margin-top: 4px; }

/* ---------- Resources ---------- */
.res-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 26px; }
@media (max-width: 900px){ .res-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px){ .res-grid { grid-template-columns: 1fr; } }
.res { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-sm); transition: transform .3s var(--ease), box-shadow .3s; display: flex; flex-direction: column; }
.res:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.res img { aspect-ratio: 3/2; object-fit: cover; width: 100%; }
.res__body { padding: 20px 22px; display: flex; flex-direction: column; gap: 8px; flex: 1; }
.res__body .tag { font-size: .72rem; letter-spacing: .08em; text-transform: uppercase; color: var(--gold-500); font-weight: 700; }
.res__body b { color: var(--navy-800); font-family: var(--serif); font-weight: 600; font-size: 1.02rem; }
.res__body .go { margin-top: auto; font-weight: 600; font-size: .9rem; color: var(--navy-700); }

/* ---------- FAQ ---------- */
.faq { max-width: 820px; margin: 0 auto; }
.faq details { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 4px 24px; margin-bottom: 14px; box-shadow: var(--shadow-sm); }
.faq summary { cursor: pointer; list-style: none; font-family: var(--serif); font-weight: 600; color: var(--navy-800); font-size: 1.1rem; padding: 18px 0; display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--gold-500); font-size: 1.5rem; font-family: var(--sans); transition: transform .3s var(--ease); }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { padding-bottom: 18px; margin: 0; }

/* ---------- Forms ---------- */
.form-card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: clamp(20px, 4vw, 44px); box-shadow: var(--shadow-md); overflow: hidden; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
@media (max-width: 560px){ .form-row { grid-template-columns: 1fr; } }
.field { margin-bottom: 18px; }
.field label { display: block; font-size: .85rem; font-weight: 600; color: var(--navy-800); margin-bottom: 7px; }
.field input, .field textarea {
  width: 100%; max-width: 100%; box-sizing: border-box;
  width: 100%; padding: 14px 16px; border: 1.5px solid var(--line); border-radius: var(--radius-sm);
  font-family: var(--sans); font-size: 1rem; color: var(--ink); background: var(--canvas); transition: border-color .2s, box-shadow .2s, background .2s;
}
.field input:focus, .field textarea:focus { outline: none; border-color: var(--gold-500); background: #fff; box-shadow: 0 0 0 4px rgba(201,162,75,.14); }
.field input.invalid, .field textarea.invalid { border-color: #d9534f; box-shadow: 0 0 0 4px rgba(217,83,79,.12); }
.field .err { color: #d9534f; font-size: .8rem; margin-top: 6px; display: none; }
.field .err.show { display: block; }
.consent { display: flex; gap: 12px; align-items: flex-start; font-size: .82rem; color: var(--muted); margin: 8px 0 22px; overflow: hidden; }
.consent input { margin-top: 4px; width: 18px; height: 18px; flex: none; accent-color: var(--gold-500); }
.consent span { word-break: break-word; }
.form-success { display: none; text-align: center; padding: 20px 0; }
.form-success.show { display: block; }
.form-success .badge { width: 64px; height: 64px; border-radius: 50%; background: var(--champagne); color: var(--navy-800); display: grid; place-items: center; margin: 0 auto 16px; font-size: 1.8rem; }

/* ---------- Popup video ---------- */
.vpop {
  position: fixed;
  inset: 0;
  z-index: 200;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(0,0,0,.55);
  opacity: 0;
  pointer-events: none;
  transition: opacity .45s var(--ease);
}
.vpop.show { opacity: 1; pointer-events: all; }
.vpop__inner {
  position: relative;
  width: min(420px, 92vw);
  border-radius: 14px;
  overflow: hidden;
  box-shadow: 0 24px 64px rgba(0,0,0,.45);
  background: #becdda;
  display: flex;
  flex-direction: column;
  gap: 0;
  transform: translateY(24px) scale(.96);
  transition: transform .5s var(--ease);
  padding: 12px;
}
.vpop.show .vpop__inner { transform: translateY(0) scale(1); }
.vpop video {
  width: 100%;
  display: block;
  background: #000;
  height: 560px;
  object-fit: cover;
  flex-shrink: 0;
  border-radius: 8px;
}
.vpop__close {
  position: absolute;
  top: 10px; right: 10px;
  z-index: 3;
  width: 32px; height: 32px;
  border-radius: 50%; border: none;
  background: rgba(255,255,255,.85);
  color: #333;
  cursor: pointer;
  font-size: 1.1rem;
  display: grid; place-items: center;
  box-shadow: 0 2px 8px rgba(0,0,0,.2);
  font-weight: 700;
}
.vpop__close:hover { background: #fff; }
.vpop__mute {
  position: absolute;
  bottom: 64px; left: 50%;
  transform: translateX(-50%);
  z-index: 3;
  border: none;
  background: rgba(0,0,0,.6);
  color: #fff;
  padding: 8px 16px;
  border-radius: 999px;
  font-size: .82rem;
  font-weight: 600;
  cursor: pointer;
  display: flex; gap: 6px; align-items: center;
  white-space: nowrap;
}
.vpop__mute:hover { background: rgba(0,0,0,.85); }
.vpop__footer {
  background: #becdda;
  padding: 12px 0 0 0;
  display: flex;
  justify-content: center;
  flex-shrink: 0;
}
.vpop__cta {
  display: inline-block;
  background: var(--gold-400);
  color: var(--navy-900);
  font-weight: 700;
  padding: 10px 24px;
  border-radius: 999px;
  font-size: .92rem;
  text-decoration: none;
  white-space: nowrap;
}
.vpop__cta:hover { color: var(--navy-900); filter: brightness(1.06); }
@media (max-width: 480px) {
  .vpop__inner { width: 92vw; }
  .vpop video { height: 65vh; }
}
@media (max-height: 700px) {
  .vpop video { height: 50vh; }
}

/* ---------- CTA band ---------- */
.ctaband { background: radial-gradient(900px 400px at 20% 0%, var(--navy-700), var(--navy-900)); color: #fff; border-radius: var(--radius-lg); padding: clamp(40px, 6vw, 72px); text-align: center; position: relative; overflow: hidden; }
.ctaband h2 { color: #fff; }
.ctaband p { color: rgba(255,255,255,.82); max-width: 560px; margin: 0 auto 26px; }
.ctaband::before { content:""; position:absolute; inset:0; background-image: url("crosshatch.svg"); background-size: 80px 80px; opacity:.12; }
.ctaband > * { position: relative; }

/* ---------- Footer ---------- */
.footer { background: var(--navy-900); color: rgba(255,255,255,.72); padding: 64px 0 28px; }
.footer__top { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 40px; padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,.1); }
@media (max-width: 820px){ .footer__top { grid-template-columns: 1fr; gap: 30px; } }
.footer h4 { color: #fff; font-family: var(--sans); font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 16px; }
.footer__logo { display:flex; align-items:center; gap:12px; font-family: var(--serif); font-size: 1.2rem; color:#fff; margin-bottom: 14px; }
.footer__logo .mark { width: 46px; height: 46px; border-radius: 50%; }
.footer a { color: rgba(255,255,255,.72); }
.footer a:hover { color: var(--gold-400); }
.footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.footer__bottom { display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; padding-top: 24px; font-size: .82rem; color: rgba(255,255,255,.5); }
.footer__bottom a { color: rgba(255,255,255,.6); }
.footer__social { display: flex; gap: 12px; }
.footer__social a { width: 38px; height: 38px; border-radius: 10px; border: 1px solid rgba(255,255,255,.16); display: grid; place-items: center; color: #fff; }
.footer__social a:hover { border-color: var(--gold-400); background: rgba(201,162,75,.12); }
.lic { display:inline-block; margin-top: 6px; font-size: .8rem; color: rgba(255,255,255,.5); }

/* reveal on scroll */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.in { opacity: 1; transform: none; }

/* utility */
.pill { display:inline-flex; align-items:center; gap:8px; padding: 7px 14px; border-radius: 999px; background: var(--champagne); color: var(--navy-800); font-size: .8rem; font-weight: 600; }
.divider { height:1px; background: var(--line); border:0; margin: 0; }
svg.i { width: 22px; height: 22px; stroke: currentColor; fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }