/* ── Reset & Base ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:   #0d1b2a;
  --blue:   #1a6fa8;
  --teal:   #00b4a0;
  --gold:   #f4a832;
  --light:  #f5f7fa;
  --white:  #ffffff;
  --gray:   #6b7280;
  --dark:   #1f2937;
  --radius: 12px;
  --shadow: 0 4px 24px rgba(0,0,0,.10);
  --trans:  .25s ease;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  background: var(--white);
  color: var(--dark);
  line-height: 1.65;
  font-size: 16px;
}

/* ── Utility ── */
.container { max-width: 1100px; margin: 0 auto; padding: 0 24px; }
.section    { padding: 80px 0; }
.section-alt { background: var(--light); }
.tag {
  display: table;
  margin: 0 auto 12px;
  background: rgba(26,111,168,.12);
  color: var(--blue);
  font-size: .75rem;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 999px;
}
.section-title {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
  text-align: center;
}
.section-sub {
  color: var(--gray);
  max-width: 560px;
  margin-bottom: 48px;
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

/* ── Navbar ── */
nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(13,27,42,.97);
  backdrop-filter: blur(8px);
  padding: 0 24px;
}
.nav-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}
.nav-brand {
  color: var(--white);
  font-size: 1.15rem;
  font-weight: 700;
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 8px;
}
.nav-brand span { color: var(--teal); }
.nav-links { display: flex; gap: 28px; list-style: none; }
.nav-links a {
  color: rgba(255,255,255,.78);
  text-decoration: none;
  font-size: .9rem;
  font-weight: 500;
  transition: color var(--trans);
}
.nav-links a:hover { color: var(--teal); }
.nav-cta {
  background: var(--teal);
  color: var(--white) !important;
  padding: 8px 18px;
  border-radius: 8px;
  transition: background var(--trans) !important;
}
.nav-cta:hover { background: #009e8c !important; color: var(--white) !important; }
.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 4px; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--white); border-radius: 2px; transition: var(--trans); }

/* ── Hero free badge ── */
.hero-free-badge {
  display: inline-block;
  background: linear-gradient(135deg, var(--gold), #e8940a);
  color: var(--navy);
  font-size: .82rem;
  font-weight: 700;
  padding: 7px 18px;
  border-radius: 999px;
  margin-top: 32px;
  margin-bottom: 20px;
  box-shadow: 0 4px 16px rgba(244,168,50,.4);
  letter-spacing: .02em;
}

/* ── Hero ── */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, #0f3460 60%, #1a6fa8 100%);
  padding: 100px 24px 90px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-content { position: relative; max-width: 780px; margin: 0 auto; }
.hero-badge {
  display: inline-block;
  background: rgba(0,180,160,.2);
  border: 1px solid rgba(0,180,160,.4);
  color: var(--teal);
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .1em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 999px;
  margin-bottom: 20px;
}
.hero h1 {
  font-size: clamp(2rem, 5vw, 3.4rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 20px;
}
.hero h1 em { font-style: normal; color: var(--teal); }
.hero p {
  font-size: 1.15rem;
  color: rgba(255,255,255,.75);
  max-width: 580px;
  margin: 0 auto 36px;
}
.hero-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.btn {
  display: inline-block;
  padding: 13px 28px;
  border-radius: 10px;
  font-weight: 600;
  font-size: .95rem;
  text-decoration: none;
  transition: transform var(--trans), box-shadow var(--trans), background var(--trans);
  cursor: pointer;
  border: none;
}
.btn:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,.2); }
.btn-primary   { background: var(--teal); color: var(--white); }
.btn-primary:hover { background: #009e8c; }
.btn-outline   { background: transparent; color: var(--white); border: 2px solid rgba(255,255,255,.5); }
.btn-outline:hover { border-color: var(--white); background: rgba(255,255,255,.08); }
.btn-outline-dark { background: transparent; color: var(--navy); border: 2px solid var(--navy); }
.btn-outline-dark:hover { background: var(--navy); color: var(--white); }
.hero-stats {
  display: flex;
  justify-content: center;
  gap: 48px;
  margin-top: 56px;
  flex-wrap: wrap;
}
.stat { text-align: center; }
.stat-num { font-size: 2rem; font-weight: 800; color: var(--white); }
.stat-num span { color: var(--teal); }
.stat-label { font-size: .8rem; color: rgba(255,255,255,.55); text-transform: uppercase; letter-spacing: .08em; margin-top: 2px; }

/* ── About ── */
.certs { margin-top: 24px; display: flex; flex-wrap: wrap; gap: 8px; }
.cert-badge {
  background: rgba(0,180,160,.15);
  border: 1px solid rgba(0,180,160,.35);
  color: var(--teal);
  font-size: .75rem;
  font-weight: 600;
  padding: 4px 12px;
  border-radius: 999px;
}
.cert-badge--pilot {
  background: rgba(244,168,50,.12);
  border-color: rgba(244,168,50,.4);
  color: #b87c00;
}

/* About intro row */
.about-intro {
  display: grid;
  grid-template-columns: 1fr 260px;
  gap: 48px;
  align-items: start;
  margin-bottom: 48px;
}
.about-intro-text p {
  color: var(--gray);
  font-size: .95rem;
  line-height: 1.75;
  margin-bottom: 14px;
}
.about-intro-text strong { color: var(--navy); }
.about-why-card {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  background: linear-gradient(135deg, rgba(13,27,42,.04), rgba(26,111,168,.07));
  border-left: 4px solid var(--teal);
  border-radius: 10px;
  padding: 16px 18px;
  margin-top: 8px;
}
.about-why-icon { font-size: 1.3rem; flex-shrink: 0; margin-top: 2px; }
.about-why-card strong { display: block; color: var(--navy); font-size: .9rem; margin-bottom: 6px; }
.about-why-card p { color: var(--gray); font-size: .88rem; line-height: 1.75; margin: 0; }
.about-bio-link { margin-top: 36px; display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.about-avatar-card {
  background: linear-gradient(145deg, var(--navy), #0f3460);
  border-radius: 16px;
  padding: 28px 20px;
  text-align: center;
  box-shadow: 0 12px 36px rgba(13,27,42,.28);
  position: sticky;
  top: 88px;
  align-self: start;
}
.avatar-photo-wrap {
  width: 150px; height: 150px;
  border-radius: 50%;
  margin: 0 auto 16px;
  border: 3px solid var(--teal);
  overflow: hidden;
  box-shadow: 0 6px 20px rgba(0,0,0,.4);
}
.avatar-photo {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: 40% 12%;
  display: block;
}
.avatar-name  { color: var(--white); font-size: 1.05rem; font-weight: 700; }
.avatar-title { color: rgba(255,255,255,.6); font-size: .78rem; margin: 4px 0 8px; }
.avatar-location { color: rgba(255,255,255,.5); font-size: .75rem; }

/* ── How I Work ── */
.how-i-work { margin: 56px 0 48px; }
.hiw-header { margin-bottom: 32px; text-align: center; }
.hiw-header h3 { font-size: clamp(1.3rem, 2.5vw, 1.7rem); font-weight: 700; color: var(--navy); margin-top: 8px; }
.hiw-steps { display: flex; flex-direction: column; gap: 0; max-width: 780px; margin: 0 auto; }
.hiw-step {
  display: flex;
  gap: 24px;
  align-items: flex-start;
}
.hiw-step-left {
  display: flex;
  flex-direction: column;
  align-items: center;
  flex-shrink: 0;
  width: 44px;
}
.hiw-num {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--teal), var(--blue));
  color: var(--white);
  font-size: 1rem;
  font-weight: 800;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(0,180,160,.3);
  position: relative;
  z-index: 1;
}
.hiw-connector {
  width: 2px;
  flex: 1;
  min-height: 32px;
  background: linear-gradient(to bottom, var(--teal), rgba(26,111,168,.2));
  margin: 4px 0;
}
.hiw-step-card {
  background: var(--white);
  border: 1px solid #e5e7eb;
  border-radius: var(--radius);
  padding: 20px 24px;
  margin-bottom: 8px;
  flex: 1;
  transition: box-shadow var(--trans), transform var(--trans);
}
.hiw-step-card:hover { box-shadow: var(--shadow); transform: translateX(4px); }
.hiw-step-card h4 { font-size: .97rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.hiw-step-card p  { font-size: .87rem; color: var(--gray); line-height: 1.75; margin: 0; }
@media (max-width: 560px) {
  .hiw-step { gap: 16px; }
  .hiw-num { width: 36px; height: 36px; font-size: .88rem; }
  .hiw-step-left { width: 36px; }
}

/* About detail grid */
.about-detail-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.about-detail-card {
  background: var(--white);
  border: 1px solid #e5e7eb;
  border-radius: 14px;
  padding: 22px;
  box-shadow: var(--shadow);
  transition: transform var(--trans), box-shadow var(--trans);
}
.about-detail-card:hover { transform: translateY(-3px); box-shadow: 0 10px 28px rgba(0,0,0,.1); }
.about-detail-card--pilot {
  border-color: rgba(244,168,50,.35);
  background: linear-gradient(145deg, #fffdf5, var(--white));
}
.adc-icon { font-size: 1.6rem; margin-bottom: 10px; }
.about-detail-card h4 { font-size: .95rem; font-weight: 700; color: var(--navy); margin-bottom: 12px; }
.about-detail-card ul { list-style: none; display: flex; flex-direction: column; gap: 8px; padding: 0; }
.about-detail-card ul li {
  font-size: .82rem;
  color: var(--gray);
  line-height: 1.6;
  padding-left: 14px;
  position: relative;
}
.about-detail-card ul li::before {
  content: '·';
  position: absolute; left: 0;
  color: var(--teal);
  font-weight: 700;
}
.about-detail-card ul li strong { color: var(--navy); }
.about-detail-card ul li a {
  color: var(--blue);
  text-decoration: none;
  font-weight: 500;
  transition: color var(--trans);
}
.about-detail-card ul li a:hover { color: var(--teal); text-decoration: underline; }
.pilot-badges { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 14px; }

@media (max-width: 900px) { .about-detail-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 768px) {
  .about-intro { grid-template-columns: 1fr; }
  .about-avatar-card { max-width: 320px; }
  .about-detail-grid { grid-template-columns: 1fr; }
}

/* ── Services ── */
.services-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.service-card {
  background: var(--white);
  border: 1px solid #e5e7eb;
  border-radius: 16px;
  padding: 32px;
  box-shadow: var(--shadow);
  transition: transform var(--trans), box-shadow var(--trans);
}
.service-card:hover { transform: translateY(-4px); box-shadow: 0 12px 32px rgba(0,0,0,.12); }
.service-icon {
  width: 52px;
  height: 52px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 18px;
}
.icon-blue { background: rgba(26,111,168,.12); }
.icon-teal { background: rgba(0,180,160,.12); }
.icon-gold { background: rgba(244,168,50,.12); }
.icon-purple { background: rgba(139,92,246,.12); }
.service-card h3 { font-size: 1.1rem; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.service-card p  { font-size: .88rem; color: var(--gray); margin-bottom: 16px; line-height: 1.6; }
.service-tags { display: flex; flex-wrap: wrap; gap: 6px; }
.stag {
  font-size: .75rem;
  font-weight: 500;
  padding: 3px 10px;
  border-radius: 999px;
  background: var(--light);
  color: var(--dark);
  border: 1px solid #e5e7eb;
}


/* ── Philosophy Card ── */
.philosophy-card {
  display: flex;
  align-items: flex-start;
  gap: 20px;
  background: linear-gradient(135deg, var(--navy) 0%, #0f3460 100%);
  border-radius: 16px;
  padding: 32px 36px;
  margin-bottom: 48px;
  box-shadow: 0 8px 32px rgba(13,27,42,.25);
  border-left: 4px solid var(--teal);
}
.philosophy-icon { font-size: 2rem; flex-shrink: 0; margin-top: 2px; }
.philosophy-text h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--teal);
  margin-bottom: 10px;
}
.philosophy-text p {
  font-size: .95rem;
  color: rgba(255,255,255,.82);
  line-height: 1.75;
  max-width: 780px;
}

/* ── Finance ── */
.finance-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.finance-card {
  background: var(--white);
  border: 1px solid #e5e7eb;
  border-radius: 14px;
  padding: 24px;
  box-shadow: var(--shadow);
  transition: transform var(--trans), border-color var(--trans);
}
.finance-card:hover { transform: translateY(-3px); border-color: var(--teal); }
.finance-card .fi { font-size: 1.8rem; margin-bottom: 12px; }
.finance-card h4 { font-size: .95rem; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.finance-card p  { font-size: .83rem; color: var(--gray); line-height: 1.55; }

/* ── Free consult banner ── */
.free-consult-banner {
  display: flex;
  align-items: center;
  gap: 20px;
  background: linear-gradient(135deg, #fffbf0, #fff8e1);
  border: 2px solid var(--gold);
  border-radius: 16px;
  padding: 24px 28px;
  margin-bottom: 40px;
  box-shadow: 0 4px 20px rgba(244,168,50,.15);
  flex-wrap: wrap;
}
.free-consult-icon { font-size: 2rem; flex-shrink: 0; }
.free-consult-banner div { flex: 1; min-width: 200px; }
.free-consult-banner strong { display: block; font-size: 1.05rem; color: var(--navy); margin-bottom: 4px; }
.free-consult-banner p  { font-size: .87rem; color: var(--gray); line-height: 1.55; margin: 0; }
.price-free-note {
  text-align: center;
  font-size: .78rem;
  font-weight: 600;
  color: #b87c00;
  margin-top: 8px;
  background: rgba(244,168,50,.1);
  border-radius: 6px;
  padding: 5px 10px;
}
.price-card.featured .price-free-note {
  color: var(--gold);
  background: rgba(244,168,50,.15);
}

/* ── Contact free note ── */
.contact-free-note {
  display: inline-block;
  background: linear-gradient(135deg, #fffbf0, #fff8e1);
  border: 1.5px solid var(--gold);
  border-radius: 10px;
  padding: 12px 18px;
  font-size: .88rem;
  color: var(--dark);
  margin-bottom: 36px;
}
.contact-free-note strong { color: #8a5e00; }

/* ── Pricing ── */
.pricing-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; max-width: 780px; margin: 0 auto; }
.price-card {
  border-radius: 16px;
  padding: 36px;
  text-align: center;
  border: 2px solid #e5e7eb;
  background: var(--white);
  box-shadow: var(--shadow);
  transition: transform var(--trans);
}
.price-card:hover { transform: translateY(-4px); }
.price-card.featured {
  background: linear-gradient(145deg, var(--navy), #0f3460);
  border-color: var(--teal);
  color: var(--white);
}
.price-icon { font-size: 2rem; margin-bottom: 12px; }
.price-card h3 { font-size: 1.1rem; font-weight: 700; margin-bottom: 8px; }
.price-card.featured h3 { color: var(--white); }
.price-amount {
  font-size: 2.6rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
  margin: 16px 0 4px;
}
.price-card.featured .price-amount { color: var(--teal); }
.price-period { font-size: .82rem; color: var(--gray); margin-bottom: 20px; }
.price-card.featured .price-period { color: rgba(255,255,255,.6); }
.price-note { font-size: .82rem; color: var(--gray); font-style: italic; margin-top: 12px; }
.price-card.featured .price-note { color: rgba(255,255,255,.55); }
.price-features { list-style: none; text-align: left; margin: 20px 0; display: flex; flex-direction: column; gap: 10px; }
.price-features li { font-size: .875rem; color: var(--gray); display: flex; align-items: center; gap: 8px; }
.price-card.featured .price-features li { color: rgba(255,255,255,.8); }
.price-features li::before { content: '✓'; color: var(--teal); font-weight: 700; }

/* ── Reviews ── */
.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.review-card {
  background: var(--white);
  border: 1px solid #e5e7eb;
  border-radius: 14px;
  padding: 24px;
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
  gap: 14px;
  transition: transform var(--trans), box-shadow var(--trans);
}
.review-card:hover { transform: translateY(-3px); box-shadow: 0 10px 28px rgba(0,0,0,.11); }
.review-card-featured {
  background: linear-gradient(145deg, var(--navy), #0f3460);
  border-color: var(--teal);
}
.review-card-featured blockquote { color: rgba(255,255,255,.88); }
.review-card-featured .review-author strong { color: var(--white); }
.review-card-featured .review-author span   { color: rgba(255,255,255,.5); }
.review-stars { color: var(--gold); font-size: 1rem; letter-spacing: 1px; }
.review-card blockquote {
  font-size: .875rem;
  color: var(--dark);
  line-height: 1.65;
  font-style: italic;
  flex: 1;
  border: none;
  padding: 0;
  margin: 0;
}
.review-author {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: auto;
}
.review-avatar {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--teal), var(--blue));
  color: var(--white);
  font-weight: 700;
  font-size: .9rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.review-author strong { display: block; font-size: .88rem; color: var(--navy); }
.review-author span   { font-size: .78rem; color: var(--gray); }
@media (max-width: 900px) { .reviews-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .reviews-grid { grid-template-columns: 1fr; } }

/* ── Contact ── */
.contact-cards {
  display: grid;
  grid-template-columns: 1fr;
  max-width: 480px;
  margin-left: auto;
  margin-right: auto;
  gap: 24px;
  margin-top: 36px;
}
.contact-card {
  background: var(--white);
  border: 1px solid #e5e7eb;
  border-radius: 16px;
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 12px;
  box-shadow: var(--shadow);
  transition: transform var(--trans), box-shadow var(--trans);
}
.contact-card:hover { transform: translateY(-4px); box-shadow: 0 8px 32px rgba(0,0,0,.12); }
.contact-card--primary {
  border-color: var(--teal);
  background: linear-gradient(160deg, #f0fdfb, var(--white));
}
.contact-card-icon { font-size: 2.2rem; }
.contact-card h3 { font-size: 1.1rem; font-weight: 700; color: var(--navy); margin: 0; }
.contact-card p  { font-size: .88rem; color: var(--gray); line-height: 1.7; margin: 0; flex: 1; }
.contact-card-btn { margin-top: 8px; width: 100%; text-align: center; white-space: nowrap; }
.contact-card-note { font-size: .75rem; color: var(--gray); font-style: italic; }
.contact-meta {
  display: flex;
  justify-content: center;
  gap: 36px;
  margin-top: 36px;
  flex-wrap: wrap;
}
.contact-meta-item { font-size: .88rem; color: var(--gray); display: flex; align-items: center; gap: 8px; }
.contact-meta-item a { color: var(--blue); text-decoration: none; }
.contact-meta-item a:hover { text-decoration: underline; }
@media (max-width: 780px) { .contact-cards { grid-template-columns: 1fr; max-width: 420px; margin-left: auto; margin-right: auto; } }

/* ── Financial Disclaimer Popup ── */
.fin-disclaimer-overlay {
  position: fixed;
  inset: 0;
  background: rgba(13,27,42,.7);
  backdrop-filter: blur(4px);
  z-index: 999;
  display: flex;
  align-items: flex-start;
  justify-content: center;
  padding-top: 0;
  opacity: 0;
  pointer-events: none;
  transition: opacity .35s ease;
}
.fin-disclaimer-overlay.open {
  opacity: 1;
  pointer-events: all;
}
.fin-disclaimer-box {
  background: var(--white);
  width: 100%;
  max-width: 680px;
  border-radius: 0 0 20px 20px;
  box-shadow: 0 12px 48px rgba(0,0,0,.3);
  transform: translateY(-100%);
  transition: transform .4s cubic-bezier(.4,0,.2,1);
  max-height: 90vh;
  overflow-y: auto;
}
.fin-disclaimer-overlay.open .fin-disclaimer-box {
  transform: translateY(0);
}
.fin-disclaimer-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: var(--navy);
  padding: 16px 24px;
  border-radius: 0 0 0 0;
  position: sticky;
  top: 0;
  z-index: 1;
}
.fin-disclaimer-badge {
  color: var(--white);
  font-size: .9rem;
  font-weight: 700;
  letter-spacing: .02em;
}
.fin-disclaimer-close {
  background: none;
  border: none;
  color: rgba(255,255,255,.6);
  font-size: 1.1rem;
  cursor: pointer;
  padding: 4px 8px;
  border-radius: 4px;
  transition: color var(--trans), background var(--trans);
  line-height: 1;
}
.fin-disclaimer-close:hover { color: var(--white); background: rgba(255,255,255,.1); }
.fin-disclaimer-mission {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  background: linear-gradient(135deg, var(--navy), #0f3460);
  padding: 20px 24px;
  border-bottom: 3px solid var(--teal);
}
.fin-mission-icon { font-size: 1.6rem; flex-shrink: 0; }
.fin-disclaimer-mission p {
  font-size: .95rem;
  color: rgba(255,255,255,.88);
  line-height: 1.7;
  font-style: italic;
}
.fin-disclaimer-mission strong { color: var(--teal); font-style: normal; }
.fin-disclaimer-content {
  padding: 20px 24px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  border-bottom: 1px solid #e5e7eb;
}
.fin-disclaimer-content p {
  font-size: .82rem;
  color: #4b5563;
  line-height: 1.75;
}
.fin-disclaimer-content strong { color: var(--navy); }
.fin-credibility-note {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  background: rgba(0,180,160,.08);
  border: 1px solid rgba(0,180,160,.25);
  border-radius: 10px;
  padding: 14px 16px;
  margin-bottom: 4px;
}
.fin-cred-icon { font-size: 1.1rem; flex-shrink: 0; margin-top: 2px; }
.fin-credibility-note p { font-size: .82rem; color: #1f4e45; line-height: 1.7; margin: 0; }
.fin-credibility-note strong { color: #0d3b32; }
.fin-disclaimer-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 16px 24px;
  background: var(--light);
  border-radius: 0 0 20px 20px;
  flex-wrap: wrap;
}
.fin-ack-label {
  display: flex;
  align-items: center;
  gap: 10px;
  cursor: pointer;
  font-size: .83rem;
  color: var(--dark);
  flex: 1;
}
.fin-ack-label input[type="checkbox"] {
  width: 18px;
  height: 18px;
  accent-color: var(--teal);
  flex-shrink: 0;
  cursor: pointer;
}
.fin-dismiss-btn {
  padding: 10px 24px;
  font-size: .875rem;
  opacity: 1;
  transition: opacity var(--trans), background var(--trans), transform var(--trans);
}
.fin-dismiss-btn:disabled {
  opacity: .4;
  cursor: not-allowed;
  transform: none !important;
  box-shadow: none !important;
}

/* ── About Page ── */
.about-page-hero {
  background: linear-gradient(160deg, var(--navy) 0%, #0f3460 100%);
  padding: 72px 0 60px;
  text-align: center;
}
.about-page-hero-inner { display: flex; flex-direction: column; align-items: center; }
.about-page-hero h1 { font-size: clamp(1.8rem, 4vw, 2.6rem); font-weight: 800; color: var(--white); margin: 8px 0 10px; }
.about-page-hero p { color: rgba(255,255,255,.65); font-size: .95rem; }
.nav-active { color: var(--teal) !important; font-weight: 600; }

/* ── Footer ── */
footer {
  background: #0a1520;
  color: rgba(255,255,255,.55);
  padding: 56px 24px 0;
}
footer .footer-inner { max-width: 1100px; margin: 0 auto; }
.footer-top {
  display: grid;
  grid-template-columns: 1.8fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.footer-brand {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--white);
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 14px;
}
.footer-brand span { color: var(--teal); }
.footer-tagline { font-size: .83rem; line-height: 1.7; margin-bottom: 10px; color: rgba(255,255,255,.45); }
.footer-location { font-size: .78rem; color: rgba(255,255,255,.35); }
.footer-links-col h5 {
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: rgba(255,255,255,.4);
  margin-bottom: 16px;
}
.footer-links-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-links-col ul li a {
  font-size: .85rem;
  color: rgba(255,255,255,.6);
  text-decoration: none;
  transition: color var(--trans);
}
.footer-links-col ul li a:hover { color: var(--teal); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  padding: 20px 0;
  font-size: .75rem;
  color: rgba(255,255,255,.3);
}
.footer-disclaimer { max-width: 500px; text-align: right; }
.nav-logo-icon  { display: block; flex-shrink: 0; border-radius: 9px; }
.footer-logo-icon { display: block; flex-shrink: 0; border-radius: 8px; }
@media (max-width: 860px) {
  .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; }
}
@media (max-width: 500px) {
  .footer-top { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .footer-disclaimer { text-align: center; }
}

/* ── Responsive ── */
@media (max-width: 768px) {
  .nav-links { display: none; flex-direction: column; gap: 0; position: absolute; top: 64px; left: 0; right: 0; background: var(--navy); padding: 16px 24px; }
  .nav-links.open { display: flex; }
  .nav-links li a { display: block; padding: 12px 0; border-bottom: 1px solid rgba(255,255,255,.08); }
  .hamburger { display: flex; }
  .about-grid, .services-grid, .pricing-grid { grid-template-columns: 1fr; }
  .finance-grid { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .hero-stats { gap: 28px; }
}
@media (max-width: 480px) {
  .finance-grid { grid-template-columns: 1fr; }
  .section { padding: 56px 0; }
}