/* =========================================================================
   WEALTHY DNA — MASTER STYLESHEET
   One file, sectioned per page. Search the ALL-CAPS section headers below
   to jump to a page's styles.

   INDEX
   -----
   1.  RESET & BASE
   2.  DESIGN TOKENS
   3.  TYPOGRAPHY
   4.  LAYOUT UTILITIES
   5.  BUTTONS & FORM ELEMENTS
   6.  SITE HEADER / NAV
   7.  SITE FOOTER
   8.  HOME PAGE
   9.  ABOUT PAGE
   10. SERVICES PAGE
   11. CONTACT PAGE
   12. LEGAL PAGE
   13. RESPONSIVE (MAX-WIDTH QUERIES)
   14. ACCESSIBILITY / MOTION
   ========================================================================= */


/* -------------------------------------------------------------------------
   1. RESET & BASE
   ------------------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 96px; }
body, h1, h2, h3, h4, p, figure, blockquote, dl, dd { margin: 0; }
ul, ol { margin: 0; padding: 0; list-style: none; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font: inherit; color: inherit; background: none; border: 0; cursor: pointer; }
input, textarea, select { font: inherit; color: inherit; }
svg { display: block; }

/* -------------------------------------------------------------------------
   2. DESIGN TOKENS
   ------------------------------------------------------------------------- */
:root {
  /* Navy — from the Wealthy DNA mark */
  --navy-950: #070f18;
  --navy-900: #0d1f31;
  --navy-800: #16283d;
  --navy-700: #203a56;
  --navy-600: #2c4c6e;

  /* Gold — from the ascending arrow */
  --gold-700: #8f6a17;
  --gold-600: #b1861f;
  --gold-500: #c9a227;
  --gold-400: #dbb94a;
  --gold-300: #e8c468;
  --gold-200: #f1dc9c;

  /* Neutrals */
  --cream: #f6f3ea;
  --cream-deep: #efe9d8;
  --white: #ffffff;
  --ink: #101b27;
  --slate: #526174;
  --slate-light: #8593a2;
  --line: #e2ddcd;
  --line-dark: rgba(232, 196, 104, 0.16);

  /* Gradients */
  --grad-gold: linear-gradient(120deg, var(--gold-600), var(--gold-300) 55%, var(--gold-500));
  --grad-navy: linear-gradient(160deg, var(--navy-950), var(--navy-800) 65%, var(--navy-700));

  /* Type */
  --font-display: 'Fraunces', Georgia, serif;
  --font-body: 'Manrope', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  /* Rhythm */
  --section-pad: clamp(64px, 9vw, 120px);
  --container: 1180px;
  --radius-sm: 4px;
  --radius-md: 10px;

  --shadow-soft: 0 24px 48px -24px rgba(7, 15, 24, 0.35);
}

/* -------------------------------------------------------------------------
   3. TYPOGRAPHY
   ------------------------------------------------------------------------- */
body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--white);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.12;
  letter-spacing: -0.01em;
  color: var(--navy-950);
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 12.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-600);
}
.eyebrow::before {
  content: '';
  width: 26px;
  height: 1.5px;
  background: var(--gold-500);
  display: inline-block;
}
.on-dark .eyebrow { color: var(--gold-300); }

.section-head { max-width: 640px; margin-bottom: 48px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head h2 { font-size: clamp(30px, 3.4vw, 44px); margin-top: 14px; }
.section-head p { margin-top: 16px; font-size: 17px; color: var(--slate); max-width: 54ch; }
.on-dark .section-head p { color: #b7c2cf; }
.section-head.center p { margin-left: auto; margin-right: auto; }

.lede { font-size: 19px; color: var(--slate); max-width: 60ch; }

/* -------------------------------------------------------------------------
   4. LAYOUT UTILITIES
   ------------------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 28px;
}
.section { padding: var(--section-pad) 0; }
.bg-cream { background: var(--cream); }
.bg-white { background: var(--white); }
.bg-navy { background: var(--grad-navy); color: #dbe3ea; }
.bg-navy h2, .bg-navy h3, .bg-navy h4 { color: var(--white); }
.on-dark { color: #c3cdd8; }

.grid { display: grid; gap: 32px; }
.hairline { border: 1px solid var(--line); }
.divider { height: 1px; background: var(--line); border: 0; margin: 0; }
.divider.on-dark { background: var(--line-dark); }

/* -------------------------------------------------------------------------
   5. BUTTONS & FORM ELEMENTS
   ------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 15px 30px;
  font-weight: 700;
  font-size: 14.5px;
  border-radius: 3px;
  border: 1.5px solid transparent;
  transition: transform 0.25s ease, box-shadow 0.25s ease, background-color 0.25s ease, color .25s ease, border-color .25s ease;
  white-space: nowrap;
}
.btn-gold {
  background: var(--grad-gold);
  color: var(--navy-950);
  box-shadow: 0 14px 28px -12px rgba(201, 162, 39, 0.55);
}
.btn-gold:hover { transform: translateY(-2px); box-shadow: 0 18px 32px -12px rgba(201, 162, 39, 0.7); }

.btn-outline-light {
  border-color: rgba(255,255,255,0.35);
  color: var(--white);
}
.btn-outline-light:hover { border-color: var(--gold-300); color: var(--gold-300); }

.btn-outline-dark {
  border-color: var(--navy-800);
  color: var(--navy-900);
}
.btn-outline-dark:hover { border-color: var(--gold-600); color: var(--gold-700); }

.btn-sm { padding: 11px 22px; font-size: 13.5px; }
.btn-block { width: 100%; }

.btn-row { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }

.field {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.field label { font-size: 13.5px; font-weight: 700; color: var(--navy-800); letter-spacing: 0.02em; }
.field input, .field textarea, .field select {
  padding: 13px 16px;
  border: 1.5px solid var(--line);
  border-radius: 3px;
  background: var(--white);
  font-size: 15px;
}
.field input:focus, .field textarea:focus, .field select:focus {
  outline: none;
  border-color: var(--gold-500);
  box-shadow: 0 0 0 3px rgba(201, 162, 39, 0.16);
}

/* -------------------------------------------------------------------------
   6. SITE HEADER / NAV
   ------------------------------------------------------------------------- */
.skip-link {
  position: absolute; left: -999px; top: 0;
  background: var(--gold-500); color: var(--navy-950);
  padding: 12px 18px; z-index: 999; font-weight: 700;
}
.skip-link:focus { left: 12px; top: 12px; }

.site-header {
  position: fixed;
  inset: 0 0 auto 0;
  z-index: 100;
  background: transparent;
  transition: background-color 0.35s ease, box-shadow 0.35s ease, padding 0.35s ease;
  padding: 22px 0;
}
.site-header.is-scrolled {
  background: rgba(7, 15, 24, 0.92);
  backdrop-filter: blur(10px);
  box-shadow: 0 12px 30px -18px rgba(0,0,0,0.6);
  padding: 13px 0;
}
.header-inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand { display: flex; align-items: center; gap: 10px; }
.brand-mark { height: 40px; width: auto; }
.brand-word {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 21px;
  letter-spacing: -0.01em;
  color: var(--white);
}
.brand-word-accent { color: var(--gold-400); }

.main-nav { display: flex; align-items: center; gap: 34px; }
.nav-link {
  font-size: 14.5px;
  font-weight: 600;
  color: #dbe3ea;
  position: relative;
  padding: 6px 0;
}
.nav-link::after {
  content: '';
  position: absolute; left: 0; right: 100%; bottom: 0;
  height: 2px; background: var(--gold-400);
  transition: right 0.28s ease;
}
.nav-link:hover::after, .nav-link.is-active::after { right: 0; }
.nav-link.is-active { color: var(--gold-300); }

.header-actions { display: flex; align-items: center; gap: 18px; }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
}
.nav-toggle span { width: 22px; height: 2px; background: var(--white); display: block; transition: transform .25s ease, opacity .25s ease; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* -------------------------------------------------------------------------
   7. SITE FOOTER
   ------------------------------------------------------------------------- */
.site-footer { background: var(--navy-950); color: #93a0ad; padding-top: 76px; }
.footer-top {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 28px 48px;
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1.2fr;
  gap: 40px;
}
.footer-brand .brand-word { color: var(--white); }
.footer-tagline { margin-top: 16px; font-size: 14.5px; line-height: 1.7; max-width: 30ch; color: #8794a2; }
.footer-social { display: flex; gap: 12px; margin-top: 22px; }
.footer-social a {
  width: 36px; height: 36px; border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.15);
  display: flex; align-items: center; justify-content: center;
  fill: #c3cdd8;
  transition: border-color .25s ease, fill .25s ease;
}
.footer-social a:hover { border-color: var(--gold-400); fill: var(--gold-400); }

.footer-col { display: flex; flex-direction: column; gap: 13px; }
.footer-col h3 {
  font-family: var(--font-body);
  font-size: 12.5px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--gold-300); margin-bottom: 4px;
}
.footer-col a, .footer-col span { font-size: 14.5px; color: #a6b1bd; }
.footer-col a:hover { color: var(--gold-300); }
.footer-contact span { line-height: 1.6; }

.footer-disclaimer {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 26px 28px;
}
.footer-disclaimer p {
  max-width: var(--container);
  margin: 0 auto;
  font-size: 12.5px;
  line-height: 1.7;
  color: #64717d;
}

.footer-bottom {
  max-width: var(--container);
  margin: 0 auto;
  padding: 22px 28px 30px;
  display: flex;
  justify-content: space-between;
  font-size: 13px;
  color: #5c6975;
  border-top: 1px solid rgba(255,255,255,0.06);
}
.footer-credit { font-family: var(--font-display); font-style: italic; color: var(--gold-500); }


/* =========================================================================
   8. HOME PAGE
   ========================================================================= */

/* --- 8.1 Hero --- */
.hero {
  position: relative;
  background: var(--grad-navy);
  color: var(--white);
  padding: 168px 0 110px;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background-image:
    radial-gradient(600px 400px at 85% 15%, rgba(201,162,39,0.16), transparent 60%),
    radial-gradient(500px 500px at 5% 95%, rgba(201,162,39,0.08), transparent 60%);
  pointer-events: none;
}
.hero-inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 28px;
  position: relative;
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 40px;
  align-items: center;
}
.hero-copy h1 {
  font-size: clamp(38px, 5vw, 62px);
  color: var(--white);
  margin-top: 18px;
}
.hero-copy h1 em {
  font-style: italic;
  color: var(--gold-300);
}
.hero-copy .lede { color: #c2ccd7; margin-top: 20px; }
.hero-copy .btn-row { margin-top: 34px; }

.hero-stats {
  display: flex;
  gap: 36px;
  margin-top: 54px;
  padding-top: 30px;
  border-top: 1px solid var(--line-dark);
}
.hero-stats div strong {
  display: block;
  font-family: var(--font-display);
  font-size: 28px;
  color: var(--gold-300);
}
.hero-stats div span { font-size: 13px; color: #9aa6b2; }

.hero-visual { position: relative; height: 420px; }
.hero-chart {
  width: 100%; height: 100%;
}
.hero-card {
  position: absolute;
  bottom: 18px; left: -6px;
  background: rgba(13, 31, 49, 0.75);
  border: 1px solid rgba(232,196,104,0.25);
  backdrop-filter: blur(6px);
  border-radius: var(--radius-md);
  padding: 18px 22px;
  min-width: 210px;
}
.hero-card span { font-size: 12px; color: #9aa6b2; letter-spacing: 0.04em; text-transform: uppercase; }
.hero-card strong { display: block; font-family: var(--font-display); font-size: 24px; color: var(--white); margin-top: 6px; }
.hero-card strong small { color: var(--gold-300); font-size: 15px; margin-left: 6px; }

/* --- 8.2 About teaser --- */
.about-teaser { background: var(--cream); }
.about-grid {
  display: grid;
  grid-template-columns: 0.95fr 1.05fr;
  gap: 64px;
  align-items: center;
}
.about-figure {
  position: relative;
  border: 1px solid var(--line);
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 40px 34px;
}
.about-figure .quote-mark {
  font-family: var(--font-display);
  font-size: 90px;
  line-height: 1;
  color: var(--gold-300);
}
.about-figure p {
  font-family: var(--font-display);
  font-size: 22px;
  line-height: 1.5;
  color: var(--navy-900);
  margin-top: -18px;
}
.about-figure footer {
  margin-top: 24px;
  font-size: 13.5px;
  color: var(--slate);
  border-top: 1px solid var(--line);
  padding-top: 16px;
}
.about-copy p { color: var(--slate); font-size: 16.5px; margin-top: 16px; line-height: 1.75; }
.about-copy .btn { margin-top: 28px; }

/* --- 8.3 Services --- */
.services-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
}
.service-card {
  background: var(--white);
  padding: 38px 30px;
  transition: background-color .3s ease;
}
.service-card:hover { background: var(--cream); }
.service-index {
  font-family: var(--font-display);
  font-size: 14px;
  color: var(--gold-600);
  font-weight: 600;
}
.service-card h3 { font-size: 20px; margin-top: 16px; }
.service-card p { margin-top: 12px; font-size: 14.5px; color: var(--slate); line-height: 1.65; }
.service-card a.card-link {
  display: inline-flex; align-items: center; gap: 6px;
  margin-top: 18px; font-size: 13.5px; font-weight: 700; color: var(--navy-800);
}
.service-card a.card-link:hover { color: var(--gold-600); }

/* --- 8.4 Why Us --- */
.why-us { background: var(--grad-navy); color: #c9d2db; }
.why-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 60px;
  align-items: start;
}
.why-list { display: flex; flex-direction: column; }
.why-item {
  display: grid;
  grid-template-columns: 44px 1fr;
  gap: 20px;
  padding: 26px 0;
  border-top: 1px solid var(--line-dark);
}
.why-item:last-child { border-bottom: 1px solid var(--line-dark); }
.why-icon {
  width: 44px; height: 44px;
  border: 1px solid rgba(232,196,104,0.35);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--gold-300);
}
.why-item h4 { color: var(--white); font-size: 18px; }
.why-item p { margin-top: 8px; font-size: 14.5px; color: #9fabb8; line-height: 1.65; }

/* --- 8.5 Approach (stepper) --- */
.approach { background: var(--cream); }
.approach-track { position: relative; }
.approach-track::before {
  content: '';
  position: absolute;
  top: 26px; left: 0; right: 0;
  height: 1px;
  background: linear-gradient(90deg, var(--line) 0%, var(--gold-400) 15%, var(--gold-400) 85%, var(--line) 100%);
}
.approach-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  position: relative;
}
.approach-step { padding-top: 0; }
.approach-num {
  width: 52px; height: 52px;
  border-radius: 50%;
  background: var(--navy-900);
  color: var(--gold-300);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display);
  font-size: 18px;
  position: relative;
  z-index: 1;
}
.approach-step h4 { margin-top: 22px; font-size: 18.5px; }
.approach-step p { margin-top: 10px; font-size: 14.5px; color: var(--slate); line-height: 1.65; }

/* --- 8.6 Expertise --- */
.expertise { background: var(--white); }
.expertise-band {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.expertise-item {
  padding: 30px 26px;
  border-right: 1px solid var(--line);
  display: flex;
  align-items: center;
  gap: 16px;
}
.expertise-item:last-child { border-right: none; }
.expertise-item .ico { color: var(--gold-600); flex-shrink: 0; }
.expertise-item h4 { font-size: 16.5px; }
.expertise-item p { font-size: 13px; color: var(--slate); margin-top: 4px; }

/* --- 8.7 Risk Management --- */
.risk { background: var(--navy-950); color: #c9d2db; position: relative; overflow: hidden; }
.risk-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.risk-copy p { margin-top: 18px; color: #a3aebb; font-size: 16px; line-height: 1.75; }
.risk-points { margin-top: 30px; display: flex; flex-direction: column; gap: 16px; }
.risk-point { display: flex; gap: 14px; align-items: flex-start; font-size: 15px; color: #dbe3ea; }
.risk-point svg { flex-shrink: 0; margin-top: 3px; color: var(--gold-400); }
.risk-panel {
  border: 1px solid rgba(232,196,104,0.22);
  border-radius: var(--radius-md);
  padding: 40px;
  background: linear-gradient(180deg, rgba(232,196,104,0.06), transparent);
}
.risk-panel .big-num { font-family: var(--font-display); font-size: 64px; color: var(--gold-300); line-height: 1; }
.risk-panel .cap { font-size: 13px; letter-spacing: 0.06em; text-transform: uppercase; color: #8b97a4; margin-top: 10px; display: block; }
.risk-panel-divider { height: 1px; background: rgba(255,255,255,0.1); margin: 28px 0; }
.risk-panel-row { display: flex; justify-content: space-between; font-size: 14.5px; padding: 10px 0; color: #b3bdc9; }
.risk-panel-row strong { color: var(--white); }

/* --- 8.8 Stats band --- */
.stats-band { background: var(--grad-gold); }
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  text-align: center;
}
.stat-item { padding: 8px 20px; border-right: 1px solid rgba(7,15,24,0.15); }
.stat-item:last-child { border-right: none; }
.stat-num {
  font-family: var(--font-display);
  font-size: clamp(34px, 4vw, 50px);
  color: var(--navy-950);
  font-weight: 700;
}
.stat-label { margin-top: 8px; font-size: 13.5px; font-weight: 700; letter-spacing: 0.03em; color: rgba(7,15,24,0.72); }

/* --- 8.9 Testimonials --- */
.testimonials { background: var(--cream); }
.testi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border-top: 1px solid var(--line);
}
.testi-card { padding: 40px 34px 10px; border-right: 1px solid var(--line); }
.testi-card:last-child { border-right: none; }
.testi-card .quote-mark { font-family: var(--font-display); font-size: 48px; color: var(--gold-400); line-height: 1; }
.testi-card p { font-family: var(--font-display); font-size: 18px; line-height: 1.55; color: var(--navy-900); margin-top: -8px; }
.testi-name { margin-top: 22px; font-size: 14.5px; font-weight: 700; color: var(--navy-800); }
.testi-role { font-size: 13px; color: var(--slate); margin-top: 2px; }

/* --- 8.10 FAQ --- */
.faq { background: var(--white); }
.faq-layout { display: grid; grid-template-columns: 0.8fr 1.2fr; gap: 60px; }
.faq-list { display: flex; flex-direction: column; }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-q {
  width: 100%;
  display: flex; align-items: center; justify-content: space-between;
  padding: 22px 4px;
  text-align: left;
  font-family: var(--font-display);
  font-size: 18px;
  color: var(--navy-950);
}
.faq-q .plus { position: relative; width: 18px; height: 18px; flex-shrink: 0; margin-left: 20px; }
.faq-q .plus::before, .faq-q .plus::after {
  content: ''; position: absolute; background: var(--gold-600);
  transition: transform .3s ease;
}
.faq-q .plus::before { top: 50%; left: 0; width: 100%; height: 2px; margin-top: -1px; }
.faq-q .plus::after { left: 50%; top: 0; height: 100%; width: 2px; margin-left: -1px; }
.faq-item.is-open .plus::after { transform: rotate(90deg); opacity: 0; }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .35s ease;
}
.faq-answer p { padding: 0 4px 24px; font-size: 15px; color: var(--slate); line-height: 1.7; max-width: 60ch; }

/* --- 8.11 Final CTA --- */
.cta-band {
  background: var(--grad-navy);
  color: var(--white);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-band::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(700px 300px at 50% 0%, rgba(201,162,39,0.18), transparent 65%);
}
.cta-band .container { position: relative; }
.cta-band .eyebrow { justify-content: center; }
.cta-band h2 { color: var(--white); font-size: clamp(30px, 4vw, 46px); margin-top: 16px; max-width: 18ch; margin-left: auto; margin-right: auto; }
.cta-band p { margin-top: 16px; color: #b9c3cf; max-width: 52ch; margin-left: auto; margin-right: auto; }
.cta-band .btn-row { justify-content: center; margin-top: 32px; }


/* =========================================================================
   9. ABOUT PAGE  (styles added when about.php is built)
   ========================================================================= */


/* =========================================================================
   10. SERVICES PAGE  (styles added when services.php is built)
   ========================================================================= */


/* =========================================================================
   11. CONTACT PAGE  (styles added when contact.php is built)
   ========================================================================= */


/* =========================================================================
   12. LEGAL PAGE  (styles added when legal.php is built)
   ========================================================================= */


/* =========================================================================
   13. RESPONSIVE
   ========================================================================= */
@media (max-width: 1080px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .expertise-band { grid-template-columns: repeat(2, 1fr); }
  .expertise-item:nth-child(2) { border-right: none; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); row-gap: 28px; }
  .stat-item:nth-child(2) { border-right: none; }
  .testi-grid { grid-template-columns: 1fr; border-top: none; }
  .testi-card { border-right: none; border-bottom: 1px solid var(--line); }
}

@media (max-width: 940px) {
  .main-nav, .header-actions .btn { display: none; }
  .nav-toggle { display: flex; }
  .main-nav.is-open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 100%; left: 0; right: 0;
    background: rgba(7,15,24,0.98);
    padding: 22px 28px 30px;
    gap: 4px;
  }
  .main-nav.is-open .nav-link { padding: 12px 0; border-bottom: 1px solid var(--line-dark); }

  .hero-inner { grid-template-columns: 1fr; }
  .hero-visual { height: 300px; margin-top: 20px; }
  .hero-stats { flex-wrap: wrap; row-gap: 20px; }

  .about-grid { grid-template-columns: 1fr; gap: 40px; }
  .why-grid { grid-template-columns: 1fr; gap: 40px; }
  .risk-grid { grid-template-columns: 1fr; gap: 40px; }
  .faq-layout { grid-template-columns: 1fr; gap: 24px; }

  .approach-steps { grid-template-columns: repeat(2, 1fr); row-gap: 40px; }
  .approach-track::before { display: none; }

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

@media (max-width: 640px) {
  .services-grid { grid-template-columns: 1fr; }
  .expertise-band { grid-template-columns: 1fr; }
  .expertise-item { border-right: none; border-bottom: 1px solid var(--line); }
  .stats-grid { grid-template-columns: 1fr; }
  .stat-item { border-right: none; border-bottom: 1px solid rgba(7,15,24,0.15); padding: 20px; }
  .approach-steps { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; gap: 8px; }
  .hero { padding-top: 140px; }
  .btn-row { flex-direction: column; align-items: stretch; }
  .btn-row .btn { width: 100%; }
}

/* -------------------------------------------------------------------------
   14. ACCESSIBILITY / MOTION
   ------------------------------------------------------------------------- */
a:focus-visible, button:focus-visible, input:focus-visible, textarea:focus-visible {
  outline: 2px solid var(--gold-500);
  outline-offset: 2px;
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { animation-duration: 0.001ms !important; transition-duration: 0.001ms !important; }
}