@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600&family=Montserrat:wght@400;500;600;700&family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400&display=swap');

/* BRAND VARIABLES */
:root {
  --bg-darker: #0d0d0d;
  --bg-dark: #161616;
  --bg-card: #202020;
  --gold: #C8A44D;
  --gold-light: #E0C070;
  --gold-dark: #A37F2C;
  --gold-glow: rgba(200, 164, 77, 0.15);
  --gold-glow-strong: rgba(200, 164, 77, 0.35);
  
  --text-light: #ffffff;
  --text-muted: #a0a0a0;
  --text-dark: #1a1a1a;
  --text-dark-muted: #555555;
  
  --bg-light: #ffffff;
  --bg-light-soft: #f9f9f9;
  --bg-light-gray: #f0f0f0;
  
  --transition-smooth: all 0.4s cubic-bezier(0.16, 1, 0.3, 1);
  --transition-fast: all 0.2s cubic-bezier(0.16, 1, 0.3, 1);
  
  --shadow-premium: 0 20px 40px rgba(0, 0, 0, 0.3);
  --shadow-gold: 0 8px 30px rgba(200, 164, 77, 0.1);
  --border-radius-sm: 4px;
  --border-radius-md: 8px;
  --border-radius-lg: 16px;
  --border-radius-xl: 24px;
  
  --font-serif: 'Playfair Display', Georgia, serif;
  --font-sans: 'Inter', system-ui, sans-serif;
  --font-title: 'Montserrat', sans-serif;
}

/* RESET & CORE STYLES */
* {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
  outline: none;
}

html {
  scroll-behavior: smooth;
  font-family: var(--font-sans);
  background-color: var(--bg-darker);
  color: var(--text-light);
  overflow-x: hidden;
}

body {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  line-height: 1.6;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-title);
  font-weight: 700;
  letter-spacing: -0.02em;
}

.serif-title {
  font-family: var(--font-serif);
  font-weight: 600;
  letter-spacing: 0;
}

a {
  color: inherit;
  text-decoration: none;
  transition: var(--transition-fast);
}

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

/* SCROLLBAR */
::-webkit-scrollbar {
  width: 8px;
}
::-webkit-scrollbar-track {
  background: var(--bg-darker);
}
::-webkit-scrollbar-thumb {
  background: #333333;
  border-radius: var(--border-radius-sm);
  border: 2px solid var(--bg-darker);
}
::-webkit-scrollbar-thumb:hover {
  background: var(--gold);
}

/* LAYOUT CONTAINER */
.container {
  width: 100%;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 2rem;
}

@media (max-width: 768px) {
  .container {
    padding: 0 1.2rem;
  }
}

/* SLEEK GLASSMORPHIC HEADER */
header {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  z-index: 100;
  background: rgba(13, 13, 13, 0.85);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
  transition: var(--transition-smooth);
}

header.scrolled {
  padding: 0.5rem 0;
  background: rgba(13, 13, 13, 0.95);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.5);
  border-bottom: 1px solid rgba(200, 164, 77, 0.15);
}

.header-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 80px;
  transition: var(--transition-smooth);
}

header.scrolled .header-container {
  height: 65px;
}

/* BRAND LOGO */
.logo {
  display: flex;
  align-items: center;
  gap: 0.8rem;
  font-family: var(--font-title);
  font-weight: 700;
  font-size: 1.4rem;
  letter-spacing: 0.05em;
  color: var(--text-light);
  cursor: pointer;
}

.logo span {
  color: var(--gold);
}

.logo-icon {
  width: 38px;
  height: 38px;
  border: 2px solid var(--gold);
  border-radius: var(--border-radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-serif);
  font-weight: 700;
  font-size: 1.3rem;
  color: var(--gold);
  background: linear-gradient(135deg, rgba(200, 164, 77, 0.1), rgba(0,0,0,0));
  box-shadow: inset 0 0 10px rgba(200, 164, 77, 0.2);
}

/* NAVIGATION LINKS */
nav {
  display: flex;
  align-items: center;
  gap: 1.8rem;
}

.nav-link {
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--text-muted);
  position: relative;
  padding: 0.5rem 0;
  cursor: pointer;
}

.nav-link:hover, .nav-link.active {
  color: var(--text-light);
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background-color: var(--gold);
  transition: var(--transition-fast);
}

.nav-link:hover::after, .nav-link.active::after {
  width: 100%;
}

/* HEADER ACTION BUTTONS */
.header-actions {
  display: flex;
  align-items: center;
  gap: 0.8rem;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-title);
  font-size: 0.8rem;
  font-weight: 600;
  padding: 0.7rem 1.4rem;
  border-radius: var(--border-radius-sm);
  transition: var(--transition-smooth);
  cursor: pointer;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.btn-primary {
  background-color: var(--gold);
  color: var(--text-dark);
  border: 1px solid var(--gold);
}

.btn-primary:hover {
  background-color: var(--gold-light);
  border-color: var(--gold-light);
  box-shadow: 0 0 20px rgba(200, 164, 77, 0.4);
  transform: translateY(-2px);
}

.btn-secondary {
  background-color: transparent;
  color: var(--text-light);
  border: 1px solid rgba(255, 255, 255, 0.2);
}

.btn-secondary:hover {
  border-color: var(--gold);
  color: var(--gold);
  background-color: rgba(200, 164, 77, 0.05);
  transform: translateY(-2px);
}

.btn-text {
  background: none;
  border: none;
  color: var(--gold);
  font-weight: 600;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.5rem 0;
  font-size: 0.9rem;
}

.btn-text:hover {
  color: var(--gold-light);
}

.btn-text i {
  transition: var(--transition-fast);
}

.btn-text:hover i {
  transform: translateX(5px);
}

/* MOBILE NAV MENU */
.mobile-menu-btn {
  display: none;
  flex-direction: column;
  gap: 6px;
  background: none;
  border: none;
  cursor: pointer;
  z-index: 102;
}

.mobile-menu-btn span {
  display: block;
  width: 25px;
  height: 2px;
  background-color: var(--text-light);
  transition: var(--transition-fast);
}

@media (max-width: 991px) {
  nav {
    display: none;
  }
  
  .header-actions {
    display: none;
  }
  
  .mobile-menu-btn {
    display: flex;
  }
  
  nav.mobile-active {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: 0;
    right: 0;
    width: 280px;
    height: 100vh;
    background-color: var(--bg-darker);
    border-left: 1px solid rgba(200, 164, 77, 0.2);
    padding: 100px 2rem 2rem 2rem;
    z-index: 101;
    box-shadow: -10px 0 40px rgba(0, 0, 0, 0.8);
    gap: 1.5rem;
    align-items: flex-start;
  }
  
  nav.mobile-active .nav-link {
    font-size: 1.1rem;
    width: 100%;
  }
}

/* MAIN APP WRAPPER & TRANSITIONS */
main {
  flex: 1;
  margin-top: 80px;
  position: relative;
}

.page {
  display: none;
  opacity: 0;
  transform: translateY(15px);
  transition: opacity 0.5s ease, transform 0.5s cubic-bezier(0.16, 1, 0.3, 1);
  width: 100%;
}

.page.active {
  display: block;
  animation: pageEnter 0.6s forwards cubic-bezier(0.16, 1, 0.3, 1);
}

@keyframes pageEnter {
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* SECTION STYLING */
section {
  padding: 8rem 0;
  position: relative;
}

@media (max-width: 768px) {
  section {
    padding: 4.5rem 0;
  }
}

.bg-charcoal {
  background-color: var(--bg-dark);
}

.bg-white-section {
  background-color: var(--bg-light);
  color: var(--text-dark);
}

.bg-gray-section {
  background-color: var(--bg-light-soft);
  color: var(--text-dark);
}

/* SECTION HEADER */
.section-header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 5rem auto;
}

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

.section-badge {
  font-family: var(--font-title);
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 0.15em;
  margin-bottom: 1rem;
  display: inline-block;
}

.section-title {
  font-size: 2.5rem;
  margin-bottom: 1.5rem;
  line-height: 1.2;
}

.section-title.light-text {
  color: var(--text-light);
}

.section-subtitle {
  font-size: 1.1rem;
  color: var(--text-muted);
  font-weight: 300;
}

.bg-white-section .section-subtitle,
.bg-gray-section .section-subtitle {
  color: var(--text-dark-muted);
}

/* ==========================================================================
   1. DUAL HERO & HOMEPAGE SWITCHER
   ========================================================================== */
.hero {
  position: relative;
  min-height: calc(100vh - 80px);
  display: flex;
  align-items: center;
  padding: 0;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  overflow: hidden;
}

.hero-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(to bottom, rgba(13, 13, 13, 0.92) 50%, rgba(13, 13, 13, 0.98) 100%);
  z-index: 1;
}

.hero .container {
  position: relative;
  z-index: 2;
  padding-top: 4rem;
  padding-bottom: 5rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.hero-content {
  max-width: 850px;
  margin-bottom: 4rem;
}

.hero-tagline {
  font-family: var(--font-title);
  color: var(--gold);
  font-weight: 700;
  font-size: 0.85rem;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
  display: inline-flex;
  align-items: center;
  gap: 10px;
}

.hero-title {
  font-size: 3.6rem;
  line-height: 1.15;
  margin-bottom: 1.8rem;
}

.hero-desc {
  font-size: 1.2rem;
  color: var(--text-muted);
  font-weight: 300;
  max-width: 700px;
  margin: 0 auto;
}

/* DUAL SPLIT CARDS CONTAINER */
.hero-split-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 3rem;
  width: 100%;
  max-width: 1100px;
}

.split-card {
  background: rgba(22, 22, 22, 0.6);
  border: 1px solid rgba(255, 255, 255, 0.05);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-radius: var(--border-radius-lg);
  padding: 3.5rem 3rem;
  text-align: left;
  transition: var(--transition-smooth);
  position: relative;
  overflow: hidden;
}

.split-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 3px;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold-light));
  opacity: 0;
  transition: var(--transition-fast);
}

.split-card:hover {
  transform: translateY(-8px);
  border-color: rgba(200, 164, 77, 0.25);
  box-shadow: 0 15px 35px rgba(0, 0, 0, 0.4), var(--shadow-gold);
}

.split-card:hover::before {
  opacity: 1;
}

.split-card-badge {
  font-family: var(--font-title);
  font-size: 0.7rem;
  font-weight: 700;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 0.8rem;
  display: inline-block;
}

.split-card-title {
  font-size: 1.6rem;
  margin-bottom: 1rem;
  line-height: 1.25;
}

.split-card-desc {
  color: var(--text-muted);
  font-size: 0.95rem;
  font-weight: 300;
  margin-bottom: 2rem;
  min-height: 50px;
}

.split-bullets {
  list-style: none;
  margin-bottom: 2.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.8rem;
}

.split-bullet-item {
  display: flex;
  align-items: center;
  gap: 0.8rem;
  font-size: 0.85rem;
  color: var(--text-light);
}

.split-bullet-item i {
  color: var(--gold);
  font-size: 0.9rem;
}

.split-actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

@media (max-width: 991px) {
  .hero-split-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }
  .split-card {
    padding: 2.5rem 2rem;
  }
}

@media (max-width: 768px) {
  .hero-title {
    font-size: 2.4rem;
  }
}

/* STATS COUNTER BAR */
.stats-bar {
  background-color: var(--bg-dark);
  border-top: 1px solid rgba(200, 164, 77, 0.1);
  border-bottom: 1px solid rgba(200, 164, 77, 0.1);
  padding: 3rem 0;
  position: relative;
  z-index: 10;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
}

.stat-item {
  text-align: center;
  border-right: 1px solid rgba(255, 255, 255, 0.05);
}

.stat-item:last-child {
  border-right: none;
}

.stat-number {
  font-family: var(--font-title);
  font-size: 2.8rem;
  font-weight: 700;
  color: var(--gold);
  margin-bottom: 0.5rem;
}

.stat-label {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--text-muted);
}

@media (max-width: 991px) {
  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 3rem;
  }
  .stat-item:nth-child(2) {
    border-right: none;
  }
}

@media (max-width: 576px) {
  .stats-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
  .stat-item {
    border-right: none;
    border-bottom: 1px solid rgba(255, 255, 255, 0.05);
    padding-bottom: 1.5rem;
  }
  .stat-item:last-child {
    border-bottom: none;
    padding-bottom: 0;
  }
}

/* WHY US SECTION & CORE VALUES GRID */
.why-us-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2.5rem;
}

.why-card {
  background-color: var(--bg-dark);
  border: 1px solid rgba(255, 255, 255, 0.03);
  border-radius: var(--border-radius-md);
  padding: 3rem 2.5rem;
  transition: var(--transition-smooth);
  position: relative;
  overflow: hidden;
}

.why-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 3px;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold-light));
  opacity: 0;
  transition: var(--transition-fast);
}

.why-card:hover {
  transform: translateY(-8px);
  border-color: rgba(200, 164, 77, 0.2);
  box-shadow: var(--shadow-gold);
}

.why-card:hover::before {
  opacity: 1;
}

.why-icon {
  width: 55px;
  height: 55px;
  border-radius: var(--border-radius-sm);
  background-color: rgba(200, 164, 77, 0.08);
  border: 1px solid rgba(200, 164, 77, 0.2);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 1.6rem;
  margin-bottom: 2rem;
  transition: var(--transition-smooth);
}

.why-card:hover .why-icon {
  background-color: var(--gold);
  color: var(--text-dark);
  box-shadow: 0 0 15px rgba(200, 164, 77, 0.3);
}

.why-title {
  font-size: 1.3rem;
  margin-bottom: 1rem;
}

.why-desc {
  color: var(--text-muted);
  font-size: 0.95rem;
  font-weight: 300;
}

@media (max-width: 991px) {
  .why-us-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .why-us-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }
}

/* ==========================================================================
   2. SOLUTIONS / B2C FINANCIAL SOLUTIONS
   ========================================================================== */
.solutions-comparison {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 3rem;
  margin-bottom: 6rem;
}

.compare-card {
  background: var(--bg-light-soft);
  border: 1px solid rgba(0,0,0,0.05);
  border-radius: var(--border-radius-lg);
  padding: 4rem 3.5rem;
  color: var(--text-dark);
  transition: var(--transition-smooth);
}

.compare-card:hover {
  box-shadow: 0 15px 35px rgba(0,0,0,0.05);
}

.compare-title {
  font-size: 1.8rem;
  margin-bottom: 1rem;
  color: var(--text-dark);
}

.compare-desc {
  color: var(--text-dark-muted);
  font-size: 1rem;
  font-weight: 300;
  margin-bottom: 2.5rem;
}

.compare-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin-bottom: 3rem;
}

.compare-item {
  display: flex;
  align-items: flex-start;
  gap: 0.8rem;
  font-size: 0.9rem;
  color: var(--text-dark);
}

.compare-item i {
  color: var(--gold-dark);
  margin-top: 0.3rem;
}

@media (max-width: 991px) {
  .solutions-comparison {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
  .compare-card {
    padding: 2.5rem 2rem;
  }
}

/* DYNAMIC WEALTH RECOMMENDATION QUESTIONNAIRE (QUIZ) */
.quiz-container {
  max-width: 800px;
  margin: 0 auto;
  background-color: var(--bg-dark);
  border: 1px solid rgba(200, 164, 77, 0.2);
  border-radius: var(--border-radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-premium);
}

.quiz-header {
  background-color: var(--bg-darker);
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
  padding: 2rem 3rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.quiz-header-title {
  font-family: var(--font-title);
  font-weight: 700;
  font-size: 1rem;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.quiz-progress-bar {
  flex: 1;
  max-width: 250px;
  height: 4px;
  background-color: rgba(255, 255, 255, 0.05);
  border-radius: 2px;
  overflow: hidden;
  margin-left: 2rem;
}

.quiz-progress-fill {
  height: 100%;
  background: var(--gold);
  width: 33.33%;
  transition: var(--transition-smooth);
}

.quiz-body {
  padding: 4rem 3rem;
}

.quiz-question-block {
  display: none;
  animation: fadeIn 0.4s forwards;
}

.quiz-question-block.active {
  display: block;
}

.quiz-title {
  font-size: 1.8rem;
  margin-bottom: 0.8rem;
}

.quiz-subtitle {
  color: var(--text-muted);
  font-size: 0.95rem;
  margin-bottom: 3rem;
  font-weight: 300;
}

.quiz-options {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
}

.quiz-option-btn {
  border: 1px solid rgba(255, 255, 255, 0.1);
  background-color: rgba(255, 255, 255, 0.01);
  border-radius: var(--border-radius-md);
  padding: 2.2rem 1.8rem;
  color: var(--text-light);
  cursor: pointer;
  transition: var(--transition-smooth);
  text-align: left;
}

.quiz-option-btn:hover {
  border-color: rgba(200, 164, 77, 0.35);
  background-color: rgba(200, 164, 77, 0.02);
}

.quiz-option-btn.selected {
  border-color: var(--gold);
  background-color: rgba(200, 164, 77, 0.08);
  box-shadow: var(--shadow-gold);
}

.quiz-option-title {
  font-family: var(--font-title);
  font-weight: 600;
  font-size: 1.1rem;
  margin-bottom: 0.5rem;
}

.quiz-option-desc {
  font-size: 0.85rem;
  color: var(--text-muted);
  font-weight: 300;
}

@media (max-width: 768px) {
  .quiz-body {
    padding: 2.5rem 1.5rem;
  }
  .quiz-options {
    grid-template-columns: 1fr;
    gap: 1rem;
  }
  .quiz-option-btn {
    padding: 1.5rem 1.2rem;
  }
}

.quiz-nav {
  display: flex;
  justify-content: space-between;
  border-top: 1px solid rgba(255, 255, 255, 0.05);
  padding-top: 2.5rem;
  margin-top: 1rem;
}

/* QUIZ RESULTS STYLING */
.quiz-results-card {
  display: none;
  animation: fadeIn 0.5s forwards;
}

.quiz-results-card.active {
  display: block;
}

.results-heading-badge {
  font-size: 0.75rem;
  color: var(--gold);
  text-transform: uppercase;
  font-weight: 700;
  letter-spacing: 0.15em;
  margin-bottom: 0.8rem;
}

.results-focal-title {
  font-size: 2rem;
  margin-bottom: 1.5rem;
  line-height: 1.3;
}

.results-focal-title span {
  color: var(--gold);
}

.results-explanation {
  background-color: rgba(255, 255, 255, 0.02);
  border: 1px solid rgba(255, 255, 255, 0.05);
  padding: 2rem;
  border-radius: var(--border-radius-md);
  color: var(--text-muted);
  font-size: 0.95rem;
  line-height: 1.7;
  margin-bottom: 3rem;
  font-weight: 300;
}

.results-explanation strong {
  color: var(--text-light);
}

/* CLAIMS ASSISTANCE PANEL */
.claims-panel {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.claims-card {
  background-color: rgba(255, 255, 255, 0.01);
  border: 1px solid rgba(200, 164, 77, 0.1);
  padding: 3rem;
  border-radius: var(--border-radius-lg);
}

@media (max-width: 991px) {
  .claims-panel {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }
  .claims-card {
    padding: 2rem 1.5rem;
  }
}

/* ==========================================================================
   3. SERVICES WITH CATEGORY TABS
   ========================================================================== */
.services-tabs {
  display: flex;
  justify-content: center;
  gap: 1.5rem;
  margin-bottom: 5rem;
  flex-wrap: wrap;
}

.service-tab-btn {
  background: none;
  border: none;
  color: var(--text-muted);
  font-family: var(--font-title);
  font-size: 0.95rem;
  font-weight: 600;
  padding: 0.8rem 1.8rem;
  cursor: pointer;
  position: relative;
  transition: var(--transition-fast);
}

.service-tab-btn:hover {
  color: var(--text-light);
}

.service-tab-btn::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background-color: var(--gold);
  transition: var(--transition-fast);
}

.service-tab-btn.active {
  color: var(--gold);
}

.service-tab-btn.active::after {
  width: 100%;
}

.services-tab-grid {
  display: none;
  grid-template-columns: repeat(3, 1fr);
  gap: 2.5rem;
  animation: fadeIn 0.5s forwards;
}

.services-tab-grid.active {
  display: grid;
}

.service-card {
  background-color: var(--bg-dark);
  border: 1px solid rgba(255, 255, 255, 0.03);
  border-radius: var(--border-radius-md);
  padding: 3rem 2.5rem;
  transition: var(--transition-smooth);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  min-height: 400px;
}

.service-card:hover {
  border-color: rgba(200, 164, 77, 0.3);
  transform: translateY(-5px);
  box-shadow: var(--shadow-gold);
}

.service-card-header {
  margin-bottom: 2rem;
}

.service-card-icon {
  width: 50px;
  height: 50px;
  border-radius: var(--border-radius-sm);
  background-color: rgba(200, 164, 77, 0.08);
  border: 1px solid rgba(200, 164, 77, 0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 1.4rem;
  margin-bottom: 2rem;
  transition: var(--transition-fast);
}

.service-card:hover .service-card-icon {
  background-color: var(--gold);
  color: var(--text-dark);
}

.service-card-title {
  font-size: 1.4rem;
  margin-bottom: 1rem;
}

.service-card-body {
  color: var(--text-muted);
  font-size: 0.95rem;
  font-weight: 300;
  margin-bottom: 2rem;
}

.service-benefits-list {
  display: none;
  flex-direction: column;
  gap: 0.6rem;
  margin-top: 1.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.05);
  animation: fadeIn 0.3s forwards;
}

.service-benefits-list.active {
  display: flex;
}

.service-benefit-item {
  display: flex;
  align-items: center;
  gap: 0.8rem;
  font-size: 0.85rem;
  color: var(--text-light);
}

.service-benefit-item i {
  color: var(--gold);
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(5px); }
  to { opacity: 1; transform: translateY(0); }
}

@media (max-width: 991px) {
  .services-tab-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .services-tab-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }
}

/* ==========================================================================
   4. BECOME AN ADVISOR (ONBOARDING FUNNEL)
   ========================================================================== */
.onboarding-container {
  max-width: 900px;
  margin: 0 auto;
  background-color: var(--bg-dark);
  border: 1px solid rgba(255, 255, 255, 0.05);
  border-radius: var(--border-radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-premium);
}

.onboarding-stepper {
  background-color: var(--bg-darker);
  display: flex;
  justify-content: space-between;
  padding: 2rem 4rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
}

.step-node {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.8rem;
  position: relative;
  flex: 1;
}

.step-node::after {
  content: '';
  position: absolute;
  top: 18px;
  left: 50%;
  width: 100%;
  height: 2px;
  background-color: rgba(255, 255, 255, 0.05);
  z-index: 1;
}

.step-node:last-child::after {
  display: none;
}

.step-node.active::after, .step-node.completed::after {
  background-color: var(--gold);
}

.step-circle {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background-color: var(--bg-dark);
  border: 2px solid rgba(255, 255, 255, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-title);
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--text-muted);
  position: relative;
  z-index: 2;
  transition: var(--transition-smooth);
}

.step-node.active .step-circle {
  border-color: var(--gold);
  color: var(--gold);
  background-color: var(--bg-dark);
  box-shadow: 0 0 15px var(--gold-glow-strong);
}

.step-node.completed .step-circle {
  background-color: var(--gold);
  border-color: var(--gold);
  color: var(--text-dark);
}

.step-label {
  font-family: var(--font-title);
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.step-node.active .step-label {
  color: var(--text-light);
}

.step-node.completed .step-label {
  color: var(--gold);
}

@media (max-width: 768px) {
  .onboarding-stepper {
    padding: 1.5rem 1rem;
  }
  .step-label {
    display: none;
  }
}

.onboarding-form {
  padding: 4rem;
}

@media (max-width: 768px) {
  .onboarding-form {
    padding: 2rem 1.5rem;
  }
}

.wizard-step {
  display: none;
  animation: fadeIn 0.4s forwards;
}

.wizard-step.active {
  display: block;
}

.wizard-step-title {
  font-size: 1.8rem;
  margin-bottom: 0.5rem;
}

.wizard-step-desc {
  color: var(--text-muted);
  font-size: 0.95rem;
  margin-bottom: 3rem;
}

.form-group {
  margin-bottom: 2rem;
}

.form-row {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
}

@media (max-width: 576px) {
  .form-row {
    grid-template-columns: 1fr;
  }
}

label {
  display: block;
  font-family: var(--font-title);
  font-size: 0.85rem;
  font-weight: 500;
  margin-bottom: 0.8rem;
  color: var(--text-light);
}

input[type=text], input[type=email], input[type=tel], select, textarea {
  width: 100%;
  background-color: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.1);
  padding: 1rem 1.2rem;
  color: var(--text-light);
  border-radius: var(--border-radius-sm);
  font-family: var(--font-sans);
  font-size: 0.95rem;
  transition: var(--transition-fast);
}

input[type=text]:focus, input[type=email]:focus, input[type=tel]:focus, select:focus, textarea:focus {
  border-color: var(--gold);
  background-color: rgba(200, 164, 77, 0.03);
  box-shadow: 0 0 10px var(--gold-glow);
}

.option-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.2rem;
}

@media (max-width: 768px) {
  .option-cards {
    grid-template-columns: 1fr;
  }
}

.option-card {
  border: 1px solid rgba(255, 255, 255, 0.1);
  background-color: rgba(255, 255, 255, 0.02);
  border-radius: var(--border-radius-md);
  padding: 2rem 1.5rem;
  text-align: center;
  cursor: pointer;
  transition: var(--transition-smooth);
}

.option-card:hover {
  border-color: rgba(200, 164, 77, 0.3);
  background-color: rgba(200, 164, 77, 0.02);
}

.option-card.selected {
  border-color: var(--gold);
  background-color: rgba(200, 164, 77, 0.05);
  box-shadow: var(--shadow-gold);
}

.option-card-icon {
  font-size: 1.8rem;
  color: var(--gold);
  margin-bottom: 1.2rem;
}

.option-card-title {
  font-family: var(--font-title);
  font-size: 1.05rem;
  font-weight: 600;
  margin-bottom: 0.5rem;
}

.option-card-desc {
  font-size: 0.8rem;
  color: var(--text-muted);
}

.wizard-navigation {
  display: flex;
  justify-content: space-between;
  border-top: 1px solid rgba(255, 255, 255, 0.05);
  padding-top: 2.5rem;
  margin-top: 1rem;
}

.wizard-success {
  text-align: center;
  padding: 3rem 0;
}

.success-icon-wrapper {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background-color: rgba(200, 164, 77, 0.1);
  border: 2px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 2rem auto;
  color: var(--gold);
  font-size: 2.5rem;
  box-shadow: 0 0 30px var(--gold-glow);
  animation: scaleUp 0.5s cubic-bezier(0.175, 0.885, 0.32, 1.275) forwards;
}

@keyframes scaleUp {
  from { transform: scale(0.5); opacity: 0; }
  to { transform: scale(1); opacity: 1; }
}

/* ==========================================================================
   5. CARRIERS & PARTNERSHIPS
   ========================================================================== */
.carrier-search-bar {
  display: flex;
  gap: 1.5rem;
  margin-bottom: 4rem;
  max-width: 800px;
  margin-left: auto;
  margin-right: auto;
}

.carrier-search-input-wrapper {
  position: relative;
  flex: 1;
}

.carrier-search-input-wrapper i {
  position: absolute;
  left: 1.2rem;
  top: 50%;
  transform: translateY(-50%);
  color: var(--text-muted);
}

.carrier-search-input-wrapper input {
  padding-left: 3rem;
}

.carrier-filter-select {
  width: 220px;
}

@media (max-width: 576px) {
  .carrier-search-bar {
    flex-direction: column;
    gap: 1rem;
  }
  .carrier-filter-select {
    width: 100%;
  }
}

.carrier-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
}

.carrier-card {
  background-color: var(--bg-dark);
  border: 1px solid rgba(255, 255, 255, 0.03);
  border-radius: var(--border-radius-md);
  padding: 2.5rem;
  text-align: center;
  transition: var(--transition-smooth);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
}

.carrier-card:hover {
  border-color: rgba(200, 164, 77, 0.25);
  box-shadow: var(--shadow-gold);
  transform: translateY(-5px);
}

.carrier-logo-placeholder {
  width: 70px;
  height: 70px;
  border-radius: 50%;
  background: linear-gradient(135deg, rgba(200, 164, 77, 0.15), rgba(200,164,77,0.02));
  border: 1px solid rgba(200, 164, 77, 0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-serif);
  font-weight: 700;
  font-size: 1.8rem;
  color: var(--gold);
  margin-bottom: 1.5rem;
  box-shadow: inset 0 0 10px rgba(200, 164, 77, 0.1);
  transition: var(--transition-fast);
}

.carrier-card:hover .carrier-logo-placeholder {
  background: var(--gold);
  color: var(--text-dark);
  box-shadow: 0 0 15px rgba(200, 164, 77, 0.4);
}

.carrier-name {
  font-family: var(--font-title);
  font-size: 1.15rem;
  font-weight: 600;
  margin-bottom: 0.6rem;
}

.carrier-tag {
  font-size: 0.7rem;
  text-transform: uppercase;
  color: var(--gold);
  letter-spacing: 0.15em;
  background-color: rgba(200, 164, 77, 0.08);
  padding: 0.3rem 0.8rem;
  border-radius: 12px;
  border: 1px solid rgba(200, 164, 77, 0.15);
}

@media (max-width: 991px) {
  .carrier-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 768px) {
  .carrier-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 480px) {
  .carrier-grid {
    grid-template-columns: 1fr;
  }
}

/* ==========================================================================
   6. RESOURCE HUB / INSIGHTS
   ========================================================================== */
.resources-tags {
  display: flex;
  justify-content: center;
  gap: 1rem;
  margin-bottom: 3.5rem;
  flex-wrap: wrap;
}

.tag-btn {
  background-color: transparent;
  border: 1px solid rgba(255, 255, 255, 0.15);
  color: var(--text-muted);
  padding: 0.6rem 1.4rem;
  font-family: var(--font-title);
  font-size: 0.8rem;
  font-weight: 500;
  border-radius: 30px;
  cursor: pointer;
  transition: var(--transition-fast);
}

.tag-btn:hover {
  border-color: var(--gold);
  color: var(--text-light);
}

.tag-btn.active {
  background-color: var(--gold);
  border-color: var(--gold);
  color: var(--text-dark);
  font-weight: 600;
  box-shadow: 0 5px 15px rgba(200, 164, 77, 0.2);
}

.resources-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2.5rem;
}

.resource-card {
  background-color: var(--bg-dark);
  border: 1px solid rgba(255, 255, 255, 0.03);
  border-radius: var(--border-radius-md);
  overflow: hidden;
  transition: var(--transition-smooth);
  display: flex;
  flex-direction: column;
}

.resource-card:hover {
  transform: translateY(-8px);
  border-color: rgba(200, 164, 77, 0.2);
  box-shadow: var(--shadow-gold);
}

.resource-card-img-placeholder {
  height: 200px;
  background: linear-gradient(135deg, #1f1f1f 0%, #121212 100%);
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 3rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
}

.resource-card-img-placeholder::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: radial-gradient(circle, var(--gold-glow) 0%, rgba(0,0,0,0) 80%);
}

.resource-card-content {
  padding: 2.2rem;
  display: flex;
  flex-direction: column;
  flex: 1;
  justify-content: space-between;
}

.resource-meta {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: var(--text-muted);
  margin-bottom: 1rem;
}

.resource-category {
  color: var(--gold);
  text-transform: uppercase;
  font-weight: 600;
  letter-spacing: 0.1em;
}

.resource-card-title {
  font-size: 1.25rem;
  line-height: 1.3;
  margin-bottom: 1rem;
}

.resource-card:hover .resource-card-title {
  color: var(--gold);
}

.resource-card-desc {
  color: var(--text-muted);
  font-size: 0.9rem;
  font-weight: 300;
  margin-bottom: 2rem;
  display: -webkit-box;
  -webkit-line-clamp: 3;
  -webkit-box-orient: vertical;
  overflow: hidden;
}

@media (max-width: 991px) {
  .resources-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .resources-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }
}

/* MODAL READ VIEW & MODAL QUIZ */
.read-modal {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background-color: rgba(13, 13, 13, 0.95);
  z-index: 1000;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 2rem;
}

.read-modal.active {
  display: flex;
}

.read-modal-card {
  background-color: var(--bg-dark);
  border: 1px solid rgba(200, 164, 77, 0.3);
  border-radius: var(--border-radius-lg);
  max-width: 800px;
  width: 100%;
  max-height: 90vh;
  overflow-y: auto;
  box-shadow: var(--shadow-premium);
  position: relative;
  animation: modalEnter 0.5s forwards cubic-bezier(0.16, 1, 0.3, 1);
}

@keyframes modalEnter {
  from { transform: scale(0.9); opacity: 0; }
  to { transform: scale(1); opacity: 1; }
}

.read-modal-header {
  padding: 3rem 3rem 2rem 3rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
}

.read-modal-meta {
  color: var(--gold);
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-weight: 600;
  margin-bottom: 1rem;
}

.read-modal-title {
  font-size: 2.2rem;
  line-height: 1.25;
}

.read-modal-close {
  position: absolute;
  top: 1.5rem;
  right: 1.5rem;
  background: none;
  border: none;
  color: var(--text-muted);
  font-size: 1.5rem;
  cursor: pointer;
  transition: var(--transition-fast);
}

.read-modal-close:hover {
  color: var(--text-light);
}

.read-modal-body {
  padding: 3rem;
  color: var(--text-muted);
  font-size: 1.05rem;
  line-height: 1.7;
}

.read-modal-body p {
  margin-bottom: 1.5rem;
}

.read-modal-body h3 {
  color: var(--text-light);
  margin: 2.5rem 0 1.2rem 0;
  font-size: 1.4rem;
}

.read-modal-body ul {
  margin-bottom: 1.5rem;
  padding-left: 1.5rem;
}

.read-modal-body li {
  margin-bottom: 0.5rem;
}

@media (max-width: 768px) {
  .read-modal {
    padding: 1rem;
  }
  .read-modal-header, .read-modal-body {
    padding: 1.8rem;
  }
  .read-modal-title {
    font-size: 1.6rem;
  }
}

/* ==========================================================================
   7. TESTIMONIAL SLIDER
   ========================================================================== */
.testimonial-section {
  overflow: hidden;
}

.slider-wrapper {
  max-width: 900px;
  margin: 0 auto;
  position: relative;
}

.slider-track {
  display: flex;
  transition: transform 0.6s cubic-bezier(0.16, 1, 0.3, 1);
}

.slide {
  min-width: 100%;
  padding: 0 1rem;
  box-sizing: border-box;
}

.testimonial-card {
  background-color: var(--bg-dark);
  border: 1px solid rgba(255, 255, 255, 0.03);
  border-radius: var(--border-radius-lg);
  padding: 4rem;
  position: relative;
  box-shadow: var(--shadow-premium);
}

.testimonial-quote {
  font-family: var(--font-serif);
  font-size: 1.6rem;
  line-height: 1.5;
  color: var(--text-light);
  margin-bottom: 2.5rem;
  position: relative;
  z-index: 2;
  font-style: italic;
}

.testimonial-quote::before {
  content: '“';
  font-family: var(--font-serif);
  font-size: 6rem;
  position: absolute;
  top: -2.5rem;
  left: -2rem;
  color: rgba(200, 164, 77, 0.08);
  z-index: 1;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 1.5rem;
}

.author-img-placeholder {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  border: 2px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-title);
  font-weight: 700;
  font-size: 1.3rem;
  color: var(--text-dark);
  box-shadow: 0 0 15px var(--gold-glow);
}

.author-info-name {
  font-family: var(--font-title);
  font-weight: 600;
  font-size: 1.1rem;
  color: var(--text-light);
}

.author-info-title {
  font-size: 0.85rem;
  color: var(--gold);
}

.slider-controls {
  display: flex;
  justify-content: center;
  gap: 1rem;
  margin-top: 3rem;
}

.slider-btn {
  width: 50px;
  height: 50px;
  border-radius: 50%;
  background-color: var(--bg-dark);
  border: 1px solid rgba(255, 255, 255, 0.1);
  color: var(--text-light);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: var(--transition-fast);
}

.slider-btn:hover {
  border-color: var(--gold);
  color: var(--gold);
  background-color: rgba(200, 164, 77, 0.05);
}

@media (max-width: 768px) {
  .testimonial-card {
    padding: 2.2rem 1.8rem;
  }
  .testimonial-quote {
    font-size: 1.2rem;
  }
}

/* ==========================================================================
   8. FAQ ACCORDION
   ========================================================================== */
.faq-container {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 1.2rem;
}

.faq-item {
  background-color: var(--bg-dark);
  border: 1px solid rgba(255, 255, 255, 0.03);
  border-radius: var(--border-radius-md);
  overflow: hidden;
  transition: var(--transition-smooth);
}

.faq-item:hover {
  border-color: rgba(200, 164, 77, 0.15);
}

.faq-question-bar {
  padding: 1.8rem 2.2rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  user-select: none;
}

.faq-question {
  font-family: var(--font-title);
  font-weight: 600;
  font-size: 1.1rem;
  transition: var(--transition-fast);
}

.faq-item.active .faq-question {
  color: var(--gold);
}

.faq-icon {
  font-size: 1rem;
  color: var(--gold);
  transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
}

.faq-answer-panel {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s cubic-bezier(0.16, 1, 0.3, 1);
  background-color: rgba(0, 0, 0, 0.15);
}

.faq-answer-content {
  padding: 0 2.2rem 2.2rem 2.2rem;
  color: var(--text-muted);
  font-size: 0.95rem;
  font-weight: 300;
}

/* ==========================================================================
   9. CONTACT PAGE & CUSTOM CALENDAR MEETING SCHEDULER
   ========================================================================== */
.contact-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 4rem;
}

@media (max-width: 991px) {
  .contact-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
}

.contact-info {
  display: flex;
  flex-direction: column;
  gap: 3rem;
}

.contact-details {
  display: flex;
  flex-direction: column;
  gap: 2rem;
}

.contact-detail-item {
  display: flex;
  gap: 1.5rem;
}

.contact-detail-icon {
  width: 50px;
  height: 50px;
  border-radius: var(--border-radius-sm);
  background-color: rgba(200, 164, 77, 0.08);
  border: 1px solid rgba(200, 164, 77, 0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 1.3rem;
}

.contact-detail-title {
  font-family: var(--font-title);
  font-weight: 600;
  font-size: 1rem;
  margin-bottom: 0.3rem;
}

.contact-detail-desc {
  color: var(--text-muted);
  font-size: 0.9rem;
  font-weight: 300;
}

.contact-form-card {
  background-color: var(--bg-dark);
  border: 1px solid rgba(255, 255, 255, 0.03);
  border-radius: var(--border-radius-lg);
  padding: 3.5rem;
  box-shadow: var(--shadow-premium);
}

@media (max-width: 768px) {
  .contact-form-card {
    padding: 2rem 1.5rem;
  }
}

/* PREMIUM CALENDAR SCHEDULER MODULE */
.scheduler-container {
  border: 1px solid rgba(255, 255, 255, 0.05);
  border-radius: var(--border-radius-md);
  overflow: hidden;
  background-color: var(--bg-darker);
}

.scheduler-header {
  background-color: rgba(255, 255, 255, 0.02);
  padding: 1.5rem 2rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.scheduler-title {
  font-family: var(--font-title);
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--gold);
}

.scheduler-controls-month {
  display: flex;
  align-items: center;
  gap: 1.2rem;
}

.scheduler-month-btn {
  background: none;
  border: none;
  color: var(--text-muted);
  font-size: 1rem;
  cursor: pointer;
  transition: var(--transition-fast);
}

.scheduler-month-btn:hover {
  color: var(--text-light);
}

.scheduler-month-label {
  font-family: var(--font-title);
  font-weight: 700;
  font-size: 0.95rem;
}

.scheduler-body {
  padding: 2rem;
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 2rem;
}

@media (max-width: 768px) {
  .scheduler-body {
    grid-template-columns: 1fr;
  }
}

.calendar-grid {
  display: flex;
  flex-direction: column;
  gap: 0.8rem;
}

.calendar-weekdays {
  display: grid;
  grid-template-columns: repeat(7, 1fr);
  text-align: center;
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.calendar-days {
  display: grid;
  grid-template-columns: repeat(7, 1fr);
  gap: 0.4rem;
}

.calendar-day-cell {
  aspect-ratio: 1;
  border-radius: var(--border-radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--text-light);
  cursor: pointer;
  transition: var(--transition-fast);
  background-color: rgba(255, 255, 255, 0.01);
  border: 1px solid transparent;
}

.calendar-day-cell:hover:not(.empty):not(.disabled) {
  border-color: var(--gold);
  color: var(--gold);
}

.calendar-day-cell.selected {
  background-color: var(--gold);
  color: var(--text-dark) !important;
  font-weight: 700;
  box-shadow: 0 0 15px var(--gold-glow);
}

.calendar-day-cell.disabled {
  color: #3e3e3e;
  cursor: not-allowed;
  background-color: transparent;
}

.calendar-day-cell.empty {
  cursor: default;
  background-color: transparent;
}

.scheduler-slots-panel {
  display: flex;
  flex-direction: column;
  gap: 1.2rem;
  border-left: 1px solid rgba(255, 255, 255, 0.05);
  padding-left: 2rem;
}

@media (max-width: 768px) {
  .scheduler-slots-panel {
    border-left: none;
    border-top: 1px solid rgba(255, 255, 255, 0.05);
    padding-left: 0;
    padding-top: 2rem;
  }
}

.slots-panel-title {
  font-family: var(--font-title);
  font-weight: 600;
  font-size: 0.9rem;
  margin-bottom: 0.5rem;
}

.slots-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0.8rem;
  max-height: 250px;
  overflow-y: auto;
  padding-right: 0.5rem;
}

.slot-btn {
  background-color: rgba(255, 255, 255, 0.02);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--border-radius-sm);
  color: var(--text-light);
  padding: 0.8rem;
  font-size: 0.85rem;
  font-weight: 500;
  cursor: pointer;
  transition: var(--transition-fast);
  text-align: center;
}

.slot-btn:hover:not(.disabled) {
  border-color: var(--gold);
  color: var(--gold);
  background-color: rgba(200, 164, 77, 0.03);
}

.slot-btn.selected {
  background-color: var(--gold);
  color: var(--text-dark);
  font-weight: 600;
  border-color: var(--gold);
}

.slot-btn.disabled {
  color: #3e3e3e;
  cursor: not-allowed;
  text-decoration: line-through;
}

.booking-confirm-area {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
  margin-top: 1.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.05);
}

.booking-summary-text {
  font-size: 0.85rem;
  color: var(--text-muted);
}

.booking-summary-text span {
  color: var(--gold);
  font-weight: 600;
}

/* ==========================================================================
   10. ADVISOR BACK-OFFICE PORTAL (MODAL DASHBOARD SIMULATOR)
   ========================================================================== */
.portal-backdrop {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background-color: rgba(10, 10, 10, 0.98);
  z-index: 1000;
  display: none;
  align-items: center;
  justify-content: center;
}

.portal-backdrop.active {
  display: flex;
}

.portal-login-card {
  background-color: var(--bg-dark);
  border: 1px solid rgba(200, 164, 77, 0.25);
  border-radius: var(--border-radius-lg);
  max-width: 450px;
  width: 100%;
  padding: 4rem 3rem;
  box-shadow: var(--shadow-premium);
  position: relative;
  animation: modalEnter 0.4s forwards;
}

.portal-login-logo {
  display: flex;
  flex-direction: column;
  align-items: center;
  margin-bottom: 3rem;
}

.portal-login-logo .logo {
  font-size: 1.8rem;
  margin-bottom: 0.5rem;
}

.portal-login-tagline {
  font-size: 0.75rem;
  text-transform: uppercase;
  color: var(--text-muted);
  letter-spacing: 0.1em;
}

.portal-close-btn {
  position: absolute;
  top: 1.5rem;
  right: 1.5rem;
  background: none;
  border: none;
  color: var(--text-muted);
  font-size: 1.4rem;
  cursor: pointer;
  transition: var(--transition-fast);
}

.portal-close-btn:hover {
  color: var(--text-light);
}

/* PORTAL DASHBOARD MAIN LAYOUT */
.portal-dashboard {
  display: none;
  width: 100%;
  height: 100%;
  background-color: var(--bg-darker);
  position: fixed;
  top: 0;
  left: 0;
  z-index: 1001;
  grid-template-columns: 260px 1fr;
  animation: fadeIn 0.4s forwards;
}

.portal-dashboard.active {
  display: grid;
}

@media (max-width: 991px) {
  .portal-dashboard {
    grid-template-columns: 1fr;
  }
}

.portal-sidebar {
  background-color: var(--bg-dark);
  border-right: 1px solid rgba(255, 255, 255, 0.05);
  padding: 2rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

@media (max-width: 991px) {
  .portal-sidebar {
    display: none;
  }
}

.portal-sidebar-logo {
  margin-bottom: 4rem;
}

.portal-menu {
  display: flex;
  flex-direction: column;
  gap: 0.8rem;
  flex: 1;
}

.portal-menu-item {
  display: flex;
  align-items: center;
  gap: 1.2rem;
  color: var(--text-muted);
  padding: 0.8rem 1.2rem;
  border-radius: var(--border-radius-sm);
  font-family: var(--font-title);
  font-size: 0.9rem;
  font-weight: 500;
  cursor: pointer;
  transition: var(--transition-fast);
}

.portal-menu-item:hover, .portal-menu-item.active {
  color: var(--text-light);
  background-color: rgba(255, 255, 255, 0.03);
}

.portal-menu-item.active {
  border-left: 3px solid var(--gold);
  color: var(--gold);
}

.portal-menu-item i {
  width: 20px;
  font-size: 1.1rem;
}

.portal-sidebar-footer {
  border-top: 1px solid rgba(255, 255, 255, 0.05);
  padding-top: 1.5rem;
}

.portal-user-card {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.portal-avatar-placeholder {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background-color: var(--gold);
  color: var(--text-dark);
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
}

.portal-user-name {
  font-size: 0.85rem;
  font-weight: 600;
}

.portal-user-role {
  font-size: 0.75rem;
  color: var(--gold);
}

/* PORTAL DASHBOARD MAIN CONTAINER */
.portal-main {
  padding: 4rem;
  overflow-y: auto;
}

@media (max-width: 768px) {
  .portal-main {
    padding: 2rem 1.5rem;
  }
}

.portal-main-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 4rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
  padding-bottom: 2rem;
}

.portal-welcome h2 {
  font-size: 2.2rem;
  margin-bottom: 0.5rem;
}

.portal-welcome p {
  color: var(--text-muted);
  font-size: 0.95rem;
}

/* DASHBOARD SHEETS */
.portal-sheet {
  display: none;
}

.portal-sheet.active {
  display: block;
}

/* DASHBOARD OVERVIEW GRID */
.portal-overview-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  margin-bottom: 4rem;
}

@media (max-width: 768px) {
  .portal-overview-grid {
    grid-template-columns: 1fr;
  }
}

.portal-stat-card {
  background-color: var(--bg-dark);
  border: 1px solid rgba(255, 255, 255, 0.03);
  border-radius: var(--border-radius-md);
  padding: 2rem;
}

.portal-stat-card-title {
  font-size: 0.8rem;
  text-transform: uppercase;
  color: var(--text-muted);
  letter-spacing: 0.10em;
  margin-bottom: 1rem;
}

.portal-stat-card-val {
  font-family: var(--font-title);
  font-size: 2rem;
  font-weight: 700;
  color: var(--text-light);
  margin-bottom: 0.5rem;
}

.portal-stat-card-val span {
  color: var(--gold);
}

.portal-stat-card-trend {
  font-size: 0.75rem;
  color: #00e676;
}

/* PORTAL QUICK LINKS */
.portal-section-title {
  font-size: 1.4rem;
  margin-bottom: 1.8rem;
  border-left: 3px solid var(--gold);
  padding-left: 1rem;
}

.contracting-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2rem;
  margin-bottom: 4rem;
}

@media (max-width: 768px) {
  .contracting-grid {
    grid-template-columns: 1fr;
  }
}

.contract-portal-card {
  background-color: var(--bg-dark);
  border: 1px solid rgba(255, 255, 255, 0.03);
  border-radius: var(--border-radius-md);
  padding: 2rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.contract-portal-details {
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
}

.contract-portal-name {
  font-family: var(--font-title);
  font-weight: 600;
  font-size: 1.15rem;
}

.contract-portal-status {
  font-size: 0.75rem;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

/* PIPELINE TRACKER */
.pipeline-table-card {
  background-color: var(--bg-dark);
  border: 1px solid rgba(255, 255, 255, 0.03);
  border-radius: var(--border-radius-md);
  overflow-x: auto;
}

.pipeline-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
}

.pipeline-table th, .pipeline-table td {
  padding: 1.2rem 2rem;
  font-size: 0.9rem;
}

.pipeline-table th {
  font-family: var(--font-title);
  font-weight: 600;
  color: var(--text-muted);
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
  text-transform: uppercase;
  font-size: 0.75rem;
  letter-spacing: 0.05em;
}

.pipeline-table td {
  border-bottom: 1px solid rgba(255, 255, 255, 0.02);
}

.pipeline-table tr:last-child td {
  border-bottom: none;
}

.pipeline-status-badge {
  font-size: 0.75rem;
  font-weight: 600;
  padding: 0.3rem 0.8rem;
  border-radius: 12px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  display: inline-block;
}

.pipeline-status-badge.completed {
  background-color: rgba(0, 230, 118, 0.1);
  color: #00e676;
}

.pipeline-status-badge.pending {
  background-color: rgba(255, 152, 0, 0.1);
  color: #ff9800;
}

.pipeline-status-badge.in-progress {
  background-color: rgba(33, 150, 243, 0.1);
  color: #2196f3;
}

/* TRAINING LIST */
.training-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2rem;
}

@media (max-width: 768px) {
  .training-grid {
    grid-template-columns: 1fr;
  }
}

.training-card {
  background-color: var(--bg-dark);
  border: 1px solid rgba(255, 255, 255, 0.03);
  border-radius: var(--border-radius-md);
  padding: 2.2rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  min-height: 250px;
}

.training-card-title {
  font-family: var(--font-title);
  font-weight: 600;
  font-size: 1.15rem;
  margin-bottom: 0.8rem;
}

.training-card-desc {
  color: var(--text-muted);
  font-size: 0.85rem;
  font-weight: 300;
  margin-bottom: 2rem;
}

.training-card-footer {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.training-duration {
  font-size: 0.75rem;
  color: var(--text-muted);
}

/* PERSISTENT STICKY GET-A-QUOTE ACTION BUTTON */
.sticky-quote-float {
  position: fixed;
  bottom: 2rem;
  right: 2rem;
  z-index: 99;
  background-color: var(--gold);
  color: var(--text-dark);
  width: 60px;
  height: 60px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  box-shadow: 0 8px 25px rgba(200, 164, 77, 0.45);
  font-size: 1.4rem;
  transition: var(--transition-smooth);
  animation: bounceSticky 3s infinite;
  border: none;
}

.sticky-quote-float:hover {
  background-color: var(--gold-light);
  transform: scale(1.1) rotate(5deg);
  box-shadow: 0 10px 30px rgba(200, 164, 77, 0.6);
}

.sticky-quote-tooltip {
  position: absolute;
  right: 75px;
  background-color: var(--bg-dark);
  border: 1px solid rgba(200, 164, 77, 0.3);
  color: var(--text-light);
  padding: 0.6rem 1.2rem;
  border-radius: var(--border-radius-sm);
  font-family: var(--font-title);
  font-weight: 600;
  font-size: 0.75rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  white-space: nowrap;
  opacity: 0;
  pointer-events: none;
  transform: translateX(10px);
  transition: var(--transition-fast);
  box-shadow: var(--shadow-premium);
}

.sticky-quote-float:hover .sticky-quote-tooltip {
  opacity: 1;
  transform: translateX(0);
}

@keyframes bounceSticky {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

/* ==========================================================================
   11. FOOTER SECTION
   ========================================================================== */
footer {
  background-color: var(--bg-darker);
  border-top: 1px solid rgba(200, 164, 77, 0.1);
  padding: 6rem 0 3rem 0;
  color: var(--text-muted);
  font-size: 0.9rem;
  font-weight: 300;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr repeat(3, 0.83fr);
  gap: 4rem;
  margin-bottom: 5rem;
}

@media (max-width: 991px) {
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 3rem;
  }
}

@media (max-width: 576px) {
  .footer-grid {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }
}

.footer-brand {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.footer-brand-text {
  max-width: 320px;
}

.footer-socials {
  display: flex;
  gap: 1rem;
}

.social-link {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background-color: var(--bg-dark);
  border: 1px solid rgba(255, 255, 255, 0.05);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-muted);
  transition: var(--transition-fast);
}

.social-link:hover {
  border-color: var(--gold);
  color: var(--gold);
  box-shadow: 0 0 10px var(--gold-glow);
}

.footer-title {
  font-family: var(--font-title);
  font-weight: 600;
  font-size: 1rem;
  color: var(--text-light);
  margin-bottom: 1.8rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.footer-link a:hover {
  color: var(--gold);
  padding-left: 5px;
}

.footer-newsletter {
  display: flex;
  flex-direction: column;
  gap: 1.2rem;
}

.newsletter-form {
  display: flex;
}

.newsletter-input {
  border-top-right-radius: 0;
  border-bottom-right-radius: 0;
  border-right: none;
}

.newsletter-btn {
  border-top-left-radius: 0;
  border-bottom-left-radius: 0;
  padding: 0 1.2rem;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.05);
  padding-top: 3rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1.5rem;
  font-size: 0.8rem;
}

.footer-bottom-links {
  display: flex;
  gap: 2rem;
  flex-wrap: wrap;
}

@media (max-width: 576px) {
  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
  }
}