/* ── CSS VARIABLES ─────────────────────────────────────────── */
:root {
  --navy:       #1a2e4a;
  --navy-deep:  #0f1e30;
  --navy-mid:   #243d5c;
  --gold:       #c9a84c;
  --gold-light: #e2c97e;
  --sand:       #f5f1ea;
  --sand-dark:  #ece6da;
  --white:      #ffffff;
  --text-body:  #3a3a3a;
  --text-muted: #6b7280;
  --border:     #d6cebf;
  --ff-display: 'Playfair Display', Georgia, serif;
  --ff-serif:   'Libre Baskerville', Georgia, serif;
  --ff-sans:    'Source Sans 3', sans-serif;
  --radius:     4px;
  --shadow-sm:  0 2px 8px rgba(10,30,50,.08);
  --shadow-md:  0 8px 32px rgba(10,30,50,.14);
  --shadow-lg:  0 20px 60px rgba(10,30,50,.18);
  --transition: 0.3s ease;
}

/* ── RESET & BASE ──────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--ff-sans);
  color: var(--text-body);
  background: var(--white);
  line-height: 1.7;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

/* ── UTILITY ───────────────────────────────────────────────── */
.container { max-width: 1140px; margin: 0 auto; padding: 0 24px; }
.section-label {
  font-family: var(--ff-sans);
  font-size: .75rem;
  font-weight: 600;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
  display: block;
}
.section-title {
  font-family: var(--ff-display);
  font-size: clamp(1.75rem, 3.5vw, 2.75rem);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
}
.section-subtitle {
  font-size: 1.05rem;
  color: var(--text-muted);
  max-width: 560px;
  margin-top: 14px;
}
.divider {
  width: 56px; height: 3px;
  background: var(--gold);
  border-radius: 2px;
  margin: 16px 0 28px;
}
.btn {
  display: inline-block;
  padding: 14px 36px;
  border-radius: var(--radius);
  font-family: var(--ff-sans);
  font-weight: 600;
  font-size: .95rem;
  letter-spacing: .04em;
  cursor: pointer;
  border: none;
  transition: all var(--transition);
}
.btn-primary { background: var(--gold); color: var(--navy-deep); }
.btn-primary:hover { background: var(--gold-light); transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-outline { background: transparent; color: var(--white); border: 2px solid rgba(255,255,255,.6); }
.btn-outline:hover { border-color: var(--gold); color: var(--gold); }
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-deep); transform: translateY(-2px); box-shadow: var(--shadow-md); }

/* ── TOP BAR ───────────────────────────────────────────────── */
.topbar {
  background: var(--navy-deep);
  color: rgba(255,255,255,.75);
  font-size: .82rem;
  padding: 8px 0;
}
.topbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
}
.topbar a { color: var(--gold-light); }
.topbar a:hover { color: var(--white); }
.topbar-contact { display: flex; gap: 24px; align-items: center; }
.topbar-contact span { display: flex; align-items: center; gap: 6px; }

/* ── HEADER / NAV ──────────────────────────────────────────── */
header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: var(--shadow-sm);
}
nav { display: flex; align-items: center; justify-content: space-between; padding: 16px 24px; max-width: 1140px; margin: 0 auto; }
.nav-logo img { height: 68px; width: auto; }
.nav-links { display: flex; align-items: center; gap: 32px; }
.nav-links a {
  font-size: .9rem;
  font-weight: 600;
  color: var(--navy);
  letter-spacing: .03em;
  transition: color var(--transition);
  position: relative;
}
.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px; left: 0;
  width: 0; height: 2px;
  background: var(--gold);
  transition: width var(--transition);
}
.nav-links a:hover { color: var(--gold); }
.nav-links a:hover::after { width: 100%; }
.nav-cta { margin-left: 8px; }
.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; background: none; border: none; padding: 4px; }
.hamburger span { width: 26px; height: 2px; background: var(--navy); border-radius: 2px; transition: all .3s; display: block; }
.mobile-menu {
  display: none;
  flex-direction: column;
  background: var(--white);
  border-top: 1px solid var(--border);
  padding: 20px 24px;
  gap: 16px;
}
.mobile-menu.open { display: flex; }
.mobile-menu a { font-weight: 600; color: var(--navy); font-size: 1rem; padding: 8px 0; border-bottom: 1px solid var(--border); }

/* ── HERO ──────────────────────────────────────────────────── */
.hero {
  position: relative;
  background: var(--navy-deep);
  color: var(--white);
  overflow: hidden;
  min-height: 620px;
  display: flex;
  align-items: center;
}
.hero-bg {
  position: absolute; inset: 0;
  background:
    linear-gradient(135deg, rgba(10,20,35,.92) 0%, rgba(26,46,74,.78) 60%, rgba(15,30,48,.88) 100%),
    url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" width="800" height="600"><defs><linearGradient id="g" x1="0" y1="0" x2="1" y2="1"><stop offset="0" stop-color="%231a2e4a"/><stop offset="1" stop-color="%230a1828"/></linearGradient></defs><rect fill="url(%23g)" width="800" height="600"/><ellipse cx="600" cy="480" rx="320" ry="180" fill="%23c9a84c" opacity="0.06"/><ellipse cx="200" cy="150" rx="250" ry="130" fill="%23243d5c" opacity="0.4"/><line x1="0" y1="480" x2="800" y2="380" stroke="%23c9a84c" stroke-width="1" opacity="0.15"/><line x1="0" y1="510" x2="800" y2="420" stroke="%23c9a84c" stroke-width="1" opacity="0.09"/></svg>');
  background-size: cover;
}
.hero-wave { position: absolute; bottom: -1px; left: 0; right: 0; }
.hero .container { position: relative; z-index: 2; display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; padding-top: 60px; padding-bottom: 80px; }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(201,168,76,.15);
  border: 1px solid rgba(201,168,76,.35);
  color: var(--gold-light);
  font-size: .78rem;
  font-weight: 600;
  letter-spacing: .14em;
  text-transform: uppercase;
  padding: 7px 14px;
  border-radius: 20px;
  margin-bottom: 20px;
}
.hero-title {
  font-family: var(--ff-display);
  font-size: clamp(2rem, 4.5vw, 3.4rem);
  font-weight: 700;
  line-height: 1.15;
  margin-bottom: 22px;
  color: var(--white);
}
.hero-title em { font-style: italic; color: var(--gold-light); }
.hero-subtitle {
  font-size: 1.1rem;
  color: rgba(255,255,255,.78);
  line-height: 1.7;
  margin-bottom: 36px;
  max-width: 480px;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-card {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 12px;
  backdrop-filter: blur(8px);
  padding: 36px;
}
.hero-card h3 {
  font-family: var(--ff-display);
  font-size: 1.4rem;
  color: var(--gold-light);
  margin-bottom: 18px;
}
.hero-form-group { margin-bottom: 16px; }
.hero-form-group label {
  font-size: .8rem;
  font-weight: 600;
  color: rgba(255,255,255,.65);
  text-transform: uppercase;
  letter-spacing: .08em;
  display: block;
  margin-bottom: 6px;
}
.hero-form-group input,
.hero-form-group select {
  width: 100%;
  padding: 11px 14px;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: var(--radius);
  color: var(--white);
  font-family: var(--ff-sans);
  font-size: .95rem;
  outline: none;
  transition: border-color var(--transition);
}
.hero-form-group input::placeholder { color: rgba(255,255,255,.4); }
.hero-form-group input:focus,
.hero-form-group select:focus { border-color: var(--gold); }
.hero-form-group select option { background: var(--navy-deep); }
.hero-disclaimer {
  font-size: .75rem;
  color: rgba(255,255,255,.45);
  margin-top: 10px;
  line-height: 1.5;
}

/* ── TRUST STRIP ───────────────────────────────────────────── */
.trust-strip {
  background: var(--sand);
  border-bottom: 1px solid var(--border);
  padding: 22px 0;
}
.trust-strip .container {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .85rem;
  color: var(--navy);
  font-weight: 600;
}
.trust-icon {
  width: 32px; height: 32px;
  background: var(--navy);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.trust-icon svg { width: 16px; height: 16px; fill: var(--gold); }
.trust-divider { width: 1px; height: 32px; background: var(--border); }

/* ── WHAT IS ───────────────────────────────────────────────── */
.what-is { padding: 100px 0; background: var(--white); }
.what-is .container { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.what-is-visual { position: relative; }
.what-is-img-frame {
  background: var(--sand);
  border: 2px solid var(--border);
  border-radius: 8px;
  padding: 40px;
  text-align: center;
}
.policy-diagram { display: flex; flex-direction: column; gap: 0; }
.pd-row { display: flex; align-items: center; gap: 0; }
.pd-box {
  flex: 1;
  background: var(--navy);
  color: var(--white);
  border-radius: 6px;
  padding: 18px 14px;
  text-align: center;
}
.pd-box.gold { background: var(--gold); color: var(--navy-deep); }
.pd-box .icon { font-size: 1.8rem; margin-bottom: 6px; }
.pd-box .label { font-size: .75rem; font-weight: 600; text-transform: uppercase; letter-spacing: .1em; }
.pd-box .value { font-family: var(--ff-display); font-size: 1.3rem; margin-top: 4px; }
.pd-arrow { font-size: 1.6rem; color: var(--gold); padding: 0 10px; flex-shrink: 0; }
.pd-spacer { height: 16px; }
.vs-badge { text-align: center; margin: 14px 0; position: relative; }
.vs-badge::before {
  content: '';
  position: absolute;
  top: 50%; left: 0; right: 0;
  height: 1px;
  background: var(--border);
}
.vs-badge span {
  position: relative;
  background: var(--sand);
  padding: 0 12px;
  font-size: .75rem;
  font-weight: 700;
  color: var(--text-muted);
  letter-spacing: .1em;
  text-transform: uppercase;
}
.comparison-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 12px; }
.cg-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 14px;
  text-align: center;
}
.cg-item.highlight { border-color: var(--gold); background: rgba(201,168,76,.06); }
.cg-item .cg-label { font-size: .72rem; font-weight: 600; text-transform: uppercase; letter-spacing: .08em; color: var(--text-muted); }
.cg-item .cg-val { font-family: var(--ff-display); font-size: 1.25rem; color: var(--navy); margin-top: 4px; }
.cg-item.highlight .cg-val { color: var(--gold); }

/* ── HOW IT WORKS ──────────────────────────────────────────── */
.how-it-works { padding: 100px 0; background: var(--sand); }
.hiw-header { text-align: center; margin-bottom: 64px; }
.hiw-header .divider { margin: 16px auto 0; }
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; position: relative; }
.steps::before {
  content: '';
  position: absolute;
  top: 44px; left: 10%; right: 10%;
  height: 2px;
  background: linear-gradient(90deg, var(--navy) 0%, var(--gold) 100%);
  z-index: 0;
}
.step { text-align: center; padding: 0 16px; position: relative; z-index: 1; }
.step-num {
  width: 56px; height: 56px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-family: var(--ff-display);
  font-size: 1.3rem;
  font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
  border: 3px solid var(--sand);
  box-shadow: var(--shadow-md);
  transition: background var(--transition), transform var(--transition);
}
.step:hover .step-num { background: var(--gold); color: var(--navy-deep); transform: scale(1.08); }
.step h3 { font-family: var(--ff-display); font-size: 1.05rem; color: var(--navy); margin-bottom: 10px; }
.step p { font-size: .88rem; color: var(--text-muted); line-height: 1.6; }

/* ── WHO QUALIFIES ─────────────────────────────────────────── */
.qualifies { padding: 100px 0; background: var(--white); }
.qualifies .container { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: start; }
.qualify-list { margin-top: 8px; }
.qualify-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 22px 0;
  border-bottom: 1px solid var(--border);
}
.qualify-item:last-child { border-bottom: none; }
.qi-check {
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--navy);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
}
.qi-check svg { width: 14px; height: 14px; fill: var(--gold); }
.qi-text h4 { font-family: var(--ff-serif); font-size: 1rem; color: var(--navy); margin-bottom: 4px; }
.qi-text p { font-size: .88rem; color: var(--text-muted); }
.qualify-callout {
  background: var(--navy);
  color: var(--white);
  border-radius: 8px;
  padding: 40px;
  position: sticky;
  top: 100px;
}
.qualify-callout h3 {
  font-family: var(--ff-display);
  font-size: 1.6rem;
  color: var(--gold-light);
  margin-bottom: 16px;
}
.qualify-callout p { font-size: .95rem; color: rgba(255,255,255,.8); line-height: 1.7; margin-bottom: 16px; }
.stat-trio { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 16px; margin: 28px 0; }
.stat-box { text-align: center; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1); border-radius: 6px; padding: 18px 8px; }
.stat-box .stat-num { font-family: var(--ff-display); font-size: 1.8rem; color: var(--gold); font-weight: 700; }
.stat-box .stat-label { font-size: .72rem; text-transform: uppercase; letter-spacing: .1em; color: rgba(255,255,255,.6); margin-top: 4px; }

/* ── WHY COASTLINE ─────────────────────────────────────────── */
.why-us { padding: 100px 0; background: var(--sand); }
.why-header { text-align: center; margin-bottom: 64px; }
.why-header .divider { margin: 16px auto 0; }
.pillars { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.pillar {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 36px 30px;
  transition: box-shadow var(--transition), transform var(--transition);
}
.pillar:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.pillar-icon {
  width: 54px; height: 54px;
  background: var(--navy);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 22px;
}
.pillar-icon svg { width: 26px; height: 26px; fill: var(--gold); }
.pillar h3 { font-family: var(--ff-display); font-size: 1.15rem; color: var(--navy); margin-bottom: 12px; }
.pillar p { font-size: .9rem; color: var(--text-muted); line-height: 1.7; }

/* ── FOR ADVISORS ──────────────────────────────────────────── */
.advisors {
  padding: 100px 0;
  background: var(--navy);
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.advisors-pattern {
  position: absolute; inset: 0; opacity: .04;
  background-image: repeating-linear-gradient(45deg, var(--gold) 0, var(--gold) 1px, transparent 0, transparent 50%);
  background-size: 20px 20px;
}
.advisors .container { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; position: relative; z-index: 1; }
.advisors h2 { font-family: var(--ff-display); font-size: clamp(1.8rem, 3vw, 2.6rem); color: var(--gold-light); margin-bottom: 20px; line-height: 1.2; }
.advisors p { color: rgba(255,255,255,.82); font-size: 1.02rem; line-height: 1.75; margin-bottom: 16px; }
.advisor-benefits { margin: 28px 0; }
.ab-item { display: flex; align-items: center; gap: 14px; padding: 14px 0; border-bottom: 1px solid rgba(255,255,255,.1); }
.ab-item:last-child { border-bottom: none; }
.ab-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--gold); flex-shrink: 0; }
.ab-item span { font-size: .95rem; color: rgba(255,255,255,.85); }
.advisor-card {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(201,168,76,.25);
  border-radius: 8px;
  padding: 40px;
}
.advisor-card h3 { font-family: var(--ff-display); font-size: 1.4rem; color: var(--gold-light); margin-bottom: 22px; }
.ac-form-group { margin-bottom: 16px; }
.ac-form-group label { display: block; font-size: .78rem; font-weight: 600; text-transform: uppercase; letter-spacing: .09em; color: rgba(255,255,255,.55); margin-bottom: 6px; }
.ac-form-group input,
.ac-form-group select,
.ac-form-group textarea {
  width: 100%;
  padding: 11px 14px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.18);
  border-radius: var(--radius);
  color: var(--white);
  font-family: var(--ff-sans);
  font-size: .93rem;
  outline: none;
  transition: border-color var(--transition);
  resize: vertical;
}
.ac-form-group input::placeholder,
.ac-form-group textarea::placeholder { color: rgba(255,255,255,.35); }
.ac-form-group input:focus,
.ac-form-group select:focus,
.ac-form-group textarea:focus { border-color: var(--gold); }
.ac-form-group select option { background: var(--navy-deep); }

/* ── FAQ ───────────────────────────────────────────────────── */
.faq { padding: 100px 0; background: var(--white); }
.faq-wrap { display: grid; grid-template-columns: 1fr 2fr; gap: 80px; align-items: start; }
.faq-list { margin-top: 8px; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-q {
  width: 100%;
  background: none;
  border: none;
  text-align: left;
  padding: 20px 0;
  font-family: var(--ff-serif);
  font-size: .98rem;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.faq-q .faq-icon {
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--sand);
  border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  font-size: .85rem;
  color: var(--navy);
  transition: all var(--transition);
}
.faq-item.open .faq-q .faq-icon { background: var(--navy); color: var(--gold); border-color: var(--navy); }
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height .35s ease;
  font-size: .92rem;
  color: var(--text-muted);
  line-height: 1.7;
}
.faq-item.open .faq-a { max-height: 300px; }
.faq-a-inner { padding-bottom: 18px; }

/* ── CTA BANNER ────────────────────────────────────────────── */
.cta-banner {
  padding: 80px 0;
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy-mid) 100%);
  text-align: center;
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 280px; height: 280px;
  border-radius: 50%;
  background: rgba(201,168,76,.08);
}
.cta-banner::after {
  content: '';
  position: absolute;
  bottom: -80px; left: -60px;
  width: 320px; height: 320px;
  border-radius: 50%;
  background: rgba(201,168,76,.06);
}
.cta-banner .container { position: relative; z-index: 1; }
.cta-banner h2 { font-family: var(--ff-display); font-size: clamp(1.8rem, 3.5vw, 2.8rem); margin-bottom: 16px; }
.cta-banner p { color: rgba(255,255,255,.8); font-size: 1.05rem; max-width: 560px; margin: 0 auto 36px; }
.cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ── FOOTER ────────────────────────────────────────────────── */
footer { background: var(--navy-deep); color: rgba(255,255,255,.7); padding: 70px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; padding-bottom: 50px; border-bottom: 1px solid rgba(255,255,255,.1); }
.footer-brand img { height: 60px; margin-bottom: 18px; filter: brightness(0) invert(1); opacity: .9; }
.footer-brand p { font-size: .88rem; line-height: 1.75; color: rgba(255,255,255,.6); max-width: 280px; }
.footer-col h4 { font-family: var(--ff-sans); font-size: .78rem; font-weight: 600; text-transform: uppercase; letter-spacing: .14em; color: var(--gold); margin-bottom: 18px; }
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a { font-size: .88rem; color: rgba(255,255,255,.6); transition: color var(--transition); }
.footer-col ul li a:hover { color: var(--gold-light); }
.footer-col .contact-item { display: flex; align-items: flex-start; gap: 10px; font-size: .88rem; color: rgba(255,255,255,.65); margin-bottom: 12px; }
.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 22px 0;
  font-size: .78rem;
  color: rgba(255,255,255,.4);
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom a { color: rgba(255,255,255,.5); }
.footer-bottom a:hover { color: var(--gold-light); }
.footer-disclaimer {
  font-size: .75rem;
  color: rgba(255,255,255,.4);
  line-height: 1.6;
  padding: 20px 0;
  border-top: 1px solid rgba(255,255,255,.07);
  text-align: center;
  max-width: 900px;
  margin: 0 auto;
}

/* ── ANIMATIONS ────────────────────────────────────────────── */
@keyframes fadeUp { from { opacity: 0; transform: translateY(28px); } to { opacity: 1; transform: translateY(0); } }
.fade-up { opacity: 0; }
.fade-up.visible { animation: fadeUp .65s ease forwards; }
.delay-1 { animation-delay: .1s; }
.delay-2 { animation-delay: .2s; }
.delay-3 { animation-delay: .3s; }
.delay-4 { animation-delay: .4s; }

/* ── RESPONSIVE ────────────────────────────────────────────── */
@media (max-width: 960px) {
  .hero .container { grid-template-columns: 1fr; gap: 40px; }
  .hero-card { max-width: 500px; }
  .what-is .container,
  .qualifies .container,
  .advisors .container { grid-template-columns: 1fr; gap: 48px; }
  .steps { grid-template-columns: 1fr 1fr; gap: 40px; }
  .steps::before { display: none; }
  .pillars { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .faq-wrap { grid-template-columns: 1fr; gap: 40px; }
  nav .nav-links, nav .nav-cta { display: none; }
  .hamburger { display: flex; }
}
@media (max-width: 600px) {
  .steps { grid-template-columns: 1fr; }
  .pillars { grid-template-columns: 1fr; }
  .stat-trio { grid-template-columns: 1fr; gap: 10px; }
  .footer-grid { grid-template-columns: 1fr; }
  .trust-divider { display: none; }
  .hero-actions { flex-direction: column; }
  .cta-actions { flex-direction: column; align-items: center; }
}

/* ── THANK-YOU MODAL ───────────────────────────────────────── */
#clp-thankyou-overlay {
  display: none;
  position: fixed; inset: 0; z-index: 10000;
  background: rgba(10,20,35,.72);
  backdrop-filter: blur(4px);
  align-items: center; justify-content: center;
}
#clp-thankyou-overlay.visible { display: flex; }
.clp-thankyou-box {
  background: var(--white);
  border-radius: 12px;
  padding: 48px 44px 44px;
  max-width: 520px; width: calc(100% - 40px);
  text-align: center;
  position: relative;
  box-shadow: var(--shadow-lg);
  animation: fadeUp .35s ease;
}
.clp-thankyou-icon {
  width: 68px; height: 68px; border-radius: 50%;
  background: var(--navy);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 22px;
}
.clp-thankyou-icon svg { width: 32px; height: 32px; fill: var(--gold); }
.clp-thankyou-box h2 {
  font-family: var(--ff-display);
  font-size: 1.7rem;
  color: var(--navy);
  margin-bottom: 14px;
}
.clp-thankyou-box p {
  font-size: .97rem;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 28px;
}
.clp-thankyou-close {
  background: var(--gold);
  color: var(--navy-deep);
  border: none;
  border-radius: var(--radius);
  padding: 13px 36px;
  font-family: var(--ff-sans);
  font-size: .95rem;
  font-weight: 600;
  cursor: pointer;
  transition: background var(--transition), transform var(--transition);
}
.clp-thankyou-close:hover { background: var(--gold-light); transform: translateY(-2px); }
.clp-thankyou-x {
  position: absolute; top: 16px; right: 18px;
  background: none; border: none; cursor: pointer;
  font-size: 1.4rem; color: var(--text-muted); line-height: 1;
  padding: 4px 8px;
  transition: color var(--transition);
}
.clp-thankyou-x:hover { color: var(--navy); }

/* ── CHAT WIDGET ───────────────────────────────────────────── */
#clp-launcher {
  position: fixed; bottom: 28px; right: 28px; z-index: 9999;
  width: 60px; height: 60px; border-radius: 50%;
  background: linear-gradient(135deg, #1a7a8c, #0d2d4a);
  border: none; cursor: pointer;
  box-shadow: 0 4px 20px rgba(26,122,140,.45);
  display: flex; align-items: center; justify-content: center;
  transition: transform .2s, box-shadow .2s;
}
#clp-launcher:hover { transform: scale(1.08); box-shadow: 0 6px 28px rgba(26,122,140,.6); }
#clp-launcher svg { width: 28px; height: 28px; fill: #fff; }
.clp-chat-icon  { display: flex !important; }
.clp-close-icon { display: none  !important; }
#clp-launcher.is-open .clp-chat-icon  { display: none  !important; }
#clp-launcher.is-open .clp-close-icon { display: flex  !important; }
#clp-widget {
  position: fixed; bottom: 102px; right: 28px; z-index: 9998;
  width: 370px; max-width: calc(100vw - 40px);
  height: 540px; max-height: calc(100vh - 140px);
  background: #fff; border-radius: 14px;
  box-shadow: 0 8px 40px rgba(13,45,74,.22);
  display: flex; flex-direction: column; overflow: hidden;
  transform: translateY(20px) scale(.97);
  opacity: 0; pointer-events: none;
  transition: transform .25s cubic-bezier(.34,1.56,.64,1), opacity .2s;
}
#clp-widget.open { transform: translateY(0) scale(1); opacity: 1; pointer-events: all; }
.clp-header {
  background: linear-gradient(135deg, #0d2d4a 0%, #1a7a8c 100%);
  padding: 16px 18px 14px;
  display: flex; align-items: center; gap: 12px; flex-shrink: 0;
}
.clp-avatar {
  width: 42px; height: 42px; border-radius: 50%;
  background: rgba(255,255,255,.15); border: 2px solid rgba(255,255,255,.35);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.clp-avatar svg { width: 22px; height: 22px; fill: #fff; }
.clp-header-info { flex: 1; }
.clp-header-name { color: #fff; font-size: 15px; font-weight: 600; }
.clp-header-sub { color: rgba(255,255,255,.72); font-size: 11.5px; display: flex; align-items: center; gap: 5px; margin-top: 2px; }
.clp-dot { width: 7px; height: 7px; border-radius: 50%; background: #5aef9a; flex-shrink: 0; }
.clp-messages {
  flex: 1; overflow-y: auto; padding: 18px 16px 10px;
  display: flex; flex-direction: column; gap: 12px; scroll-behavior: smooth;
}
.clp-messages::-webkit-scrollbar { width: 4px; }
.clp-messages::-webkit-scrollbar-thumb { background: #c7dde5; border-radius: 4px; }
.clp-msg { display: flex; gap: 8px; align-items: flex-end; max-width: 88%; }
.clp-msg.user { flex-direction: row-reverse; align-self: flex-end; }
.clp-msg.bot  { align-self: flex-start; }
.clp-bubble { padding: 10px 14px; border-radius: 16px; font-size: 13.5px; line-height: 1.55; font-family: var(--ff-sans); }
.clp-msg.user .clp-bubble { background: linear-gradient(135deg, #1a7a8c, #3ab0c8); color: #fff; border-bottom-right-radius: 4px; }
.clp-msg.bot  .clp-bubble { background: #eaf4f7; color: #1a2b38; border: 1px solid #c7dde5; border-bottom-left-radius: 4px; }
.clp-bot-icon { width: 26px; height: 26px; border-radius: 50%; background: #0d2d4a; flex-shrink: 0; display: flex; align-items: center; justify-content: center; margin-bottom: 2px; }
.clp-bot-icon svg { width: 14px; height: 14px; fill: #3ab0c8; }
.clp-quick-wrap { padding: 4px 16px 8px; display: flex; flex-wrap: wrap; gap: 6px; }
.clp-quick { padding: 5px 11px; border-radius: 20px; font-size: 12px; border: 1.5px solid #1a7a8c; color: #1a7a8c; background: transparent; cursor: pointer; transition: background .15s, color .15s; white-space: nowrap; font-family: var(--ff-sans); }
.clp-quick:hover { background: #1a7a8c; color: #fff; }
.clp-typing { display: flex; gap: 4px; align-items: center; padding: 10px 14px; }
.clp-typing span { width: 7px; height: 7px; border-radius: 50%; background: #5e7d8e; display: inline-block; animation: clp-bounce .9s infinite; }
.clp-typing span:nth-child(2) { animation-delay: .18s; }
.clp-typing span:nth-child(3) { animation-delay: .36s; }
@keyframes clp-bounce { 0%,60%,100% { transform: translateY(0); } 30% { transform: translateY(-6px); } }
.clp-input-wrap { border-top: 1px solid #c7dde5; padding: 12px 14px; display: flex; gap: 8px; align-items: flex-end; background: #fff; flex-shrink: 0; }
#clp-input { flex: 1; resize: none; border: 1.5px solid #c7dde5; border-radius: 10px; padding: 9px 12px; font-size: 13.5px; font-family: var(--ff-sans); color: #1a2b38; line-height: 1.4; outline: none; max-height: 100px; min-height: 40px; transition: border-color .2s; }
#clp-input:focus { border-color: #1a7a8c; }
#clp-input::placeholder { color: #5e7d8e; }
#clp-send { width: 38px; height: 38px; border-radius: 50%; flex-shrink: 0; background: linear-gradient(135deg, #1a7a8c, #0d2d4a); border: none; cursor: pointer; display: flex; align-items: center; justify-content: center; transition: transform .15s, opacity .15s; }
#clp-send:hover { transform: scale(1.08); }
#clp-send:disabled { opacity: .4; cursor: default; transform: none; }
#clp-send svg { width: 16px; height: 16px; fill: #fff; }
.clp-footer { padding: 6px 16px 10px; text-align: center; font-size: 10.5px; color: #5e7d8e; background: #fff; }
.clp-footer a { color: #1a7a8c; text-decoration: none; }