/* ── RESET & BASE ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'DM Sans', sans-serif; background: #f0f2f9; color: #1a1f3a; line-height: 1.6; }

/* ── TOKENS ── */
:root {
  --indigo:      #2d388a;
  --indigo-dark: #1e2660;
  --deep-indigo: #141b4d;
  --indigo-mid:  #3d4a9e;
  --cyan:        #00aeef;
  --cyan-dark:   #0090cc;
  --canvas:      #f0f2f9;
  --border:      #d4d9ee;
  --text:        #1a1f3a;
  --muted:       #5a6490;
  --white:       #ffffff;
  --hero-gradient: linear-gradient(135deg, #0d1240 0%, #141b4d 20%, #1e2660 45%, #2d388a 75%, #1a2d7a 100%);
}

/* ── CANONICAL SITE NAV v1.0 (April 2026) ── */
.navbar {
  background: var(--hero-gradient);
  position: sticky;
  top: 0;
  z-index: 1000;
  transition: background 0.3s, box-shadow 0.3s, padding 0.3s;
  width: 100%;
}
.navbar.scrolled {
  background: rgba(20, 27, 77, 0.97);
  box-shadow: 0 2px 20px rgba(0, 0, 0, 0.15);
  backdrop-filter: blur(8px);
}
.nav-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px 0 16px;
  height: 80px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.nav-logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
  text-decoration: none;
}
.nav-logo svg { height: 80px; width: auto; display: block; }

/* Logo hover — circle + boat get a blue wash, while text stays white */
.nav-logo .logo-circle,
.nav-logo .logo-boat {
  transition: fill 0.45s ease, filter 0.45s ease;
}
.nav-logo:hover .logo-circle,
.nav-logo:focus-visible .logo-circle,
.nav-logo:hover .logo-boat,
.nav-logo:focus-visible .logo-boat {
  fill: #00aeef;
  filter: drop-shadow(0 0 6px rgba(0,174,239,0.55));
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 2px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav-links li a {
  color: rgba(255, 255, 255, 0.88);
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  font-weight: 500;
  padding: 7px 13px;
  border-radius: 6px;
  transition: color 0.2s, background 0.2s;
  white-space: nowrap;
  text-decoration: none;
  letter-spacing: 0.01em;
}
.nav-links li a:hover { color: #fff; background: rgba(255, 255, 255, 0.08); }
.nav-links li a.active { color: var(--cyan); }
.nav-portal-btn {
  color: var(--cyan) !important;
  border: 1.5px solid var(--cyan) !important;
  border-radius: 6px;
  padding: 6px 16px !important;
  margin-left: 8px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: background 0.25s ease, color 0.25s ease, border-color 0.25s ease, box-shadow 0.25s ease;
}
.nav-portal-btn:hover {
  background: rgba(184, 128, 74, 0.14) !important;
  color: #b8804a !important;
  border-color: #b8804a !important;
  box-shadow: 0 0 0 1px rgba(184,128,74,0.25);
}

/* FWJ client log-in button (hero) — bronze wash on hover */
.btn-fwj-login {
  transition: background 0.25s ease, color 0.25s ease, border-color 0.25s ease, box-shadow 0.25s ease !important;
}
.btn-fwj-login:hover {
  background: rgba(184,128,74,0.14) !important;
  color: #b8804a !important;
  border-color: #b8804a !important;
  box-shadow: 0 0 0 1px rgba(184,128,74,0.25);
}
.btn-fwj-login sup {
  font-size: 0.58em;
  font-weight: 600;
  margin-left: -0.7em;
  position: relative;
  top: -0.85em;
  vertical-align: baseline;
  line-height: 0;
  letter-spacing: 0;
}
.nav-portal-btn svg { width: 11px; height: 11px; }
.nav-hamburger {
  display: none;
  background: transparent;
  border: none;
  color: #fff;
  cursor: pointer;
  padding: 8px;
  border-radius: 6px;
  transition: background 0.2s;
}
.nav-hamburger:hover { background: rgba(255, 255, 255, 0.08); }
.nav-hamburger svg { width: 24px; height: 24px; display: block; }
.nav-drawer {
  display: none;
  position: fixed;
  top: 80px;
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--deep-indigo);
  padding: 24px;
  overflow-y: auto;
  z-index: 999;
}
.nav-drawer.open { display: block; }
.nav-drawer ul {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.nav-drawer ul li a {
  display: block;
  color: rgba(255, 255, 255, 0.88);
  font-family: 'DM Sans', sans-serif;
  font-size: 16px;
  font-weight: 500;
  padding: 14px 16px;
  border-radius: 8px;
  text-decoration: none;
  transition: background 0.2s, color 0.2s;
}
.nav-drawer ul li a:hover { background: rgba(255, 255, 255, 0.08); color: #fff; }
.nav-drawer ul li a.active { color: var(--cyan); }
.nav-drawer ul li a.nav-portal-btn {
  margin-top: 12px;
  text-align: center;
}
@media (max-width: 820px) {
  .nav-links { display: none; }
  .nav-hamburger { display: inline-flex; align-items: center; justify-content: center; }
  .nav-inner { padding: 0 20px 0 12px; height: 72px; }
  .nav-logo svg { height: 62px; }
  .nav-drawer { top: 72px; }
}
body.nav-drawer-open { overflow: hidden; }

/* ── NAV DROPDOWN (submenu) ── */
.nav-item-has-sub { position: relative; }

.nav-item-has-sub > a {
  display: inline-flex;
  align-items: center;
  gap: 5px;
}
.nav-caret {
  width: 10px;
  height: 10px;
  transition: transform 0.25s ease;
  flex-shrink: 0;
  opacity: 0.7;
}
.nav-item-has-sub:hover > a .nav-caret,
.nav-item-has-sub:focus-within > a .nav-caret {
  transform: rotate(180deg);
  opacity: 1;
}

.nav-submenu {
  position: absolute;
  top: calc(100% - 4px);
  /*left: 50%;*/
  left: 100px;
  transform: translateX(-50%) translateY(6px);
  min-width: 200px;
  background: rgba(20, 27, 77, 0.98);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 0px;
  padding: 1px;
  list-style: none;
  margin: 0;
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.25);
  backdrop-filter: blur(10px);
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: opacity 0.22s ease, transform 0.22s ease, visibility 0.22s;
  z-index: 1001;
}
.nav-submenu::before {
  /* invisible hover bridge so the menu doesn't close in the gap */
  content: '';
  position: absolute;
  top: -10px;
  left: 0;
  right: 0;
  height: 10px;
}
.nav-item-has-sub:hover > .nav-submenu,
.nav-item-has-sub:focus-within > .nav-submenu {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}

.nav-submenu li { margin: 0; }
.nav-submenu li a {
  display: block;
  padding: 10px 14px;
  font-size: 13.5px;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.82);
  border-radius: 0px !important;
  white-space: nowrap;
  text-decoration: none;
  transition: background 0.2s, color 0.2s;
  letter-spacing: 0.01em;
}
.nav-submenu li a:hover {
  background: rgba(0, 174, 239, 0.1);
  color: var(--cyan);
}

/* Mobile drawer submenu — render inline, indented */
.nav-drawer .nav-submenu {
  position: static;
  transform: none;
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  background: transparent;
  border: none;
  box-shadow: none;
  backdrop-filter: none;
  padding: 4px 0 4px 16px;
  margin-top: 4px;
  border-left: 2px solid rgba(0, 174, 239, 0.3);
  min-width: 0;
}
.nav-drawer .nav-submenu::before { display: none; }
.nav-drawer .nav-submenu li a {
  padding: 12px 16px;             /* closer to parent's 14px */
  font-size: 14.5px;
  font-weight: 400;               /* lighter than parent's 500 */
  color: rgba(255, 255, 255, 0.7);
}
.nav-drawer .nav-submenu li a:hover {
  background: rgba(0, 174, 239, 0.08);
  color: #fff;
}
.nav-drawer .nav-submenu li a.active {
  color: var(--cyan);
  background: rgba(0, 174, 239, 0.06);
}
.nav-drawer .nav-caret { display: none; }

/* ── SHARED BUTTON STYLES ── */
.btn-primary {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--cyan); color: white; padding: 13px 26px; border-radius: 8px;
  font-size: 14px; font-weight: 700; font-family: inherit; border: none; cursor: pointer;
  text-decoration: none; transition: all 0.2s; white-space: nowrap;
}
.btn-primary:hover { background: var(--cyan-dark); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(0,174,239,0.3); }
.btn-ghost-light {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent; color: rgba(255,255,255,0.75); padding: 12px 22px; border-radius: 8px;
  font-size: 14px; font-weight: 500; font-family: inherit;
  border: 1.5px solid rgba(255,255,255,0.22); cursor: pointer; text-decoration: none; transition: all 0.2s;
}
.btn-ghost-light:hover { border-color: var(--cyan); color: white; background: var(--cyan); }
.btn-ghost-dark {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent; color: var(--indigo); padding: 12px 22px; border-radius: 8px;
  font-size: 14px; font-weight: 600; font-family: inherit;
  border: 1.5px solid var(--border); cursor: pointer; text-decoration: none; transition: all 0.2s;
}
.btn-ghost-dark:hover { border-color: var(--indigo); background: rgba(45,56,138,0.05); }
.btn-indigo {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--indigo); color: white; padding: 13px 26px; border-radius: 8px;
  font-size: 14px; font-weight: 700; font-family: inherit; border: none; cursor: pointer;
  text-decoration: none; transition: all 0.2s;
}
.btn-indigo:hover { background: var(--indigo-dark); transform: translateY(-1px); }

/* ── SECTION LABELS ── */
.section-eyebrow {
  display: inline-flex; align-items: center; gap: 10px; margin-bottom: 16px;
}
.eyebrow-line { width: 28px; height: 2px; background: var(--cyan); flex-shrink: 0; }
.eyebrow-text { font-size: 11px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--cyan); }

/* ── SVG ARROW ── */
.arr { width: 15px; height: 15px; flex-shrink: 0; }

/* ═══════════════════════════════════════════════
   SECTION 1 , HERO
═══════════════════════════════════════════════ */
.home-hero {
  position: relative; min-height: 600px;
  background: var(--hero-gradient);
  display: flex; align-items: center;
  overflow: hidden; padding-top: 40px;
}
.home-hero::before {
  content: ''; position: absolute; top: -80px; right: 60px;
  width: 700px; height: 700px;
  background: radial-gradient(circle, rgba(0,174,239,0.06) 0%, transparent 60%);
  pointer-events: none;
}
.home-hero::after {
  content: ''; position: absolute; bottom: -100px; left: 40px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(45,56,138,0.4) 0%, transparent 70%);
  pointer-events: none;
}
/* subtle grid overlay */
.hero-grid {
  position: absolute; inset: 0; pointer-events: none; opacity: 0.03;
  background-image: linear-gradient(rgba(255,255,255,1) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,1) 1px, transparent 1px);
  background-size: 60px 60px;
}
.home-hero .hero-inner {
  position: relative; z-index: 2;
  width: 100%; max-width: 1280px; margin: 0 auto;
  padding: 64px 40px 80px;
  display: grid; grid-template-columns: 1fr auto; gap: 64px; align-items: center;
}
.hero-eyebrow { display: flex; align-items: center; gap: 12px; margin-bottom: 26px; }
.hero-eyebrow .eyebrow-line { width: 32px; height: 2px; background: var(--cyan); }
.hero-eyebrow .eyebrow-text { font-size: 11px; font-weight: 700; letter-spacing: 0.15em; text-transform: uppercase; color: var(--cyan); }

.hero-headline {
  font-family: 'Playfair Display', serif;
  font-size: clamp(34px, 3.8vw, 54px);
  line-height: 1.12; color: white; margin-bottom: 24px;
}
.hero-headline em { font-style: italic; font-weight: 400; color: rgba(255,255,255,0.85); display: block; }
.hero-headline strong { font-weight: 700; }
.hero-headline .hl-cyan { color: var(--cyan); font-style: italic; }

.hero-sub {
  font-size: 15.5px; font-weight: 400; line-height: 1.72;
  color: rgba(255,255,255,0.58); max-width: 520px; margin-bottom: 36px;
}

.hero-ctas { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; margin-bottom: 12px; }
.watch-link {
  display: inline-flex; align-items: center; gap: 7px;
  color: rgba(255,255,255,0.45); font-size: 13px; font-weight: 500;
  text-decoration: none; transition: color 0.2s; margin-top: 6px;
}
.watch-link:hover { color: rgba(255,255,255,0.75); }
.watch-link svg { width: 15px; height: 15px; }

/* Stats strip */
.hero-stats {
  display: flex; align-items: center; gap: 0;
  margin-top: 44px; padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.stat-item { flex: 1; }
.stat-item + .stat-item { border-left: 1px solid rgba(255,255,255,0.1); padding-left: 28px; margin-left: 0; }
.stat-num {
  font-family: 'Playfair Display', serif; font-size: 34px; font-weight: 700;
  color: white; line-height: 1; margin-bottom: 6px;
}
.stat-num span { color: var(--cyan); }
.stat-label { font-size: 12px; font-weight: 500; color: rgba(255,255,255,0.45); letter-spacing: 0.04em; text-transform: uppercase; }

/* Hero right , visual panel */
.hero-visual {
  position: relative; display: flex; flex-direction: column; gap: 16px;
}
.hero-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 14px; padding: 22px 24px;
  backdrop-filter: blur(8px);
}
.hero-card-label {
  font-size: 10px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--cyan); margin-bottom: 10px;
}
.hero-card-value {
  font-family: 'Playfair Display', serif; font-size: 28px; font-weight: 700;
  color: white; margin-bottom: 4px;
}
.hero-card-sub { font-size: 12px; color: rgba(255,255,255,0.45); }
.hero-card-progress { height: 4px; background: rgba(255,255,255,0.1); border-radius: 2px; margin-top: 14px; overflow: hidden; }
.hero-card-progress-fill { height: 100%; background: linear-gradient(90deg, var(--cyan), #00d4ff); border-radius: 2px; }

.hero-card-row { display: flex; gap: 12px; }
.hero-metric {
  flex: 1; background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.08);
  border-radius: 10px; padding: 14px 16px;
}
.hero-metric-label { font-size: 10px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; color: rgba(255,255,255,0.4); margin-bottom: 6px; }
.hero-metric-val { font-size: 18px; font-weight: 700; color: white; font-family: 'Playfair Display', serif; }
.hero-metric-val.pos { color: #34d399; }
.hero-metric-val.neg { color: #fb7185; }
.hero-metric-chg { font-size: 11px; margin-top: 2px; }
.hero-metric-chg.up { color: #34d399; }
.hero-metric-chg.dn { color: #fb7185; }

.fwi-badge {
  position: absolute; top: -12px; right: 16px;
  background: linear-gradient(135deg, var(--indigo), var(--indigo-mid));
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 20px; padding: 5px 14px;
  font-size: 11px; font-weight: 700; color: white; letter-spacing: 0.06em;
  display: flex; align-items: center; gap: 6px;
}
.fwi-dot { width: 7px; height: 7px; background: var(--cyan); border-radius: 50%; }

/* ═══════════════════════════════════════════════
   SECTION 2 , WHAT WE DO
═══════════════════════════════════════════════ */
.services-section {
  background: var(--white); padding: 88px 0;
}
.section-inner { max-width: 1280px; margin: 0 auto; padding: 0 40px; }
.section-header { margin-bottom: 52px; }
.section-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(28px, 2.8vw, 40px);
  font-weight: 700; color: var(--text); line-height: 1.2;
}
.section-title em { font-style: italic; font-weight: 400; color: var(--muted); }
.section-sub {
  font-size: 15px; color: var(--muted); max-width: 520px; margin-top: 12px; line-height: 1.7;
}

.services-grid {
  display: grid; grid-template-columns: repeat(5, 1fr); gap: 18px;
}
.service-card {
  border: 1.5px solid var(--border); border-radius: 14px;
  padding: 28px 22px; background: var(--white);
  display: flex; flex-direction: column;
  transition: all 0.25s; cursor: pointer; text-decoration: none; color: inherit;
  position: relative; overflow: hidden;
}
.service-card::before {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px;
  background: var(--border); transition: background 0.25s;
}
.service-card:hover { border-color: var(--indigo); transform: translateY(-3px); box-shadow: 0 12px 32px rgba(45,56,138,0.1); }
.service-card:hover::before { background: var(--indigo); }
.service-card.featured { border-color: var(--cyan); background: linear-gradient(160deg, rgba(0,174,239,0.03) 0%, rgba(255,255,255,1) 60%); }
.service-card.featured::before { background: var(--cyan); }
.service-card.featured:hover { border-color: var(--cyan-dark); box-shadow: 0 12px 32px rgba(0,174,239,0.15); }

.service-icon {
  width: 44px; height: 44px; border-radius: 10px;
  background: var(--canvas); display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px; flex-shrink: 0;
}
.service-card.featured .service-icon { background: rgba(0,174,239,0.1); }
.service-icon svg { width: 22px; height: 22px; stroke: var(--indigo); fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.service-card.featured .service-icon svg { stroke: var(--cyan); }

.service-title {
  font-size: 15px; font-weight: 700; color: var(--text); margin-bottom: 8px; line-height: 1.3;
}
.service-desc { font-size: 13px; color: var(--muted); line-height: 1.65; flex: 1; }
.service-link {
  display: inline-flex; align-items: center; gap: 5px; margin-top: 18px;
  font-size: 12px; font-weight: 700; color: var(--indigo); text-decoration: none;
  letter-spacing: 0.03em; text-transform: uppercase;
}
.service-card.featured .service-link { color: var(--cyan); }

.service-badge {
  position: absolute; top: 14px; right: 14px;
  background: rgba(0,174,239,0.12); color: var(--cyan);
  font-size: 9px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase;
  padding: 3px 8px; border-radius: 20px; border: 1px solid rgba(0,174,239,0.2);
}

/* ═══════════════════════════════════════════════
   SECTION 3 , WHY CHARTER
═══════════════════════════════════════════════ */
.why-section {
  background: var(--canvas); padding: 88px 0; position: relative; overflow: hidden;
}
.why-section::before {
  content: ''; position: absolute; right: -100px; top: -100px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(45,56,138,0.05) 0%, transparent 70%);
  pointer-events: none;
}
.why-grid {
  display: block; max-width: 820px;
}
.why-left {}
.why-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(28px, 3vw, 42px); font-weight: 700;
  color: var(--text); line-height: 1.18; margin-bottom: 8px;
}
.why-title em { font-style: italic; font-weight: 400; color: var(--muted); display: inline; }
.why-sub {
  font-size: 16px; font-weight: 600; color: var(--indigo);
  margin-bottom: 22px; margin-top: 4px;
}
.why-body {
  font-size: 15px; color: var(--muted); line-height: 1.75; margin-bottom: 18px;
}
.why-clients {
  font-size: 14px; color: var(--muted); line-height: 1.7;
  border-left: 3px solid var(--cyan); padding-left: 18px; margin: 24px 0 32px;
  font-style: italic;
}
.why-clients strong { color: var(--text); font-style: normal; font-weight: 600; }

.why-right {
  position: relative;
}
.why-photo-frame {
  background: linear-gradient(145deg, var(--deep-indigo) 0%, var(--indigo) 100%);
  border-radius: 20px; padding: 48px 40px;
  position: relative; overflow: hidden;
}
.why-photo-frame::before {
  content: ''; position: absolute; top: -40px; right: -40px;
  width: 200px; height: 200px;
  background: radial-gradient(circle, rgba(0,174,239,0.12) 0%, transparent 70%);
}
.why-photo-frame::after {
  content: ''; position: absolute; bottom: -30px; left: -30px;
  width: 160px; height: 160px;
  background: radial-gradient(circle, rgba(255,255,255,0.04) 0%, transparent 70%);
}
.why-avatar {
  width: 80px; height: 80px; border-radius: 50%;
  background: linear-gradient(135deg, var(--cyan) 0%, var(--indigo-mid) 100%);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-size: 28px; font-weight: 700;
  color: white; margin-bottom: 20px; position: relative; z-index: 1;
  border: 3px solid rgba(255,255,255,0.15);
}
.why-name { font-size: 18px; font-weight: 700; color: white; margin-bottom: 4px; position: relative; z-index: 1; }
.why-role { font-size: 13px; color: rgba(255,255,255,0.5); margin-bottom: 24px; position: relative; z-index: 1; }
.why-divider { height: 1px; background: rgba(255,255,255,0.1); margin-bottom: 24px; position: relative; z-index: 1; }
.why-tag-row { display: flex; gap: 8px; flex-wrap: wrap; position: relative; z-index: 1; }
.why-tag {
  background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.12);
  border-radius: 20px; padding: 5px 14px;
  font-size: 12px; color: rgba(255,255,255,0.65); font-weight: 500;
}
.why-founded {
  margin-top: 18px; font-size: 12px; color: rgba(255,255,255,0.35);
  position: relative; z-index: 1; letter-spacing: 0.02em;
}

/* ═══════════════════════════════════════════════
   SECTION 4 , FINANCIAL WHOLENESS PLATFORM
═══════════════════════════════════════════════ */
.fwp-section {
  background: var(--white); padding: 88px 0; position: relative; overflow: hidden;
}
.fwp-section::before {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(0,174,239,0.02) 0%, transparent 40%);
  pointer-events: none;
}
.fwp-header { text-align: left; max-width: 100%; margin: 0 0 64px 0; }
.fwp-header .section-sub { max-width: 100%; margin-top: 8px; }
.fwp-header .section-title { margin-bottom: 14px; }
.fwp-header .section-sub { margin: 0 auto; }
.fwp-header .section-sub strong { color: var(--indigo); font-weight: 600; }

.fwp-paths { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }

.fwp-card {
  border-radius: 18px; padding: 44px 40px;
  position: relative; overflow: hidden;
  display: flex; flex-direction: column;
}
.fwp-card-individuals {
  background: var(--canvas); border: 1.5px solid var(--border);
}
.fwp-card-employers {
  background: linear-gradient(145deg, var(--deep-indigo) 0%, #1a2d7a 100%);
  border: 1.5px solid rgba(255,255,255,0.08);
}
.fwp-card::before {
  content: ''; position: absolute; top: -60px; right: -60px;
  width: 240px; height: 240px; border-radius: 50%;
}
.fwp-card-individuals::before { background: radial-gradient(circle, rgba(0,174,239,0.06) 0%, transparent 70%); }
.fwp-card-employers::before { background: radial-gradient(circle, rgba(0,174,239,0.08) 0%, transparent 70%); }

.fwp-path-label {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 5px 14px; border-radius: 20px; margin-bottom: 20px;
  font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em;
}
.fwp-card-individuals .fwp-path-label { background: rgba(45,56,138,0.08); color: var(--indigo); border: 1px solid rgba(45,56,138,0.12); }
.fwp-card-employers .fwp-path-label { background: rgba(0,174,239,0.12); color: var(--cyan); border: 1px solid rgba(0,174,239,0.2); }

.fwp-card-title {
  font-family: 'Playfair Display', serif;
  font-size: 26px; font-weight: 700; line-height: 1.2; margin-bottom: 16px;
}
.fwp-card-individuals .fwp-card-title { color: var(--text); }
.fwp-card-employers .fwp-card-title { color: white; }

.fwp-card-body {
  font-size: 14.5px; line-height: 1.72; margin-bottom: 28px;
}
.fwp-card-individuals .fwp-card-body { color: var(--muted); }
.fwp-card-employers .fwp-card-body { color: rgba(255,255,255,0.6); }

.fwp-features { list-style: none; margin-bottom: 32px; display: flex; flex-direction: column; gap: 10px; flex: 1; }
.fwp-features li {
  display: flex; align-items: flex-start; gap: 10px; font-size: 13.5px; line-height: 1.5;
}
.fwp-card-individuals .fwp-features li { color: var(--text); }
.fwp-card-employers .fwp-features li { color: rgba(255,255,255,0.75); }
.fwp-check {
  width: 18px; height: 18px; flex-shrink: 0; border-radius: 50%;
  display: flex; align-items: center; justify-content: center; margin-top: 1px;
}
.fwp-card-individuals .fwp-check { background: rgba(0,174,239,0.12); }
.fwp-card-employers .fwp-check { background: rgba(0,174,239,0.15); }
.fwp-check svg { width: 10px; height: 10px; stroke: var(--cyan); stroke-width: 2.5; fill: none; }

/* mini FWI score widget */
.fwp-score-widget {
  background: rgba(45,56,138,0.06); border: 1px solid var(--border);
  border-radius: 12px; padding: 18px 20px; margin-bottom: 28px;
  display: flex; align-items: center; gap: 18px; flex-shrink: 0;
}
.fwp-score-circle {
  width: 56px; height: 56px; flex-shrink: 0;
  background: linear-gradient(135deg, var(--indigo) 0%, var(--indigo-mid) 100%);
  border-radius: 50%; display: flex; flex-direction: column; align-items: center; justify-content: center;
}
.fwp-score-num { font-size: 18px; font-weight: 700; color: white; font-family: 'Playfair Display', serif; line-height: 1; }
.fwp-score-of { font-size: 9px; color: rgba(255,255,255,0.5); }
.fwp-score-text { }
.fwp-score-title { font-size: 13px; font-weight: 600; color: var(--text); margin-bottom: 3px; }
.fwp-score-sub { font-size: 12px; color: var(--muted); }

/* employer stats */
.fwp-stat-row { display: flex; gap: 16px; margin-bottom: 28px; flex-shrink: 0; }
.fwp-stat { flex: 1; background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.08); border-radius: 10px; padding: 16px; }
.fwp-stat-num { font-size: 22px; font-weight: 700; color: white; font-family: 'Playfair Display', serif; margin-bottom: 3px; }
.fwp-stat-num span { color: var(--cyan); }
.fwp-stat-label { font-size: 11px; color: rgba(255,255,255,0.45); }

/* ═══════════════════════════════════════════════
   SECTION 5 , TESTIMONIALS
═══════════════════════════════════════════════ */
.testimonials-section {
  background: var(--canvas); padding: 88px 0;
}
.testimonials-header { display: flex; align-items: flex-end; justify-content: space-between; margin-bottom: 48px; }
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }

.testi-card {
  background: var(--white); border: 1.5px solid var(--border); border-radius: 16px;
  padding: 32px 28px; display: flex; flex-direction: column;
  transition: all 0.25s;
}
.testi-card:hover { border-color: var(--indigo); transform: translateY(-2px); box-shadow: 0 8px 28px rgba(45,56,138,0.08); }
.testi-card.corporate { border-color: var(--cyan); background: linear-gradient(160deg, rgba(0,174,239,0.03) 0%, white 50%); }
.testi-card.corporate:hover { border-color: var(--cyan-dark); box-shadow: 0 8px 28px rgba(0,174,239,0.12); }

.testi-stars { display: flex; gap: 3px; margin-bottom: 18px; }
.testi-stars svg { width: 14px; height: 14px; fill: #fbbf24; }

.testi-quote {
  font-size: 14px; line-height: 1.75; color: #374151;
  flex: 1; margin-bottom: 24px; font-style: italic;
}
.testi-quote::before { content: '\201C'; font-family: 'Playfair Display', serif; font-size: 40px; color: var(--border); line-height: 0; vertical-align: -14px; margin-right: 2px; }

.testi-footer { border-top: 1px solid var(--border); padding-top: 18px; display: flex; align-items: center; gap: 12px; }
.testi-avatar {
  width: 42px; height: 42px; border-radius: 50%;
  background: linear-gradient(135deg, var(--indigo) 0%, var(--indigo-mid) 100%);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-size: 15px; font-weight: 700; color: white;
  flex-shrink: 0;
}
.testi-card.corporate .testi-avatar { background: linear-gradient(135deg, var(--cyan-dark) 0%, var(--indigo-mid) 100%); }
.testi-name { font-size: 14px; font-weight: 700; color: var(--text); }
.testi-role { font-size: 12px; color: var(--muted); margin-top: 1px; }
.testi-year { margin-left: auto; font-size: 11px; color: var(--border); font-weight: 600; }

/* ═══════════════════════════════════════════════
   SECTION 6 , CALCULATORS
═══════════════════════════════════════════════ */
.calc-section { background: var(--white); padding: 88px 0; }
.calc-header { display: flex; align-items: flex-end; justify-content: space-between; margin-bottom: 48px; }
.view-all-link {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 13px; font-weight: 700; color: var(--indigo); text-decoration: none;
  text-transform: uppercase; letter-spacing: 0.05em; padding-bottom: 2px;
  border-bottom: 1.5px solid var(--border); transition: all 0.2s;
}
.view-all-link:hover { color: var(--cyan); border-bottom-color: var(--cyan); }

.calc-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }

.calc-card {
  border: 1.5px solid var(--border); border-radius: 14px; padding: 28px 24px;
  background: var(--white); display: flex; flex-direction: column;
  cursor: pointer; text-decoration: none; color: inherit;
  transition: all 0.25s; position: relative; overflow: hidden;
}
.calc-card::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px;
  background: var(--border); transition: background 0.25s;
}
.calc-card:hover { border-color: var(--indigo); transform: translateY(-3px); box-shadow: 0 10px 28px rgba(45,56,138,0.09); }
.calc-card:hover::after { background: var(--indigo); }
.calc-card.exclusive { border-color: var(--cyan); border-width: 2px; background: linear-gradient(160deg, rgba(0,174,239,0.04) 0%, white 55%); }
.calc-card.exclusive::after { background: var(--cyan); }
.calc-card.exclusive:hover { box-shadow: 0 10px 28px rgba(0,174,239,0.15); }

.calc-exclusive-badge {
  position: absolute; top: 14px; right: 14px;
  background: linear-gradient(135deg, var(--cyan), var(--indigo-mid));
  color: white; font-size: 8.5px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase;
  padding: 3px 9px; border-radius: 20px;
}

.calc-icon {
  width: 46px; height: 46px; border-radius: 10px;
  background: var(--canvas); display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.calc-card.exclusive .calc-icon { background: rgba(0,174,239,0.1); }
.calc-icon svg { width: 22px; height: 22px; stroke: var(--indigo); fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.calc-card.exclusive .calc-icon svg { stroke: var(--cyan); }

.calc-title { font-size: 15px; font-weight: 700; color: var(--text); margin-bottom: 8px; }
.calc-desc { font-size: 13px; color: var(--muted); line-height: 1.65; flex: 1; }
.calc-cta {
  display: inline-flex; align-items: center; gap: 5px; margin-top: 18px;
  font-size: 12px; font-weight: 700; color: var(--indigo); text-decoration: none;
  letter-spacing: 0.03em; text-transform: uppercase;
}
.calc-card.exclusive .calc-cta { color: var(--cyan); }

/* ═══════════════════════════════════════════════
   SECTION 7 , BOTTOM CTA
═══════════════════════════════════════════════ */
.bottom-cta {
  background: linear-gradient(135deg, #0d1240 0%, #141b4d 30%, #1e2660 65%, #2d388a 100%);
  padding: 88px 0; position: relative; overflow: hidden;
}
.bottom-cta::before {
  content: ''; position: absolute; top: -100px; left: 50%;
  transform: translateX(-50%);
  width: 800px; height: 400px;
  background: radial-gradient(ellipse, rgba(0,174,239,0.06) 0%, transparent 65%);
  pointer-events: none;
}
.bottom-cta-inner {
  max-width: 1280px; margin: 0 auto; padding: 0 40px;
  text-align: left;
}
.bottom-cta-eyebrow { display: flex; align-items: center; justify-content: flex-start; gap: 12px; margin-bottom: 20px; }
.bottom-cta-headline {
  font-family: 'Playfair Display', serif;
  font-size: clamp(28px, 3.2vw, 44px); font-weight: 700;
  color: white; line-height: 1.15; margin-bottom: 14px;
}
.bottom-cta-headline em { font-style: italic; font-weight: 400; color: rgba(255,255,255,0.7); }
.bottom-cta-sub { font-size: 15px; color: rgba(255,255,255,0.5); margin-bottom: 44px; }
.bottom-cta-forks { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; max-width: 760px; margin: 0; }
.cta-fork {
  border-radius: 16px; padding: 36px 32px; text-align: left;
  display: flex; flex-direction: column;
}
.cta-fork-a {
  background: rgba(255,255,255,0.05); border: 1.5px solid rgba(255,255,255,0.1);
}
.cta-fork-b {
  background: rgba(0,174,239,0.06); border: 1.5px solid rgba(0,174,239,0.2);
}
.cta-fork-label { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: rgba(255,255,255,0.4); margin-bottom: 10px; }
.cta-fork-a .cta-fork-label { }
.cta-fork-b .cta-fork-label { color: rgba(0,174,239,0.7); }
.cta-fork-title { font-size: 17px; font-weight: 700; color: white; margin-bottom: 8px; line-height: 1.3; }
.cta-fork-desc { font-size: 13px; color: rgba(255,255,255,0.45); margin-bottom: 22px; line-height: 1.6; flex: 1; }
.btn-cta-primary {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--cyan); color: white; padding: 13px 24px; border-radius: 8px;
  font-size: 14px; font-weight: 700; font-family: inherit; border: none;
  cursor: pointer; text-decoration: none; transition: all 0.2s; white-space: nowrap;
}
.btn-cta-primary:hover { background: var(--cyan-dark); transform: translateY(-1px); }
.btn-cta-secondary {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent; color: rgba(255,255,255,0.75); padding: 12px 22px; border-radius: 8px;
  font-size: 14px; font-weight: 600; font-family: inherit;
  border: 1.5px solid rgba(255,255,255,0.2); cursor: pointer; text-decoration: none; transition: all 0.2s;
}
.btn-cta-secondary:hover { border-color: rgba(255,255,255,0.45); color: white; }

/* ═══════════════════════════════════════════════
   FOOTER
═══════════════════════════════════════════════ */

/* ── LOGO SVG ── */
.logo-svg { height: 54px; width: auto; }

/* ── SECTION DIVIDERS ── */
.section-divider { height: 1px; background: var(--border); }


/* ═══════════════════════════════════════════════
   MOBILE RESPONSIVE , max-width breakpoints
   768px: tablet and below
   480px: phone
═══════════════════════════════════════════════ */

@media (max-width: 768px) {

  /* Hero */
  .home-hero {
    padding-top: 32px;
    min-height: auto;
  }
  .home-hero .hero-inner {
    grid-template-columns: 1fr;
    gap: 40px;
    padding: 40px 20px 60px;
  }
  .hero-headline {
    font-size: clamp(28px, 7vw, 38px);
  }
  .hero-stats {
    gap: 0;
  }
  .hero-card-row {
    flex-direction: column;
  }

  /* Services */
  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  /* Why section */
  .why-grid {
    max-width: 100%;
  }

  /* Platform */
  .fwp-paths {
    grid-template-columns: 1fr;
  }

  /* Testimonials */
  .testimonials-grid {
    grid-template-columns: 1fr;
  }
  .testimonials-header {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
  }

  /* Calculators */
  .calc-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .calc-header {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
  }

  /* Bottom CTA */
  .bottom-cta-forks {
    grid-template-columns: 1fr;
  }

  /* Footer */
  
  

  /* General */
  .section-inner {
    padding: 0 20px;
  }
  .services-section,
  .why-section,
  .fwp-section,
  .testimonials-section,
  .calc-section,
  .bottom-cta {
    padding: 60px 0;
  }
  .bottom-cta-inner {
    padding: 0 20px;
  }
}

@media (max-width: 480px) {

  /* Nav , hide labels, show minimal links */
  .nav-links {
    gap: 10px;
  }
  .nav-links li:nth-child(3),
  .nav-links li:nth-child(4),
  .nav-links li:nth-child(5) {
    display: none;
  }

  /* Hero */
  .home-hero {
    padding-top: 24px;
  }
  .home-hero .hero-inner {
    padding: 32px 16px 48px;
  }

  /* Services , single column on phone */
  .services-grid {
    grid-template-columns: 1fr;
  }

  /* Calculators , single column on phone */
  .calc-grid {
    grid-template-columns: 1fr;
  }

  /* Footer */
  

  .section-inner,
  .bottom-cta-inner,
  
}



/* === CANONICAL FOOTER CSS === */
.site-footer {
  background: linear-gradient(135deg, #0d1240 0%, #141b4d 100%);
  padding: 56px 40px 0;
  color: rgba(255,255,255,0.75);
  font-size: 14px;
}
.footer-inner { max-width: 1280px; margin: 0 auto; }
.footer-top {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr !important;
  gap: 48px;
  margin-bottom: 0;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-col h4 {
  font-family: 'Playfair Display', serif;
  font-size: 15px; font-weight: 600;
  color: #fff; margin-bottom: 14px;
}
.footer-col p, .footer-col address {
  font-style: normal; line-height: 1.8;
  color: rgba(255,255,255,0.65); font-size: 13px;
}
.footer-col a {
  display: block; color: rgba(255,255,255,0.7);
  font-size: 13px; margin-bottom: 6px;
  text-decoration: none; transition: color 0.2s; line-height: 1.6;
}
.footer-col a:hover { color: #00aeef; }
.footer-col .footer-tagline {
  font-family: 'Playfair Display', serif;
  font-style: italic; font-weight: 700; color: #00aeef;
  font-size: 15px; margin-bottom: 12px; line-height: 1.4;
}
.footer-legal-entity {
  font-weight: 600; color: rgba(255,255,255,0.85);
  font-size: 13px; margin-bottom: 4px;
}
.footer-reg {
  font-size: 12px; color: rgba(255,255,255,0.5);
  line-height: 1.9; margin-bottom: 12px;
}
.footer-social {
  display: flex; gap: 8px; margin: 14px 0 0;
}
.footer-social a {
  width: 34px; height: 34px; border-radius: 50%;
  background: rgba(255,255,255,0.1);
  display: flex !important; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.7); text-decoration: none;
  transition: background 0.2s, color 0.2s;
}
.footer-social a:hover { background: #00aeef; color: #fff !important; }
.footer-bottom {
  display: flex; align-items: center;
  justify-content: space-between;
  flex-wrap: wrap; gap: 12px;
  padding: 20px 0;
}
.footer-copy { font-size: 11px; color: rgba(255,255,255,0.4); line-height: 1.7; }
.footer-links { display: flex; gap: 16px; flex-wrap: wrap; }
.footer-links a {
  font-size: 11px; color: rgba(255,255,255,0.45);
  text-decoration: none; transition: color 0.2s;
}
.footer-links a:hover { color: rgba(255,255,255,0.8); }
.footer-disclaimer {
  background: rgba(0,0,0,0.25);
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 16px 40px;
  font-size: 10.5px; color: rgba(255,255,255,0.5); line-height: 1.65;
}
.footer-disclaimer strong { color: rgba(255,255,255,0.7); }

@media (max-width: 768px) {
    .footer-top {
        grid-template-columns: 1fr 1fr !important;
    }
}
@media (max-width: 600px) {
    .footer-top {
        grid-template-columns: 1fr !important;
    }
}
/* ═══════════════════════════════════════
   FAQ ACCORDION
═══════════════════════════════════════ */
.faq-section {
  background: var(--canvas);
  padding: 80px 0;
  border-top: 1px solid var(--border);
}
.faq-inner { max-width: 1280px; margin: 0 auto; padding: 0 40px; }
.faq-header { margin-bottom: 40px; }
.faq-disclaimer { font-size: 12px; color: var(--muted); margin-top: 8px; line-height: 1.6; }
.faq-list { border-top: 1px solid var(--border); }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-btn {
  width: 100%; background: none; border: none;
  padding: 22px 0;
  display: flex; align-items: center; justify-content: space-between; gap: 24px;
  cursor: pointer; text-align: left;
  font-family: 'DM Sans', sans-serif;
  font-size: 15px; font-weight: 600; color: var(--text); line-height: 1.4;
  transition: color 0.2s;
}
.faq-btn:hover { color: var(--indigo); }
.faq-btn.is-open { color: var(--indigo); }
.faq-icon {
  width: 22px; height: 22px; flex-shrink: 0;
  border-radius: 50%; background: var(--border);
  display: flex; align-items: center; justify-content: center;
  transition: background 0.2s, transform 0.25s;
}
.faq-btn.is-open .faq-icon { background: var(--indigo); transform: rotate(45deg); }
.faq-icon svg { width: 12px; height: 12px; stroke: var(--muted); }
.faq-btn.is-open .faq-icon svg { stroke: #fff; }
.faq-body {
  overflow: hidden; max-height: 0;
  transition: max-height 0.3s ease;
}
.faq-body.is-open { max-height: 600px; }
.faq-body-inner {
  padding: 0 0 24px 0;
  font-size: 14px; color: var(--muted); line-height: 1.8; max-width: 780px;
}
@media (max-width: 768px) {
  .faq-inner { padding: 0 20px; }
  .faq-section { padding: 56px 0; }
  .faq-btn { font-size: 14px; padding: 18px 0; }
}

/* ═══════════════════════════════════════════════
   HERO — animated enhancements (May 2026)
═══════════════════════════════════════════════ */

/* ambient particle canvas */
.hero-particles {
  position: absolute; inset: 0;
  width: 100%; height: 100%;
  pointer-events: none;
  z-index: 1;
  opacity: 0.7;
}

/* hero text entrance */
.hero-eyebrow,
.hero-headline,
.hero-sub,
.hero-ctas,
.watch-link {
  opacity: 0;
  transform: translateY(14px);
  animation: ccHeroIn 0.9s cubic-bezier(0.2, 0.7, 0.2, 1) forwards;
}
.hero-eyebrow { animation-delay: 0.10s; }
.hero-headline { animation-delay: 0.25s; }
.hero-sub { animation-delay: 0.50s; }
.hero-ctas { animation-delay: 0.70s; }
.watch-link { animation-delay: 0.85s; }
@keyframes ccHeroIn {
  to { opacity: 1; transform: translateY(0); }
}

/* shimmer on cyan italic word */
.hero-headline .hl-cyan {
  background: linear-gradient(110deg,
    #00aeef 0%, #00aeef 38%,
    #ffffff 50%,
    #00aeef 62%, #00aeef 100%);
  background-size: 250% 100%;
  background-position: 100% 0;
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: transparent;
  animation: ccShimmer 5.5s ease-in-out 1.6s infinite;
}
@keyframes ccShimmer {
  0%, 100% { background-position: 100% 0; }
  50%      { background-position: 0% 0; }
}

/* ── Right column: animated debt chart ── */
.charter-hero-visual {
  width: 440px;
  display: flex !important;
  flex-direction: column !important;
  align-items: stretch !important;
  justify-content: flex-start !important;
  gap: 16px !important;
  opacity: 0;
  transform: translateY(14px);
  animation: ccHeroIn 1s ease-out 0.45s forwards;
}

.charter-chart-card {
  background: linear-gradient(180deg, rgba(255,255,255,0.055) 0%, rgba(255,255,255,0.02) 100%);
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: 18px;
  padding: 22px 22px 18px;
  backdrop-filter: blur(10px);
  position: relative;
  overflow: hidden;
}
.charter-chart-card::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(circle at 88% 0%, rgba(0,174,239,0.10) 0%, transparent 55%);
  pointer-events: none;
}

.cc-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 14px;
  position: relative;
  z-index: 1;
}
.cc-head-l { display: flex; flex-direction: column; gap: 3px; }
.cc-eyebrow {
  font-size: 10px; font-weight: 700;
  letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--cyan);
}
.cc-title {
  font-family: 'Playfair Display', serif;
  font-size: 17px; color: white; font-weight: 600;
  line-height: 1.2;
}
.cc-pill {
  display: inline-flex; align-items: center; gap: 6px;
  background: rgba(0,174,239,0.10);
  border: 1px solid rgba(0,174,239,0.28);
  padding: 4px 10px 4px 8px; border-radius: 20px;
  font-size: 10px; color: var(--cyan); font-weight: 600;
  letter-spacing: 0.06em; text-transform: uppercase;
}
.cc-pill-dot {
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--cyan);
  box-shadow: 0 0 8px var(--cyan);
  animation: ccPulse 1.6s ease-in-out infinite;
}
@keyframes ccPulse {
  0%, 100% { opacity: 0.4; transform: scale(0.8); }
  50%      { opacity: 1;   transform: scale(1.25); }
}

.charter-chart {
  display: block; width: 100%; height: auto;
  font-family: 'DM Sans', sans-serif;
  position: relative;
}

.cc-grid line { stroke: rgba(255,255,255,0.07); stroke-width: 1; }
.cc-axis-y text, .cc-axis-x text {
  fill: rgba(255,255,255,0.38);
  font-size: 9px; font-weight: 500; letter-spacing: 0.04em;
}
.cc-axis-y text { text-anchor: end; }

/* Standard loan line (dashed, gray, fade-in) */
.cc-line-std {
  fill: none;
  stroke: rgba(255,255,255,0.32);
  stroke-width: 1.6;
  stroke-dasharray: 4 4;
  stroke-linecap: round;
  opacity: 0;
  animation: ccFadeStd 1.2s ease-out 0.4s forwards;
}
@keyframes ccFadeStd { to { opacity: 1; } }

/* Charter line (solid, glowing, draw-in) */
.cc-line-cha {
  fill: none;
  stroke: url(#ccLineGrad);
  stroke-width: 2.6;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-dasharray: 1;
  stroke-dashoffset: 1;
  filter: url(#ccGlow);
  animation: ccDrawCha 2.2s cubic-bezier(0.4, 0.0, 0.2, 1) 0.7s forwards;
}
@keyframes ccDrawCha { to { stroke-dashoffset: 0; } }

/* Charter area fill */
.cc-area {
  opacity: 0;
  animation: ccFadeArea 1.4s ease-out 1.6s forwards;
}
@keyframes ccFadeArea { to { opacity: 1; } }

/* particles flowing along charter path */
.cc-particle {
  fill: var(--cyan);
  filter: url(#ccGlow);
  opacity: 0;
  animation: ccPartIn 0.6s ease-out 2.6s forwards;
}
@keyframes ccPartIn { to { opacity: 1; } }

/* annotation chips */
.cc-chip { opacity: 0; }
.cc-chip-1 { animation: ccChipIn 0.5s ease-out 1.6s forwards; }
.cc-chip-2 { animation: ccChipIn 0.5s ease-out 2.0s forwards; }
.cc-chip-3 { animation: ccChipIn 0.5s ease-out 2.5s forwards; }
@keyframes ccChipIn {
  from { opacity: 0; transform: translateY(4px); }
  to   { opacity: 1; transform: translateY(0); }
}
.cc-chip rect {
  fill: rgba(0,174,239,0.14);
  stroke: rgba(0,174,239,0.45);
  stroke-width: 1;
}
.cc-chip text {
  fill: var(--cyan);
  font-size: 8.5px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  text-anchor: middle;
}
.cc-chip line { stroke: rgba(0,174,239,0.45); stroke-width: 1; }

/* end markers */
.cc-end-std { fill: rgba(255,255,255,0.5); opacity: 0; animation: ccFadeStd 0.5s ease-out 2.4s forwards; }
.cc-end-cha {
  fill: var(--cyan);
  filter: url(#ccGlow);
  opacity: 0;
  animation: ccEndIn 0.5s ease-out 2.7s forwards, ccEndPulse 2.2s ease-in-out 3.2s infinite;
}
@keyframes ccEndIn { to { opacity: 1; } }
@keyframes ccEndPulse {
  0%, 100% { r: 4; }
  50%      { r: 5.5; }
}

/* legend */
.cc-legend {
  display: flex; gap: 22px;
  padding: 10px 4px 14px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.cc-leg {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 11px; color: rgba(255,255,255,0.6); font-weight: 500;
}
.cc-swatch {
  width: 20px; height: 2px; flex-shrink: 0;
  border-radius: 1px;
}
.cc-swatch.std {
  background: transparent;
  background-image: linear-gradient(90deg, rgba(255,255,255,0.5) 50%, transparent 50%);
  background-size: 5px 2px;
  background-repeat: repeat-x;
}
.cc-swatch.cha {
  background: var(--cyan);
  box-shadow: 0 0 8px rgba(0,174,239,0.7);
}

/* readout */
.cc-readout {
  display: flex;
  gap: 22px;
  padding-top: 14px;
}
.cc-readout-row { flex: 1; }
.cc-r-label {
  font-size: 9.5px; font-weight: 700;
  letter-spacing: 0.10em; text-transform: uppercase;
  color: rgba(255,255,255,0.42);
  margin-bottom: 6px;
}
.cc-r-value {
  font-family: 'Playfair Display', serif;
  font-size: 24px; font-weight: 700;
  color: white; line-height: 1;
  font-variant-numeric: tabular-nums;
}
.cc-r-value.cyan { color: var(--cyan); }
.cc-r-unit {
  font-size: 12px;
  color: rgba(255,255,255,0.45);
  margin-left: 5px;
  font-family: 'DM Sans', sans-serif;
  font-weight: 500;
}

/* three-pillar wholeness row replacing dollar metrics */
.cc-pillars {
  display: flex;
  padding-top: 14px;
}
.cc-pillar { flex: 1; padding: 0 4px; }
.cc-pillar + .cc-pillar { border-left: 1px solid rgba(255,255,255,0.08); padding-left: 14px; }
.cc-pillar { padding-right: 14px; }
.cc-pillar:first-child { padding-left: 2px; }
.cc-pillar:last-child { padding-right: 0; }
.cc-p-label {
  font-size: 9.5px; font-weight: 700;
  letter-spacing: 0.14em; text-transform: uppercase;
  color: rgba(255,255,255,0.42);
  margin-bottom: 6px;
}
.cc-p-val {
  font-family: 'Playfair Display', serif;
  font-size: 19px; font-weight: 700;
  color: white; line-height: 1;
  font-style: italic;
}
.cc-p-val.cyan { color: var(--cyan); }
.cc-foot {
  margin-top: 14px;
  font-size: 11px;
  font-style: italic;
  color: rgba(255,255,255,0.5);
  letter-spacing: 0.01em;
  line-height: 1.5;
}

/* ── Portal-preview card (concept B) ── */
.charter-portal-card {
  background: linear-gradient(180deg, rgba(255,255,255,0.055) 0%, rgba(255,255,255,0.02) 100%);
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: 18px;
  padding: 22px 22px 18px;
  backdrop-filter: blur(10px);
  position: relative; overflow: hidden;
}
.charter-portal-card::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(circle at 88% 0%, rgba(0,174,239,0.10) 0%, transparent 55%);
  pointer-events: none;
}
.cp-head {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 18px; position: relative; z-index: 1;
}
.cp-head-l { display: flex; flex-direction: column; gap: 3px; }
.cp-body {
  display: grid;
  grid-template-columns: 130px 1fr;
  gap: 22px; align-items: center;
  padding-bottom: 18px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  position: relative; z-index: 1;
}
.cp-gauge { width: 130px; height: 130px; position: relative; }
.cp-gauge svg { width: 100%; height: 100%; transform: rotate(-90deg); display: block; }
.cp-gauge-bg { stroke: rgba(255,255,255,0.08); stroke-width: 8; fill: none; }
.cp-gauge-fg {
  stroke: url(#cpGrad);
  stroke-width: 8; fill: none;
  stroke-linecap: round;
  filter: url(#cpGlow);
  stroke-dasharray: 100;
  stroke-dashoffset: 100;
  animation: cpGaugeFill 3.6s cubic-bezier(0.3,0.6,0.2,1) 0.7s forwards;
}
@keyframes cpGaugeFill { to { stroke-dashoffset: 14; } }
.cp-gauge-text {
  position: absolute; inset: 0;
  display: flex; flex-direction: column;
  align-items: center; justify-content: center;
}
.cp-gauge-num {
  font-family: 'Playfair Display', serif;
  font-size: 40px; font-weight: 700;
  color: white; line-height: 1;
  font-variant-numeric: tabular-nums;
}
.cp-gauge-of {
  font-size: 10px; color: rgba(255,255,255,0.4);
  margin-top: 4px; letter-spacing: 0.06em;
}
.cp-dims { display: flex; flex-direction: column; gap: 10px; }
.cp-dim { display: flex; flex-direction: column; gap: 4px; }
.cp-dim-row {
  display: flex; justify-content: space-between; align-items: baseline;
  font-size: 11.5px; color: rgba(255,255,255,0.7); font-weight: 500;
}
.cp-dim-pct {
  color: white;
  font-family: 'Playfair Display', serif;
  font-weight: 600; font-size: 13px;
  font-variant-numeric: tabular-nums;
}
.cp-dim-bar {
  height: 4px; border-radius: 2px;
  background: rgba(255,255,255,0.07); overflow: hidden;
}
.cp-dim-fill {
  height: 100%; width: 0;
  background: linear-gradient(90deg, var(--cyan), #00d4ff);
  border-radius: 2px;
  box-shadow: 0 0 6px rgba(0,174,239,0.5);
  transition: width 2.6s cubic-bezier(0.3,0.6,0.2,1);
}
.cp-ticker {
  padding-top: 14px;
  display: flex; align-items: center; gap: 12px;
  height: 30px;
  position: relative; z-index: 1;
}
.cp-ticker-pip {
  width: 7px; height: 7px; border-radius: 50%;
  background: var(--cyan);
  box-shadow: 0 0 8px var(--cyan);
  flex-shrink: 0;
  animation: ccPulse 1.6s ease-in-out infinite;
}
.cp-ticker-track { position: relative; flex: 1; height: 18px; overflow: hidden; }
.cp-ticker-item {
  position: absolute; inset: 0;
  font-size: 12.5px; color: rgba(255,255,255,0.78); font-weight: 500;
  display: flex; align-items: center; white-space: nowrap;
  opacity: 0; transform: translateY(8px);
  transition: opacity 0.5s, transform 0.5s;
}
.cp-ticker-item.active { opacity: 1; transform: translateY(0); }
.cp-ticker-item strong {
  color: var(--cyan);
  margin-right: 8px; font-weight: 700;
  letter-spacing: 0.10em; text-transform: uppercase;
  font-size: 9.5px;
}
@media (max-width: 480px) {
  .cp-body { grid-template-columns: 100px 1fr; gap: 14px; padding-bottom: 14px; }
  .cp-gauge { width: 100px; height: 100px; }
  .cp-gauge-num { font-size: 30px; }
  .cp-gauge-of { font-size: 9px; }
  .cp-dim-row { font-size: 11px; }
  .cp-dim-pct { font-size: 12px; }
  .cp-ticker-item { font-size: 11.5px; }
  .charter-portal-card { padding: 18px 16px 14px; }
  .cc-stats-strip { padding: 14px 0; }
  .cc-stat { padding: 0 10px; }
  .cc-stat-num { font-size: 20px; }
  .cc-stat-lab { font-size: 10px; }
}
@media (max-width: 360px) {
  .cp-body { grid-template-columns: 1fr; gap: 14px; }
  .cp-gauge { width: 110px; height: 110px; margin: 0 auto; }
}
@media (prefers-reduced-motion: reduce) {
  .cp-gauge-fg { animation: none !important; stroke-dashoffset: 14 !important; }
  .cp-ticker-pip { animation: none; }
}

/* mini stats strip below the chart card */
.cc-stats-strip {
  display: flex;
  background: rgba(255,255,255,0.025);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 14px;
  padding: 16px 0;
  backdrop-filter: blur(6px);
}
.cc-stat { flex: 1; padding: 0 16px; }
.cc-stat + .cc-stat { border-left: 1px solid rgba(255,255,255,0.08); }
.cc-stat-num {
  font-family: 'Playfair Display', serif;
  font-size: 26px; font-weight: 700;
  color: white; line-height: 1;
  margin-bottom: 6px;
  font-variant-numeric: tabular-nums;
}
.cc-stat-num span { color: var(--cyan); }
.cc-stat-lab {
  font-size: 11px;
  color: rgba(255,255,255,0.5);
  line-height: 1.4;
  letter-spacing: 0.01em;
}

/* responsive: chart card fills column on small screens */
@media (max-width: 900px) {
  .charter-hero-visual { width: 100%; }
}
@media (max-width: 480px) {
  .cc-stat-num { font-size: 22px; }
  .cc-r-value { font-size: 20px; }
  .charter-chart-card { padding: 18px 18px 14px; }
}

/* respect reduced-motion */
@media (prefers-reduced-motion: reduce) {
  .hero-eyebrow, .hero-headline, .hero-sub, .hero-ctas, .watch-link,
  .charter-hero-visual,
  .cc-line-cha, .cc-line-std, .cc-area, .cc-chip,
  .cc-end-std, .cc-end-cha, .cc-particle {
    animation: none !important;
    opacity: 1 !important;
    transform: none !important;
    stroke-dashoffset: 0 !important;
  }
  .cc-end-cha { r: 4; }
  .cc-particle { display: none; }
  .hero-particles { display: none; }
  .hero-headline .hl-cyan {
    background: none;
    -webkit-text-fill-color: var(--cyan);
    color: var(--cyan);
  }
  .cc-pill-dot { animation: none; }
}

.portal-hide {
    display: none !important;
}

@media (max-width: 380px) {
    .h-captcha {
        transform: scale(0.75);
        transform-origin: left;
    }
}