/* ============================================================
   Wealth IQ — pixel-perfect static copy of wealthiq.ca
   GLOBAL DESIGN SYSTEM  (section styles are appended below)
   ============================================================ */

:root{
  /* palette (sampled from live render) */
  --gold:#FFB703;           /* primary brand / buttons / accents */
  --gold-2:#F8A507;         /* heading accent gold */
  --gold-3:#FD9E02;         /* pricing heading accent */
  --gold-soft:#FFC53D;      /* lighter gold for gradients/hover */
  --orange:#FB9017;
  --orange-deep:#FB8500;
  --gold-grad:linear-gradient(135deg,#FFC93C 0%,#FFB703 45%,#FB8500 100%);
  --gold-glow:rgba(251,133,0,.55);
  --gold-tint:rgba(255,183,3,.22);
  --gold-tint-2:rgba(255,183,3,.10);

  --ink-0:#0E0E10;          /* deepest – section bases for depth */
  --ink:#181818;            /* dark full-bleed sections (hero/pricing/footer) */
  --ink-2:#202022;          /* dark inset cards/panels */
  --ink-3:#2A2A2D;          /* raised dark surfaces / borders */
  --black:#000;
  --navy:#111827;

  --white:#fff;
  --cream:#FBFAF7;          /* warm off-white for light section depth */
  --ink-text:#1A1814;       /* near-black warm text on light */
  --grey:#5B5B5B;           /* body text on light */
  --grey-blue:#607179;      /* secondary body text */
  --grey-200:#CCCCCC;       /* body text on dark */
  --grey-300:#A7A7Ad;       /* muted text on dark */
  --line:#ececec;           /* hairline borders (light) */
  --line-dark:rgba(255,255,255,.08);

  /* depth */
  --shadow-sm:0 1px 3px rgba(16,16,18,.06), 0 1px 2px rgba(16,16,18,.04);
  --shadow-md:0 10px 30px rgba(16,16,18,.08), 0 4px 10px rgba(16,16,18,.04);
  --shadow-lg:0 30px 70px rgba(16,16,18,.14), 0 10px 24px rgba(16,16,18,.08);
  --shadow-gold:0 18px 50px rgba(251,133,0,.22);

  --container:1170px;
  --font:'Poppins',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
  --font-inter:'Inter',system-ui,sans-serif;

  --ease:cubic-bezier(.22,.61,.36,1);
}

*{box-sizing:border-box;}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;}
body{
  margin:0;
  font-family:var(--font);
  font-size:16px;
  line-height:1.5;
  color:var(--ink-text);
  background:#fff;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
  overflow-x:hidden;
}
img,svg{max-width:100%;display:block;}
a{text-decoration:none;color:inherit;}
button{font-family:inherit;}
h1,h2,h3,h4,h5,p,ul,figure{margin:0;padding:0;}
ul{list-style:none;}
::selection{background:var(--gold);color:#1a1a1a;}

/* ---- layout primitives ---- */
.container{max-width:var(--container);width:100%;margin:0 auto;padding:0 24px;}
.wiq-section{position:relative;width:100%;}
.sec-pad{padding:80px 0;}

/* ---- typography helpers ---- */
.t-gold{color:var(--gold);}
.h-section{                             /* big section headings — fluid + tighter */
  font-family:var(--font);
  font-size:clamp(30px,4.4vw,50px);
  line-height:1.12;
  font-weight:800;
  letter-spacing:-.015em;
}
/* small uppercase gold label that introduces a section */
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  font-family:var(--font);font-weight:700;font-size:13px;
  letter-spacing:.18em;text-transform:uppercase;color:var(--gold-3);
  margin:0 0 16px;
}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--gold);border-radius:2px;}
.eyebrow--center{justify-content:center;}

/* ---- buttons ---- */
.btn-gold{
  position:relative;
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  background:var(--gold-grad);background-size:140% 140%;color:#1a1200;
  font-family:var(--font);font-weight:700;font-size:16px;line-height:1;
  padding:15px 32px;border-radius:150px;border:0;
  cursor:pointer;white-space:nowrap;
  box-shadow:0 8px 22px rgba(251,133,0,.28);
  transition:transform .25s var(--ease), box-shadow .25s var(--ease), background-position .4s var(--ease);
}
.btn-gold:hover{transform:translateY(-2px);background-position:100% 100%;box-shadow:0 14px 34px rgba(251,133,0,.42);}
.btn-gold:active{transform:translateY(0);}
.btn-gold--glow{box-shadow:0 0 0 4px var(--gold-glow), 0 10px 26px rgba(251,133,0,.35);}
.btn-gold--glow:hover{box-shadow:0 0 0 5px var(--gold-glow), 0 16px 38px rgba(251,133,0,.5);}
.btn-gold--block{display:flex;width:100%;}
/* ghost / secondary on dark */
.btn-ghost{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.25);
  font-family:var(--font);font-weight:600;font-size:16px;line-height:1;
  padding:14px 30px;border-radius:150px;cursor:pointer;white-space:nowrap;
  transition:border-color .25s var(--ease),background .25s var(--ease),transform .25s var(--ease);
}
.btn-ghost:hover{border-color:var(--gold);background:rgba(255,183,3,.08);transform:translateY(-2px);}

/* ---- shared card ---- */
.card{background:#fff;border-radius:15px;}

/* ---- scroll reveal (progressive enhancement; tiny IO in <script>) ---- */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s var(--ease),transform .7s var(--ease);will-change:opacity,transform;}
.reveal.in{opacity:1;transform:none;}
.reveal[data-d="1"]{transition-delay:.08s;}
.reveal[data-d="2"]{transition-delay:.16s;}
.reveal[data-d="3"]{transition-delay:.24s;}
.reveal[data-d="4"]{transition-delay:.32s;}
.reveal[data-d="5"]{transition-delay:.40s;}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto;}
  .reveal{opacity:1;transform:none;transition:none;}
  .btn-gold,.btn-ghost{transition:none;}
}

/* ============================================================
   SHARED SUBPAGE CHROME — used by standalone pages
   (how-it-works, packages, about, eligibility, faq, terms, privacy).
   Lives in core so it survives assemble.py rebuilds.
   ============================================================ */
.wnav{position:sticky;top:0;z-index:30;background:rgba(14,14,16,.92);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-bottom:1px solid var(--line-dark);}
.wnav .container{display:flex;align-items:center;justify-content:space-between;padding-top:14px;padding-bottom:14px;}
.wnav__logo img{height:36px;width:auto;}
.wnav__links{display:flex;align-items:center;gap:26px;}
.wnav__links a{font-family:var(--font);font-weight:600;font-size:14.5px;color:var(--grey-200);transition:color .2s var(--ease);}
.wnav__links a:hover{color:var(--gold);}
.wnav__links a.btn-gold{color:#1a1200;}
.wnav__burger{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:6px;}
.wnav__burger span{display:block;width:24px;height:2px;background:var(--gold);border-radius:2px;transition:transform .2s var(--ease),opacity .2s var(--ease);}
.wnav__burger[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg);}
.wnav__burger[aria-expanded="true"] span:nth-child(2){opacity:0;}
.wnav__burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}
@media(max-width:860px){
  .wnav__burger{display:flex;}
  .wnav__links{position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:var(--ink-0);border-bottom:1px solid var(--line-dark);padding:8px 0;max-height:0;overflow:hidden;transition:max-height .3s var(--ease);}
  .wnav__links.open{max-height:430px;}
  .wnav__links a{padding:13px 24px;font-size:16px;}
  .wnav__links a.btn-gold{margin:10px 24px;justify-content:center;}
}

.whero{position:relative;overflow:hidden;background:linear-gradient(160deg,var(--ink) 0%,var(--ink-0) 100%);color:#fff;padding:66px 0 54px;}
.whero::before{content:"";position:absolute;top:-50%;right:-6%;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,var(--gold-glow) 0%,rgba(251,133,0,0) 70%);opacity:.16;pointer-events:none;}
.whero .eyebrow{color:var(--gold-soft);}
.whero h1{position:relative;font-family:var(--font);font-weight:800;letter-spacing:-.02em;line-height:1.08;font-size:clamp(32px,5vw,50px);margin:6px 0 12px;}
.whero p{position:relative;max-width:640px;color:var(--grey-200);font-size:17px;line-height:1.6;}

.wmain{background:#fff;padding:60px 0 72px;}
.wmain--dark{background:var(--ink-0);color:var(--cream);}
.wsection{max-width:920px;margin:0 auto;}
.wsection + .wsection{margin-top:56px;}
.wsection__title{font-family:var(--font);font-weight:800;font-size:clamp(24px,3vw,32px);letter-spacing:-.015em;color:var(--ink-text);margin-bottom:14px;}
.wmain--dark .wsection__title{color:#fff;}
.wlede{font-size:18px;line-height:1.7;color:var(--grey);max-width:760px;}
.wmain--dark .wlede{color:var(--grey-200);}

/* numbered steps */
.wsteps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:34px;}
@media(max-width:760px){.wsteps{grid-template-columns:1fr;}}
.wstep{background:linear-gradient(180deg,#fff,var(--cream));border:1px solid var(--line);border-radius:18px;padding:30px 26px;box-shadow:var(--shadow-md);}
.wstep__n{display:inline-grid;place-items:center;width:46px;height:46px;border-radius:12px;background:var(--gold-grad);color:#1a1200;font-family:var(--font);font-weight:800;font-size:18px;margin-bottom:16px;box-shadow:0 8px 20px rgba(251,133,0,.28);}
.wstep h3{font-family:var(--font);font-weight:700;font-size:19px;color:var(--ink-text);margin-bottom:8px;}
.wstep p{font-size:15px;line-height:1.6;color:var(--grey);}

/* tier cards */
.wtiers{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:34px;}
@media(max-width:880px){.wtiers{grid-template-columns:repeat(2,1fr);}}
@media(max-width:560px){.wtiers{grid-template-columns:1fr;}}
.wtier{position:relative;display:flex;flex-direction:column;gap:6px;background:linear-gradient(180deg,var(--ink-2),var(--ink-0));border:1px solid var(--ink-3);border-radius:18px;padding:26px 24px;color:#fff;}
.wtier--pop{border-color:rgba(255,183,3,.55);box-shadow:0 0 0 1px rgba(255,183,3,.25),var(--shadow-lg);}
.wtier__ribbon{position:absolute;top:-12px;left:24px;background:var(--gold-grad);color:#1a1200;font-family:var(--font);font-weight:700;font-size:10.5px;letter-spacing:.12em;text-transform:uppercase;padding:5px 12px;border-radius:100px;}
.wtier__name{font-family:var(--font);font-weight:700;font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);}
.wtier__amt{font-family:var(--font);font-weight:800;font-size:38px;color:#fff;line-height:1;}
.wtier__cap{font-size:13px;color:var(--grey-300);}
.wtier__pay{font-size:14px;color:var(--grey-200);margin:10px 0 16px;line-height:1.5;}
.wtier__pay b{color:#fff;}
.wtier .btn-gold{margin-top:auto;justify-content:center;}

/* faq */
.wfaq{max-width:820px;margin:0 auto;}
.wfaq details{border:1px solid var(--line);border-radius:14px;background:#fff;margin-bottom:12px;overflow:hidden;}
.wfaq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:20px 22px;font-family:var(--font);font-weight:600;font-size:16.5px;color:var(--ink-text);}
.wfaq summary::-webkit-details-marker{display:none;}
.wfaq summary::after{content:"+";font-size:22px;color:var(--gold-3);transition:transform .2s var(--ease);}
.wfaq details[open] summary::after{transform:rotate(45deg);}
.wfaq .wfaq__a{padding:0 22px 20px;color:var(--grey);font-size:15px;line-height:1.7;}
.wfaq .wfaq__a a{color:var(--orange-deep);font-weight:600;}

/* checklist */
.wlist{margin-top:18px;padding:0;}
.wlist li{position:relative;padding-left:30px;margin-bottom:12px;font-size:16px;line-height:1.6;color:var(--grey);}
.wmain--dark .wlist li{color:var(--grey-200);}
.wlist li::before{content:"";position:absolute;left:4px;top:8px;width:9px;height:9px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 4px var(--gold-tint-2);}

/* cta band */
.wcta{margin:56px auto 0;max-width:920px;text-align:center;background:linear-gradient(160deg,var(--ink),var(--ink-0));color:#fff;border-radius:22px;padding:44px 28px;position:relative;overflow:hidden;}
.wcta::before{content:"";position:absolute;inset:-40% 0 auto 0;height:300px;background:radial-gradient(60% 100% at 50% 0%,rgba(255,183,3,.18),rgba(255,183,3,0) 70%);}
.wcta h2{position:relative;font-family:var(--font);font-weight:800;font-size:clamp(22px,3vw,30px);margin-bottom:18px;}
.wcta .btn-gold{position:relative;}
.wcta__sub{position:relative;color:var(--grey-200);margin:0 0 22px;}

/* prose for legal/about text */
.wdoc{max-width:760px;margin:0 auto;}
.wdoc h2{font-family:var(--font);font-weight:700;font-size:22px;color:var(--ink-text);margin:36px 0 12px;}
.wdoc h3{font-family:var(--font);font-weight:700;font-size:17px;color:var(--ink-text);margin:24px 0 8px;}
.wdoc p{color:var(--grey);font-size:15.5px;line-height:1.72;margin:0 0 14px;}
.wdoc ul{margin:0 0 16px;padding-left:0;}
.wdoc li{position:relative;color:var(--grey);font-size:15.5px;line-height:1.7;padding-left:26px;margin-bottom:9px;}
.wdoc li::before{content:"";position:absolute;left:6px;top:11px;width:7px;height:7px;border-radius:50%;background:var(--gold);}
.wdoc a{color:var(--orange-deep);font-weight:600;}
.wdoc strong{color:var(--ink-text);}

/* footer sitemap */
.wfoot{background:var(--ink-0);color:var(--grey-300);padding:54px 0 30px;border-top:1px solid var(--line-dark);}
.wfoot__grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px;}
@media(max-width:760px){.wfoot__grid{grid-template-columns:1fr 1fr;gap:28px;}}
@media(max-width:460px){.wfoot__grid{grid-template-columns:1fr;}}
.wfoot__brand img{height:34px;margin-bottom:14px;}
.wfoot__brand p{font-size:13.5px;line-height:1.6;color:var(--grey-300);max-width:280px;}
.wfoot__col h4{font-family:var(--font);font-weight:700;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:14px;}
.wfoot__col a{display:block;font-size:14px;color:var(--grey-200);margin-bottom:10px;transition:color .2s var(--ease);}
.wfoot__col a:hover{color:var(--gold);}
.wfoot__legal{margin-top:36px;padding-top:20px;border-top:1px solid var(--line-dark);font-size:12.5px;color:var(--grey-300);}

/* @@SECTIONS@@ (assembly appends per-section CSS below this line) */

/* ===== 01-hero.css ===== */
/* ============ SECTION 01 — HERO ============ */
.sec-01 {
  position: relative;
  isolation: isolate;
  /* clean deep-ink base with a warm top-down fade; small SVG wave at bottom */
  background-color: var(--ink-0);
  background-image: linear-gradient(180deg, #161618 0%, #131315 52%, var(--ink-0) 100%);
  background-size: 100% 100%;
  background-position: center;
  background-repeat: no-repeat;
  color: var(--white);
  overflow: hidden;
}

/* ---- clean bottom wave (dark hero -> cream next section) ---- */
.sec-01__wave {
  position: absolute;
  left: 0; right: 0; bottom: -1px;
  z-index: 1;
  line-height: 0;
  pointer-events: none;
}
.sec-01__wave svg {
  display: block;
  width: 100%;
  height: clamp(52px, 6vw, 88px);
}
.sec-01__wave-fill { fill: var(--cream); }

/* ---- ATMOSPHERE / DEPTH LAYERS ---- */
.sec-01__atmos {
  position: absolute;
  inset: 0;
  z-index: 0;
  pointer-events: none;
  overflow: hidden;
}

/* soft radial gold glows for depth */
.sec-01__glow {
  position: absolute;
  border-radius: 50%;
  filter: blur(20px);
  opacity: .9;
}
.sec-01__glow--head {
  left: -12%;
  top: 8%;
  width: 620px;
  height: 620px;
  background: radial-gradient(circle at center,
    rgba(255,183,3,.20) 0%,
    rgba(251,133,0,.10) 38%,
    rgba(251,133,0,0) 70%);
}
.sec-01__glow--img {
  right: -8%;
  top: 14%;
  width: 720px;
  height: 720px;
  background: radial-gradient(circle at center,
    rgba(255,201,60,.26) 0%,
    rgba(251,133,0,.12) 42%,
    rgba(251,133,0,0) 72%);
  animation: sec01-breathe 9s var(--ease) infinite alternate;
}
@keyframes sec01-breathe {
  from { transform: scale(1);    opacity: .85; }
  to   { transform: scale(1.08); opacity: 1; }
}

/* faint vertical guide lines for texture (very subtle) */
.sec-01__grid {
  position: absolute;
  inset: 0;
  opacity: .5;
  background-image:
    radial-gradient(120% 80% at 50% -10%, rgba(255,255,255,.05) 0%, rgba(255,255,255,0) 55%),
    radial-gradient(80% 60% at 100% 0%, rgba(255,183,3,.06) 0%, rgba(255,183,3,0) 60%);
  /* vignette to push focus inward */
  -webkit-mask-image: none;
}
.sec-01__grid::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(140% 110% at 50% 30%, rgba(0,0,0,0) 52%, rgba(8,8,9,.55) 100%);
}

.sec-01 .container {
  position: relative;
  z-index: 2;
}

/* ---- TOP NAV ---- */
.sec-01__nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 22px;
  margin-top: 16px;
  border-radius: 18px;
  /* subtle floating-header feel */
  background: linear-gradient(180deg, rgba(32,32,34,.55), rgba(20,20,22,.30));
  border: 1px solid rgba(255,255,255,.07);
  box-shadow:
    0 1px 0 rgba(255,255,255,.04) inset,
    0 18px 40px rgba(0,0,0,.35);
  backdrop-filter: blur(6px);
}

.sec-01__logo {
  display: inline-flex;
  align-items: center;
}

.sec-01__logo img {
  height: 84px;
  width: auto;
  display: block;
}

.sec-01__links {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  align-items: center;
  gap: 26px;
}

.sec-01__links a {
  position: relative;
  font-family: var(--font);
  font-size: 15px;
  font-weight: 500;
  letter-spacing: .01em;
  color: var(--grey-200);
  text-decoration: none;
  transition: color .22s var(--ease);
}

/* animated underline for nav text links (not the pill) */
.sec-01__links a:not(.sec-01__nav-cta)::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -6px;
  width: 100%;
  height: 2px;
  border-radius: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left center;
  transition: transform .28s var(--ease);
}
.sec-01__links a:not(.sec-01__nav-cta):hover {
  color: var(--white);
}
.sec-01__links a:not(.sec-01__nav-cta):hover::after {
  transform: scaleX(1);
}

/* nav gold pill overrides the grey link color */
.sec-01__nav-cta,
.sec-01__links a.sec-01__nav-cta {
  color: #1a1200;
  font-weight: 700;
  padding: 12px 26px;
  font-size: 15px;
}
.sec-01__nav-cta:hover {
  color: #1a1200;
}

/* hamburger hidden on desktop */
.sec-01__burger {
  display: none;
  background: none;
  border: 0;
  color: var(--white);
  font-size: 24px;
  cursor: pointer;
  padding: 8px;
}

/* ---- HERO BODY ---- */
.sec-01__hero {
  display: grid;
  grid-template-columns: 1.02fr 1.05fr;
  align-items: center;
  gap: 48px;
  padding: 64px 0 132px;
  min-height: 660px;
}

.sec-01__col-text {
  max-width: 560px;
}

.sec-01__eyebrow {
  color: var(--gold-soft);
}

.sec-01__title {
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: -.025em;
  line-height: 1.05;
  font-size: clamp(34px, 4.9vw, 58px);
  color: var(--white);
  text-shadow: 0 2px 30px rgba(0,0,0,.45);
  margin: 0 0 22px;
}
.sec-01__title .t-gold {
  color: var(--gold);
  /* keep solid color (no gradient text) but add a warm depth via glow */
  text-shadow: 0 0 28px rgba(255,183,3,.35);
}

.sec-01__sub {
  font-family: var(--font);
  font-size: 17px;
  font-weight: 400;
  line-height: 1.72;
  color: var(--grey-200);
  max-width: 500px;
  margin: 0 0 34px;
}

.sec-01__actions {
  display: flex;
  align-items: center;
  gap: 18px;
}

.sec-01__cta {
  display: inline-flex;
  padding: 17px 36px;
  font-size: 16px;
}
.sec-01__cta .fa-arrow-right {
  font-size: 13px;
  transition: transform .28s var(--ease);
}
.sec-01__cta:hover .fa-arrow-right {
  transform: translateX(4px);
}

/* ---- TRUST ROW ---- */
.sec-01__trust {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 10px 12px;
  margin: 32px 0 0;
  padding: 0;
  list-style: none;
}
.sec-01__trust-item {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  font-family: var(--font);
  font-size: 13.5px;
  font-weight: 500;
  color: #EDEDED;
  padding: 9px 16px 9px 13px;
  border-radius: 100px;
  background: linear-gradient(180deg, rgba(40,40,43,.7), rgba(24,24,26,.55));
  border: 1px solid rgba(255,255,255,.09);
  box-shadow:
    0 1px 0 rgba(255,255,255,.05) inset,
    0 6px 16px rgba(0,0,0,.28);
  transition: transform .25s var(--ease), border-color .25s var(--ease);
}
.sec-01__trust-item:hover {
  transform: translateY(-2px);
  border-color: rgba(255,183,3,.35);
}
.sec-01__trust-item i {
  color: var(--gold);
  font-size: 13px;
}

/* ---- HERO IMAGE ---- */
.sec-01__col-img {
  display: flex;
  justify-content: flex-end;
  align-items: center;
}

.sec-01__img-wrap {
  position: relative;
  width: 100%;
  max-width: 600px;
  filter: drop-shadow(0 40px 60px rgba(0,0,0,.55));
  animation: sec01-float 7s var(--ease) infinite alternate;
}
@keyframes sec01-float {
  from { transform: translateY(0); }
  to   { transform: translateY(-12px); }
}

/* soft gold ring halo sitting behind the composite */
.sec-01__img-ring {
  position: absolute;
  z-index: 0;
  left: 50%;
  top: 48%;
  width: 86%;
  aspect-ratio: 1;
  transform: translate(-50%, -50%);
  border-radius: 50%;
  background: radial-gradient(circle at 50% 45%,
    rgba(255,183,3,.30) 0%,
    rgba(251,133,0,.14) 40%,
    rgba(251,133,0,0) 68%);
  filter: blur(8px);
}

.sec-01__img {
  position: relative;
  z-index: 1;
  display: block;
  width: 100%;
  height: auto;
}

/* floating cashback badge — premium pill */
.sec-01__badge {
  position: absolute;
  z-index: 2;
  left: -6%;
  bottom: 14%;
  display: flex;
  flex-direction: column;
  gap: 2px;
  padding: 14px 22px;
  border-radius: 16px;
  background: var(--gold-grad);
  color: #1a1200;
  box-shadow:
    0 0 0 1px rgba(255,255,255,.25) inset,
    0 18px 40px rgba(251,133,0,.40),
    0 6px 14px rgba(0,0,0,.35);
  animation: sec01-float-badge 5.5s var(--ease) infinite alternate;
}
@keyframes sec01-float-badge {
  from { transform: translateY(0); }
  to   { transform: translateY(-9px); }
}
.sec-01__badge-amt {
  font-family: var(--font);
  font-weight: 900;
  font-size: 26px;
  line-height: 1;
  letter-spacing: -.02em;
}
.sec-01__badge-label {
  font-family: var(--font);
  font-weight: 600;
  font-size: 11.5px;
  letter-spacing: .04em;
  text-transform: uppercase;
  opacity: .82;
}

/* ---- RESPONSIVE ≤980px ---- */
@media (max-width: 980px) {
  .sec-01__hero {
    grid-template-columns: 1fr;
    gap: 40px;
    text-align: center;
    padding: 48px 0 110px;
    min-height: 0;
  }
  .sec-01__col-text { max-width: 640px; margin: 0 auto; }
  .sec-01__sub { max-width: none; margin-left: auto; margin-right: auto; }
  .sec-01__eyebrow,
  .sec-01__actions,
  .sec-01__trust { justify-content: center; }
  .sec-01__col-img { justify-content: center; order: 2; }
  .sec-01__img-wrap { max-width: 480px; }
  .sec-01__links { gap: 18px; }
  .sec-01__links a { font-size: 14px; }
}

/* ---- MOBILE ≤768px ---- */
@media (max-width: 768px) {
  .sec-01__nav {
    padding: 12px 16px;
    margin-top: 12px;
    border-radius: 14px;
  }
  .sec-01__logo img { height: 60px; }
  .sec-01__nav { position: relative; }
  .sec-01__burger { display: inline-flex; }
  .sec-01__links {
    display: none;
    position: absolute;
    top: calc(100% + 10px);
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: var(--ink-0);
    border: 1px solid var(--line-dark);
    border-radius: 14px;
    padding: 8px;
    z-index: 50;
    box-shadow: var(--shadow-lg);
  }
  .sec-01__links.open { display: flex; }
  .sec-01__links li { width: 100%; }
  .sec-01__links a { display: block; padding: 13px 16px; font-size: 16px; }
  .sec-01__links a:not(.sec-01__nav-cta)::after { display: none; }
  .sec-01__links .sec-01__nav-cta { text-align: center; margin: 6px; }

  .sec-01__hero {
    gap: 32px;
    padding: 36px 0 96px;
  }
  .sec-01__title { font-size: clamp(28px, 9vw, 40px); margin-bottom: 18px; }
  .sec-01__sub { font-size: 15.5px; margin-bottom: 28px; }

  .sec-01__cta { align-self: center; width: 100%; max-width: 320px; }
  .sec-01__actions { width: 100%; }

  .sec-01__trust { gap: 8px; }
  .sec-01__trust-item { font-size: 12.5px; padding: 8px 13px; }

  .sec-01__img-wrap { max-width: 380px; }
  .sec-01__badge { left: -2%; bottom: 10%; padding: 11px 16px; }
  .sec-01__badge-amt { font-size: 21px; }
  .sec-01__badge-label { font-size: 10px; }

  /* calm the motion on small screens */
  .sec-01__glow--img,
  .sec-01__img-wrap,
  .sec-01__badge { animation: none; }
}

@media (prefers-reduced-motion: reduce) {
  .sec-01__glow--img,
  .sec-01__img-wrap,
  .sec-01__badge { animation: none; }
}

/* ===== 02-why-choose.css ===== */
/* ===== Section 02 — Why Choose ===== */
.sec-02 {
  position: relative;
  background: var(--cream);
  padding: 88px 0 100px;
  overflow: hidden;
}
/* faint warm grain/edge to lift off pure white */
/* (removed top hairline — the hero wave provides the transition) */

/* --- Heading --- */
.sec-02__head {
  text-align: center;
  margin: 0 auto 56px;
  max-width: 760px;
}
.sec-02__heading {
  font-weight: 800;
  color: var(--ink-text);
  text-align: center;
  margin: 0;
}

/* --- Grid --- */
.sec-02__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
  align-items: stretch;
}

/* shared card */
.sec-02__col {
  position: relative;
  isolation: isolate;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 30px 28px 36px;
  box-shadow: var(--shadow-md);
  transition: transform .4s var(--ease), box-shadow .4s var(--ease), border-color .4s var(--ease);
}
.sec-02__col:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg), 0 0 0 3px var(--gold-tint);
  border-color: transparent;
}

/* corner index numerals */
.sec-02__num {
  position: absolute;
  top: 18px;
  right: 22px;
  font-family: var(--font);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .06em;
  color: var(--grey-300);
  z-index: 3;
}
.sec-02__num--light { color: rgba(255,255,255,.4); }

/* --- the emphasized feature card --- */
.sec-02__col--feature {
  background:
    radial-gradient(115% 75% at 50% 0%, var(--ink-2) 0%, var(--ink) 60%, var(--ink-0) 100%);
  border-color: var(--ink-3);
  box-shadow: var(--shadow-lg), var(--shadow-gold);
  transform: translateY(-14px);
  padding-top: 38px;
}
.sec-02__col--feature:hover {
  transform: translateY(-22px);
  box-shadow: var(--shadow-lg), 0 26px 64px rgba(251,133,0,.34), 0 0 0 3px var(--gold-tint);
  border-color: var(--ink-3);
}
/* hairline gold rim on top edge of the feature card */
.sec-02__col--feature::after {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: inherit;
  padding: 1px;
  background: linear-gradient(180deg, var(--gold-soft), rgba(251,133,0,0) 42%);
  -webkit-mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0);
  -webkit-mask-composite: xor;
          mask-composite: exclude;
  pointer-events: none;
  z-index: 1;
}

/* floating badge on feature card */
.sec-02__badge {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-family: var(--font);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: #1a1200;
  background: var(--gold-grad);
  padding: 8px 16px;
  border-radius: 100px;
  box-shadow: 0 8px 22px rgba(251,133,0,.4);
  z-index: 4;
  white-space: nowrap;
}
.sec-02__badge::before {
  content: "";
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: #1a1200;
}

/* --- Illustration + gold blob --- */
.sec-02__art {
  position: relative;
  display: flex;
  align-items: flex-end;
  justify-content: center;
  width: 100%;
  height: 220px;
  margin-bottom: 22px;
}
.sec-02__art img {
  position: relative;
  z-index: 2;
  display: block;
  height: auto;
  max-width: 100%;
  filter: drop-shadow(0 16px 26px rgba(16,16,18,.16));
  transition: transform .5s var(--ease);
}
.sec-02__col:hover .sec-02__art img { transform: translateY(-4px) scale(1.03); }

/* refined gold blob behind the art */
.sec-02__blob {
  position: absolute;
  z-index: 1;
  bottom: 14px;
  left: 50%;
  width: 200px;
  height: 158px;
  transform: translateX(-50%);
  background: radial-gradient(circle at 50% 45%, var(--gold-soft) 0%, var(--gold) 48%, rgba(251,133,0,.78) 100%);
  border-radius: 56% 44% 52% 48% / 58% 56% 44% 42%;
  filter: blur(.4px);
  box-shadow: 0 22px 46px rgba(251,133,0,.28);
  transition: transform .6s var(--ease);
}
.sec-02__col:hover .sec-02__blob { transform: translateX(-50%) scale(1.06) rotate(-3deg); }

.sec-02__blob--feature {
  width: 232px;
  height: 178px;
  background: radial-gradient(circle at 50% 42%, var(--gold-soft) 0%, var(--gold) 46%, var(--orange-deep) 100%);
  box-shadow: 0 26px 60px rgba(251,133,0,.45);
}

/* --- Text block --- */
.sec-02__txt {
  display: flex;
  flex-direction: column;
  align-items: center;
}
.sec-02__title {
  font-family: var(--font);
  font-size: 23px;
  font-weight: 800;
  line-height: 1.24;
  letter-spacing: -.01em;
  color: var(--ink-text);
  margin: 0 0 12px;
  max-width: 250px;
}
.sec-02__body {
  font-family: var(--font);
  font-size: 15.5px;
  font-weight: 400;
  line-height: 1.62;
  color: var(--grey);
  margin: 0;
  max-width: 290px;
}

/* feature card text on dark */
.sec-02__col--feature .sec-02__title { color: #fff; }
.sec-02__col--feature .sec-02__body { color: var(--grey-200); }

/* ===== Tablet ===== */
@media (max-width: 900px) {
  .sec-02__grid { gap: 20px; }
  .sec-02__col { padding: 26px 20px 30px; }
  .sec-02__title { font-size: 21px; }
}

/* ===== Mobile ===== */
@media (max-width: 768px) {
  .sec-02 { padding: 60px 0 70px; }
  .sec-02__head { margin-bottom: 40px; }
  .sec-02__grid {
    grid-template-columns: 1fr;
    gap: 40px;
    max-width: 420px;
    margin: 0 auto;
  }
  /* level the feature card on mobile so it doesn't overlap badge */
  .sec-02__col--feature { transform: none; margin-top: 8px; }
  .sec-02__col--feature:hover { transform: translateY(-8px); }
  .sec-02__col:hover { transform: translateY(-6px); }
  .sec-02__art { height: 200px; }
  .sec-02__title, .sec-02__body { max-width: 320px; }
}

/* ===== 03-transform.css ===== */
/* ===== SECTION 03 — TRANSFORM YOUR FINANCES ===== */
.sec-03{
  position:relative;
  background:var(--cream);
  padding:clamp(64px,8vw,104px) 0 clamp(72px,9vw,116px);
  overflow:hidden;
}
/* soft warm glow anchoring the section, low and to the right */
.sec-03::before{
  content:"";
  position:absolute;
  top:-12%;
  right:-8%;
  width:46vw;
  height:46vw;
  max-width:640px;max-height:640px;
  background:radial-gradient(circle at 50% 50%,var(--gold-tint) 0%,rgba(255,183,3,0) 68%);
  filter:blur(8px);
  pointer-events:none;
  z-index:0;
}

.sec-03 .container{position:relative;z-index:1;}

.sec-03__head{
  text-align:center;
  max-width:740px;
  margin:0 auto clamp(40px,5vw,60px);
}
.sec-03__title{
  margin:0;
  color:var(--ink-text);
}

/* ---- outer light panel holding both columns ---- */
.sec-03__panel{
  position:relative;
  background:#fff;
  border:1px solid var(--line);
  border-radius:26px;
  padding:clamp(20px,3vw,40px);
  box-shadow:
    0 1px 0 rgba(255,255,255,.9) inset,
    0 2px 6px rgba(16,16,18,.04),
    0 28px 64px -28px rgba(16,16,18,.22);
}

.sec-03__grid{
  display:grid;
  grid-template-columns:0.85fr 1.15fr;   /* give the photo card more room */
  gap:clamp(28px,3vw,44px);
  align-items:stretch;
}

/* ---- LEFT: feature rows ---- */
.sec-03__features{
  display:flex;
  flex-direction:column;
  gap:14px;
  justify-content:center;
}

.sec-03__feature{
  position:relative;
  display:flex;
  align-items:center;
  gap:22px;
  padding:18px 20px;
  border-radius:18px;
  background:transparent;
  border:1px solid transparent;
  transition:transform .35s var(--ease),
             background .35s var(--ease),
             border-color .35s var(--ease),
             box-shadow .35s var(--ease);
}
.sec-03__feature:hover{
  transform:translateX(4px);
  background:linear-gradient(100deg,var(--gold-tint-2) 0%,rgba(255,183,3,0) 72%);
  border-color:rgba(255,183,3,.28);
  box-shadow:0 14px 30px -18px rgba(251,133,0,.45);
}

/* icon plinth — rounded tile that frames the existing illustration */
.sec-03__icon{
  position:relative;
  flex:0 0 auto;
  width:84px;
  height:84px;
  display:flex;
  align-items:center;
  justify-content:center;
  border-radius:20px;
  background:
    radial-gradient(120% 120% at 30% 18%,#fff 0%,var(--cream) 60%,#f4efe2 100%);
  border:1px solid var(--line);
  box-shadow:
    0 1px 0 #fff inset,
    0 10px 22px -12px rgba(16,16,18,.28);
  transition:transform .35s var(--ease),box-shadow .35s var(--ease),border-color .35s var(--ease);
}
.sec-03__icon::after{
  content:"";
  position:absolute;
  inset:0;
  border-radius:inherit;
  background:radial-gradient(90% 90% at 50% 110%,var(--gold-tint) 0%,rgba(255,183,3,0) 70%);
  opacity:0;
  transition:opacity .35s var(--ease);
}
.sec-03__feature:hover .sec-03__icon{
  transform:translateY(-3px) rotate(-2deg);
  border-color:rgba(255,183,3,.55);
  box-shadow:
    0 1px 0 #fff inset,
    0 16px 30px -14px rgba(251,133,0,.5);
}
.sec-03__feature:hover .sec-03__icon::after{opacity:1;}
.sec-03__icon img{
  position:relative;
  z-index:1;
  width:52px;
  height:52px;
  object-fit:contain;
  filter:drop-shadow(0 4px 8px rgba(16,16,18,.16));
  transition:transform .35s var(--ease);
}
.sec-03__feature:hover .sec-03__icon img{transform:scale(1.06);}

.sec-03__ftext{flex:1 1 auto;min-width:0;}
.sec-03__ftitle{
  margin:0 0 6px;
  font-family:var(--font);
  font-size:clamp(19px,1.5vw,22px);
  font-weight:700;
  line-height:1.25;
  letter-spacing:-.01em;
  color:var(--ink-text);
}
.sec-03__fdesc{
  margin:0;
  font-family:var(--font-inter);
  font-size:15px;
  font-weight:400;
  line-height:1.6;
  color:var(--grey);
}

/* ---- RIGHT: dark card — CLEAN SPLIT (text | photo), no overlap ---- */
.sec-03__card{
  position:relative;
  overflow:hidden;
  border-radius:22px;
  min-height:440px;
  display:flex;
  align-items:stretch;
  background:var(--ink-0);
  box-shadow:
    0 0 0 1px rgba(255,255,255,.05) inset,
    0 30px 60px -28px rgba(16,16,18,.6);
  isolation:isolate;
}

/* photo occupies the RIGHT half only — face fully visible, no text over it */
.sec-03__card-photo{
  position:relative;
  order:2;
  flex:1.25 1 0;
  align-self:stretch;
  background-image:url('assets/68e658d5a265ec97a6d0bb20.png');
  background-size:cover;
  background-position:center center;
  background-repeat:no-repeat;
  transition:transform 1.1s var(--ease);
}
/* soft blend only on the photo's LEFT edge so it melts into the dark text side */
.sec-03__card-photo::before{
  content:"";
  position:absolute;
  inset:0;
  pointer-events:none;
  background:linear-gradient(90deg,
    var(--ink-0) 0%,
    rgba(14,14,16,.55) 15%,
    rgba(14,14,16,0) 44%);
}
.sec-03__card:hover .sec-03__card-photo{transform:scale(1.04);}

/* scrim only used for the mobile banner (hidden on desktop split) */
.sec-03__card-scrim{display:none;}

.sec-03__card-body{
  position:relative;
  z-index:2;
  order:1;
  flex:1 1 0;
  min-width:0;          /* honor the flex ratio instead of pinning to content width */
  align-self:center;
  padding:clamp(22px,2.2vw,30px);
}

.sec-03__card-kicker{
  display:inline-flex;
  align-items:center;
  gap:8px;
  font-family:var(--font);
  font-size:12px;
  font-weight:700;
  letter-spacing:.18em;
  text-transform:uppercase;
  color:var(--gold);
  margin-bottom:16px;
}
.sec-03__card-kicker::before{
  content:"";
  width:22px;height:2px;
  background:var(--gold);
  border-radius:2px;
}

.sec-03__card-title{
  margin:0 0 16px;
  font-family:var(--font);
  font-size:clamp(22px,2vw,28px);
  font-weight:800;
  line-height:1.24;
  letter-spacing:-.01em;
  color:#fff;
  text-shadow:0 1px 16px rgba(0,0,0,.45);
}
.sec-03__card-desc{
  margin:0 0 26px;
  font-family:var(--font-inter);
  font-size:15.5px;
  font-weight:400;
  line-height:1.62;
  color:var(--grey-200);
  text-shadow:0 1px 12px rgba(0,0,0,.5);
}
.sec-03__card-btn{font-size:15px;white-space:nowrap;padding:14px 24px;}

/* ===== Tablet ===== */
@media (max-width:980px){
  .sec-03__grid{
    grid-template-columns:1fr;
    gap:clamp(24px,3vw,32px);
  }
  .sec-03__card{min-height:380px;}
}

/* ===== Mobile ===== */
@media (max-width:768px){
  .sec-03__panel{
    padding:14px;
    border-radius:20px;
  }
  .sec-03__features{gap:8px;}

  .sec-03__feature{
    padding:16px 12px;
    gap:16px;
  }
  .sec-03__feature:hover{transform:none;}

  .sec-03__icon{
    width:68px;
    height:68px;
    border-radius:16px;
  }
  .sec-03__icon img{width:42px;height:42px;}

  .sec-03__card{
    min-height:0;
    display:flex;
    flex-direction:column;
    align-items:stretch;
  }
  /* photo becomes a full-width banner on top */
  .sec-03__card-photo{
    order:1;
    flex:0 0 auto;
    width:100%;
    height:230px;
    background-position:center 22%;
  }
  .sec-03__card-photo::before{display:none;}
  /* re-enable scrim to fade the banner bottom into the body */
  .sec-03__card-scrim{
    display:block;
    position:absolute;
    inset:0;
    z-index:1;
    pointer-events:none;
    background:linear-gradient(180deg,
      rgba(14,14,16,0) 0%,
      rgba(14,14,16,.3) 40%,
      var(--ink-0) 64%,
      var(--ink-0) 100%);
  }
  .sec-03__card-body{
    order:2;
    max-width:100%;
    padding:24px 22px 30px;
  }
  .sec-03__card-btn{display:flex;width:100%;}
}

/* ===== 04-platform.css ===== */
/* ============================================================
   SECTION 04 — Financial Education Platform
   White bg; alternating image / text rows. Each image is a
   gold-line illustration on its own dark ground, sat in a
   rounded dark card so it reads as an intentional panel.
   ============================================================ */

.sec-04 {
  background: var(--cream);
  padding: 56px 0 60px;
}

.sec-04 .plat-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 54px;
  margin-bottom: 44px;
}
.sec-04 .plat-row:last-child { margin-bottom: 0; }

/* reversed rows: text on the left, image on the right */
.sec-04 .plat-row--reverse .plat-media { order: 2; }
.sec-04 .plat-row--reverse .plat-text  { order: 1; }

/* ---- media (dark card holding the illustration) ---- */
.sec-04 .plat-media {
  background: var(--ink);
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 18px 50px rgba(0, 0, 0, .10);
  aspect-ratio: 1280 / 698;   /* reserve space so the card never collapses */
}
.sec-04 .plat-media img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

/* ---- text ---- */
.sec-04 .plat-text { max-width: 500px; }

.sec-04 .plat-h {
  font-family: var(--font);
  font-size: 24px;
  font-weight: 700;
  line-height: 1.3;
  color: #000;
  margin: 0 0 16px;
}

.sec-04 .plat-p {
  font-family: var(--font);
  font-size: 16px;
  font-weight: 400;
  line-height: 1.6;
  color: #4a4a4a;
  margin: 0 0 14px;
}
.sec-04 .plat-p:last-child { margin-bottom: 0; }

/* ============================================================
   MOBILE (≤768px): single column, image above text.
   ============================================================ */
@media (max-width: 768px) {
  .sec-04 {
    padding: 40px 0 44px;
  }
  .sec-04 .plat-row {
    grid-template-columns: 1fr;
    gap: 20px;
    margin-bottom: 40px;
  }
  /* image always on top regardless of row direction */
  .sec-04 .plat-row--reverse .plat-media,
  .sec-04 .plat-media { order: 1; }
  .sec-04 .plat-row--reverse .plat-text,
  .sec-04 .plat-text { order: 2; max-width: 100%; }
}

/* ===== 05-pricing.css ===== */
/* ===================================================================
   SECTION 05 — PRICING  (full-bleed dark, premium comparison grid)
   =================================================================== */
.sec-05{
  background:
    radial-gradient(120% 80% at 50% -10%, #1f1d18 0%, rgba(31,29,24,0) 55%),
    var(--ink-0);
  padding:96px 0 104px;
  position:relative;
  overflow:hidden;
}
/* soft warm glow anchored behind the popular column */
.sec-05 .sec-05__glow{
  position:absolute;
  top:38%; left:50%;
  width:760px; height:560px;
  transform:translateX(-50%);
  background:radial-gradient(50% 50% at 50% 50%, rgba(251,133,0,.16) 0%, rgba(251,133,0,0) 70%);
  pointer-events:none;
  z-index:0;
}

/* ---- section intro ---- */
.sec-05 .price-intro{
  position:relative;
  z-index:1;
  text-align:center;
  max-width:780px;
  margin:0 auto 54px;
}
.sec-05 .price-head{
  color:var(--cream);
  margin:0 auto 18px;
  text-shadow:0 1px 0 rgba(0,0,0,.4);
}
.sec-05 .price-sub{
  font-family:var(--font-inter);
  font-size:16.5px;
  line-height:1.65;
  color:var(--grey-300);
  max-width:600px;
  margin:0 auto;
}

/* ===================================================================
   COMPARISON TABLE  (dark-card grid)
   =================================================================== */
.sec-05 .price-table{
  position:relative;
  z-index:1;
  width:100%;
  border-radius:20px;
}

/* shared 7-col grid: 1 label col + 6 tier cols. middle col (4th tier) wider */
.sec-05 .price-row{
  display:grid;
  grid-template-columns:1.35fr repeat(6, 1fr);
  align-items:stretch;
}

/* ---- header band ---- */
.sec-05 .price-row--head{
  align-items:end;
  margin-bottom:14px;
}
.sec-05 .price-corner{
  display:flex;
  flex-direction:column;
  justify-content:flex-end;
  padding:0 22px 16px;
}
.sec-05 .price-corner__k{
  font-family:var(--font);
  font-weight:700;
  font-size:13px;
  letter-spacing:.16em;
  text-transform:uppercase;
  color:var(--gold-3);
}
.sec-05 .price-corner__v{
  font-family:var(--font-inter);
  font-size:14px;
  color:var(--grey-300);
  margin-top:2px;
}
.sec-05 .tier-head{
  position:relative;
  display:flex;
  flex-direction:column;
  align-items:center;
  justify-content:flex-end;
  padding:0 6px 16px;
}

/* tier name pill — refined gold gradient */
.sec-05 .tier-pill{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-width:118px;
  height:38px;
  padding:0 18px;
  border-radius:150px;
  background:var(--gold-grad);
  color:#231700;
  font-family:var(--font);
  font-weight:700;
  font-size:14px;
  letter-spacing:.1em;
  box-shadow:0 6px 16px rgba(251,133,0,.28), inset 0 1px 0 rgba(255,255,255,.5);
}
.sec-05 .tier-pill--pop{
  min-width:130px;
  height:42px;
  font-size:15px;
  box-shadow:0 10px 26px rgba(251,133,0,.5), inset 0 1px 0 rgba(255,255,255,.6);
}

/* "most popular" ribbon */
.sec-05 .tier-ribbon{
  display:inline-flex;
  align-items:center;
  gap:6px;
  margin-bottom:12px;
  padding:5px 14px;
  border-radius:150px;
  background:rgba(255,183,3,.12);
  border:1px solid rgba(255,183,3,.45);
  color:var(--gold-soft);
  font-family:var(--font);
  font-weight:700;
  font-size:10.5px;
  letter-spacing:.18em;
  text-transform:uppercase;
}

/* ===================================================================
   BODY ROWS — dark panels w/ hairline separators + alt tint
   =================================================================== */
.sec-05 .price-row--price,
.sec-05 .price-row--alt,
.sec-05 .price-row:not(.price-row--head){
  background:var(--ink-2);
}
.sec-05 .price-row--alt{
  background:#1b1b1d;
}
.sec-05 .price-row--price{
  border-radius:16px 16px 0 0;
  border-top:1px solid var(--line-dark);
}
.sec-05 .price-row--sub{
  border-radius:0 0 16px 16px;
}
/* hairline between rows */
.sec-05 .price-row:not(.price-row--head):not(.price-row--price){
  box-shadow:inset 0 1px 0 rgba(255,255,255,.05);
}

/* ---- left label column ---- */
.sec-05 .price-label{
  display:flex;
  flex-direction:column;
  justify-content:center;
  padding:18px 24px;
  border-right:1px solid var(--line-dark);
}
.sec-05 .price-label__title{
  font-family:var(--font);
  font-weight:700;
  font-size:16px;
  color:var(--cream);
  line-height:1.3;
}
.sec-05 .price-label__sub{
  font-family:var(--font-inter);
  font-weight:400;
  font-size:13.5px;
  color:var(--grey-300);
  line-height:1.35;
  margin-top:2px;
}
.sec-05 .price-label__sub--bold{ font-weight:600;color:var(--grey-200); }

/* ---- generic tier body cell ---- */
.sec-05 .tier-cell{
  position:relative;
  display:flex;
  align-items:center;
  justify-content:center;
  text-align:center;
  padding:18px 12px;
  border-right:1px solid var(--line-dark);
  transition:background .25s var(--ease);
}
.sec-05 .price-row .tier-cell:last-child{ border-right:0; }

/* ---- cashback / price ---- */
.sec-05 .tier-price{
  font-family:var(--font);
  font-weight:800;
  font-size:38px;
  letter-spacing:-.02em;
  color:var(--cream);
  line-height:1;
}
.sec-05 .price-row--price .tier-cell{ padding-top:24px;padding-bottom:24px; }

/* ---- circular check icon (gold ring) ---- */
.sec-05 .tier-check{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width:32px;
  height:32px;
  border-radius:50%;
  background:radial-gradient(circle at 50% 35%, #2c2c30 0%, #161618 100%);
  border:1.5px solid rgba(255,183,3,.6);
  color:var(--gold);
  font-size:12px;
  box-shadow:0 2px 8px rgba(0,0,0,.4), inset 0 1px 0 rgba(255,255,255,.06);
}

/* ---- payments small text ---- */
.sec-05 .tier-pay{
  font-family:var(--font-inter);
  font-weight:400;
  font-size:13px;
  line-height:1.5;
  color:var(--grey-200);
  max-width:150px;
}
.sec-05 .tier-pay b{
  font-weight:700;
  color:var(--gold-soft);
}

/* ---- subscribe pill (gold gradient) ---- */
.sec-05 .tier-subscribe{
  position:relative;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-width:122px;
  height:48px;
  padding:0 20px;
  border-radius:150px;
  background:var(--gold-grad);
  background-size:140% 140%;
  color:#231700;
  font-family:var(--font);
  font-weight:700;
  font-size:15px;
  text-decoration:none;
  box-shadow:0 8px 20px rgba(251,133,0,.26), inset 0 1px 0 rgba(255,255,255,.5);
  transition:transform .25s var(--ease), box-shadow .25s var(--ease), background-position .4s var(--ease);
}
.sec-05 .tier-subscribe:hover{
  transform:translateY(-2px);
  background-position:100% 100%;
  box-shadow:0 14px 30px rgba(251,133,0,.42), inset 0 1px 0 rgba(255,255,255,.6);
}
.sec-05 .tier-subscribe:active{ transform:translateY(0); }

/* ===================================================================
   COLUMN HOVER — highlight the whole tier
   =================================================================== */
.sec-05 .price-table:hover .price-row .tier-cell{ transition-delay:0s; }
.sec-05 .tier-cell:hover{ background:rgba(255,183,3,.07); }

/* ===================================================================
   HIGHLIGHTED "MOST POPULAR" COLUMN  (PLATINUM, 4th tier)
   A raised, gold-bordered overlay spanning the column.
   =================================================================== */
.sec-05 .price-table{ position:relative; }

/* the popular cells get a warm tint + lift */
.sec-05 .tier-cell--pop{
  background:linear-gradient(180deg, rgba(255,183,3,.10) 0%, rgba(255,183,3,.05) 100%);
}
.sec-05 .tier-cell--pop .tier-price{
  color:#fff;
  text-shadow:0 0 24px rgba(255,183,3,.4);
}

/* the raised gold frame is drawn on the header pop cell, stretched down */
.sec-05 .tier-head--pop{
  z-index:2;
}
.sec-05 .tier-head--pop::before{
  content:"";
  position:absolute;
  left:2px; right:2px;
  top:46px;            /* below the ribbon+pill */
  height:620px;        /* spans the body rows incl. subscribe */
  border:1.5px solid rgba(255,183,3,.55);
  border-radius:18px;
  background:linear-gradient(180deg, rgba(255,183,3,.05), rgba(255,183,3,0) 60%);
  box-shadow:0 24px 60px rgba(251,133,0,.28), 0 0 0 1px rgba(255,183,3,.08);
  pointer-events:none;
  z-index:0;
}

/* ===================================================================
   MOBILE CARDS — hidden on desktop
   =================================================================== */
.sec-05 .price-cards{ display:none; }

/* ===================================================================
   RESPONSIVE
   =================================================================== */
@media (max-width:1080px){
  .sec-05 .tier-price{ font-size:30px; }
  .sec-05 .tier-pill{ min-width:96px;font-size:12.5px;padding:0 12px; }
  .sec-05 .tier-pill--pop{ min-width:104px; }
  .sec-05 .price-label{ padding:16px 16px; }
  .sec-05 .tier-cell{ padding:16px 8px; }
  .sec-05 .tier-pay{ font-size:12px; }
  .sec-05 .tier-subscribe{ min-width:100px;height:44px;font-size:14px;padding:0 12px; }
  .sec-05 .tier-head--pop::before{ height:600px; }
}

@media (max-width:768px){
  .sec-05{ padding:72px 0 80px; }
  .sec-05 .sec-05__glow{ top:30%;width:420px;height:420px; }

  .sec-05 .price-intro{ margin-bottom:38px; }
  .sec-05 .price-head{ font-size:clamp(26px,7vw,34px); }
  .sec-05 .price-sub{ font-size:15px; }

  /* hide the desktop grid */
  .sec-05 .price-table{ display:none; }

  /* show stacked tier cards */
  .sec-05 .price-cards{
    display:flex;
    flex-direction:column;
    gap:22px;
  }

  .sec-05 .price-card{
    position:relative;
    background:linear-gradient(180deg,var(--ink-2) 0%, #161618 100%);
    border:1px solid var(--line-dark);
    border-radius:18px;
    padding:28px 24px 26px;
    text-align:left;
    box-shadow:var(--shadow-lg);
  }
  .sec-05 .price-card .tier-pill{ margin-bottom:16px; }

  .sec-05 .price-card .tier-price{
    display:block;
    font-size:46px;
    line-height:1;
  }
  .sec-05 .price-card__cap{
    display:block;
    font-family:var(--font-inter);
    font-size:13px;
    letter-spacing:.04em;
    color:var(--grey-300);
    margin:4px 0 14px;
  }
  .sec-05 .price-card .tier-pay{
    max-width:none;
    margin:0 0 18px;
    padding:12px 14px;
    border-radius:12px;
    background:rgba(255,255,255,.04);
    border:1px solid var(--line-dark);
    color:var(--grey-200);
    font-size:14px;
  }

  .sec-05 .price-card__list{
    list-style:none;
    margin:0 0 22px;
    padding:0;
  }
  .sec-05 .price-card__list li{
    display:flex;
    align-items:center;
    gap:12px;
    font-family:var(--font-inter);
    font-weight:400;
    font-size:15px;
    color:var(--grey-200);
    padding:7px 0;
  }
  .sec-05 .price-card__list li .tier-check{
    width:26px;height:26px;font-size:11px;flex:0 0 auto;
  }

  .sec-05 .price-card .tier-subscribe{
    width:100%;
    height:52px;
    min-width:0;
  }

  /* highlighted mobile card */
  .sec-05 .price-card--pop{
    border-color:rgba(255,183,3,.5);
    box-shadow:0 24px 60px rgba(251,133,0,.28), var(--shadow-lg);
  }
  .sec-05 .price-card--pop .tier-ribbon{
    display:inline-flex;
    margin-bottom:14px;
  }
  .sec-05 .price-card--pop .tier-price{ color:#fff; }
}

@media (max-width:480px){
  .sec-05 .price-card .tier-price{ font-size:40px; }
}

/* ===== 06-band.css ===== */
/* ===== Section 06 — dark-to-white wave divider ===== */
/* Clean inline-SVG transition between the dark (#181818) pricing
   section above and the white (#fff) "3 steps" section below.
   Full-bleed, responsive, no portrait, no text. A soft gold accent
   line rides the crest of the wave for a premium fintech touch. */

.sec-06 {
  position: relative;
  width: 100%;
  height: clamp(72px, 7vw, 104px);
  /* cream base so the lower half reads as the next (cream) section;
     the dark SVG mass sits on top of it */
  background-color: var(--cream);
  line-height: 0;          /* kill inline-svg descender gap */
  overflow: hidden;
}

.sec-06 .band-wave {
  position: absolute;
  inset: -1px 0;           /* -1px top: hairline-overlap the dark section, no seam */
  width: 100%;
  height: calc(100% + 2px);
  display: block;
}

/* subtle depth where the dark mass meets the white below */
.sec-06 .band-mass {
  filter: drop-shadow(0 10px 22px rgba(14, 14, 16, .22));
}

/* faint warm glow seated under the gold crest line */
.sec-06 .band-line {
  filter: drop-shadow(0 0 6px var(--gold-glow));
}

@media (prefers-reduced-motion: reduce) {
  .sec-06 .band-line { filter: none; }
}

/* ===== 07-three-steps.css ===== */
/* ============ SECTION 07 — THREE STEPS ============ */
.sec-07 {
  position: relative;
  background: var(--cream);
  padding: 92px 0 104px;
  overflow: hidden;
}

/* subtle warm base so it's not a flat white */
/* (removed top white overlay — flat cream keeps the wave seam invisible) */

.sec-07__head {
  position: relative;
  text-align: center;
  max-width: 720px;
  margin: 0 auto 64px;
}

.sec-07__heading {
  font-weight: 800;
  color: var(--ink-text);
  margin: 0;
}

.sec-07__underline {
  position: relative;
  white-space: nowrap;
}
.sec-07__underline::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: 2px;
  height: 5px;
  border-radius: 4px;
  background: var(--gold-grad);
  opacity: .9;
}

.sec-07__sub {
  margin: 18px auto 0;
  max-width: 520px;
  font-family: var(--font-inter);
  font-size: 17px;
  line-height: 1.6;
  color: var(--grey);
}

/* ---- grid + connecting track ---- */
.sec-07__grid {
  position: relative;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

/* dashed/gradient track behind the badges (desktop only) */
.sec-07__track {
  position: absolute;
  top: 56px;                 /* aligns with badge centerline */
  left: 16%;
  right: 16%;
  height: 2px;
  background-image: linear-gradient(90deg, var(--gold) 0 14px, transparent 14px 26px);
  background-size: 26px 2px;
  background-repeat: repeat-x;
  opacity: .55;
  z-index: 0;
}

/* ---- step card ---- */
.sec-07__step {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 40px 30px 36px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 22px;
  box-shadow: var(--shadow-md);
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s var(--ease);
}

/* middle step sits a touch higher + warmer for intentional hierarchy */
.sec-07__step--mid {
  background: linear-gradient(180deg, #fff 0%, #FFFDF6 100%);
  border-color: rgba(255,183,3,.32);
  box-shadow: var(--shadow-lg), 0 0 0 1px rgba(255,183,3,.12) inset;
}
@media (min-width: 769px) {
  .sec-07__step--mid { transform: translateY(-16px); }
  .sec-07__step--mid:hover { transform: translateY(-24px); }
}

.sec-07__step:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(255,183,3,.45);
}

/* ---- numbered gold badge ---- */
.sec-07__badge {
  position: relative;
  width: 80px;
  height: 80px;
  margin-bottom: 26px;
  display: grid;
  place-items: center;
  border-radius: 22px;
  background: var(--gold-grad);
  background-size: 160% 160%;
  box-shadow:
    0 14px 28px rgba(251,133,0,.34),
    0 0 0 6px rgba(255,183,3,.12),
    inset 0 1px 0 rgba(255,255,255,.45);
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), background-position .5s var(--ease);
}

.sec-07__step:hover .sec-07__badge {
  transform: translateY(-3px) rotate(-3deg);
  background-position: 100% 100%;
  box-shadow:
    0 20px 38px rgba(251,133,0,.46),
    0 0 0 7px rgba(255,183,3,.16),
    inset 0 1px 0 rgba(255,255,255,.5);
}

.sec-07__num {
  font-family: var(--font);
  font-weight: 800;
  font-size: 30px;
  letter-spacing: -.02em;
  line-height: 1;
  color: #2A1A00;
  transition: opacity .3s var(--ease), transform .3s var(--ease);
}

/* icon swaps in over the number on hover for delight */
.sec-07__icon {
  position: absolute;
  font-size: 30px;
  color: #2A1A00;
  opacity: 0;
  transform: scale(.6);
  transition: opacity .3s var(--ease), transform .3s var(--ease);
}

.sec-07__step:hover .sec-07__num {
  opacity: 0;
  transform: scale(.7);
}
.sec-07__step:hover .sec-07__icon {
  opacity: 1;
  transform: scale(1);
}

.sec-07__step-title {
  font-family: var(--font);
  font-size: 21px;
  font-weight: 700;
  line-height: 1.3;
  letter-spacing: -.01em;
  color: var(--ink-text);
  margin: 0 0 12px;
}

.sec-07__step-body {
  font-family: var(--font-inter);
  font-size: 15.5px;
  font-weight: 400;
  line-height: 1.6;
  color: var(--grey);
  margin: 0;
  max-width: 280px;
}

/* ---- tablet ---- */
@media (max-width: 980px) and (min-width: 769px) {
  .sec-07__step { padding: 34px 22px 30px; }
  .sec-07__track { left: 14%; right: 14%; }
}

/* ---- mobile ---- */
@media (max-width: 768px) {
  .sec-07 { padding: 64px 0 72px; }
  .sec-07__head { margin: 0 0 44px; }
  .sec-07__grid {
    grid-template-columns: 1fr;
    gap: 22px;
  }
  .sec-07__track { display: none; }
  .sec-07__step { padding: 34px 26px 32px; }
  .sec-07__step--mid { transform: none; }
  .sec-07__badge { width: 72px; height: 72px; margin-bottom: 22px; }
  .sec-07__num,
  .sec-07__icon { font-size: 27px; }
}

/* ===== 08-cta-band.css ===== */
/* ===== Section 08 — CTA band (premium split panel on white) ===== */
.sec-08 {
  background: var(--cream);
  padding: 40px 0 56px;
}

/* ---- the panel ---- */
.sec-08 .sec-08__panel {
  position: relative;
  overflow: hidden;
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  align-items: center;
  gap: 32px;
  padding: 64px 64px 64px 68px;
  border-radius: 30px;
  background:
    radial-gradient(120% 140% at 100% 0%, rgba(255,183,3,.10), transparent 55%),
    linear-gradient(160deg, var(--ink) 0%, var(--ink-0) 100%);
  border: 1px solid rgba(255,255,255,.06);
  box-shadow:
    var(--shadow-lg),
    inset 0 1px 0 rgba(255,255,255,.05);
  isolation: isolate;
}

/* radial gold glow anchored bottom-right behind visual */
.sec-08 .sec-08__glow {
  position: absolute;
  z-index: 0;
  right: -8%;
  bottom: -30%;
  width: 540px;
  height: 540px;
  border-radius: 50%;
  background: radial-gradient(circle, var(--gold-glow) 0%, rgba(251,133,0,.12) 38%, transparent 70%);
  filter: blur(8px);
  pointer-events: none;
}

/* subtle dotted grid texture (top-left, low opacity) */
.sec-08 .sec-08__grid {
  position: absolute;
  z-index: 0;
  inset: 0;
  background-image: radial-gradient(rgba(255,255,255,.5) 1px, transparent 1.4px);
  background-size: 26px 26px;
  -webkit-mask-image: radial-gradient(120% 100% at 0% 0%, #000 0%, transparent 55%);
          mask-image: radial-gradient(120% 100% at 0% 0%, #000 0%, transparent 55%);
  opacity: .05;
  pointer-events: none;
}

/* ---- copy column ---- */
.sec-08 .sec-08__copy {
  position: relative;
  z-index: 2;
  max-width: 540px;
}

.sec-08 .sec-08__eyebrow {
  margin-bottom: 18px;
}

.sec-08 .sec-08__title {
  margin: 0;
  font-family: var(--font);
  font-size: clamp(30px, 3.4vw, 46px);
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -.018em;
  color: var(--white);
}

.sec-08 .sec-08__sub {
  margin: 20px 0 0;
  max-width: 460px;
  font-family: var(--font);
  font-size: 16.5px;
  font-weight: 400;
  line-height: 1.6;
  color: var(--grey-200);
}

.sec-08 .sec-08__actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 18px 22px;
  margin-top: 34px;
}

.sec-08 .sec-08__cta .sec-08__arrow {
  transition: transform .3s var(--ease);
}
.sec-08 .sec-08__cta:hover .sec-08__arrow {
  transform: translateX(4px);
}

.sec-08 .sec-08__trust {
  margin: 0;
  font-family: var(--font);
  font-size: 13.5px;
  font-weight: 500;
  letter-spacing: .01em;
  color: var(--grey-300);
}

/* ---- visual column ---- */
.sec-08 .sec-08__visual {
  position: relative;
  z-index: 1;
  align-self: stretch;
  min-height: 320px;
  display: flex;
  align-items: center;
  justify-content: center;
}

/* concentric gold halo behind device */
.sec-08 .sec-08__halo {
  position: absolute;
  z-index: 0;
  width: 340px;
  height: 340px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255,183,3,.18) 0%, transparent 62%);
  border: 1px solid rgba(255,183,3,.16);
  box-shadow: 0 0 0 22px rgba(255,183,3,.04);
}

.sec-08 .sec-08__device {
  position: relative;
  z-index: 1;
  width: 100%;
  max-width: 400px;
  filter: drop-shadow(0 30px 50px rgba(0,0,0,.45));
  animation: sec08-float 7s var(--ease) infinite;
}

/* ---- floating stat chips ---- */
.sec-08 .sec-08__chip {
  position: absolute;
  z-index: 2;
  display: flex;
  flex-direction: column;
  gap: 2px;
  padding: 13px 18px;
  border-radius: 16px;
  background: linear-gradient(150deg, rgba(34,34,37,.92), rgba(20,20,22,.92));
  border: 1px solid rgba(255,183,3,.38);
  box-shadow:
    0 16px 36px rgba(0,0,0,.42),
    inset 0 1px 0 rgba(255,255,255,.06);
  -webkit-backdrop-filter: blur(2px);
          backdrop-filter: blur(2px);
}

.sec-08 .sec-08__chip--a {
  top: 6%;
  right: -2%;
  animation: sec08-drift-a 8s var(--ease) infinite;
}

.sec-08 .sec-08__chip--b {
  flex-direction: row;
  align-items: center;
  gap: 9px;
  bottom: 10%;
  left: -4%;
  animation: sec08-drift-b 9s var(--ease) infinite;
}

.sec-08 .sec-08__chip-amt {
  font-family: var(--font);
  font-size: 18px;
  font-weight: 800;
  letter-spacing: -.01em;
  color: var(--gold);
}

.sec-08 .sec-08__chip-label {
  font-family: var(--font);
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: .04em;
  text-transform: uppercase;
  color: var(--grey-300);
}
.sec-08 .sec-08__chip-label--b {
  text-transform: none;
  letter-spacing: 0;
  font-size: 14px;
  font-weight: 600;
  color: var(--white);
}

.sec-08 .sec-08__chip-dot {
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: var(--gold);
  box-shadow: 0 0 0 4px rgba(255,183,3,.18);
  flex: none;
}

/* ---- motion ---- */
@keyframes sec08-float {
  0%, 100% { transform: translateY(0); }
  50%      { transform: translateY(-12px); }
}
@keyframes sec08-drift-a {
  0%, 100% { transform: translateY(0); }
  50%      { transform: translateY(-9px); }
}
@keyframes sec08-drift-b {
  0%, 100% { transform: translateY(0); }
  50%      { transform: translateY(8px); }
}
@media (prefers-reduced-motion: reduce) {
  .sec-08 .sec-08__device,
  .sec-08 .sec-08__chip--a,
  .sec-08 .sec-08__chip--b { animation: none; }
}

/* ===== Tablet ===== */
@media (max-width: 980px) {
  .sec-08 .sec-08__panel {
    grid-template-columns: 1fr;
    gap: 20px;
    padding: 52px 44px;
    text-align: center;
  }
  .sec-08 .sec-08__copy { max-width: 620px; margin: 0 auto; }
  .sec-08 .sec-08__eyebrow { justify-content: center; }
  .sec-08 .sec-08__sub { margin-left: auto; margin-right: auto; }
  .sec-08 .sec-08__actions { justify-content: center; }
  .sec-08 .sec-08__visual { min-height: 300px; margin-top: 12px; }
  .sec-08 .sec-08__glow { right: 50%; transform: translateX(50%); bottom: -22%; }
}

/* ===== Mobile ===== */
@media (max-width: 768px) {
  .sec-08 { padding: 28px 0 40px; }

  .sec-08 .sec-08__panel {
    padding: 40px 24px 36px;
    border-radius: 24px;
    gap: 12px;
  }
  .sec-08 .sec-08__sub { font-size: 15.5px; }

  .sec-08 .sec-08__actions {
    flex-direction: column;
    gap: 14px;
  }
  .sec-08 .sec-08__cta { width: 100%; max-width: 320px; }

  .sec-08 .sec-08__visual { min-height: 250px; }
  .sec-08 .sec-08__device { max-width: 290px; }
  .sec-08 .sec-08__halo { width: 250px; height: 250px; }

  .sec-08 .sec-08__chip { padding: 10px 14px; }
  .sec-08 .sec-08__chip-amt { font-size: 15px; }
  .sec-08 .sec-08__chip--a { top: 2%; right: 2%; }
  .sec-08 .sec-08__chip--b { bottom: 8%; left: 0; }
}

@media (max-width: 380px) {
  .sec-08 .sec-08__chip--a { right: -2%; }
  .sec-08 .sec-08__chip-label { font-size: 10.5px; }
}

/* ===== 09-faq.css ===== */
/* ===== Section 09 — FAQ accordion ===== */
.sec-09 {
  position: relative;
  background: var(--cream);
  padding: 96px 0 104px;
  overflow: hidden;
}

/* asymmetric two-column layout */
.sec-09 .faq-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.86fr) minmax(0, 1.3fr);
  gap: 56px 72px;
  align-items: start;
}

/* ---- intro / left rail ---- */
.sec-09 .faq-intro {
  position: sticky;
  top: 96px;
}

.sec-09 .faq-heading {
  font-weight: 800;
  color: var(--ink-text);
  text-align: left;
  margin: 0 0 18px;
}

.sec-09 .faq-sub {
  font-family: var(--font-inter);
  font-size: 16.5px;
  line-height: 1.65;
  color: var(--grey);
  max-width: 38ch;
  margin: 0 0 32px;
}

.sec-09 .faq-intro-card {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 20px 22px;
  border-radius: 16px;
  background: linear-gradient(135deg, var(--ink) 0%, var(--ink-0) 100%);
  box-shadow: var(--shadow-md), inset 0 1px 0 rgba(255, 255, 255, .05);
  max-width: 380px;
}

.sec-09 .faq-intro-icon {
  flex: 0 0 auto;
  display: grid;
  place-items: center;
  width: 46px;
  height: 46px;
  border-radius: 12px;
  font-size: 20px;
  color: #1a1200;
  background: var(--gold-grad);
  box-shadow: 0 6px 16px rgba(251, 133, 0, .35);
}

.sec-09 .faq-intro-card-title {
  margin: 0 0 3px;
  font-family: var(--font);
  font-weight: 700;
  font-size: 15.5px;
  color: #fff;
}

.sec-09 .faq-intro-card-text {
  margin: 0;
  font-family: var(--font-inter);
  font-size: 13.5px;
  line-height: 1.5;
  color: var(--grey-300);
}

/* ---- accordion / right column ---- */
.sec-09 .faq-accordion {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

/* each card */
.sec-09 .faq-item {
  position: relative;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  box-shadow: var(--shadow-sm);
  transition: border-color .3s var(--ease), box-shadow .3s var(--ease), transform .3s var(--ease), background .3s var(--ease);
}

.sec-09 .faq-item:hover {
  border-color: rgba(251, 133, 0, .38);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

/* open state — warm tint, gold ring, lift */
.sec-09 .faq-item[open] {
  background: linear-gradient(180deg, var(--gold-tint-2), #fff 60%);
  border-color: rgba(251, 133, 0, .55);
  box-shadow: 0 0 0 1px rgba(251, 133, 0, .25), var(--shadow-md);
  transform: none;
}

/* question row (clickable summary) */
.sec-09 .faq-q {
  list-style: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding: 22px 24px;
  font-family: var(--font);
  -webkit-tap-highlight-color: transparent;
}

.sec-09 .faq-q::-webkit-details-marker { display: none; }

.sec-09 .faq-q-text {
  font-family: var(--font);
  font-size: 18.5px;
  font-weight: 700;
  line-height: 1.35;
  letter-spacing: -.01em;
  color: var(--ink-text);
  transition: color .25s var(--ease);
}

.sec-09 .faq-item[open] .faq-q-text { color: var(--ink-text); }
.sec-09 .faq-item:hover .faq-q-text { color: #000; }

/* chevron sits in a soft pill that turns gold when open */
.sec-09 .faq-chevron {
  flex: 0 0 auto;
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  border-radius: 10px;
  background: var(--cream);
  border: 1px solid var(--line);
  color: var(--grey);
  font-size: 13px;
  transition: transform .35s var(--ease), background .3s var(--ease), color .3s var(--ease), border-color .3s var(--ease);
}

.sec-09 .faq-q:hover .faq-chevron {
  border-color: rgba(251, 133, 0, .4);
  color: var(--gold-3);
}

.sec-09 .faq-item[open] .faq-chevron {
  transform: rotate(180deg);
  background: var(--gold-grad);
  border-color: transparent;
  color: #1a1200;
  box-shadow: 0 5px 14px rgba(251, 133, 0, .32);
}

/* answer body — smooth grid-rows reveal (animates grid track, not layout props) */
.sec-09 .faq-a {
  display: grid;
  grid-template-rows: 0fr;
  opacity: 0;
  transition: grid-template-rows .42s var(--ease), opacity .32s var(--ease);
}

.sec-09 .faq-item[open] .faq-a {
  grid-template-rows: 1fr;
  opacity: 1;
}

/* the <p> is the clipping track child: it must be overflow:hidden + min-height:0 */
.sec-09 .faq-a > p {
  overflow: hidden;
  min-height: 0;
  margin: 0 24px;
  padding: 18px 0 24px;
  font-family: var(--font-inter);
  font-size: 16px;
  font-weight: 400;
  line-height: 1.7;
  color: var(--grey);
  border-top: 1px solid var(--line);
}

/* keep a touch of breathing room between the question and the divider */
.sec-09 .faq-item[open] .faq-q { padding-bottom: 16px; }

@media (prefers-reduced-motion: reduce) {
  .sec-09 .faq-a { transition: none; }
  .sec-09 .faq-chevron { transition: none; }
}

/* ===== Tablet ===== */
@media (max-width: 980px) {
  .sec-09 .faq-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .sec-09 .faq-intro {
    position: static;
    top: auto;
  }
  .sec-09 .faq-heading { text-align: left; }
  .sec-09 .faq-sub { max-width: 56ch; }
  .sec-09 .faq-intro-card { max-width: 100%; }
}

/* ===== Mobile ≤768px ===== */
@media (max-width: 768px) {
  .sec-09 { padding: 64px 0 72px; }

  .sec-09 .faq-grid { gap: 32px; }

  .sec-09 .faq-q { padding: 18px 18px; gap: 14px; }

  .sec-09 .faq-q-text { font-size: 16.5px; }

  .sec-09 .faq-chevron { width: 30px; height: 30px; font-size: 12px; }

  .sec-09 .faq-a > p {
    padding: 16px 18px 20px;
    font-size: 15px;
  }

  .sec-09 .faq-item[open] .faq-q { padding-bottom: 14px; }
}

/* ===== 10-contact.css ===== */
/* ===== Section 10 — Contact ===== */
.sec-10 {
  position: relative;
  background: var(--cream);
  padding: 96px 0 104px;
  overflow: hidden;
}

/* warm ambient glow anchored behind the form */
.sec-10 .sec-10__glow {
  position: absolute;
  top: -120px;
  left: -140px;
  width: 520px;
  height: 520px;
  border-radius: 50%;
  background: radial-gradient(circle, var(--gold-glow) 0%, rgba(251,133,0,0) 68%);
  opacity: .14;
  pointer-events: none;
  z-index: 0;
}

.sec-10 .container { position: relative; z-index: 1; }

.sec-10 .contact-grid {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 72px;
  align-items: center;
}

/* ============ LEFT: form card ============ */
.sec-10 .contact-card {
  position: relative;
  background:
    linear-gradient(180deg, #ffffff 0%, var(--cream) 100%);
  border: 1px solid var(--line);
  border-radius: 22px;
  box-shadow: var(--shadow-lg);
  padding: 48px 44px 40px;
}

/* hairline gold edge along the top for a struck-metal feel */
.sec-10 .contact-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 4px;
  border-radius: 22px 22px 0 0;
  background: var(--gold-grad);
  opacity: .9;
}

/* floating eyebrow tab sitting on the card edge */
.sec-10 .contact-card__tab {
  position: absolute;
  top: -14px;
  left: 44px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font);
  font-weight: 700;
  font-size: 11px;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: #1a1200;
  background: var(--gold-grad);
  padding: 7px 16px;
  border-radius: 100px;
  box-shadow: 0 8px 20px rgba(251,133,0,.32);
}

.sec-10 .card-title {
  font-family: var(--font-inter);
  font-size: 30px;
  font-weight: 800;
  letter-spacing: -.02em;
  line-height: 1.15;
  color: var(--ink-text);
  margin: 6px 0 30px;
}

.sec-10 .contact-form {
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.sec-10 .field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.sec-10 .field { display: flex; flex-direction: column; }

.sec-10 .field label {
  font-family: var(--font-inter);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: .04em;
  text-transform: uppercase;
  color: var(--grey-blue);
  margin-bottom: 8px;
}

.sec-10 .field .req { color: var(--gold-3); font-weight: 700; }

.sec-10 .contact-form input,
.sec-10 .contact-form textarea {
  width: 100%;
  font-family: var(--font-inter);
  font-size: 15px;
  color: var(--ink-text);
  background: #fff;
  border: 1.5px solid var(--line);
  border-radius: 12px;
  padding: 13px 15px;
  transition: border-color .2s var(--ease), box-shadow .2s var(--ease), background .2s var(--ease);
}

.sec-10 .contact-form input::placeholder,
.sec-10 .contact-form textarea::placeholder {
  color: #aab0bb;
}

.sec-10 .contact-form input:hover,
.sec-10 .contact-form textarea:hover {
  border-color: #d2d2d2;
}

.sec-10 .contact-form input:focus,
.sec-10 .contact-form textarea:focus {
  outline: none;
  border-color: var(--gold);
  background: var(--gold-tint-2);
  box-shadow: 0 0 0 4px var(--gold-tint);
}

.sec-10 .contact-form textarea {
  resize: vertical;
  min-height: 90px;
  line-height: 1.55;
}

/* inputs with a leading gold icon */
.sec-10 .input-icon { position: relative; }

.sec-10 .input-icon svg {
  position: absolute;
  top: 50%;
  left: 14px;
  width: 18px;
  height: 18px;
  transform: translateY(-50%);
  color: var(--gold-3);
  pointer-events: none;
  transition: color .2s var(--ease);
}

.sec-10 .input-icon input { padding-left: 42px; }
.sec-10 .input-icon:focus-within svg { color: var(--orange-deep); }

/* gold submit button */
.sec-10 .contact-submit {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  width: 100%;
  margin-top: 6px;
  font-family: var(--font);
  font-size: 16px;
  font-weight: 700;
  color: #1a1200;
  background: var(--gold-grad);
  background-size: 140% 140%;
  border: none;
  border-radius: 100px;
  padding: 16px 24px;
  cursor: pointer;
  box-shadow: 0 10px 26px rgba(251,133,0,.30);
  transition: transform .25s var(--ease), box-shadow .25s var(--ease), background-position .4s var(--ease);
}

.sec-10 .contact-submit svg {
  width: 20px;
  height: 20px;
  transition: transform .25s var(--ease);
}

.sec-10 .contact-submit:hover {
  transform: translateY(-2px);
  background-position: 100% 100%;
  box-shadow: 0 16px 36px rgba(251,133,0,.44);
}

.sec-10 .contact-submit:hover svg { transform: translateX(4px); }
.sec-10 .contact-submit:active { transform: translateY(0); }

.sec-10 .contact-fineprint {
  font-family: var(--font-inter);
  font-size: 12.5px;
  color: var(--grey-blue);
  text-align: center;
  margin: 14px 0 0;
}

/* submit states + post-submit status message */
.sec-10 .contact-submit:disabled {
  opacity: .72;
  cursor: progress;
  transform: none;
  box-shadow: 0 10px 26px rgba(251,133,0,.30);
}

.sec-10 .contact-status {
  font-family: var(--font-inter);
  font-size: 13.5px;
  line-height: 1.5;
  text-align: center;
  margin: 14px 0 0;
  padding: 11px 14px;
  border-radius: 12px;
}
.sec-10 .contact-status--ok {
  color: #15692f;
  background: rgba(34,160,80,.10);
  border: 1px solid rgba(34,160,80,.30);
}
.sec-10 .contact-status--error {
  color: #93331c;
  background: rgba(220,70,40,.08);
  border: 1px solid rgba(220,70,40,.28);
}

/* ============ RIGHT: contact details ============ */
.sec-10 .contact-info { max-width: 440px; }

.sec-10 .contact-heading {
  color: var(--ink-text);
  margin: 0 0 18px;
}

.sec-10 .contact-lead {
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.62;
  color: var(--grey);
  margin: 0 0 34px;
}

/* dark accent card holding the contact channels */
.sec-10 .info-panel {
  position: relative;
  background:
    radial-gradient(110% 120% at 100% 0%, rgba(255,183,3,.12) 0%, rgba(255,183,3,0) 50%),
    linear-gradient(160deg, var(--ink) 0%, var(--ink-0) 100%);
  border: 1px solid var(--ink-3);
  border-radius: 20px;
  padding: 10px 28px;
  box-shadow: var(--shadow-lg);
}

.sec-10 .info-row {
  display: flex;
  align-items: center;
  gap: 18px;
  padding: 24px 0;
  color: inherit;
}

a.info-row { transition: transform .25s var(--ease); }
a.info-row:hover { transform: translateX(4px); }

.sec-10 .info-divider {
  display: block;
  height: 1px;
  background: var(--line-dark);
}

/* gold icon chip */
.sec-10 .info-chip {
  flex: 0 0 auto;
  display: grid;
  place-items: center;
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background: var(--gold-grad);
  color: #1a1200;
  box-shadow: 0 8px 20px rgba(251,133,0,.28), inset 0 1px 0 rgba(255,255,255,.4);
  transition: transform .25s var(--ease), box-shadow .25s var(--ease);
}

.sec-10 .info-chip svg { width: 22px; height: 22px; }

.sec-10 a.info-row:hover .info-chip {
  transform: scale(1.06) rotate(-3deg);
  box-shadow: 0 12px 28px rgba(251,133,0,.42), inset 0 1px 0 rgba(255,255,255,.4);
}

.sec-10 .info-body { display: flex; flex-direction: column; gap: 4px; }

.sec-10 .info-label {
  font-family: var(--font);
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--gold);
}

.sec-10 .info-value {
  font-family: var(--font);
  font-size: 16px;
  font-weight: 500;
  line-height: 1.5;
  color: var(--cream);
}

/* ============ Mobile ≤768px ============ */
@media (max-width: 768px) {
  .sec-10 { padding: 64px 0 72px; }

  .sec-10 .contact-grid {
    grid-template-columns: 1fr;
    gap: 48px;
  }

  /* details first on mobile so the heading leads */
  .sec-10 .contact-info { order: -1; max-width: 100%; }

  .sec-10 .contact-card {
    padding: 40px 24px 32px;
    border-radius: 18px;
  }

  .sec-10 .contact-card__tab { left: 24px; }

  .sec-10 .card-title { font-size: 26px; }

  .sec-10 .field-row { grid-template-columns: 1fr; gap: 18px; }

  .sec-10 .contact-lead { font-size: 16px; margin-bottom: 28px; }

  .sec-10 .info-panel { padding: 8px 22px; }

  .sec-10 .info-row { gap: 15px; padding: 22px 0; }

  .sec-10 .sec-10__glow { width: 360px; height: 360px; top: -90px; left: -110px; }
}

@media (max-width: 420px) {
  .sec-10 .info-chip { width: 44px; height: 44px; border-radius: 12px; }
  .sec-10 .info-value { font-size: 15px; }
}

/* ===== 12-footer.css ===== */
/* ============================================================
   SECTION 12 — Wave-top CTA band + dark footer
   Full-bleed dark, deep-ink base for real depth
   ============================================================ */
.sec-12 {
  position: relative;
  /* layered dark: deepest ink at bottom rising to --ink, with a faint
     warm gold wash so the band reads designed, not a flat fill */
  background: linear-gradient(180deg, var(--ink) 0%, var(--ink-0) 100%);
  padding: 0 0 0;
  overflow: hidden;
  isolation: isolate;
}

/* --- Clean inline-SVG wave: white above -> dark ink below ---- */
.sec-12__wave {
  position: relative;
  width: 100%;
  line-height: 0;
  /* the cream of the previous section shows above the curve */
  background: var(--cream);
  z-index: 0;
}
.sec-12__wave svg {
  display: block;
  width: 100%;
  height: clamp(78px, 9vw, 132px);
}
/* fill resolves the token here (presentation attrs don't take var()) */
.sec-12__wave-fill {
  fill: var(--ink);
}
/* a hairline gold seam that hugs the crest of the wave for a premium edge */
.sec-12__wave .sec-12__seam {
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: clamp(78px, 9vw, 132px);
  pointer-events: none;
  background: radial-gradient(60% 120% at 50% 100%, rgba(255,183,3,.10) 0%, rgba(255,183,3,0) 55%);
  mix-blend-mode: screen;
}

/* --- inner layout / spacing -------------------------------- */
.sec-12__inner {
  position: relative;
  z-index: 1;
  padding-bottom: 48px;
}

/* --- CTA block -------------------------------------------- */
.sec-12__cta {
  position: relative;
  max-width: 640px;
  padding-top: 28px;
}

/* faint radial gold glow behind the CTA */
.sec-12__glow {
  position: absolute;
  top: -40px;
  left: -120px;
  width: 560px;
  height: 460px;
  z-index: -1;
  pointer-events: none;
  background: radial-gradient(circle at 30% 40%, rgba(251,133,0,.09) 0%, rgba(251,133,0,.03) 42%, rgba(251,133,0,0) 72%);
}

.sec-12__eyebrow {
  margin-bottom: 18px;
}

.sec-12__heading {
  margin: 0;
  font-family: var(--font);
  font-size: clamp(32px, 4.2vw, 50px);
  font-weight: 800;
  line-height: 1.14;
  letter-spacing: -.018em;
  color: var(--white);
}
.sec-12__heading .t-gold {
  position: relative;
  white-space: nowrap;
}
/* subtle drawn underline accent under the brand name */
.sec-12__heading .t-gold::after {
  content: "";
  position: absolute;
  left: 2px;
  right: 2px;
  bottom: -2px;
  height: 3px;
  border-radius: 3px;
  background: var(--gold-grad);
  opacity: .75;
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .8s var(--ease) .2s;
}
.sec-12__cta.in .sec-12__heading .t-gold::after {
  transform: scaleX(1);
}

.sec-12__subtext {
  margin: 20px 0 0;
  max-width: 520px;
  font-family: var(--font);
  font-size: 16.5px;
  font-weight: 400;
  line-height: 1.65;
  color: var(--grey-200);
}

.sec-12__btn {
  margin-top: 32px;
}
.sec-12__btn-arrow {
  transition: transform .3s var(--ease);
}
.sec-12__btn:hover .sec-12__btn-arrow {
  transform: translateX(4px);
}

/* --- Divider: gold-tinted hairline ------------------------- */
.sec-12__divider {
  border: 0;
  height: 1px;
  margin: 56px 0 34px;
  background: linear-gradient(90deg,
    rgba(255,183,3,.42) 0%,
    rgba(255,255,255,.12) 22%,
    rgba(255,255,255,.06) 60%,
    rgba(255,255,255,0) 100%);
}

/* --- Footer row ------------------------------------------- */
.sec-12__footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
}

.sec-12__brand {
  display: inline-flex;
  align-items: center;
  text-decoration: none;
  transition: transform .3s var(--ease), filter .3s var(--ease);
}
.sec-12__brand:hover {
  transform: translateY(-2px);
  filter: drop-shadow(0 10px 22px rgba(251,133,0,.22));
}

.sec-12__logo {
  display: block;
  width: 158px;
  height: auto;
}

/* --- Footer nav ------------------------------------------- */
.sec-12__nav {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 18px;
}

.sec-12__nav-row {
  display: flex;
  align-items: center;
  gap: 38px;
}

.sec-12__nav a {
  position: relative;
  font-family: var(--font);
  font-size: 15.5px;
  font-weight: 500;
  color: var(--grey-200);
  text-decoration: none;
  padding-bottom: 3px;
  transition: color .25s var(--ease);
}
/* animated gold underline on hover */
.sec-12__nav a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  width: 100%;
  height: 1.5px;
  border-radius: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .3s var(--ease);
}
.sec-12__nav a:hover {
  color: var(--gold);
}
.sec-12__nav a:hover::after {
  transform: scaleX(1);
}

/* --- Legal line ------------------------------------------- */
.sec-12__legal {
  margin: 34px 0 0;
  font-family: var(--font-inter);
  font-size: 13px;
  font-weight: 400;
  letter-spacing: .01em;
  color: var(--grey-300);
}

/* ============================================================
   MOBILE  ≤768px — content centers / stacks
   ============================================================ */
@media (max-width: 768px) {
  .sec-12__inner {
    padding-bottom: 44px;
  }

  .sec-12__cta {
    max-width: none;
    padding-top: 22px;
    text-align: left;
  }

  .sec-12__glow {
    left: -80px;
    width: 420px;
    height: 360px;
  }

  .sec-12__heading {
    font-size: clamp(28px, 8vw, 34px);
  }
  .sec-12__heading .t-gold {
    white-space: normal;
  }

  .sec-12__btn {
    width: 100%;
  }

  .sec-12__divider {
    margin: 44px 0 32px;
  }

  .sec-12__footer {
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 30px;
  }

  .sec-12__nav {
    align-items: center;
    gap: 16px;
  }

  .sec-12__nav-row {
    flex-direction: column;
    gap: 16px;
  }

  .sec-12__legal {
    text-align: center;
  }
}