/* ─────────────────────────────────────────────────────────
   Equinox Wealth Consultants — shared stylesheet
   Palette, type and copy are the client's real brand identity.
   ───────────────────────────────────────────────────────── */

:root {
  --gold: #C9A84C;
  --gold-light: #E8C96A;
  --gold-dark: #9A7530;
  --charcoal: #1A1A1A;
  --dark-grey: #222222;
  --mid-grey: #2E2E2E;
  --light-grey: #3A3A3A;
  --silver: #8A8A8A;
  --off-white: #F5F0E8;
  --text-light: #D4CBBA;
  --gradient-gold: linear-gradient(135deg, #C9A84C 0%, #E8C96A 50%, #9A7530 100%);
}

* { margin: 0; padding: 0; box-sizing: border-box; -webkit-tap-highlight-color: transparent; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  font-family: 'Montserrat', sans-serif;
  background: var(--charcoal);
  color: var(--text-light);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--charcoal); }
::-webkit-scrollbar-thumb { background: var(--gold-dark); border-radius: 3px; }

/* ─── NAV ─── */
nav {
  position: fixed; top: 0; width: 100%; z-index: 1000;
  background: rgba(20,20,20,0.96);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(201,168,76,0.25);
  padding: 0 40px;
  display: flex; align-items: center; justify-content: space-between;
  height: 70px;
}

.nav-logo { display: flex; align-items: center; gap: 14px; text-decoration: none; }
.nav-logo-icon { width: 46px; height: 46px; flex-shrink: 0; display: flex; align-items: center; justify-content: center; }
.nav-logo-icon img { width: 46px; height: 46px; object-fit: contain; border-radius: 2px; }
.nav-logo-text {
  font-family: 'Raleway', sans-serif;
  font-size: 12px; font-weight: 800; letter-spacing: 1.5px; text-transform: uppercase;
  color: var(--gold-light);
  line-height: 1.2; white-space: nowrap;
}
.nav-logo-sub { font-size: 8.5px; font-weight: 500; letter-spacing: 1.5px; color: var(--silver); font-family: 'Raleway', sans-serif; text-transform: uppercase; white-space: nowrap; }

.nav-links { display: flex; gap: 0; align-items: center; }
.nav-links a {
  color: var(--silver); text-decoration: none; font-size: 10px;
  font-weight: 500; letter-spacing: 0.8px; text-transform: uppercase;
  padding: 8px 9px; border-radius: 2px;
  transition: color 0.3s, background 0.3s;
  position: relative;
}
.nav-links a::after {
  content: ''; position: absolute; bottom: 4px; left: 9px; right: 9px;
  height: 1px; background: var(--gold); transform: scaleX(0);
  transition: transform 0.3s; transform-origin: center;
}
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--gold-light); }
.nav-links a:hover::after, .nav-links a[aria-current="page"]::after { transform: scaleX(1); }

.nav-cta {
  background: var(--gold) !important;
  color: var(--charcoal) !important;
  padding: 8px 14px !important; border-radius: 2px !important;
  font-weight: 600 !important; white-space: nowrap;
}
.nav-cta::after { display: none !important; }
.nav-cta:hover { background: var(--gold-light) !important; }

.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; background: none; border: none; }
.hamburger span { width: 24px; height: 2px; background: var(--gold); transition: 0.3s; }

/* ─── PAGE HERO (interior pages) ─── */
.page-hero {
  padding: 160px 0 70px;
  background: linear-gradient(160deg, #111111 0%, #1A1A1A 40%, #1e1e1e 100%);
  border-bottom: 1px solid rgba(201,168,76,0.12);
}
.page-hero .breadcrumb { font-size: 11px; letter-spacing: 2px; text-transform: uppercase; color: var(--silver); margin-bottom: 18px; }
.page-hero .breadcrumb a { color: var(--silver); text-decoration: none; }
.page-hero .breadcrumb a:hover { color: var(--gold-light); }

/* ─── HOME HERO ─── */
#hero {
  min-height: 92vh;
  background:
    linear-gradient(160deg, #111111 0%, #1A1A1A 40%, #222222 100%);
  display: flex; align-items: center; justify-content: center;
  position: relative; overflow: hidden; padding-top: 70px;
}

.hero-grid-bg {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(201,168,76,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  mask-image: radial-gradient(ellipse at center, black 30%, transparent 80%);
}

.hero-frame {
  position: absolute; top: 40px; right: 40px; bottom: 40px; left: 40px;
  border: 1px solid rgba(201,168,76,0.14);
  pointer-events: none;
}
@media (max-width: 768px) { .hero-frame { display: none; } }

.hero-content {
  text-align: center; max-width: 900px; padding: 40px 24px;
  position: relative; z-index: 2;
  animation: fadeUp 1.2s ease both;
}

@keyframes fadeUp { from{opacity:0;transform:translateY(24px)} to{opacity:1;transform:translateY(0)} }

.hero-eyebrow {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 20px; font-weight: 700; letter-spacing: 4px; text-transform: uppercase;
  color: var(--gold); margin-bottom: 20px;
  animation: fadeUp 1s 0.15s ease both;
}

.hero-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(48px, 8vw, 84px);
  font-weight: 300; line-height: 1.08;
  color: var(--off-white);
  margin-bottom: 12px;
  animation: fadeUp 1s 0.3s ease both;
}
.hero-title em { font-style: italic; color: var(--gold); }

.hero-sub {
  font-size: 13px; letter-spacing: 4px; text-transform: uppercase;
  color: var(--silver); margin-bottom: 36px;
  animation: fadeUp 1s 0.45s ease both;
}

.hero-desc {
  font-size: 16px; line-height: 1.8; color: var(--text-light);
  max-width: 600px; margin: 0 auto 46px;
  animation: fadeUp 1s 0.6s ease both;
}

.hero-actions {
  display: flex; gap: 16px; justify-content: center; flex-wrap: wrap;
  animation: fadeUp 1s 0.75s ease both;
}

.btn-primary {
  background: var(--gold); color: var(--charcoal);
  padding: 16px 40px; border: none; border-radius: 2px;
  font-family: 'Montserrat', sans-serif; font-size: 12px;
  font-weight: 600; letter-spacing: 2px; text-transform: uppercase;
  cursor: pointer; text-decoration: none; display: inline-block;
  transition: background 0.3s, transform 0.3s;
}
.btn-primary:hover { background: var(--gold-light); transform: translateY(-2px); }

.btn-outline {
  background: transparent; color: var(--gold);
  padding: 15px 40px; border: 1px solid var(--gold);
  border-radius: 2px; font-family: 'Montserrat', sans-serif;
  font-size: 12px; font-weight: 500; letter-spacing: 2px;
  text-transform: uppercase; cursor: pointer; text-decoration: none;
  display: inline-block; transition: all 0.3s;
}
.btn-outline:hover { background: rgba(201,168,76,0.1); transform: translateY(-2px); }

.hero-stats {
  position: absolute; bottom: 46px; left: 0; right: 0;
  display: flex; justify-content: center; gap: 60px; flex-wrap: wrap;
  animation: fadeUp 1s 0.9s ease both;
}
.stat { text-align: center; }
.stat-num { font-family: 'Cormorant Garamond', serif; font-size: 34px; color: var(--gold-light); line-height: 1; }
.stat-label { font-size: 10px; letter-spacing: 2px; color: var(--silver); text-transform: uppercase; margin-top: 6px; }

/* ─── SECTION SHARED ─── */
section { padding: 100px 0; }
.container { max-width: 1200px; margin: 0 auto; padding: 0 40px; }
.container-narrow { max-width: 800px; margin: 0 auto; padding: 0 40px; }

.section-label { font-size: 11px; letter-spacing: 5px; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; }
.section-title { font-family: 'Cormorant Garamond', serif; font-size: clamp(32px, 5vw, 50px); font-weight: 300; color: var(--off-white); line-height: 1.15; margin-bottom: 24px; }
.section-title em { font-style: italic; color: var(--gold); }
.gold-divider { width: 60px; height: 1px; background: var(--gold); margin: 24px 0; }
.gold-divider.center { margin: 24px auto; }

.eyebrow-index {
  font-family: 'Cormorant Garamond', serif; font-size: 15px; color: var(--gold);
  letter-spacing: 2px; margin-bottom: 8px; display: block;
}

/* ─── HOME: OVERVIEW LINKS (replaces old story-card emoji pattern) ─── */
#our-story-preview { background: var(--dark-grey); }
.story-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 80px; align-items: start; }
.story-text p { font-size: 15px; line-height: 1.9; color: var(--silver); margin-bottom: 20px; }
.story-text p strong { color: var(--gold-light); font-weight: 500; }

.pillar-list { display: flex; flex-direction: column; }
.pillar-item {
  padding: 26px 0; border-bottom: 1px solid rgba(201,168,76,0.12);
  display: grid; grid-template-columns: 44px 1fr; gap: 18px; align-items: baseline;
}
.pillar-item:first-child { padding-top: 0; }
.pillar-num { font-family: 'Cormorant Garamond', serif; font-size: 20px; color: var(--gold-dark); }
.pillar-title { font-family: 'Cormorant Garamond', serif; font-size: 21px; color: var(--gold-light); margin-bottom: 6px; }
.pillar-item p { font-size: 13.5px; line-height: 1.7; color: var(--silver); }
.pillar-link { color: var(--gold); font-size: 11px; letter-spacing: 1.5px; text-transform: uppercase; text-decoration: none; display: inline-flex; align-items: center; gap: 6px; margin-top: 10px; }
.pillar-link:hover { gap: 10px; }
.pillar-link::after { content: '→'; transition: transform 0.2s; }

.know-more { color: var(--gold); font-size: 12px; letter-spacing: 2px; text-transform: uppercase; text-decoration: none; display: inline-flex; align-items: center; gap: 8px; margin-top: 8px; transition: gap 0.3s; }
.know-more:hover { gap: 14px; }
.know-more::after { content: '→'; }

/* ─── SERVICES GRID (icon-free, number-led) ─── */
#services { background: var(--charcoal); }
.services-intro { max-width: 640px; margin: 0 0 56px; }
.services-intro p { color: var(--silver); font-size: 15px; line-height: 1.8; }

.services-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: rgba(201,168,76,0.12); }

.service-tile {
  background: var(--dark-grey);
  padding: 40px 32px;
  position: relative; overflow: hidden;
  cursor: pointer; transition: background 0.35s;
  text-decoration: none; display: block;
}
.service-tile:hover { background: var(--mid-grey); }
.service-tile::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0;
  height: 2px; background: var(--gold);
  transform: scaleX(0); transition: transform 0.4s; transform-origin: left;
}
.service-tile:hover::before { transform: scaleX(1); }

.service-num { font-family: 'Cormorant Garamond', serif; font-size: 15px; color: var(--gold-dark); letter-spacing: 1px; display: block; margin-bottom: 28px; }
.service-name { font-family: 'Cormorant Garamond', serif; font-size: 25px; color: var(--off-white); margin-bottom: 12px; font-weight: 400; }
.service-desc { font-size: 13px; line-height: 1.7; color: var(--silver); }
.service-arrow { color: var(--gold); font-size: 16px; margin-top: 20px; display: inline-block; transition: transform 0.3s; }
.service-tile:hover .service-arrow { transform: translateX(8px); }

/* ─── WEALTH PLANNING (roman-numeral list, no emoji) ─── */
#wealth-planning { background: var(--dark-grey); }
.planning-layout { display: grid; grid-template-columns: 380px 1fr; gap: 80px; align-items: start; }
.planning-sidebar { position: sticky; top: 90px; }
.planning-items { display: flex; flex-direction: column; }

.planning-item {
  padding: 26px 0 26px 56px;
  position: relative;
  border-bottom: 1px solid rgba(201,168,76,0.1);
  transition: padding-left 0.3s;
}
.planning-item:first-child { padding-top: 0; }
.planning-item:hover { padding-left: 64px; }
.planning-item-num {
  position: absolute; left: 0; top: 26px;
  font-family: 'Cormorant Garamond', serif; font-size: 15px; color: var(--gold-dark);
}
.planning-item-title { font-family: 'Cormorant Garamond', serif; font-size: 21px; color: var(--gold-light); margin-bottom: 8px; }
.planning-item p { font-size: 13px; line-height: 1.7; color: var(--silver); }

/* ─── INVESTMENTS (borderless row list instead of 11 duplicate cards) ─── */
#investments { background: var(--charcoal); }
.investments-header { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; margin-bottom: 56px; align-items: end; }
.invest-tagline { font-size: 15px; line-height: 1.8; color: var(--silver); }

.product-tabs { display: flex; gap: 0; margin-bottom: 8px; border-bottom: 1px solid rgba(201,168,76,0.15); flex-wrap: wrap; }
.tab-btn { background: none; border: none; color: var(--silver); padding: 14px 24px 14px 0; margin-right: 24px; font-family: 'Montserrat', sans-serif; font-size: 12px; font-weight: 500; letter-spacing: 1.5px; text-transform: uppercase; cursor: pointer; position: relative; transition: color 0.3s; }
.tab-btn.active { color: var(--gold); }
.tab-btn.active::after { content: ''; position: absolute; bottom: -1px; left: 0; right: 24px; height: 2px; background: var(--gold); }

.products-list { display: grid; grid-template-columns: 1fr 1fr; column-gap: 48px; }
.product-row { padding: 22px 0; border-bottom: 1px solid rgba(201,168,76,0.1); }
.product-name { font-family: 'Cormorant Garamond', serif; font-size: 19px; color: var(--off-white); margin-bottom: 6px; }
.product-desc { font-size: 12.5px; line-height: 1.65; color: var(--silver); }
.invest-cta { margin-top: 44px; }

/* ─── PORTFOLIO REVIEW ─── */
#portfolio, #insurance { background: var(--dark-grey); }
.portfolio-split { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.portfolio-features { list-style: none; margin: 24px 0; }
.portfolio-features li { padding: 15px 0; border-bottom: 1px solid rgba(201,168,76,0.1); display: flex; align-items: baseline; gap: 14px; font-size: 14px; color: var(--text-light); }
.portfolio-features li::before { content: '—'; color: var(--gold); flex-shrink: 0; }

.allocation-panel {
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: 2px; padding: 44px;
}
.allocation-panel h3 { font-family: 'Cormorant Garamond', serif; font-size: 21px; color: var(--gold-light); margin-bottom: 6px; }
.allocation-panel .panel-sub { font-size: 12px; color: var(--silver); margin-bottom: 28px; }
.alloc-bar { margin-bottom: 18px; }
.alloc-label { display: flex; justify-content: space-between; margin-bottom: 7px; font-size: 12px; color: var(--silver); }
.alloc-track { height: 2px; background: rgba(255,255,255,0.08); }
.alloc-fill { height: 100%; background: var(--gold); }
.panel-footnote { font-size: 11px; color: rgba(138,138,138,0.6); margin-top: 20px; }

/* ─── INSURANCE AUDIT — distinct checklist visual (not a duplicate bar chart) ─── */
.audit-checklist { border: 1px solid rgba(201,168,76,0.2); border-radius: 2px; padding: 44px; }
.audit-checklist h3 { font-family: 'Cormorant Garamond', serif; font-size: 21px; color: var(--gold-light); margin-bottom: 6px; }
.audit-checklist .panel-sub { font-size: 12px; color: var(--silver); margin-bottom: 28px; }
.audit-row { display: grid; grid-template-columns: 20px 1fr; gap: 16px; padding: 14px 0; border-bottom: 1px solid rgba(201,168,76,0.1); }
.audit-row:last-child { border-bottom: none; }
.audit-row .check { color: var(--gold); font-family: 'Cormorant Garamond', serif; font-size: 16px; line-height: 1.4; }
.audit-row-title { font-size: 13.5px; color: var(--text-light); font-weight: 500; }
.audit-row-desc { font-size: 12px; color: var(--silver); margin-top: 2px; line-height: 1.6; }

/* ─── NEWSLETTER / WEALTH JOURNAL ─── */
#newsletter-hub { background: var(--charcoal); }
.newsletter-panel {
  display: grid; grid-template-columns: 1fr 1fr; gap: 70px; align-items: center;
  border: 1px solid rgba(201,168,76,0.2); border-radius: 2px; padding: 56px;
}
.newsletter-panel p.desc { font-size: 14.5px; line-height: 1.85; color: var(--silver); margin-bottom: 28px; }
.subscribe-form { display: flex; gap: 0; border-bottom: 1px solid var(--gold); max-width: 420px; }
.subscribe-form input[type="email"] {
  flex: 1; background: transparent; border: none; color: var(--off-white);
  font-family: 'Montserrat', sans-serif; font-size: 14px; padding: 12px 4px; outline: none;
}
.subscribe-form input[type="email"]::placeholder { color: var(--silver); }
.subscribe-form button {
  background: none; border: none; color: var(--gold);
  font-family: 'Montserrat', sans-serif; font-size: 11px; font-weight: 600; letter-spacing: 1.5px;
  text-transform: uppercase; cursor: pointer; padding: 12px 6px; white-space: nowrap;
}
.subscribe-form button:hover { color: var(--gold-light); }
.subscribe-note { font-size: 11px; color: var(--silver); margin-top: 12px; }
.subscribe-note a { color: var(--gold); text-decoration: none; }

.journal-archive-title { font-family: 'Cormorant Garamond', serif; font-size: 20px; color: var(--gold-light); margin-bottom: 20px; }
.journal-list { display: flex; flex-direction: column; }
.journal-item { padding: 16px 0; border-bottom: 1px solid rgba(201,168,76,0.1); text-decoration: none; display: block; }
.journal-item:last-child { border-bottom: none; }
.journal-item-date { font-size: 10.5px; letter-spacing: 1.5px; text-transform: uppercase; color: var(--gold-dark); margin-bottom: 4px; }
.journal-item-title { font-family: 'Cormorant Garamond', serif; font-size: 17px; color: var(--off-white); transition: color 0.2s; }
.journal-item:hover .journal-item-title { color: var(--gold-light); }
.journal-empty { font-size: 13px; color: var(--silver); font-style: italic; }

/* ─── PALAK'S THOUGHT LEADERSHIP ─── */
.thought-leadership-list { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; margin-top: 48px; }
.tl-item { border-top: 1px solid rgba(201,168,76,0.2); padding-top: 20px; }
.tl-tag { font-size: 10.5px; letter-spacing: 2px; text-transform: uppercase; color: var(--gold); margin-bottom: 10px; }
.tl-title { font-family: 'Cormorant Garamond', serif; font-size: 21px; color: var(--off-white); line-height: 1.3; margin-bottom: 12px; }
.tl-excerpt { font-size: 13px; line-height: 1.7; color: var(--silver); margin-bottom: 14px; }

/* ─── CONTACT ─── */
#contact { background: var(--dark-grey); }
.contact-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; }
.contact-info { padding-top: 20px; }
.contact-detail { display: flex; gap: 18px; align-items: flex-start; padding: 20px 0; border-bottom: 1px solid rgba(201,168,76,0.1); }
.contact-icon { flex-shrink: 0; margin-top: 2px; color: var(--gold); }
.contact-icon svg { width: 18px; height: 18px; display: block; }
.contact-label { font-size: 10px; letter-spacing: 2px; text-transform: uppercase; color: var(--gold); margin-bottom: 4px; }
.contact-value { font-size: 15px; color: var(--text-light); }
.contact-value a { color: var(--text-light); text-decoration: none; }
.contact-value a:hover { color: var(--gold-light); }

.contact-form { background: rgba(201,168,76,0.04); border: 1px solid rgba(201,168,76,0.15); border-radius: 2px; padding: 40px; }
.form-title { font-family: 'Cormorant Garamond', serif; font-size: 27px; color: var(--off-white); margin-bottom: 28px; }
.form-group { margin-bottom: 20px; }
.form-group label { font-size: 11px; letter-spacing: 1.5px; text-transform: uppercase; color: var(--gold); display: block; margin-bottom: 8px; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; background: rgba(255,255,255,0.04); border: 1px solid rgba(201,168,76,0.2);
  border-radius: 2px; padding: 14px 16px; color: var(--text-light);
  font-family: 'Montserrat', sans-serif; font-size: 14px; outline: none; transition: border-color 0.3s;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--gold); }
.form-group select option { background: var(--dark-grey); }
.form-group textarea { min-height: 120px; resize: vertical; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

/* ─── CLIENT LOGIN ─── */
#client-login { background: var(--charcoal); }
.login-center { text-align: left; max-width: 560px; }
.login-center p { color: var(--silver); font-size: 15px; line-height: 1.8; margin-bottom: 32px; }
.login-buttons { display: flex; gap: 16px; flex-wrap: wrap; }

/* ─── FOOTER ─── */
footer { background: #111; border-top: 1px solid rgba(201,168,76,0.15); padding: 60px 0 30px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1.2fr 1fr; gap: 40px; margin-bottom: 50px; }
.footer-brand p { font-size: 13px; line-height: 1.8; color: var(--silver); margin-top: 16px; max-width: 280px; }
.footer-col h4 { font-size: 11px; letter-spacing: 3px; text-transform: uppercase; color: var(--gold); margin-bottom: 20px; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a { color: var(--silver); text-decoration: none; font-size: 13px; transition: color 0.3s; }
.footer-col ul li a:hover { color: var(--gold-light); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.05); padding-top: 24px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 8px; font-size: 12px; color: var(--silver); }
.footer-disclaimer { font-size: 11px; color: rgba(138,138,138,0.6); margin-top: 20px; line-height: 1.6; }

/* ─── FLOATING CTA ─── */
.floating-cta {
  position: fixed; bottom: 30px; right: 30px; z-index: 999;
  background: var(--gold); color: var(--charcoal);
  border: none; border-radius: 2px; padding: 14px 24px;
  font-family: 'Montserrat', sans-serif; font-size: 12px; font-weight: 600;
  letter-spacing: 1px; cursor: pointer;
  box-shadow: 0 6px 24px rgba(0,0,0,0.35);
  transition: transform 0.3s, background 0.3s;
  text-decoration: none; display: flex; align-items: center; gap: 8px;
}
.floating-cta:hover { transform: translateY(-3px); background: var(--gold-light); }

.fade-in { opacity: 1; transform: none; }

/* ─── RESPONSIVE ─── */
@media (max-width: 1280px) {
  .container, .container-narrow { padding: 0 32px; }
  nav { padding: 0 32px; }
  .footer-grid { grid-template-columns: 1.4fr 1fr 1.1fr 1fr; gap: 28px; }
  .hero-stats { gap: 40px; }
}

@media (max-width: 1024px) {
  nav { padding: 0 24px; }
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .nav-links.open {
    display: flex; flex-direction: column;
    position: absolute; top: 70px; left: 0; right: 0;
    background: rgba(17,17,17,0.98);
    backdrop-filter: blur(12px);
    padding: 16px 24px 24px; gap: 2px;
    border-bottom: 1px solid rgba(201,168,76,0.2);
    z-index: 999;
  }
  .nav-links.open a { padding: 12px 8px; font-size: 11px; letter-spacing: 1px; border-bottom: 1px solid rgba(255,255,255,0.04); }
  .nav-links.open a:last-child { border-bottom: none; margin-top: 8px; text-align: center; }
  .nav-cta { display: block !important; }

  .hero-title { font-size: clamp(40px, 7vw, 68px); }
  .hero-stats { gap: 26px; bottom: 28px; }
  .stat-num { font-size: 26px; }

  .story-grid { grid-template-columns: 1fr; gap: 40px; }
  .services-grid { grid-template-columns: 1fr 1fr; }
  .planning-layout { grid-template-columns: 1fr; gap: 36px; }
  .planning-sidebar { position: static; }
  .investments-header { grid-template-columns: 1fr; gap: 16px; }
  .products-list { grid-template-columns: 1fr; }
  .portfolio-split { grid-template-columns: 1fr; gap: 40px; }
  .thought-leadership-list { grid-template-columns: 1fr; }
  .newsletter-panel { grid-template-columns: 1fr; gap: 36px; padding: 36px; }
  .contact-layout { grid-template-columns: 1fr; gap: 40px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}

@media (max-width: 768px) {
  nav { padding: 0 16px; height: 60px; }
  .nav-logo-icon { width: 36px !important; height: 36px !important; }
  .nav-logo-icon img { width: 36px !important; height: 36px !important; }
  .nav-logo-text { font-size: 11px !important; letter-spacing: 1px !important; }
  .nav-logo-sub { font-size: 7.5px !important; }
  .nav-links.open { top: 60px; }

  section { padding: 60px 0; }
  .page-hero { padding: 120px 0 50px; }
  .container, .container-narrow { padding: 0 16px; }

  .hero-eyebrow { font-size: 15px; letter-spacing: 2px; }
  .hero-title { font-size: clamp(34px, 9vw, 50px); }
  .hero-sub { font-size: 11px; letter-spacing: 2px; }
  .hero-desc { font-size: 14px; }
  .hero-actions { flex-direction: column; align-items: center; gap: 12px; }
  .hero-actions a { width: 100%; max-width: 300px; text-align: center; }
  .hero-stats { position: relative; bottom: auto; margin-top: 36px; gap: 18px; padding: 0 16px; }
  .stat-num { font-size: 22px; }
  .stat-label { font-size: 9px; }
  #hero { padding-bottom: 40px; }

  .section-title { font-size: clamp(28px, 7vw, 38px); }
  .gold-divider { margin: 16px 0; }

  .services-grid { grid-template-columns: 1fr; gap: 1px; }
  .service-tile { padding: 30px 24px; }

  .product-tabs { overflow-x: auto; -webkit-overflow-scrolling: touch; flex-wrap: nowrap; padding-bottom: 2px; }
  .tab-btn { white-space: nowrap; font-size: 11px; padding: 12px 16px 12px 0; }

  .allocation-panel, .audit-checklist { padding: 26px 20px; }

  .contact-form { padding: 28px 20px; }
  .form-row { grid-template-columns: 1fr; gap: 0; }

  .login-buttons { flex-direction: column; }
  .login-buttons a { width: 100%; max-width: 300px; text-align: center; }

  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; gap: 8px; text-align: center; }
  .footer-disclaimer { font-size: 10px; }

  .floating-cta { bottom: 16px; right: 16px; padding: 12px 18px; font-size: 11px; }
  .btn-primary, .btn-outline { padding: 14px 28px; font-size: 11px; }
}

@media (max-width: 380px) {
  .nav-logo-text { font-size: 9.5px !important; }
  .hero-title { font-size: 30px; }
  .section-title { font-size: 26px; }
  .stat-num { font-size: 20px; }
  .hero-stats { gap: 14px; }
  .container, .container-narrow { padding: 0 12px; }
}