/* ============================================================
   SagaWealth Design System v3
   Aesthetic: Editorial luxury · Local authority
   Fonts: Cormorant Garant (display) + Outfit (body)
   ============================================================ */

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

/* ── Tokens ── */
:root {
  --ink:         #0d1520;
  --navy:        #0f2647;
  --navy-mid:    #163356;
  --teal:        #0b6e5f;
  --teal-light:  #0e8a77;
  --gold:        #c8902e;
  --gold-light:  #e4ae50;
  --gold-pale:   #f5e4c0;
  --cream:       #f8f4ee;
  --cream-mid:   #ede7da;
  --cream-dark:  #e2d8c8;
  --white:       #ffffff;
  --text:        #1e2535;
  --muted:       #5e6a7a;
  --border:      rgba(200,144,46,.18);
  --border-light:rgba(200,144,46,.08);
  --shadow-sm:   0 2px 12px rgba(13,21,32,.08);
  --shadow:      0 8px 40px rgba(13,21,32,.12);
  --shadow-lg:   0 24px 64px rgba(13,21,32,.18);
  --shadow-xl:   0 40px 80px rgba(13,21,32,.22);
  --r-sm:        6px;
  --r:           10px;
  --r-lg:        16px;
  --r-xl:        24px;
  --ease:        cubic-bezier(.4,0,.2,1);
  --t:           .3s var(--ease);
  --nav-h:       72px;
}

/* ── Reset ── */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:'Outfit',sans-serif;background:var(--cream);color:var(--text);line-height:1.65;overflow-x:hidden;-webkit-font-smoothing:antialiased}
img{display:block;max-width:100%;height:auto}
a{text-decoration:none;color:inherit;transition:var(--t)}
ul,ol{list-style:none}
button{cursor:pointer;font-family:inherit;border:none;background:none}

/* ── Typography ── */
h1,h2,h3,h4,h5{font-family:'Cormorant Garant',serif;line-height:1.15;color:var(--navy)}
h1{font-size:clamp(2.6rem,5.5vw,4.4rem);font-weight:700;letter-spacing:-.02em}
h2{font-size:clamp(2rem,4vw,3.2rem);font-weight:600;letter-spacing:-.015em}
h3{font-size:clamp(1.3rem,2.5vw,1.8rem);font-weight:600}
h4{font-size:1.15rem;font-weight:600}
p{color:var(--muted);line-height:1.8}

.display{font-family:'Cormorant Garant',serif;font-style:italic;color:var(--gold)}
.mono{font-family:'Outfit',monospace;font-size:.82em;letter-spacing:.04em}

/* ── Layout ── */
.wrap{max-width:1180px;margin:0 auto;padding:0 28px}
.wrap-narrow{max-width:760px;margin:0 auto;padding:0 28px}
.section{padding:96px 0}
.section-sm{padding:64px 0}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.text-center{text-align:center}

/* ── Label / eyebrow ── */
.eyebrow{
  display:inline-flex;align-items:center;gap:10px;
  font-family:'Outfit',sans-serif;font-size:.72rem;font-weight:700;
  letter-spacing:.14em;text-transform:uppercase;color:var(--gold);
  margin-bottom:18px;
}
.eyebrow::before,.eyebrow::after{content:'';flex:0 0 24px;height:1px;background:var(--gold);opacity:.5}

/* ── Section header ── */
.sec-head{margin-bottom:56px}
.sec-head p{font-size:1.05rem;max-width:560px;margin-top:16px}
.sec-head.center{text-align:center}
.sec-head.center p{margin:16px auto 0}

/* ── Buttons ── */
.btn{
  display:inline-flex;align-items:center;gap:8px;
  padding:14px 30px;border-radius:var(--r-sm);
  font-family:'Outfit',sans-serif;font-size:.95rem;font-weight:600;
  transition:var(--t);white-space:nowrap;
}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:var(--gold-light);transform:translateY(-2px);box-shadow:0 8px 24px rgba(200,144,46,.38)}
.btn-navy{background:var(--navy);color:var(--white)}
.btn-navy:hover{background:var(--navy-mid);transform:translateY(-2px);box-shadow:var(--shadow)}
.btn-outline-w{background:transparent;color:var(--white);border:1.5px solid rgba(255,255,255,.35)}
.btn-outline-w:hover{border-color:var(--gold-light);color:var(--gold-light)}
.btn-outline-n{background:transparent;color:var(--navy);border:1.5px solid var(--navy)}
.btn-outline-n:hover{background:var(--navy);color:var(--white)}
.btn-lg{padding:17px 38px;font-size:1rem}
.btn-sm{padding:10px 20px;font-size:.85rem}

/* ── Icon system ── */
.icon{display:inline-flex;align-items:center;justify-content:center;flex-shrink:0}
.icon svg{display:block}
.icon-sm  svg{width:16px;height:16px}
.icon-md  svg{width:20px;height:20px}
.icon-lg  svg{width:26px;height:26px}
.icon-xl  svg{width:36px;height:36px}

/* ── NAVBAR ── */
.navbar{
  position:fixed;top:0;left:0;right:0;z-index:1000;
  height:var(--nav-h);transition:var(--t);
}
.navbar.scrolled{
  background:rgba(13,21,32,.96);
  backdrop-filter:blur(16px);
  box-shadow:0 1px 0 rgba(255,255,255,.06);
}
.nav-inner{
  display:flex;align-items:center;justify-content:space-between;
  height:var(--nav-h);max-width:1180px;margin:0 auto;padding:0 28px;
}
.nav-logo{display:flex;align-items:center;gap:10px}
.nav-logo-mark{
  width:38px;height:38px;border-radius:50%;
  background:linear-gradient(135deg,var(--gold),var(--gold-light));
  display:flex;align-items:center;justify-content:center;
}
.nav-logo-mark svg{width:20px;height:20px}
.nav-logo-text{
  font-family:'Cormorant Garant',serif;font-weight:700;
  font-size:1.2rem;color:var(--white);letter-spacing:-.01em;
}
.nav-logo-text span{color:var(--gold-light)}
.nav-links{display:flex;align-items:center;gap:2px}
.nav-links a{
  padding:8px 14px;border-radius:var(--r-sm);
  font-size:.9rem;font-weight:500;color:rgba(255,255,255,.75);
}
.nav-links a:hover,.nav-links a.active{color:var(--gold-light)}
.nav-links .has-drop{position:relative}
.nav-links .has-drop:hover .nav-drop{opacity:1;visibility:visible;transform:translateY(0)}
.nav-drop{
  position:absolute;top:calc(100% + 8px);left:50%;transform:translateX(-50%) translateY(8px);
  background:var(--navy-mid);border:1px solid rgba(255,255,255,.08);
  border-radius:var(--r);padding:8px;min-width:220px;
  opacity:0;visibility:hidden;transition:var(--t);
  box-shadow:var(--shadow-lg);
}
.nav-drop a{
  display:block;padding:10px 14px;border-radius:var(--r-sm);
  font-size:.88rem;color:rgba(255,255,255,.8);
}
.nav-drop a:hover{background:rgba(255,255,255,.06);color:var(--gold-light)}
.nav-drop-label{
  font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;
  color:rgba(255,255,255,.3);padding:8px 14px 4px;
}
.nav-cta{display:flex;align-items:center;gap:12px}
.nav-phone{
  font-size:.88rem;font-weight:500;color:rgba(255,255,255,.6);
  display:flex;align-items:center;gap:6px;
}
.nav-phone:hover{color:var(--gold-light)}
.nav-burger{display:none;flex-direction:column;gap:5px;padding:8px}
.nav-burger span{display:block;width:22px;height:2px;background:var(--white);border-radius:2px;transition:var(--t)}

/* Mobile nav */
.mobile-nav{
  display:none;position:fixed;inset:0;background:var(--ink);
  z-index:999;flex-direction:column;padding:calc(var(--nav-h) + 24px) 28px 40px;
  gap:0;overflow-y:auto;
}
.mobile-nav.open{display:flex}
.mobile-nav a{
  display:block;padding:16px 0;
  font-size:1.15rem;font-weight:500;color:rgba(255,255,255,.8);
  border-bottom:1px solid rgba(255,255,255,.07);
}
.mobile-nav a:hover{color:var(--gold-light)}
.mobile-nav .m-actions{margin-top:28px;display:flex;flex-direction:column;gap:12px}

/* ── HERO ── */
.hero{
  position:relative;min-height:100svh;display:flex;align-items:center;
  background:var(--ink);overflow:hidden;padding-top:var(--nav-h);
}
.hero-bg{
  position:absolute;inset:0;
  background:radial-gradient(ellipse 80% 80% at 65% 40%, rgba(11,110,95,.22) 0%, transparent 60%),
             radial-gradient(ellipse 60% 60% at 10% 80%, rgba(15,38,71,.8) 0%, transparent 70%);
}
.hero-grid{
  position:absolute;inset:0;
  background-image:
    linear-gradient(rgba(200,144,46,.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(200,144,46,.04) 1px, transparent 1px);
  background-size:56px 56px;
}
.hero-inner{
  position:relative;z-index:2;
  display:grid;grid-template-columns:1fr 1fr;
  gap:80px;align-items:center;
  max-width:1180px;margin:0 auto;padding:80px 28px;width:100%;
}
.hero-tag{
  display:inline-flex;align-items:center;gap:8px;
  background:rgba(200,144,46,.12);border:1px solid rgba(200,144,46,.25);
  border-radius:100px;padding:6px 16px;margin-bottom:28px;
  font-size:.78rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;
  color:var(--gold-light);
}
.hero-tag::before{content:'';width:6px;height:6px;border-radius:50%;background:var(--gold);animation:blink 2s infinite}
@keyframes blink{0%,100%{opacity:1}50%{opacity:.4}}
.hero h1{color:var(--white);margin-bottom:24px}
.hero h1 em{font-style:italic;color:var(--gold-light);display:block}
.hero-desc{font-size:1.1rem;line-height:1.8;color:rgba(255,255,255,.68);margin-bottom:40px;max-width:500px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:48px}
.hero-proof{
  display:grid;grid-template-columns:repeat(3,1fr);gap:1px;
  background:rgba(255,255,255,.06);border-radius:var(--r);overflow:hidden;
}
.hero-proof-item{
  padding:20px 16px;background:rgba(255,255,255,.03);text-align:center;
}
.hero-proof-num{
  font-family:'Cormorant Garant',serif;font-size:1.8rem;font-weight:700;
  color:var(--gold-light);line-height:1;margin-bottom:4px;
}
.hero-proof-label{font-size:.78rem;color:rgba(255,255,255,.5);font-weight:500}

/* Hero visual — shield illustration */
.hero-visual{display:flex;align-items:center;justify-content:center}
.hero-svg-wrap{
  position:relative;width:100%;max-width:460px;
  filter:drop-shadow(0 40px 80px rgba(11,110,95,.3));
}

/* ── TRUST STRIP ── */
.trust-strip{
  background:linear-gradient(90deg,var(--gold) 0%,var(--gold-light) 100%);
  padding:14px 0;
}
.trust-strip-inner{
  max-width:1180px;margin:0 auto;padding:0 28px;
  display:flex;align-items:center;justify-content:center;gap:40px;flex-wrap:wrap;
}
.trust-item{
  display:flex;align-items:center;gap:8px;
  font-size:.8rem;font-weight:700;color:var(--navy);letter-spacing:.03em;
}
.trust-item svg{width:15px;height:15px;stroke:var(--navy);flex-shrink:0}

/* ── LOCALITY SCROLL ── */
.locality-bar{
  background:var(--navy);padding:20px 0;overflow:hidden;
}
.locality-track{
  display:flex;gap:0;animation:scroll-x 30s linear infinite;
  white-space:nowrap;width:max-content;
}
.locality-track:hover{animation-play-state:paused}
@keyframes scroll-x{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.locality-item{
  display:inline-flex;align-items:center;gap:8px;
  padding:0 28px;border-right:1px solid rgba(255,255,255,.08);
  font-size:.82rem;font-weight:500;color:rgba(255,255,255,.6);
}
.locality-item strong{color:var(--gold-light)}
.locality-dot{width:5px;height:5px;border-radius:50%;background:var(--teal);flex-shrink:0}

/* ── SERVICE CARDS ── */
.service-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.service-card{
  position:relative;border-radius:var(--r-lg);overflow:hidden;
  background:var(--white);border:1px solid var(--cream-mid);
  box-shadow:var(--shadow-sm);transition:var(--t);
  display:flex;flex-direction:column;
}
.service-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:var(--border)}
.service-card-img{width:100%;height:200px;object-fit:cover}
.service-card-body{padding:28px 28px 32px;flex:1;display:flex;flex-direction:column}
.service-icon{
  width:48px;height:48px;border-radius:var(--r);margin-bottom:18px;
  background:linear-gradient(135deg,var(--navy),var(--teal));
  display:flex;align-items:center;justify-content:center;
  box-shadow:0 4px 16px rgba(13,21,32,.2);
}
.service-icon svg{width:22px;height:22px;stroke:white;fill:none}
.service-card h3{margin-bottom:10px}
.service-card p{font-size:.95rem;margin-bottom:20px;flex:1}
.service-link{
  display:inline-flex;align-items:center;gap:6px;
  font-size:.88rem;font-weight:700;color:var(--teal);
}
.service-link:hover{gap:10px;color:var(--gold)}
.service-link svg{width:14px;height:14px;transition:var(--t)}

/* ── WHY GRID ── */
.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.why-card{
  padding:24px;border-radius:var(--r-lg);
  background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.07);
  display:flex;gap:16px;transition:var(--t);
}
.why-card:hover{background:rgba(255,255,255,.07);border-color:rgba(200,144,46,.2)}
.why-icon{
  width:44px;height:44px;min-width:44px;border-radius:var(--r);
  background:rgba(200,144,46,.12);
  display:flex;align-items:center;justify-content:center;
}
.why-icon svg{width:20px;height:20px;stroke:var(--gold);fill:none}
.why-title{font-family:'Cormorant Garant',serif;font-size:1.05rem;color:var(--white);margin-bottom:4px;font-weight:600}
.why-desc{font-size:.88rem;color:rgba(255,255,255,.5);line-height:1.6}

/* ── LOCAL AREA SECTION ── */
.area-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.area-card{
  padding:20px 22px;border-radius:var(--r);
  background:var(--white);border:1px solid var(--cream-mid);
  transition:var(--t);
}
.area-card:hover{border-color:var(--gold);box-shadow:var(--shadow-sm);transform:translateY(-2px)}
.area-card-name{font-weight:700;color:var(--navy);font-size:.95rem;margin-bottom:4px}
.area-card-sub{font-size:.8rem;color:var(--muted)}
.area-card svg{width:14px;height:14px;stroke:var(--teal);float:right;margin-top:2px}

/* ── PROCESS ── */
.process-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;position:relative}
.process-steps::before{
  content:'';position:absolute;top:32px;left:16.66%;right:16.66%;height:1px;
  background:linear-gradient(90deg,transparent,var(--border),transparent);
}
.process-step{text-align:center;padding:36px 24px;background:var(--white);border-radius:var(--r-lg);box-shadow:var(--shadow-sm);border:1px solid var(--cream-mid)}
.process-num{
  width:60px;height:60px;border-radius:50%;
  background:linear-gradient(135deg,var(--navy),var(--teal));
  display:flex;align-items:center;justify-content:center;
  margin:0 auto 20px;box-shadow:0 8px 20px rgba(13,21,32,.2);
}
.process-num svg{width:26px;height:26px;stroke:white;fill:none}
.process-step h3{margin-bottom:10px}

/* ── CREDENTIALS ── */
.cred-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.cred-card{
  padding:32px;border-radius:var(--r-lg);text-align:center;
  background:var(--white);box-shadow:var(--shadow-sm);border:1px solid var(--cream-mid);
}
.cred-icon{
  width:56px;height:56px;border-radius:var(--r);margin:0 auto 18px;
  background:linear-gradient(135deg,var(--navy),var(--teal));
  display:flex;align-items:center;justify-content:center;
}
.cred-icon svg{width:26px;height:26px;stroke:white;fill:none}
.cred-card h3{margin-bottom:10px}

/* ── INSURER LOGOS ── */
.insurers-row{
  display:flex;align-items:center;justify-content:center;
  flex-wrap:wrap;gap:0;
  background:var(--cream-mid);border-radius:var(--r-lg);overflow:hidden;
}
.insurer-item{
  flex:0 0 auto;padding:18px 24px;text-align:center;
  border-right:1px solid var(--cream-dark);
  font-size:.82rem;font-weight:700;color:var(--muted);letter-spacing:.02em;
}
.insurer-item:last-child{border-right:none}

/* ── LOCATION PAGE hero ── */
.loc-hero{
  background:var(--navy);padding:160px 0 72px;
  position:relative;overflow:hidden;
}
.loc-hero::before{
  content:'';position:absolute;inset:0;
  background-image:linear-gradient(rgba(200,144,46,.03) 1px,transparent 1px),
                   linear-gradient(90deg,rgba(200,144,46,.03) 1px,transparent 1px);
  background-size:48px 48px;
}
.loc-hero-content{position:relative;z-index:1}
.loc-hero h1{color:var(--white);margin-bottom:18px}
.loc-hero-desc{color:rgba(255,255,255,.68);font-size:1.1rem;max-width:600px;margin-bottom:32px}
.loc-breadcrumb{
  display:flex;align-items:center;gap:8px;
  font-size:.82rem;color:rgba(255,255,255,.4);margin-bottom:28px;
}
.loc-breadcrumb a{color:rgba(255,255,255,.4)}
.loc-breadcrumb a:hover{color:var(--gold-light)}
.loc-breadcrumb svg{width:12px;height:12px;stroke:rgba(255,255,255,.3)}

/* ── PAGE HERO (inner pages) ── */
.page-hero{
  background:var(--navy);padding:155px 0 72px;position:relative;overflow:hidden;
}
.page-hero::before{
  content:'';position:absolute;inset:0;
  background-image:linear-gradient(rgba(200,144,46,.03) 1px,transparent 1px),
                   linear-gradient(90deg,rgba(200,144,46,.03) 1px,transparent 1px);
  background-size:48px 48px;
}
.page-hero-content{position:relative;z-index:1}
.page-hero h1{color:var(--white);margin-bottom:16px}
.page-hero p{color:rgba(255,255,255,.65);font-size:1.1rem;max-width:600px}

/* ── FAQ ── */
.faq-list{display:flex;flex-direction:column;gap:0}
.faq-item{border-bottom:1px solid var(--border)}
.faq-item:first-child{border-top:1px solid var(--border)}
.faq-q{
  width:100%;display:flex;align-items:center;justify-content:space-between;gap:16px;
  padding:22px 0;background:none;border:none;text-align:left;
  font-family:'Cormorant Garant',serif;font-size:1.1rem;font-weight:600;
  color:var(--navy);cursor:pointer;transition:var(--t);
}
.faq-q:hover{color:var(--teal)}
.faq-toggle{
  width:28px;height:28px;min-width:28px;border-radius:50%;
  background:var(--cream-mid);display:flex;align-items:center;justify-content:center;
  transition:var(--t);
}
.faq-toggle svg{width:14px;height:14px;stroke:var(--teal);transition:var(--t)}
.faq-item.open .faq-toggle{background:var(--teal)}
.faq-item.open .faq-toggle svg{stroke:var(--white);transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .4s var(--ease)}
.faq-a p{padding-bottom:22px;font-size:.97rem;line-height:1.8}
.faq-item.open .faq-a{max-height:400px}

/* ── FEATURE LIST ── */
.feat-list{display:flex;flex-direction:column;gap:12px}
.feat-list li{
  display:flex;align-items:flex-start;gap:12px;
  font-size:.97rem;color:var(--muted);
}
.feat-check{
  width:22px;height:22px;min-width:22px;border-radius:50%;
  background:var(--teal);display:flex;align-items:center;justify-content:center;
  margin-top:1px;
}
.feat-check svg{width:11px;height:11px;stroke:white;fill:none;stroke-width:2.5}

/* ── PLAN CARDS ── */
.plan-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.plan-card{
  border:2px solid var(--cream-mid);border-radius:var(--r-lg);padding:32px;
  transition:var(--t);position:relative;
}
.plan-card:hover{border-color:var(--gold);box-shadow:var(--shadow)}
.plan-card.featured{background:var(--navy);border-color:var(--gold)}
.plan-card.featured h3,.plan-card.featured .plan-type{color:var(--white)}
.plan-card.featured p{color:rgba(255,255,255,.6)}
.plan-card.featured .feat-list li{color:rgba(255,255,255,.65)}
.plan-card.featured .feat-check{background:var(--gold)}
.plan-badge{
  position:absolute;top:-13px;left:50%;transform:translateX(-50%);
  background:var(--gold);color:var(--navy);font-size:.72rem;font-weight:700;
  padding:4px 16px;border-radius:100px;white-space:nowrap;
}
.plan-type{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:var(--teal);margin-bottom:8px}
.plan-card h3{margin-bottom:12px}
.plan-card p{font-size:.9rem;margin-bottom:20px}
.plan-card .feat-list{margin-bottom:28px}

/* ── CTA SECTION ── */
.cta-band{
  background:linear-gradient(135deg,var(--navy) 0%,var(--teal) 100%);
  padding:96px 0;text-align:center;position:relative;overflow:hidden;
}
.cta-band::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(ellipse 60% 60% at 50% 50%,rgba(200,144,46,.08),transparent);
}
.cta-band-content{position:relative;z-index:1}
.cta-band h2{color:var(--white);margin-bottom:14px}
.cta-band p{color:rgba(255,255,255,.72);font-size:1.1rem;max-width:520px;margin:0 auto 36px}
.cta-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* ── FOOTER ── */
.footer{background:var(--ink);padding:72px 0 0}
.footer-grid{display:grid;grid-template-columns:2.2fr 1fr 1fr 1.4fr;gap:48px;margin-bottom:48px}
.footer-brand p{font-size:.9rem;color:rgba(255,255,255,.45);line-height:1.75;margin:14px 0 20px;max-width:280px}
.footer-reg{font-size:.76rem;color:rgba(255,255,255,.28);line-height:1.6}
.footer-head{
  font-family:'Cormorant Garant',serif;font-size:1rem;
  color:var(--white);margin-bottom:18px;
}
.footer-links{display:flex;flex-direction:column;gap:10px}
.footer-links a{font-size:.88rem;color:rgba(255,255,255,.45);transition:var(--t)}
.footer-links a:hover{color:var(--gold-light);padding-left:4px}
.footer-contact-item{display:flex;align-items:flex-start;gap:10px;margin-bottom:14px;font-size:.88rem}
.footer-contact-item svg{width:15px;height:15px;stroke:var(--gold);flex-shrink:0;margin-top:2px}
.footer-contact-item a,.footer-contact-item span{color:rgba(255,255,255,.5);transition:var(--t)}
.footer-contact-item a:hover{color:var(--gold-light)}
.footer-disc{
  border-top:1px solid rgba(255,255,255,.06);
  padding:20px 0;font-size:.76rem;color:rgba(255,255,255,.28);line-height:1.7;
}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.06);
  padding:20px 0;display:flex;align-items:center;justify-content:space-between;
  flex-wrap:wrap;gap:12px;
}
.footer-bottom span{font-size:.8rem;color:rgba(255,255,255,.3)}
.footer-bottom-links{display:flex;gap:24px}
.footer-bottom-links a{font-size:.8rem;color:rgba(255,255,255,.3)}
.footer-bottom-links a:hover{color:var(--gold-light)}

/* ── ARTICLE / LEGAL ── */
.article-hero{background:var(--navy);padding:155px 0 64px;position:relative;overflow:hidden}
.article-hero::before{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(200,144,46,.03) 1px,transparent 1px),linear-gradient(90deg,rgba(200,144,46,.03) 1px,transparent 1px);background-size:48px 48px}
.article-hero-content{position:relative;z-index:1;max-width:760px}
.article-hero h1{color:var(--white);font-size:clamp(1.9rem,3.5vw,2.8rem);margin-bottom:18px}
.article-hero-desc{color:rgba(255,255,255,.65);font-size:1.05rem;line-height:1.75;max-width:640px}
.article-meta{display:flex;align-items:center;gap:20px;flex-wrap:wrap;margin-top:20px}
.article-meta-item{display:flex;align-items:center;gap:6px;font-size:.82rem;color:rgba(255,255,255,.45)}
.article-meta-item svg{width:13px;height:13px;stroke:rgba(255,255,255,.4)}

.article-layout{display:grid;grid-template-columns:1fr 300px;gap:56px;max-width:1100px;margin:0 auto;padding:64px 28px 96px;align-items:start}
.article-body h2{font-family:'Cormorant Garant',serif;font-size:1.55rem;color:var(--navy);margin:40px 0 14px}
.article-body h3{font-family:'Cormorant Garant',serif;font-size:1.2rem;color:var(--navy);margin:28px 0 10px}
.article-body p{margin-bottom:18px;font-size:1rem;line-height:1.85}
.article-body ul,.article-body ol{margin:0 0 18px 24px;color:var(--muted);font-size:1rem;line-height:1.85}
.article-body li{margin-bottom:8px}
.article-body a{color:var(--teal);text-decoration:underline}
.article-body strong{color:var(--text)}
.article-callout{background:var(--cream-mid);border-left:4px solid var(--gold);border-radius:0 var(--r) var(--r) 0;padding:20px 24px;margin:24px 0}
.article-callout p{margin:0;font-size:.97rem;color:var(--text)}
.article-table{width:100%;border-collapse:collapse;margin:24px 0;font-size:.92rem}
.article-table th{background:var(--navy);color:var(--white);padding:12px 16px;text-align:left;font-weight:600;font-family:'Outfit',sans-serif}
.article-table td{padding:11px 16px;border-bottom:1px solid var(--cream-mid);color:var(--muted)}
.article-table tr:nth-child(even) td{background:var(--cream)}
.article-cta{background:linear-gradient(135deg,var(--navy),var(--teal));border-radius:var(--r-lg);padding:36px;margin:44px 0;text-align:center}
.article-cta h3{color:var(--white);margin-bottom:10px}
.article-cta p{color:rgba(255,255,255,.7);margin-bottom:22px;font-size:.97rem}
.article-disclaimer{margin-top:32px;padding-top:16px;border-top:1px solid var(--cream-mid);font-size:.78rem;color:var(--muted);line-height:1.6}

.sidebar-toc{background:var(--white);border:1px solid var(--cream-mid);border-radius:var(--r-lg);padding:24px;margin-bottom:20px}
.sidebar-toc h4{font-size:.75rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:14px}
.sidebar-toc ol{padding-left:18px}
.sidebar-toc li{margin-bottom:8px}
.sidebar-toc a{font-size:.88rem;color:var(--muted)}
.sidebar-toc a:hover{color:var(--teal)}
.sidebar-cta{background:var(--navy);border-radius:var(--r-lg);padding:28px;text-align:center}
.sidebar-cta h4{color:var(--white);font-size:1rem;margin-bottom:8px}
.sidebar-cta p{color:rgba(255,255,255,.55);font-size:.88rem;margin-bottom:18px}
.sidebar-cta .btn{width:100%;justify-content:center}

.legal-body{max-width:760px;margin:0 auto;padding:64px 28px 96px}
.legal-body h2{font-size:1.35rem;margin:36px 0 12px}
.legal-body h3{font-size:1.05rem;margin:24px 0 8px}
.legal-body p,.legal-body li{color:var(--muted);font-size:.97rem;line-height:1.8;margin-bottom:14px}
.legal-body ul{padding-left:22px}
.legal-body li{margin-bottom:8px}
.legal-body a{color:var(--teal)}
.legal-updated{display:inline-block;background:var(--cream-mid);border-radius:var(--r-sm);padding:6px 14px;font-size:.8rem;color:var(--muted);margin-bottom:28px}

/* ── BLOG LISTING ── */
.blog-featured{display:grid;grid-template-columns:1.2fr 1fr;border-radius:var(--r-xl);overflow:hidden;box-shadow:var(--shadow-lg);background:var(--white);margin-bottom:56px}
.blog-featured img{width:100%;height:100%;object-fit:cover;display:block;min-height:340px}
.blog-featured-body{padding:40px}
.blog-tag{display:inline-block;background:rgba(11,110,95,.1);color:var(--teal);font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:4px 12px;border-radius:100px;margin-bottom:14px}
.blog-card{background:var(--white);border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-sm);border:1px solid var(--cream-mid);transition:var(--t)}
.blog-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.blog-card img{width:100%;height:195px;object-fit:cover}
.blog-card-body{padding:24px}
.blog-card-title{font-family:'Cormorant Garant',serif;font-size:1.1rem;color:var(--navy);line-height:1.35;margin-bottom:10px}
.blog-card-title a:hover{color:var(--teal)}
.blog-card p{font-size:.88rem;margin-bottom:16px}
.blog-card-meta{display:flex;align-items:center;justify-content:space-between;font-size:.78rem;color:var(--muted)}
.blog-card-meta a{color:var(--teal);font-weight:600;font-size:.82rem}
.blog-card-meta a:hover{color:var(--gold)}

/* ── CONTACT ── */
.contact-form{background:var(--white);border-radius:var(--r-xl);padding:48px;box-shadow:var(--shadow-lg)}
.form-group{display:flex;flex-direction:column;gap:7px;margin-bottom:18px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.form-group label{font-size:.82rem;font-weight:700;color:var(--navy);letter-spacing:.02em}
.form-group input,.form-group select,.form-group textarea{
  padding:12px 15px;border:1.5px solid var(--cream-mid);border-radius:var(--r-sm);
  font-family:'Outfit',sans-serif;font-size:.95rem;color:var(--text);
  background:var(--cream);outline:none;transition:var(--t);
}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{border-color:var(--teal);background:var(--white);box-shadow:0 0 0 3px rgba(11,110,95,.09)}
.form-group textarea{resize:vertical;min-height:110px}

/* ── CHATBOT ── */
#sw-chatbot{position:fixed;bottom:28px;left:28px;z-index:9000;font-family:'Outfit',sans-serif}
.sw-bubble{
  width:56px;height:56px;border-radius:50%;cursor:pointer;
  background:linear-gradient(135deg,var(--navy),var(--teal));
  display:flex;align-items:center;justify-content:center;
  box-shadow:0 6px 24px rgba(13,21,32,.35);
  transition:var(--t);position:relative;
  animation:chat-idle 3s ease-in-out infinite;
}
.sw-bubble:hover{transform:scale(1.1);animation:none}
@keyframes chat-idle{0%,100%{transform:translateY(0)}50%{transform:translateY(-5px)}}
.sw-bubble svg{width:24px;height:24px;stroke:white;fill:none}
.sw-notif{
  display:none;position:absolute;top:-4px;right:-4px;
  width:17px;height:17px;background:var(--gold);color:var(--navy);
  border-radius:50%;font-size:.65rem;font-weight:700;
  align-items:center;justify-content:center;
}
.sw-window{
  position:absolute;bottom:68px;left:0;width:340px;height:500px;
  background:var(--cream);border-radius:var(--r-xl);
  box-shadow:var(--shadow-xl);display:none;flex-direction:column;overflow:hidden;
}
.sw-window.open{display:flex;animation:chat-open .3s var(--ease)}
@keyframes chat-open{from{opacity:0;transform:scale(.9) translateY(12px)}to{opacity:1;transform:none}}
.sw-header{background:linear-gradient(135deg,var(--navy),var(--navy-mid));padding:16px 18px;display:flex;align-items:center;gap:12px;flex-shrink:0}
.sw-avatar{width:38px;height:38px;border-radius:50%;background:var(--gold);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.sw-avatar svg{width:18px;height:18px;stroke:var(--navy);fill:none}
.sw-header-info{flex:1}
.sw-name{color:white;font-weight:600;font-size:.92rem;display:flex;align-items:center;gap:7px}
.sw-ai-badge{background:rgba(200,144,46,.2);color:var(--gold-light);font-size:.62rem;font-weight:700;padding:2px 6px;border-radius:4px;letter-spacing:.06em}
.sw-status{color:rgba(255,255,255,.5);font-size:.75rem;display:flex;align-items:center;gap:5px;margin-top:2px}
.sw-dot{width:6px;height:6px;border-radius:50%;background:#4ade80;animation:dot-pulse 2s infinite}
@keyframes dot-pulse{0%,100%{opacity:1}50%{opacity:.4}}
.sw-close-btn{background:none;border:none;cursor:pointer;color:rgba(255,255,255,.4);font-size:.95rem;padding:4px}
.sw-close-btn:hover{color:white}
.sw-msgs{flex:1;overflow-y:auto;padding:14px;display:flex;flex-direction:column;gap:10px;scroll-behavior:smooth}
.sw-msgs::-webkit-scrollbar{width:3px}
.sw-msgs::-webkit-scrollbar-thumb{background:rgba(13,21,32,.15);border-radius:2px}
.sw-msg{max-width:84%;animation:msg-in .25s ease}
@keyframes msg-in{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.sw-msg.bot{align-self:flex-start}
.sw-msg.user{align-self:flex-end}
.sw-bubble-msg{padding:10px 13px;border-radius:14px;font-size:.88rem;line-height:1.5}
.sw-msg.bot .sw-bubble-msg{background:white;color:var(--text);border-bottom-left-radius:4px;box-shadow:0 2px 8px rgba(13,21,32,.07)}
.sw-msg.user .sw-bubble-msg{background:var(--navy);color:white;border-bottom-right-radius:4px}
.sw-bubble-msg strong{color:var(--gold)}
.sw-typing{align-self:flex-start;background:white;padding:12px 16px;border-radius:14px;border-bottom-left-radius:4px;display:flex;gap:4px;align-items:center;box-shadow:0 2px 8px rgba(13,21,32,.07)}
.sw-type-dot{width:6px;height:6px;border-radius:50%;background:var(--teal);animation:sw-bounce 1.2s infinite}
.sw-type-dot:nth-child(2){animation-delay:.2s}
.sw-type-dot:nth-child(3){animation-delay:.4s}
@keyframes sw-bounce{0%,60%,100%{transform:translateY(0)}30%{transform:translateY(-7px)}}
.sw-input-area{padding:10px 12px;background:white;border-top:1px solid var(--cream-mid);flex-shrink:0}
.sw-opts{display:flex;flex-wrap:wrap;gap:7px}
.sw-opt{
  padding:7px 13px;background:white;color:var(--navy);
  border:1.5px solid var(--gold);border-radius:100px;
  font-size:.82rem;font-weight:500;cursor:pointer;transition:var(--t);
  font-family:'Outfit',sans-serif;
}
.sw-opt:hover{background:var(--navy);color:white;border-color:var(--navy)}
.sw-text-row{display:flex;gap:7px}
.sw-text-row input,.sw-text-row textarea{
  flex:1;padding:9px 13px;border:1.5px solid var(--cream-mid);border-radius:var(--r-sm);
  font-family:'Outfit',sans-serif;font-size:.88rem;color:var(--text);
  background:var(--cream);outline:none;transition:var(--t);
}
.sw-text-row input:focus,.sw-text-row textarea:focus{border-color:var(--teal);background:white}
.sw-send{
  width:38px;height:38px;min-width:38px;background:var(--navy);color:white;
  border:none;border-radius:var(--r-sm);cursor:pointer;display:flex;
  align-items:center;justify-content:center;transition:var(--t);
  font-size:.9rem;
}
.sw-send:hover{background:var(--teal)}
.sw-send svg{width:15px;height:15px;stroke:white;fill:none}
.sw-err{color:#dc2626;font-size:.75rem;margin-top:5px;padding:0 2px}
.sw-skip-row{text-align:center;margin-top:6px}
.sw-skip{background:none;border:none;font-size:.75rem;color:var(--muted);text-decoration:underline;cursor:pointer;font-family:'Outfit',sans-serif}
.sw-done-state{display:flex;flex-direction:column;align-items:center;gap:10px;padding:16px 12px;text-align:center}
.sw-done-state svg{width:42px;height:42px;stroke:var(--teal);fill:none}
.sw-done-state h4{color:var(--navy);font-size:.97rem}
.sw-done-state p{font-size:.83rem;color:var(--muted);line-height:1.5}

/* ── ANIMATIONS ── */
.fade-up{opacity:0;transform:translateY(28px);transition:opacity .6s ease,transform .6s ease}
.fade-up.visible{opacity:1;transform:none}

/* ── RESPONSIVE ── */
@media(max-width:1024px){
  .footer-grid{grid-template-columns:1fr 1fr}
  .grid-4{grid-template-columns:1fr 1fr}
}
@media(max-width:860px){
  .hero-inner{grid-template-columns:1fr;gap:48px;padding:60px 28px}
  .hero-visual{display:none}
  .hero-proof{grid-template-columns:repeat(3,1fr)}
  .grid-2{grid-template-columns:1fr;gap:36px}
  .grid-3,.service-grid,.area-grid,.cred-grid,.plan-grid,.process-steps{grid-template-columns:1fr}
  .process-steps::before{display:none}
  .why-grid{grid-template-columns:1fr}
  .article-layout{grid-template-columns:1fr}
  .sidebar-toc{display:none}
  .blog-featured{grid-template-columns:1fr}
  .blog-featured img{min-height:220px}
  .contact-form{padding:28px}
  .form-row{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr;gap:28px}
  .trust-strip-inner{gap:20px}
  .insurers-row{justify-content:flex-start}
  .nav-links,.nav-phone{display:none}
  .nav-burger{display:flex}
  #sw-chatbot{bottom:16px;left:16px}
  .sw-window{width:calc(100vw - 32px)}
}
@media(max-width:480px){
  .wrap{padding:0 18px}
  .hero-proof{grid-template-columns:1fr 1fr;gap:1px}
  .hero-actions{flex-direction:column}
  .btn-lg{width:100%;justify-content:center}
}

/* ============================================================
   SagaWealth v4 — UI/UX Fixes
   ============================================================ */

/* ── FIX 1: sw-icon system — SVGs sized by context ── */
/* Stand-alone sw-icon (inside icon containers like .service-icon, .why-icon etc.) */
svg.sw-icon { display:block; width:100%; height:100%; }

/* sw-icon used inline next to text (nav, trust strip, footer, buttons) */
svg.sw-icon.icon-sm { width:16px; height:16px; flex-shrink:0; display:inline-block; vertical-align:middle; }
svg.sw-icon.icon-md { width:20px; height:20px; flex-shrink:0; display:inline-block; vertical-align:middle; }

/* Trust strip — sw-icon overrides the generic selector */
.trust-item svg.sw-icon { width:15px; height:15px; flex-shrink:0; }

/* Footer contact icons */
.footer-contact-item svg.sw-icon { width:15px; height:15px; flex-shrink:0; margin-top:2px; }

/* Nav drop icons */
.nav-drop a svg.sw-icon { width:14px; height:14px; }

/* Process step icons */
.process-num svg.sw-icon { width:26px; height:26px; stroke:white; fill:none; }

/* Service/cred icons — fill parent container */
.service-icon svg.sw-icon,
.cred-icon svg.sw-icon,
.why-icon svg.sw-icon { width:22px; height:22px; }

/* ── FIX 2: Chatbot button — prevent icon distortion ── */
.sw-bubble svg { width:24px; height:24px; stroke:white; fill:none; flex-shrink:0; }
.sw-avatar svg { width:18px; height:18px; flex-shrink:0; }
.sw-send svg   { width:15px; height:15px; flex-shrink:0; }

/* ── FIX 3: Mobile nav — has-drop tap support ── */
/* Dropdown becomes a block list on mobile instead of hover dropdown */
@media (max-width:860px) {
  .nav-drop {
    position:static;
    opacity:1;
    visibility:visible;
    transform:none;
    box-shadow:none;
    background:transparent;
    border:none;
    padding:0;
    display:none;
  }
  /* has-drop is hidden on desktop mobile nav — links are flattened in .mobile-nav */
}

/* ── FIX 4: Mobile buttons — full width from 600px, not just 480px ── */
@media (max-width:600px) {
  .hero-actions { flex-direction:column; }
  .cta-actions  { flex-direction:column; align-items:center; }
  .btn-lg { width:100%; justify-content:center; }
  .loc-hero .btn-lg { width:100%; justify-content:center; }
}

/* ── FIX 5: h1 minimum size on very small screens (320px) ── */
@media (max-width:360px) {
  h1 { font-size:2.1rem; }
  h2 { font-size:1.75rem; }
  .hero h1 { font-size:2.1rem; }
  .loc-hero h1, .page-hero h1 { font-size:2rem; }
}

/* ── FIX 6: Eyebrow decorative lines — collapse on mobile ── */
@media (max-width:600px) {
  .eyebrow::before, .eyebrow::after { flex:0 0 12px; }
}

/* ── FIX 7: Contact form — better mobile padding ── */
@media (max-width:480px) {
  .contact-form { padding:22px 18px; border-radius:var(--r-lg); }
}

/* ── FIX 8: Chatbot window — safe area on modern phones ── */
@media (max-width:860px) {
  #sw-chatbot { bottom:16px; left:16px; }
  .sw-window {
    width:calc(100vw - 32px);
    max-height:calc(100svh - 100px);
    bottom:72px;
    border-radius:var(--r-xl);
  }
  .sw-bubble { width:52px; height:52px; }
}

/* ── FIX 9: Trust strip — tighter on mobile, no overflow ── */
@media (max-width:600px) {
  .trust-strip-inner {
    gap:16px;
    justify-content:flex-start;
    overflow-x:auto;
    flex-wrap:nowrap;
    -webkit-overflow-scrolling:touch;
    padding-bottom:2px;
  }
  .trust-item { white-space:nowrap; flex-shrink:0; }
}

/* ── FIX 10: Article layout sidebar — hide gracefully on tablet ── */
@media (max-width:860px) {
  .article-layout { grid-template-columns:1fr; padding:40px 18px 64px; gap:36px; }
  .sidebar-toc, .sidebar-cta { display:none; }
}

/* ── FIX 11: Footer grid — single column stacks better on phone ── */
@media (max-width:480px) {
  .footer { padding:48px 0 0; }
  .footer-grid { gap:20px; }
  .footer-bottom { flex-direction:column; align-items:flex-start; gap:8px; }
  .footer-bottom-links { gap:16px; }
}

/* ── FIX 12: Plan cards on mobile — remove overflow from badge ── */
@media (max-width:600px) {
  .plan-grid { gap:14px; }
  .plan-card { padding:24px 20px; }
  .plan-badge { font-size:.65rem; padding:3px 12px; }
}

/* ── FIX 13: Blog featured card stacking on mobile ── */
@media (max-width:600px) {
  .blog-featured { border-radius:var(--r-lg); }
  .blog-featured-body { padding:24px 20px; }
}

/* ── FIX 14: Loc-hero padding — prevent content hiding under fixed nav ── */
@media (max-width:860px) {
  .loc-hero { padding:120px 0 52px; }
  .page-hero { padding:120px 0 52px; }
}

/* ── FIX 15: Nav logo mark — don't shrink on small screens ── */
.nav-logo-mark { flex-shrink:0; }
.nav-logo-text { white-space:nowrap; }

/* ── FIX 16: Hero proof (stats bar) — min readable size on mobile ── */
@media (max-width:480px) {
  .hero-proof-num  { font-size:1.4rem; }
  .hero-proof-item { padding:14px 10px; }
}

/* ── FIX 17: Service-link arrow icon explicit size ── */
.service-link svg { width:14px !important; height:14px !important; flex-shrink:0; }

/* ── FIX 18: FAQ toggle — ensure 28px tap target on mobile ── */
.faq-toggle {
  width:28px; height:28px; min-width:28px;
  -webkit-tap-highlight-color:transparent;
}
@media (max-width:860px) {
  .faq-q { padding:18px 0; font-size:1rem; }
  .faq-toggle { width:32px; height:32px; min-width:32px; }
  .faq-toggle svg { width:16px; height:16px; }
}

/* ── FIX 19: Section padding — less aggressive on mobile ── */
@media (max-width:860px) {
  .section { padding:64px 0; }
  .sec-head { margin-bottom:36px; }
}
@media (max-width:480px) {
  .section { padding:48px 0; }
}

/* ── FIX 20: Why-card icon alignment on mobile ── */
@media (max-width:480px) {
  .why-card { flex-direction:column; gap:12px; }
  .why-icon { width:40px; height:40px; min-width:40px; }
}

/* ============================================================
   SagaWealth v4.1 — Conversion & SEO sections
   ============================================================ */

/* ── Hero hooks (trust bullets below CTA) ── */
.hero-hooks {
  display:flex; flex-wrap:wrap; gap:10px 22px; margin-top:22px;
}
.hero-hook {
  display:inline-flex; align-items:center; gap:7px;
  font-size:.85rem; font-weight:500; color:rgba(255,255,255,.72);
}
.hero-hook svg { width:14px; height:14px; stroke:var(--teal); flex-shrink:0; }

/* ── Lead Magnet Section ── */
.lead-magnet-section { background:var(--navy); }
.lead-magnet-card {
  display:grid; grid-template-columns:1fr auto;
  gap:48px; align-items:center;
  background:rgba(255,255,255,.04);
  border:1px solid rgba(200,144,46,.2);
  border-radius:var(--r-xl); padding:52px 56px;
  position:relative; overflow:hidden;
}
.lead-magnet-card::before {
  content:''; position:absolute; inset:0;
  background:radial-gradient(ellipse 60% 80% at 80% 50%, rgba(200,144,46,.06), transparent);
  pointer-events:none;
}
.lead-magnet-icon {
  width:52px; height:52px; border-radius:var(--r-lg);
  background:rgba(200,144,46,.15); border:1px solid rgba(200,144,46,.3);
  display:flex; align-items:center; justify-content:center; margin-bottom:20px;
}
.lead-magnet-icon svg { width:26px; height:26px; stroke:var(--gold); fill:none; }
.lead-magnet-tag {
  font-family:'Outfit',sans-serif; font-size:.72rem; font-weight:700;
  letter-spacing:.12em; text-transform:uppercase; color:var(--gold);
  margin-bottom:14px;
}
.lead-magnet-h {
  font-family:'Cormorant Garant',serif; font-size:clamp(1.7rem,3vw,2.4rem);
  font-weight:700; color:var(--white); line-height:1.15;
  letter-spacing:-.02em; margin-bottom:14px;
}
.lead-magnet-desc { color:rgba(255,255,255,.6); font-size:.97rem; line-height:1.75; margin-bottom:22px; }
.lead-magnet-list { list-style:none; display:flex; flex-direction:column; gap:10px; margin-bottom:28px; }
.lead-magnet-list li {
  display:flex; align-items:flex-start; gap:10px;
  font-size:.9rem; color:rgba(255,255,255,.7); line-height:1.5;
}
.lead-magnet-list svg { width:14px; height:14px; stroke:var(--teal); flex-shrink:0; margin-top:2px; }
.lead-magnet-form {
  display:flex; gap:10px; flex-wrap:wrap;
}
.lead-magnet-form input {
  flex:1; min-width:180px; padding:14px 16px;
  border:1.5px solid rgba(200,144,46,.3); border-radius:var(--r-sm);
  background:rgba(255,255,255,.06); color:var(--white);
  font-family:'Outfit',sans-serif; font-size:.97rem;
  outline:none; transition:var(--t);
}
.lead-magnet-form input::placeholder { color:rgba(255,255,255,.35); }
.lead-magnet-form input:focus { border-color:var(--gold); background:rgba(255,255,255,.1); }
.lead-magnet-success {
  display:flex; align-items:center; gap:10px;
  color:var(--white); font-size:.95rem; margin-top:4px;
}
.lead-magnet-privacy { font-size:.75rem; color:rgba(255,255,255,.3); margin-top:10px; }

/* PDF mock visual */
.lead-magnet-visual { flex-shrink:0; }
.lm-pdf-mock {
  width:160px; background:var(--white);
  border-radius:var(--r-lg); padding:20px 18px;
  box-shadow:0 32px 64px rgba(0,0,0,.4);
  transform:rotate(2deg);
}
.lm-pdf-header { display:flex; align-items:center; justify-content:space-between; margin-bottom:14px; }
.lm-pdf-logo { font-family:'Cormorant Garant',serif; font-size:.78rem; font-weight:700; color:var(--navy); }
.lm-pdf-tag { font-size:.58rem; font-weight:700; letter-spacing:.06em; background:var(--gold); color:var(--navy); padding:2px 6px; border-radius:3px; }
.lm-pdf-title { font-family:'Cormorant Garant',serif; font-size:1.05rem; font-weight:700; color:var(--navy); line-height:1.25; margin-bottom:6px; }
.lm-pdf-sub { font-size:.62rem; color:var(--muted); margin-bottom:14px; }
.lm-pdf-lines { display:flex; flex-direction:column; gap:5px; margin-bottom:14px; }
.lm-pdf-lines div { height:5px; background:var(--cream-mid); border-radius:3px; }
.lm-pdf-lines .short { width:60%; }
.lm-pdf-badge { font-size:.6rem; color:var(--muted); text-align:center; border-top:1px solid var(--cream-mid); padding-top:8px; }

/* ── AI Content Section ── */
.ai-content-section {}
.ai-list { list-style:none; display:flex; flex-direction:column; gap:10px; margin-bottom:0; }
.ai-list li { display:flex; align-items:flex-start; gap:10px; font-size:.97rem; color:var(--muted); }
.ai-list svg { width:15px; height:15px; stroke:var(--teal); flex-shrink:0; margin-top:2px; }
.ai-why-grid { display:grid; grid-template-columns:1fr 1fr; gap:14px; }
.ai-why-card {
  background:var(--white); border:1px solid var(--cream-mid);
  border-radius:var(--r-lg); padding:18px 16px;
}
.ai-why-card strong { display:block; color:var(--navy); font-size:.92rem; margin-bottom:5px; }
.ai-why-card p { font-size:.83rem; line-height:1.6; margin:0; }

/* ── Floating WhatsApp button ── */
.wa-float {
  position:fixed; bottom:96px; right:24px; z-index:8000;
  display:flex; align-items:center; gap:10px;
  background:#25D366; color:white;
  border-radius:100px; padding:12px 20px 12px 14px;
  box-shadow:0 6px 28px rgba(37,211,102,.45);
  font-family:'Outfit',sans-serif; font-size:.88rem; font-weight:600;
  text-decoration:none; transition:var(--t);
  animation:wa-bounce 3s ease-in-out infinite;
}
.wa-float:hover { transform:translateY(-3px) scale(1.03); box-shadow:0 10px 36px rgba(37,211,102,.55); animation:none; }
.wa-float svg { width:22px; height:22px; fill:#25D366; stroke:none; color:white; flex-shrink:0; }
.wa-float svg path { fill:white; }
@keyframes wa-bounce { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-6px)} }

@media (max-width:860px) {
  .wa-float { bottom:80px; right:16px; padding:11px 16px 11px 12px; font-size:.82rem; }
  .wa-float-label { display:none; }
  .wa-float { border-radius:50%; width:50px; height:50px; padding:0; justify-content:center; }
}

/* Lead magnet mobile */
@media (max-width:860px) {
  .lead-magnet-card { grid-template-columns:1fr; padding:36px 28px; gap:32px; }
  .lead-magnet-visual { display:none; }
  .ai-why-grid { grid-template-columns:1fr; }
}
@media (max-width:480px) {
  .lead-magnet-card { padding:28px 20px; }
  .lead-magnet-form { flex-direction:column; }
  .lead-magnet-form input { min-width:unset; }
  .lead-magnet-form .btn { width:100%; justify-content:center; }
}