/* ============================================================
   MG Capital – Inner Pages Stylesheet (pages.css)
   ============================================================ */

/* ============================================================
   INNER HERO
   ============================================================ */
.inner-hero {
  padding: 72px 0;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 60%, #1e4d7a 100%);
  position: relative;
  overflow: hidden;
}
.inner-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 70% 50%, rgba(224,123,84,.15) 0%, transparent 60%);
  pointer-events: none;
}
.inner-hero__content {
  position: relative;
  z-index: 1;
}
.inner-hero__eyebrow {
  font-size: .8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--coral-light);
  margin-bottom: 12px;
  display: block;
}
.inner-hero__title {
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  font-weight: 700;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 16px;
}
.inner-hero__sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,.8);
  max-width: 560px;
  line-height: 1.7;
}

/* ============================================================
   BREADCRUMB
   ============================================================ */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .8rem;
  color: rgba(255,255,255,.55);
  margin-bottom: 24px;
  flex-wrap: wrap;
}
.breadcrumb a {
  color: rgba(255,255,255,.65);
  transition: color .2s;
}
.breadcrumb a:hover { color: var(--white); }
.breadcrumb__sep {
  color: rgba(255,255,255,.35);
  font-size: .7rem;
}
.breadcrumb__current { color: rgba(255,255,255,.85); }

/* ============================================================
   CONTENT SECTIONS
   ============================================================ */
.content-section {
  padding: 80px 0;
  background: var(--white);
}
.content-section--alt {
  background: #f7f8fa;
}
.content-section--navy {
  background: #0d2035;
  color: var(--white);
}
.content-section--navy .section-header h2 { color: var(--white); }
.content-section--navy .section-header p { color: rgba(255,255,255,.75); }
.content-section--navy p { color: rgba(255,255,255,.8); }

/* ============================================================
   TWO COLUMN LAYOUT
   ============================================================ */
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.two-col--flip > *:first-child { order: 2; }
.two-col--flip > *:last-child  { order: 1; }

.two-col__text h2 {
  font-size: clamp(1.5rem, 2.5vw, 2rem);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
  line-height: 1.25;
}
.two-col__text p {
  font-size: .95rem;
  color: var(--text-light);
  line-height: 1.75;
  margin-bottom: 14px;
}
.two-col__text p:last-child { margin-bottom: 0; }
.two-col__text .btn { margin-top: 8px; }

.two-col__image {
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 4/3;
  background: linear-gradient(135deg, rgba(224,123,84,.2) 0%, rgba(13,32,53,.15) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--coral);
  font-size: 3rem;
}
.two-col__image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.image-placeholder {
  width: 100%;
  aspect-ratio: 4/3;
  background: linear-gradient(135deg, rgba(224,123,84,.18) 0%, rgba(13,32,53,.12) 100%);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--coral);
  font-size: 3.5rem;
}

/* ============================================================
   STEPS LIST
   ============================================================ */
.steps-list {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.step {
  display: grid;
  grid-template-columns: 48px 1fr;
  gap: 20px;
  padding-bottom: 32px;
  position: relative;
}
.step:last-child { padding-bottom: 0; }
.step__marker {
  display: flex;
  flex-direction: column;
  align-items: center;
  flex-shrink: 0;
}
.step__number {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--coral);
  color: var(--white);
  font-size: 1.05rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  z-index: 1;
  position: relative;
}
.step__line {
  width: 2px;
  flex: 1;
  background: var(--border);
  margin-top: 8px;
}
.step:last-child .step__line { display: none; }
.step__body { padding-top: 10px; }
.step__body h3 {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}
.step__body p {
  font-size: .9rem;
  color: var(--text-light);
  line-height: 1.7;
}

/* ============================================================
   BENEFITS GRID
   ============================================================ */
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: 24px;
}
.benefits-grid--3 {
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
}
.benefit-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.benefit-item:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
  border-color: rgba(224,123,84,.3);
}
.benefit-item__icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: rgba(224,123,84,.1);
  color: var(--coral);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
}
.benefit-item h4 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
}
.benefit-item p {
  font-size: .88rem;
  color: var(--text-light);
  line-height: 1.65;
  flex: 1;
}

/* Alt benefit items on navy background */
.content-section--navy .benefit-item {
  background: rgba(255,255,255,.06);
  border-color: rgba(255,255,255,.12);
}
.content-section--navy .benefit-item h4 { color: var(--white); }
.content-section--navy .benefit-item p { color: rgba(255,255,255,.7); }

/* ============================================================
   FAQ ACCORDION
   ============================================================ */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 0;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.faq-item {
  border-bottom: 1px solid var(--border);
}
.faq-item:last-child { border-bottom: none; }
.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 24px;
  cursor: pointer;
  background: var(--white);
  transition: background .2s;
  user-select: none;
}
.faq-question:hover { background: var(--off-white); }
.faq-question h4 {
  font-size: .95rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.4;
}
.faq-question .faq-chevron {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--grey-light);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--grey-dark);
  font-size: .75rem;
  transition: transform .25s ease, background .2s;
}
.faq-item.open .faq-question .faq-chevron {
  transform: rotate(180deg);
  background: var(--coral);
  color: var(--white);
}
.faq-answer {
  display: none;
  padding: 0 24px 20px;
  font-size: .9rem;
  color: var(--text-light);
  line-height: 1.75;
  background: var(--white);
}
.faq-item.open .faq-answer { display: block; }

/* ============================================================
   TEAM GRID
   ============================================================ */
.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 28px;
}
.team-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
}
.team-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}
.team-card__photo {
  height: 220px;
  background: var(--grey-light);
  overflow: hidden;
}
.team-card__photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.team-card__photo--fallback {
  height: 220px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3rem;
  color: var(--white);
  font-weight: 700;
}
.team-card__body {
  padding: 20px;
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.team-card__name {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
}
.team-card__role {
  font-size: .82rem;
  font-weight: 600;
  color: var(--coral);
  text-transform: uppercase;
  letter-spacing: .5px;
}
.team-card__bio {
  font-size: .84rem;
  color: var(--text-light);
  line-height: 1.6;
  flex: 1;
  margin-top: 4px;
}
.team-card__social {
  display: flex;
  gap: 10px;
  margin-top: 12px;
}
.team-card__social a {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .8rem;
  color: var(--grey-dark);
  transition: var(--transition);
}
.team-card__social a:hover {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}

/* ============================================================
   CONTACT GRID & FORM
   ============================================================ */
.contact-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 64px;
  align-items: start;
}
.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 20px;
}
.form-group:last-of-type { margin-bottom: 0; }
.form-group label {
  font-size: .83rem;
  font-weight: 600;
  color: var(--text);
  text-transform: uppercase;
  letter-spacing: .4px;
}
.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-size: .95rem;
  font-family: var(--font);
  color: var(--text);
  background: var(--white);
  transition: border-color .2s, box-shadow .2s;
  appearance: none;
  -webkit-appearance: none;
}
.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--coral);
  box-shadow: 0 0 0 3px rgba(224,123,84,.15);
}
.form-group textarea {
  resize: vertical;
  min-height: 130px;
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.form-row .form-group { margin-bottom: 0; }

.contact-info { display: flex; flex-direction: column; gap: 20px; }
.contact-info-card {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 20px 22px;
  display: flex;
  align-items: flex-start;
  gap: 16px;
}
.contact-info-card__icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: rgba(224,123,84,.1);
  color: var(--coral);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.contact-info-card h4 {
  font-size: .88rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 4px;
}
.contact-info-card p {
  font-size: .85rem;
  color: var(--text-light);
  line-height: 1.55;
}

/* ============================================================
   INSIGHTS FULL GRID & FILTER BAR
   ============================================================ */
.insights-full-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 24px;
  margin-bottom: 40px;
}

.filter-bar {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-bottom: 40px;
}
.filter-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 8px 18px;
  border-radius: 50px;
  border: 1.5px solid var(--border);
  background: var(--white);
  color: var(--text-light);
  font-size: .85rem;
  font-weight: 500;
  font-family: var(--font);
  cursor: pointer;
  transition: var(--transition);
  text-decoration: none;
}
.filter-btn:hover,
.filter-btn.active {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}

/* Pagination */
.pagination {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  margin-top: 40px;
}
.pagination a,
.pagination span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 40px;
  height: 40px;
  padding: 0 12px;
  border-radius: var(--radius);
  border: 1.5px solid var(--border);
  font-size: .88rem;
  font-weight: 500;
  color: var(--text);
  transition: var(--transition);
  text-decoration: none;
}
.pagination a:hover { background: var(--navy); border-color: var(--navy); color: var(--white); }
.pagination .current { background: var(--navy); border-color: var(--navy); color: var(--white); }

/* ============================================================
   FUND TABLE
   ============================================================ */
.fund-table-wrap {
  overflow-x: auto;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}
.fund-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .88rem;
  min-width: 640px;
}
.fund-table thead {
  background: var(--navy);
  color: var(--white);
}
.fund-table thead th {
  padding: 14px 18px;
  text-align: left;
  font-size: .78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .7px;
  white-space: nowrap;
}
.fund-table thead th:first-child { border-radius: var(--radius-lg) 0 0 0; }
.fund-table thead th:last-child  { border-radius: 0 var(--radius-lg) 0 0; }
.fund-table tbody tr {
  border-bottom: 1px solid var(--border);
  transition: background .15s;
}
.fund-table tbody tr:last-child { border-bottom: none; }
.fund-table tbody tr:nth-child(even) { background: #f9fafb; }
.fund-table tbody tr:hover { background: rgba(224,123,84,.06); }
.fund-table tbody td {
  padding: 14px 18px;
  color: var(--text);
  vertical-align: middle;
}
.fund-table .fund-name { font-weight: 600; color: var(--navy); }
.fund-table .fund-cat {
  display: inline-block;
  background: var(--grey-light);
  color: var(--grey-dark);
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .4px;
  padding: 3px 9px;
  border-radius: 4px;
}
.fund-table .positive { color: var(--green); font-weight: 600; }
.fund-table .negative { color: #c0392b; font-weight: 600; }
.risk-pill {
  display: inline-block;
  padding: 3px 9px;
  border-radius: 20px;
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .4px;
}
.risk-low    { background: rgba(46,125,94,.12); color: var(--green); }
.risk-medium { background: rgba(224,123,84,.12); color: var(--coral-dark); }
.risk-high   { background: rgba(192,57,43,.1); color: #c0392b; }

/* ============================================================
   HELP GRID
   ============================================================ */
.help-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 24px;
}
.help-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  text-decoration: none;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.help-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
  border-color: rgba(224,123,84,.3);
}
.help-card__icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: rgba(13,32,53,.07);
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
}
.help-card h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
}
.help-card p {
  font-size: .87rem;
  color: var(--text-light);
  line-height: 1.6;
  flex: 1;
}
.help-card .link-arrow { margin-top: 4px; }

/* ============================================================
   VALUES GRID
   ============================================================ */
.values-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: 24px;
}
.value-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  text-align: center;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 14px;
}
.value-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
  border-color: rgba(224,123,84,.3);
}
.value-card__icon {
  font-size: 2.4rem;
  color: var(--coral);
  line-height: 1;
}
.value-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
}
.value-card p {
  font-size: .88rem;
  color: var(--text-light);
  line-height: 1.65;
}

/* ============================================================
   PAGE CTA (variant)
   ============================================================ */
.page-cta {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 64px 0;
}
.page-cta--coral {
  background: var(--coral);
}
.page-cta__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
}
.page-cta__text h2 {
  font-size: clamp(1.4rem, 2.5vw, 1.9rem);
  font-weight: 700;
  color: var(--white);
  margin-bottom: 8px;
}
.page-cta__text p {
  color: rgba(255,255,255,.82);
  font-size: .95rem;
}
.page-cta__actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  flex-shrink: 0;
}

/* ============================================================
   AUTH PAGES
   ============================================================ */
.auth-wrapper {
  min-height: calc(100vh - var(--header-h) - 200px);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 60px 24px;
  background: var(--off-white);
}
.auth-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  max-width: 440px;
  width: 100%;
  box-shadow: var(--shadow-lg);
}
.auth-card__logo {
  text-align: center;
  margin-bottom: 24px;
}
.auth-card__logo img {
  height: 60px;
  width: auto;
  margin: 0 auto;
}
.auth-card h1 {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--navy);
  text-align: center;
  margin-bottom: 6px;
}
.auth-card__sub {
  text-align: center;
  font-size: .88rem;
  color: var(--text-light);
  margin-bottom: 28px;
}
.auth-card .form-group { margin-bottom: 16px; }
.auth-card .form-group:last-of-type { margin-bottom: 0; }
.auth-link-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: .84rem;
  margin-bottom: 20px;
}
.auth-link-row a { color: var(--coral); font-weight: 500; }
.auth-card__footer {
  text-align: center;
  margin-top: 20px;
  font-size: .85rem;
  color: var(--text-light);
}
.auth-card__footer a { color: var(--coral); font-weight: 600; }
.auth-card__checkbox {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: .84rem;
  color: var(--text-light);
  margin-bottom: 20px;
}
.auth-card__checkbox input[type="checkbox"] {
  width: 16px;
  height: 16px;
  flex-shrink: 0;
  margin-top: 2px;
  accent-color: var(--coral);
}
.auth-security {
  text-align: center;
  max-width: 440px;
  margin: 16px auto 0;
  font-size: .78rem;
  color: var(--grey);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
}
.auth-security i { color: var(--green); }

/* ============================================================
   MISC INNER-PAGE UTILITIES
   ============================================================ */
.callout-box {
  background: rgba(224,123,84,.07);
  border: 1.5px solid rgba(224,123,84,.3);
  border-left: 4px solid var(--coral);
  border-radius: var(--radius);
  padding: 20px 22px;
  margin: 20px 0;
}
.callout-box h4 { color: var(--navy); font-size: .95rem; font-weight: 700; margin-bottom: 6px; }
.callout-box p  { font-size: .88rem; color: var(--text-light); line-height: 1.65; }

.checklist {
  display: flex;
  flex-direction: column;
  gap: 12px;
  list-style: none;
}
.checklist li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: .93rem;
  color: var(--text-light);
  line-height: 1.5;
}
.checklist li i {
  color: var(--green);
  font-size: .9rem;
  margin-top: 2px;
  flex-shrink: 0;
}

.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .9rem;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
}
.data-table th {
  background: var(--navy);
  color: var(--white);
  padding: 12px 16px;
  text-align: left;
  font-size: .8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .5px;
}
.data-table td {
  padding: 12px 16px;
  border-bottom: 1px solid var(--border);
  color: var(--text);
  line-height: 1.5;
}
.data-table tr:last-child td { border-bottom: none; }
.data-table tr:nth-child(even) td { background: #f9fafb; }

.stat-boxes {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(160px, 1fr));
  gap: 20px;
  margin-top: 24px;
}
.stat-box {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius-lg);
  padding: 24px 20px;
  text-align: center;
}
.stat-box__num {
  font-size: 2rem;
  font-weight: 700;
  color: var(--coral-light);
  display: block;
  line-height: 1.1;
  margin-bottom: 8px;
}
.stat-box__label {
  font-size: .82rem;
  color: rgba(255,255,255,.65);
}

.region-boxes {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 24px;
}
.region-box {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  text-align: center;
}
.region-box__icon { font-size: 2rem; color: var(--coral); margin-bottom: 12px; }
.region-box h3 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.region-box p { font-size: .85rem; color: var(--text-light); line-height: 1.6; }

.map-placeholder {
  width: 100%;
  height: 320px;
  background: linear-gradient(135deg, #eef0f4 0%, #dde2ec 100%);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 12px;
  color: var(--grey);
  font-size: .9rem;
}
.map-placeholder i { font-size: 3rem; }

.pricing-table {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.pricing-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  text-align: center;
  display: flex;
  flex-direction: column;
  gap: 14px;
  transition: var(--transition);
}
.pricing-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--coral);
  transform: translateY(-3px);
}
.pricing-card--featured {
  border-color: var(--coral);
  background: rgba(224,123,84,.03);
}
.pricing-card__name {
  font-size: .78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--grey);
}
.pricing-card__price {
  font-size: 2rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.1;
}
.pricing-card__price span {
  font-size: .85rem;
  font-weight: 400;
  color: var(--text-light);
}
.pricing-card p {
  font-size: .88rem;
  color: var(--text-light);
  line-height: 1.6;
  flex: 1;
}

.newsletter-strip {
  background: var(--navy);
  padding: 56px 0;
}
.newsletter-strip__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
}
.newsletter-strip h3 {
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 8px;
}
.newsletter-strip p {
  font-size: .9rem;
  color: rgba(255,255,255,.7);
}
.newsletter-form {
  display: flex;
  gap: 12px;
  flex-shrink: 0;
}
.newsletter-form input {
  padding: 12px 16px;
  border-radius: var(--radius);
  border: 1.5px solid rgba(255,255,255,.25);
  background: rgba(255,255,255,.1);
  color: var(--white);
  font-family: var(--font);
  font-size: .9rem;
  min-width: 260px;
  transition: border-color .2s;
}
.newsletter-form input::placeholder { color: rgba(255,255,255,.5); }
.newsletter-form input:focus { outline: none; border-color: var(--coral); }

.search-bar-wrapper {
  margin-top: 24px;
  max-width: 540px;
}
.search-bar {
  display: flex;
  gap: 0;
  border: 1.5px solid rgba(255,255,255,.35);
  border-radius: var(--radius);
  overflow: hidden;
  background: rgba(255,255,255,.1);
}
.search-bar input {
  flex: 1;
  padding: 13px 16px;
  border: none;
  background: transparent;
  color: var(--white);
  font-size: .95rem;
  font-family: var(--font);
}
.search-bar input::placeholder { color: rgba(255,255,255,.55); }
.search-bar input:focus { outline: none; }
.search-bar button {
  padding: 12px 20px;
  background: var(--coral);
  border: none;
  color: var(--white);
  font-size: 1rem;
  cursor: pointer;
  transition: background .2s;
}
.search-bar button:hover { background: var(--coral-dark); }

/* ============================================================
   PROTECTION PRODUCT CARDS  (3-column card grid)
   ============================================================ */
.protection-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
  margin-top: 44px;
}
.protection-card {
  border-radius: 20px;
  overflow: hidden;
  background: #fff;
  border: 1.5px solid var(--border);
  display: flex;
  flex-direction: column;
  transition: box-shadow .22s, transform .2s;
}
.protection-card:hover {
  box-shadow: 0 12px 44px rgba(13,32,53,.13);
  transform: translateY(-4px);
}

/* Hero panel */
.protection-card__hero {
  background: var(--navy);
  padding: 38px 28px 30px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.protection-card__hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 70% 30%, rgba(255,255,255,.08) 0%, transparent 65%);
  pointer-events: none;
}
.protection-card--income  .protection-card__hero { background: linear-gradient(140deg, #bf5820, var(--coral)); }
.protection-card--critical .protection-card__hero { background: linear-gradient(140deg, #0b3020, #1a5c4a); }
.protection-card__icon {
  width: 68px;
  height: 68px;
  border-radius: 50%;
  background: rgba(255,255,255,.15);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  color: #fff;
  margin: 0 auto 18px;
  border: 2px solid rgba(255,255,255,.25);
}
.protection-card__name {
  font-size: 1.15rem;
  font-weight: 700;
  color: #fff;
  margin: 0 0 10px;
}
.protection-card__badge {
  display: inline-block;
  font-size: .62rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  padding: 4px 13px;
  border-radius: 20px;
  background: rgba(255,255,255,.22);
  color: #fff;
  border: 1px solid rgba(255,255,255,.3);
}

/* Body */
.protection-card__body {
  padding: 24px 24px 0;
  flex: 1;
}
.protection-card__desc {
  font-size: .87rem;
  color: var(--text-light);
  line-height: 1.7;
  margin-bottom: 20px;
}
.protection-card__features {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 9px;
}
.protection-card__features li {
  font-size: .83rem;
  color: var(--text);
  display: flex;
  align-items: flex-start;
  gap: 9px;
  line-height: 1.45;
}
.protection-card__features li i {
  color: var(--navy);
  flex-shrink: 0;
  margin-top: 2px;
}
.protection-card--income  .protection-card__features li i { color: var(--coral); }
.protection-card--critical .protection-card__features li i { color: #1a5c4a; }

/* Footer */
.protection-card__footer {
  padding: 20px 24px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
  border-top: 1px solid var(--border);
  margin-top: 22px;
}
.protection-card__from {
  font-size: .78rem;
  color: var(--text-light);
  line-height: 1.3;
}
.protection-card__from strong {
  color: var(--navy);
  font-size: .98rem;
  font-weight: 700;
  display: block;
}
@media (max-width: 960px) {
  .protection-cards { grid-template-columns: 1fr; max-width: 580px; margin-left: auto; margin-right: auto; }
}
@media (max-width: 600px) {
  .protection-cards { max-width: 100%; }
  .protection-card__footer { flex-direction: column; align-items: flex-start; }
  .protection-card__footer .btn { width: 100%; text-align: center; }
}

/* ============================================================
   RETIREMENT OPTION ROWS  (compact icon + text cards)
   ============================================================ */
.retire-options { display: flex; flex-direction: column; gap: 14px; }
.retire-option {
  display: flex;
  align-items: center;
  gap: 18px;
  padding: 18px 22px;
  background: #fff;
  border-radius: 14px;
  border: 1.5px solid var(--border);
  transition: box-shadow .2s, transform .18s;
}
.retire-option:hover {
  box-shadow: 0 6px 26px rgba(13,32,53,.09);
  transform: translateY(-2px);
}
.retire-option__icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--navy);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  flex-shrink: 0;
}
.retire-option--teal  .retire-option__icon { background: #1a5c4a; }
.retire-option--coral .retire-option__icon { background: var(--coral); }
.retire-option__text h4 {
  font-size: .97rem;
  font-weight: 700;
  color: var(--navy);
  margin: 0 0 5px;
}
.retire-option__text p {
  font-size: .83rem;
  color: var(--text-light);
  line-height: 1.55;
  margin: 0;
}
.retire-option__text { flex: 1; }
@media (max-width: 640px) {
  .retire-option { flex-wrap: wrap; }
  .retire-option .btn { width: 100%; text-align: center; }
}

/* ============================================================
   WHY-INVEST GRID  (compact 2×2 feature items)
   ============================================================ */
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.why-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 16px 18px;
  background: var(--off-white);
  border-radius: 12px;
  border: 1.5px solid var(--border);
}
.why-item__icon {
  width: 38px;
  height: 38px;
  border-radius: 9px;
  background: rgba(13,32,53,.08);
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
}
.why-item h4 { font-size: .87rem; font-weight: 700; color: var(--navy); margin: 0 0 3px; }
.why-item p  { font-size: .79rem; color: var(--text-light); line-height: 1.5; margin: 0; }
@media (max-width: 480px) { .why-grid { grid-template-columns: 1fr; } }

/* ============================================================
   LATER LIFE CARDS  (accent-bar horizontal)
   ============================================================ */
.later-life-cards { display: flex; flex-direction: column; gap: 18px; }
.later-life-card {
  display: grid;
  grid-template-columns: 5px 64px 1fr;
  align-items: center;
  column-gap: 22px;
  background: #fff;
  border-radius: 16px;
  border: 1.5px solid var(--border);
  overflow: hidden;
  padding: 24px 28px 24px 0;
  transition: box-shadow .2s, transform .18s;
}
.later-life-card:hover {
  box-shadow: 0 6px 28px rgba(13,32,53,.09);
  transform: translateY(-2px);
}
.later-life-card__accent { align-self: stretch; background: var(--navy); }
.later-life-card--estate     .later-life-card__accent { background: var(--coral); }
.later-life-card--protection .later-life-card__accent { background: #1a5c4a; }
.later-life-card__icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: rgba(13,32,53,.07);
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.35rem;
}
.later-life-card--estate     .later-life-card__icon { background: rgba(224,123,84,.1); color: var(--coral); }
.later-life-card--protection .later-life-card__icon { background: rgba(26,92,74,.1);   color: #1a5c4a; }
.later-life-card__body h4 {
  font-size: .97rem;
  font-weight: 700;
  color: var(--navy);
  margin: 0 0 6px;
}
.later-life-card__body p {
  font-size: .85rem;
  color: var(--text-light);
  line-height: 1.65;
  margin: 0;
}
@media (max-width: 600px) {
  .later-life-card { grid-template-columns: 5px 1fr; grid-template-rows: auto auto; padding: 20px 20px 20px 0; }
  .later-life-card__icon { display: none; }
}

/* ============================================================
   ISA PRODUCT CARDS
   ============================================================ */
.isa-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 44px;
  align-items: stretch;
}
.isa-card {
  border-radius: 16px;
  overflow: hidden;
  border: 1.5px solid var(--border);
  background: #fff;
  display: flex;
  flex-direction: column;
  transition: transform .2s, box-shadow .2s;
}
.isa-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 16px 48px rgba(13,32,53,.1);
}
.isa-card--featured {
  border-color: var(--coral);
  box-shadow: 0 4px 24px rgba(224,123,84,.16);
}
.isa-card__head {
  padding: 28px 28px 22px;
  background: var(--navy);
  position: relative;
}
.isa-card--featured .isa-card__head { background: var(--coral); }
.isa-card--accent   .isa-card__head { background: #1a5c4a; }
.isa-card__badge {
  position: absolute;
  top: 14px; right: 14px;
  background: rgba(255,255,255,.22);
  color: #fff;
  font-size: .65rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .06em;
  padding: 3px 10px;
  border-radius: 20px;
}
.isa-card__icon {
  width: 46px; height: 46px;
  border-radius: 12px;
  background: rgba(255,255,255,.18);
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-size: 1.15rem;
  margin-bottom: 14px;
}
.isa-card__name {
  font-size: 1.05rem; font-weight: 700; color: #fff;
  margin-bottom: 4px; line-height: 1.2;
}
.isa-card__sub { font-size: .8rem; color: rgba(255,255,255,.72); }
.isa-card__sub strong { color: #fff; font-size: .95rem; }
.isa-card__body {
  padding: 22px 26px 26px;
  flex: 1; display: flex; flex-direction: column;
}
.isa-card__desc {
  font-size: .875rem; color: var(--text-light);
  line-height: 1.65; margin-bottom: 16px;
}
.isa-card__features {
  list-style: none;
  display: flex; flex-direction: column; gap: 9px;
  margin-bottom: 22px; flex: 1;
}
.isa-card__features li {
  display: flex; align-items: flex-start; gap: 9px;
  font-size: .845rem; color: var(--text); line-height: 1.4;
}
.isa-card__features li i {
  color: var(--green); font-size: .8rem;
  flex-shrink: 0; margin-top: 2px;
}
.isa-card .btn { width: 100%; justify-content: center; }

/* ============================================================
   IMAGE BANNER  (full-bleed photo with overlay + quote + stats)
   ============================================================ */
.img-banner {
  position: relative;
  height: 420px;
  overflow: hidden;
}
.img-banner__photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  display: block;
}
.img-banner__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, rgba(13,32,53,.88) 38%, rgba(13,32,53,.42) 100%);
}
.img-banner__body {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
}
.img-banner__inner {
  max-width: 640px;
}
.img-banner__eyebrow {
  font-size: .73rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .09em;
  color: var(--coral);
  display: block;
  margin-bottom: 14px;
}
.img-banner__quote {
  font-size: clamp(1.05rem, 2vw, 1.45rem);
  font-weight: 700;
  color: #fff;
  line-height: 1.45;
  border-left: 3px solid var(--coral);
  padding-left: 20px;
  margin: 0 0 32px;
}
.img-banner__divider {
  width: 48px;
  height: 2px;
  background: rgba(255,255,255,.25);
  margin-bottom: 28px;
}
.img-banner__stats {
  display: flex;
  gap: 40px;
  flex-wrap: wrap;
}
.img-banner__stat-num {
  font-size: 1.75rem;
  font-weight: 800;
  color: #fff;
  line-height: 1;
  display: block;
}
.img-banner__stat-label {
  font-size: .78rem;
  color: rgba(255,255,255,.65);
  margin-top: 5px;
  display: block;
  font-weight: 500;
}
@media (max-width: 640px) {
  .img-banner { height: auto; min-height: 380px; }
  .img-banner__overlay {
    background: rgba(13,32,53,.82);
  }
  .img-banner__body { align-items: flex-end; padding-bottom: 36px; }
  .img-banner__stats { gap: 24px; }
  .img-banner__stat-num { font-size: 1.4rem; }
}

/* ============================================================
   SPLIT BAND  (full-bleed image | content, no container)
   ============================================================ */
.split-band {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 440px;
  overflow: hidden;
}
.split-band__image {
  position: relative;
  overflow: hidden;
}
.split-band__image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.split-band__content {
  padding: 64px 56px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.split-band__eyebrow {
  font-size: .76rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--coral);
  display: block;
  margin-bottom: 14px;
}
.split-band__title {
  font-size: clamp(1.4rem, 2.5vw, 1.9rem);
  font-weight: 700;
  color: #fff;
  line-height: 1.25;
  margin-bottom: 16px;
}
.split-band__body {
  font-size: .93rem;
  color: rgba(255,255,255,.78);
  line-height: 1.72;
  margin-bottom: 26px;
}
.split-band__list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 13px;
}
.split-band__list li {
  display: flex;
  align-items: center;
  gap: 12px;
  color: rgba(255,255,255,.85);
  font-size: .9rem;
}
.split-band__list li i { color: var(--coral); flex-shrink: 0; }

/* ============================================================
   RESPONSIVE – PAGES
   ============================================================ */
@media (max-width: 900px) {
  .two-col {
    grid-template-columns: 1fr;
    gap: 36px;
  }
  .two-col--flip > *:first-child { order: 0; }
  .two-col--flip > *:last-child  { order: 0; }

  .isa-cards { grid-template-columns: 1fr; max-width: 420px; margin-left: auto; margin-right: auto; }

  .split-band { grid-template-columns: 1fr; }
  .split-band__image { min-height: 280px; }
  .split-band__content { padding: 48px 32px; }

  .contact-grid { grid-template-columns: 1fr; gap: 40px; }

  .pricing-table { grid-template-columns: 1fr; }

  .region-boxes { grid-template-columns: 1fr; }

  .inner-hero { padding: 52px 0; }
}

@media (max-width: 640px) {
  .content-section { padding: 56px 0; }
  .inner-hero { padding: 40px 0; }
  .inner-hero__title { font-size: 1.7rem; }

  .form-row { grid-template-columns: 1fr; }

  .benefits-grid,
  .benefits-grid--3 { grid-template-columns: 1fr; }

  .team-grid { grid-template-columns: repeat(2, 1fr); }

  .help-grid { grid-template-columns: 1fr; }

  .isa-cards { max-width: 100%; }
  .values-grid { grid-template-columns: 1fr 1fr; }

  .auth-card { padding: 28px 20px; }

  .page-cta__inner { flex-direction: column; align-items: flex-start; }
  .page-cta__actions { flex-direction: column; width: 100%; }
  .page-cta__actions .btn { width: 100%; justify-content: center; }

  .newsletter-strip__inner { flex-direction: column; align-items: flex-start; }
  .newsletter-form { flex-direction: column; width: 100%; }
  .newsletter-form input { min-width: 0; width: 100%; }

  .stat-boxes { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 440px) {
  .team-grid { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: 1fr; }
  .stat-boxes { grid-template-columns: 1fr; }
}

/* ============================================================
   LEGAL PAGES
   ============================================================ */
.legal-page {
  max-width: 820px;
  margin: 0 auto;
}
.legal-meta {
  background: var(--grey-light);
  border-left: 4px solid var(--coral);
  border-radius: var(--radius);
  padding: 14px 18px;
  margin-bottom: 36px;
  font-size: .84rem;
  color: var(--text-light);
  line-height: 1.6;
}
.legal-page h2 {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--navy);
  margin: 44px 0 12px;
  padding-top: 44px;
  border-top: 1px solid var(--border);
}
.legal-page h2:first-of-type {
  margin-top: 0;
  padding-top: 0;
  border-top: none;
}
.legal-page h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy-mid);
  margin: 24px 0 8px;
}
.legal-page p {
  font-size: .93rem;
  color: var(--text);
  line-height: 1.85;
  margin-bottom: 16px;
}
.legal-page ul,
.legal-page ol {
  margin: 0 0 18px 20px;
  font-size: .93rem;
  color: var(--text);
  line-height: 1.85;
}
.legal-page ul { list-style: disc; }
.legal-page ol { list-style: decimal; }
.legal-page li { margin-bottom: 6px; }
.legal-page a { color: var(--coral); }
.legal-page a:hover { text-decoration: underline; }
.legal-page strong { color: var(--navy); }

.legal-callout {
  background: rgba(13,32,53,.04);
  border: 1px solid var(--border);
  border-left: 4px solid var(--navy-mid);
  border-radius: var(--radius);
  padding: 18px 22px;
  margin: 20px 0 24px;
}
.legal-callout p { margin: 0; font-size: .9rem; }

.cookie-table-wrap {
  overflow-x: auto;
  margin: 20px 0 28px;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}
.cookie-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .87rem;
  min-width: 560px;
}
.cookie-table thead {
  background: var(--navy);
  color: var(--white);
}
.cookie-table thead th {
  padding: 12px 16px;
  text-align: left;
  font-size: .78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .5px;
  white-space: nowrap;
}
.cookie-table tbody td {
  padding: 12px 16px;
  border-bottom: 1px solid var(--border);
  color: var(--text);
  vertical-align: top;
  line-height: 1.55;
}
.cookie-table tbody tr:last-child td { border-bottom: none; }
.cookie-table tbody tr:nth-child(even) td { background: #f9fafb; }
.cookie-badge {
  display: inline-block;
  padding: 2px 9px;
  border-radius: 20px;
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .4px;
}
.cookie-badge--req  { background: rgba(46,125,94,.12);  color: var(--green); }
.cookie-badge--opt  { background: rgba(224,123,84,.12); color: var(--coral-dark); }

.reg-highlight {
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px 32px;
  margin: 28px 0;
  display: flex;
  align-items: flex-start;
  gap: 20px;
}
.reg-highlight i {
  font-size: 2rem;
  color: var(--coral-light);
  flex-shrink: 0;
  margin-top: 2px;
}
.reg-highlight h4 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 6px;
}
.reg-highlight p {
  font-size: .88rem;
  color: rgba(255,255,255,.75);
  line-height: 1.65;
  margin: 0;
}
.reg-details {
  display: grid;
  grid-template-columns: auto 1fr;
  column-gap: 16px;
  row-gap: 7px;
  margin: 6px 0 0;
  font-size: .87rem;
}
.reg-details dt {
  color: rgba(255,255,255,.55);
  font-weight: 600;
  white-space: nowrap;
}
.reg-details dd {
  color: rgba(255,255,255,.9);
  margin: 0;
}
.reg-details dd a {
  color: var(--coral-light);
  text-decoration: underline;
}
@media (max-width: 640px) {
  .reg-highlight { flex-direction: column; gap: 12px; }
  .reg-details { grid-template-columns: 1fr; row-gap: 4px; }
  .reg-details dt { color: rgba(255,255,255,.55); font-size: .8rem; margin-top: 6px; }
  .reg-details dt:first-child { margin-top: 0; }
}