/* ============================================================
   MG Capital – Main Stylesheet
   ============================================================ */

/* --- Reset & Base --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:       #0d2035;
  --navy-mid:   #1a3a5c;
  --navy-light: #2c5282;
  --coral:      #e07b54;
  --coral-dark: #c5643c;
  --coral-light:#f4956e;
  --green:      #2e7d5e;
  --white:      #ffffff;
  --off-white:  #f7f8fa;
  --grey-light: #eef0f4;
  --grey:       #8a93a6;
  --grey-dark:  #444c5c;
  --text:       #1e2535;
  --text-light: #5a6478;
  --border:     #dde2ec;
  --font:       'Inter', system-ui, -apple-system, sans-serif;
  --radius:     8px;
  --radius-lg:  14px;
  --shadow-sm:  0 2px 8px rgba(0,0,0,.08);
  --shadow-md:  0 6px 24px rgba(0,0,0,.12);
  --shadow-lg:  0 16px 48px rgba(0,0,0,.16);
  --transition: all .25s ease;
  --header-h:   84px;
}

html { scroll-behavior: smooth; overflow-x: hidden; }
body { font-family: var(--font); color: var(--text); background: var(--white); line-height: 1.6; -webkit-font-smoothing: antialiased; overflow-x: hidden; }
img  { max-width: 100%; display: block; }
a    { color: inherit; text-decoration: none; }
ul   { list-style: none; }

.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: .9rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: var(--transition);
  white-space: nowrap;
}
.btn--lg { padding: 15px 30px; font-size: 1rem; }
.btn--full { width: 100%; justify-content: center; }
.btn--primary { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn--primary:hover { background: var(--navy-mid); border-color: var(--navy-mid); }
.btn--coral { background: var(--coral); color: var(--white); border-color: var(--coral); }
.btn--coral:hover { background: var(--coral-dark); border-color: var(--coral-dark); }
.btn--outline-dark { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn--outline-dark:hover { background: var(--navy); color: var(--white); }
.btn--outline-light { background: transparent; color: var(--white); border-color: rgba(255,255,255,.7); }
.btn--outline-light:hover { background: rgba(255,255,255,.15); border-color: var(--white); }
.btn--outline { background: transparent; color: var(--coral); border-color: var(--coral); }
.btn--outline:hover { background: var(--coral); color: var(--white); }

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--coral);
  font-weight: 600;
  font-size: .9rem;
  transition: var(--transition);
}
.link-arrow:hover { gap: 10px; }

/* ============================================================
   TOP BAR
   ============================================================ */
.top-bar {
  background: var(--navy);
  color: rgba(255,255,255,.75);
  font-size: .8rem;
  padding: 8px 0;
}
.top-bar__inner { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 8px; }
.top-bar__left, .top-bar__right { display: flex; align-items: center; gap: 14px; }
.top-bar__left a, .top-bar__right a { color: rgba(255,255,255,.75); transition: var(--transition); }
.top-bar__left a:hover, .top-bar__right a:hover { color: var(--white); }
.separator { color: rgba(255,255,255,.3); }
.btn-register {
  background: var(--coral);
  color: var(--white);
  padding: 4px 14px;
  border-radius: 4px;
  font-weight: 600;
  font-size: .8rem;
  transition: var(--transition);
}
.btn-register:hover { background: var(--coral-dark); }

/* ============================================================
   HEADER
   ============================================================ */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  z-index: 900;
  background: var(--white);
  border-bottom: 1px solid transparent;
  box-shadow: none;
  transition: transform .35s ease, box-shadow .25s ease, border-color .25s ease;
}
.site-header.scrolled { box-shadow: var(--shadow-sm); border-bottom-color: var(--border); }
.site-header.header--hidden { transform: translateY(-100%); }
.header__inner {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  padding-top: 16px;
  padding-bottom: 16px;
  gap: 24px;
}

/* Logo */
.site-logo { flex-shrink: 0; line-height: 0; }
.logo-text { font-size: 1.5rem; font-weight: 700; color: var(--navy); letter-spacing: -.5px; }
.logo-text--white { color: var(--white); }
.logo-accent { color: var(--coral); }
.logo-img { height: 90px !important; width: auto !important; max-width: 220px; display: block; object-fit: contain; }
.logo-img--footer { height: 42px !important; width: auto !important; max-width: 160px; display: block; object-fit: contain; filter: brightness(0) invert(1); }

/* Nav */
.main-nav { margin-left: auto; }
.nav-list { display: flex; align-items: center; gap: 4px; }
.nav-item { position: relative; }
.nav-link {
  display: flex;
  align-items: center;
  gap: 5px;
  padding: 8px 12px;
  color: var(--text);
  font-weight: 500;
  font-size: .88rem;
  border-radius: var(--radius);
  transition: var(--transition);
  white-space: nowrap;
}
.nav-link:hover { background: var(--grey-light); color: var(--navy); }
.nav-link i { font-size: .65rem; transition: transform .2s; }
.nav-item.has-dropdown.is-open .nav-link i { transform: rotate(180deg); }

/* Dropdown */
.dropdown {
  display: none;
  position: absolute;
  top: 100%;          /* flush with nav — no gap to cross */
  left: 50%;
  transform: translateX(-50%);
  min-width: 580px;
  background: transparent;
  z-index: 1000;
  padding-top: 8px;   /* visual gap lives here, inside the hover zone */
}
.dropdown__inner {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}
.nav-item.has-dropdown.is-open .dropdown { display: block; }
.dropdown__inner { display: flex; gap: 0; padding: 28px; }
.dropdown__col { flex: 1; padding: 0 20px 0 0; }
.dropdown__col:not(:last-child) { border-right: 1px solid var(--border); margin-right: 20px; }
.dropdown__col h4 { font-size: .75rem; text-transform: uppercase; letter-spacing: 1px; color: var(--grey); font-weight: 600; margin-bottom: 12px; }
.dropdown__col ul { display: flex; flex-direction: column; gap: 8px; }
.dropdown__col ul a { color: var(--text); font-size: .88rem; padding: 4px 0; transition: var(--transition); display: block; }
.dropdown__col ul a:hover { color: var(--coral); padding-left: 4px; }
.dropdown__spotlight { flex: 0 0 180px; }
.spotlight-card { background: var(--off-white); border-radius: var(--radius); padding: 20px; height: 100%; }
.spotlight-label { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: var(--coral); margin-bottom: 8px; }
.spotlight-card p { font-size: .85rem; color: var(--text-light); margin-bottom: 16px; line-height: 1.5; }

/* Header Actions */
.header__actions { display: flex; align-items: center; gap: 12px; }
.hamburger { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 4px; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--navy); border-radius: 2px; transition: var(--transition); }
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile Nav */
.mobile-nav {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(13,32,53,.55);
  z-index: 800;
  backdrop-filter: blur(4px);
}
.mobile-nav.open { display: block; }
.mobile-nav__inner {
  position: absolute;
  right: 0; top: 0; bottom: 0;
  width: min(320px, 92vw);
  background: var(--white);
  padding: 0;
  overflow-y: auto;
  display: flex;
  flex-direction: column;
  animation: slideIn .25s ease;
}
@keyframes slideIn { from { transform: translateX(100%); } to { transform: translateX(0); } }

/* Drawer head: utility links + close */
.mobile-nav__head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 20px;
  background: var(--navy);
  flex-shrink: 0;
}
.mobile-nav__utility { display: flex; align-items: center; gap: 20px; }
.mobile-nav__utility a { color: rgba(255,255,255,.8); font-size: .82rem; display: flex; align-items: center; gap: 6px; transition: color .2s; }
.mobile-nav__utility a:hover { color: var(--white); }
.mobile-nav__utility i { font-size: .8rem; }
.mobile-nav__close {
  background: rgba(255,255,255,.1);
  border: none;
  width: 34px; height: 34px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
  cursor: pointer;
  color: var(--white);
  transition: background .2s;
  flex-shrink: 0;
}
.mobile-nav__close:hover { background: rgba(255,255,255,.2); }

/* Nav list */
.mobile-nav__list { display: flex; flex-direction: column; padding: 16px 0; flex: 1; }
.mobile-nav__list li { border-bottom: 1px solid var(--grey-light); }
.mobile-nav__list li:last-child { border-bottom: none; }
.mobile-nav__list a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 20px;
  font-size: .95rem;
  font-weight: 500;
  color: var(--text);
  transition: background .15s, color .15s;
}
.mobile-nav__list a i { font-size: .7rem; color: var(--grey); }
.mobile-nav__list a:hover { background: var(--off-white); color: var(--navy); }
.mobile-nav__list a:hover i { color: var(--coral); }


/* ============================================================
   HERO
   ============================================================ */
.hero {
  position: relative;
  min-height: min(620px, 80vh);
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 60%, #1e4d7a 100%);
  display: flex;
  align-items: center;
  overflow: hidden;
}
.hero__overlay {
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 70% 50%, rgba(224,123,84,.15) 0%, transparent 60%);
  pointer-events: none;
}
.hero__content {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  padding-top: 60px;
  padding-bottom: 80px;
}
.hero__eyebrow { font-size: .85rem; font-weight: 600; text-transform: uppercase; letter-spacing: 1.5px; color: var(--coral-light); margin-bottom: 16px; }
.hero__headline { font-size: clamp(2rem, 4vw, 3.2rem); font-weight: 700; color: var(--white); line-height: 1.15; margin-bottom: 20px; }
.text-accent { color: var(--coral-light); }
.hero__sub { font-size: 1.05rem; color: rgba(255,255,255,.8); max-width: 480px; margin-bottom: 36px; line-height: 1.7; }
.hero__ctas { display: flex; gap: 16px; flex-wrap: wrap; }
.hero__image-wrapper { border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 4/3; background: rgba(255,255,255,.08); }
.hero__img { width: 100%; height: 100%; object-fit: cover; }
.hero__scroll-hint {
  position: absolute;
  bottom: 24px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  color: rgba(255,255,255,.5);
  font-size: .75rem;
  animation: bounce 2s infinite;
}
@keyframes bounce { 0%,100%{transform:translateX(-50%) translateY(0)} 50%{transform:translateX(-50%) translateY(6px)} }

/* ============================================================
   AUDIENCE TABS
   ============================================================ */
/* ============================================================
   AUDIENCE TABS — redesigned
   ============================================================ */
.audience-tabs { padding: 88px 0 80px; background: var(--white); }

.tabs__header { text-align: center; margin-bottom: 40px; }
.tabs__eyebrow { font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px; color: var(--coral); margin-bottom: 10px; }
.tabs__title { font-size: clamp(1.6rem, 2.8vw, 2.1rem); font-weight: 700; color: var(--navy); }

.tabs__nav {
  display: flex;
  gap: 12px;
  margin-bottom: 52px;
  border-bottom: none;
  background: var(--off-white);
  border: 1.5px solid var(--border);
  border-radius: 60px;
  padding: 6px;
  width: fit-content;
  margin-left: auto;
  margin-right: auto;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}

.tab-btn {
  background: transparent;
  border: none;
  padding: 12px 26px;
  font-size: .9rem;
  font-weight: 500;
  color: var(--text-light);
  cursor: pointer;
  white-space: nowrap;
  position: relative;
  transition: all .22s ease;
  font-family: var(--font);
  border-radius: 50px;
  display: flex;
  align-items: center;
  gap: 9px;
}
.tab-btn::after { display: none; }
.tab-btn__icon { width: 28px; height: 28px; border-radius: 50%; background: rgba(13,32,53,.07); display: flex; align-items: center; justify-content: center; font-size: .75rem; transition: all .22s ease; flex-shrink: 0; }
.tab-btn__label { font-size: .88rem; }
.tab-btn.active { background: var(--navy); color: var(--white); font-weight: 600; box-shadow: 0 4px 16px rgba(13,32,53,.22); }
.tab-btn.active .tab-btn__icon { background: rgba(244,149,110,.2); color: var(--coral-light); }
.tab-btn:hover:not(.active) { background: rgba(13,32,53,.06); color: var(--navy); }
.tab-btn:hover:not(.active) .tab-btn__icon { background: rgba(13,32,53,.12); color: var(--navy); }

.tab-panel { display: none; }
.tab-panel.active { display: block; }
.tab-panel__grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 20px; }

.tab-card {
  background: var(--white);
  border-radius: 18px;
  padding: 32px 28px;
  border: 1.5px solid var(--border);
  transition: all .25s ease;
  display: flex;
  flex-direction: column;
  gap: 14px;
  position: relative;
  overflow: hidden;
}
.tab-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--coral), var(--coral-light));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .3s ease;
}
.tab-card:hover { box-shadow: 0 10px 36px rgba(13,32,53,.1); transform: translateY(-4px); border-color: transparent; }
.tab-card:hover::before { transform: scaleX(1); }
.tab-card__icon { width: 52px; height: 52px; background: linear-gradient(135deg, rgba(224,123,84,.14), rgba(224,123,84,.05)); border-radius: 14px; display: flex; align-items: center; justify-content: center; color: var(--coral); font-size: 1.3rem; }
.tab-card h3 { font-size: 1.05rem; font-weight: 600; color: var(--navy); }
.tab-card p { font-size: .88rem; color: var(--text-light); flex: 1; line-height: 1.65; }

/* ============================================================
   STATS BANNER
   ============================================================ */
.stats-banner { background: var(--navy); padding: 56px 0; }
.stats-banner__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; }
.stat-item { text-align: center; }
.stat-number { display: block; font-size: clamp(2rem, 3.5vw, 2.8rem); font-weight: 700; color: var(--coral-light); margin-bottom: 8px; }
.stat-label { font-size: .88rem; color: rgba(255,255,255,.7); }

/* ============================================================
   FEATURE SECTION
   ============================================================ */
.feature-section { padding: 80px 0; }
.section-header { margin-bottom: 48px; max-width: 600px; }
.section-header--centered { text-align: center; max-width: 600px; margin: 0 auto 48px; }
.section-header h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); font-weight: 700; color: var(--navy); margin-bottom: 12px; line-height: 1.25; }
.section-header p { font-size: .95rem; color: var(--text-light); line-height: 1.7; }

.feature-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.feature-card { border-radius: var(--radius-lg); overflow: hidden; display: grid; grid-template-rows: 1fr auto; min-height: 340px; }
.feature-card--dark { background: var(--navy); color: var(--white); }
.feature-card--light { background: var(--off-white); color: var(--text); border: 1px solid var(--border); }
.feature-card__content { padding: 40px; display: flex; flex-direction: column; gap: 16px; }
.feature-tag { font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: var(--coral-light); }
.feature-card--light .feature-tag { color: var(--coral); }
.feature-card__content h3 { font-size: 1.35rem; font-weight: 700; line-height: 1.3; }
.feature-card--dark h3 { color: var(--white); }
.feature-card__content p { font-size: .9rem; opacity: .8; line-height: 1.7; flex: 1; }
.feature-card__image { height: 180px; overflow: hidden; }
.feature-card__image img { width: 100%; height: 100%; object-fit: cover; }

/* ============================================================
   PRODUCTS STRIP — redesigned v2
   ============================================================ */
.products-strip { padding: 96px 0; background: var(--grey-light); }

.products-strip__header {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 32px;
  margin-bottom: 52px;
}
.products-strip__eyebrow { display: block; font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px; color: var(--coral); margin-bottom: 10px; }
.products-strip__header-text h2 { font-size: clamp(1.6rem, 2.8vw, 2.1rem); font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.products-strip__header-text p { font-size: .93rem; color: var(--text-light); max-width: 480px; line-height: 1.7; }
.products-strip__header .btn { flex-shrink: 0; white-space: nowrap; }

.products-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }

.product-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 0;
  padding: 30px 26px 26px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  transition: all .25s ease;
  cursor: pointer;
  position: relative;
}
.product-card:hover { transform: translateY(-6px); box-shadow: 0 16px 44px rgba(13,32,53,.1); }

/* Per-card accent colours */
.product-card:nth-child(1) { --card-accent: var(--navy); }
.product-card:nth-child(2) { --card-accent: var(--coral); }
.product-card:nth-child(3) { --card-accent: var(--green); }
.product-card:nth-child(4) { --card-accent: #2c6fad; }
.product-card:nth-child(5) { --card-accent: #7e3af2; }
.product-card:nth-child(6) { --card-accent: #d97706; }

.product-card__top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 6px; }
.product-card__icon {
  width: 54px; height: 54px;
  border-radius: 15px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.35rem;
  background: var(--icon-bg, rgba(13,32,53,.08));
  color: var(--card-accent);
  transition: background .25s ease;
}
/* Per-card icon backgrounds */
.product-card:nth-child(1) .product-card__icon { background: rgba(13,32,53,.09); }
.product-card:nth-child(2) .product-card__icon { background: rgba(224,123,84,.12); }
.product-card:nth-child(3) .product-card__icon { background: rgba(46,125,94,.1); }
.product-card:nth-child(4) .product-card__icon { background: rgba(44,111,173,.1); }
.product-card:nth-child(5) .product-card__icon { background: rgba(126,58,242,.1); }
.product-card:nth-child(6) .product-card__icon { background: rgba(217,119,6,.1); }
.product-card:hover .product-card__icon { filter: brightness(.92); }

.product-card__badge { font-size: .68rem; font-weight: 700; text-transform: uppercase; letter-spacing: .6px; color: var(--coral); background: rgba(224,123,84,.1); border-radius: 20px; padding: 3px 10px; }

.product-card h4 { font-size: 1.05rem; font-weight: 700; color: var(--navy); margin-top: 2px; }
.product-card p { font-size: .855rem; color: var(--text-light); line-height: 1.65; flex: 1; }

.product-card__highlight { display: flex; align-items: center; gap: 7px; font-size: .8rem; font-weight: 600; color: var(--card-accent); margin-top: 4px; }
.product-card__highlight i { font-size: .75rem; }

.product-card__footer {
  display: flex; align-items: center; justify-content: space-between;
  margin-top: 8px;
  padding-top: 16px;
  border-top: 1px solid var(--border);
  font-size: .83rem;
  font-weight: 600;
  color: var(--text-light);
  transition: color .2s ease;
}
.product-card__footer i { font-size: .75rem; opacity: 0; transform: translateX(-4px); transition: all .22s ease; }
.product-card:hover .product-card__footer { color: var(--card-accent); }
.product-card:hover .product-card__footer i { opacity: 1; transform: translateX(0); }

/* ============================================================
   INSIGHTS
   ============================================================ */
.insights-section { padding: 80px 0; }
.insights-grid { display: grid; grid-template-columns: 1fr 1fr; grid-template-rows: auto auto; gap: 24px; margin-bottom: 40px; }
.insight-card--featured { grid-row: span 2; }
.insight-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
}
.insight-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.insight-card__image { position: relative; height: 220px; overflow: hidden; }
.insight-card--featured .insight-card__image { height: 300px; }
.insight-card__image--sm { height: 140px; }
.insight-card__image img { width: 100%; height: 100%; object-fit: cover; transition: transform .4s; }
.insight-card:hover .insight-card__image img { transform: scale(1.04); }
.insight-tag { position: absolute; bottom: 12px; left: 12px; background: var(--coral); color: var(--white); font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; padding: 4px 10px; border-radius: 4px; }
.insight-tag--alt { position: static; display: inline-block; background: rgba(224,123,84,.12); color: var(--coral); margin-bottom: 4px; }
.insight-card__body { padding: 24px; flex: 1; display: flex; flex-direction: column; gap: 12px; }
.insight-card__body h3 { font-size: 1rem; font-weight: 600; color: var(--navy); line-height: 1.4; }
.insight-card--featured .insight-card__body h3 { font-size: 1.2rem; }
.insight-card__body p { font-size: .88rem; color: var(--text-light); line-height: 1.6; }
.insight-card:not(.insight-card--featured) .insight-card__body p { flex: 1; }
.insight-card--featured .insight-card__body { justify-content: flex-start; gap: 16px; }
.insight-themes { list-style: none; display: flex; flex-direction: column; gap: 8px; font-size: .85rem; color: var(--text-light); }
.insight-themes li { display: flex; align-items: center; gap: 8px; }
.insight-themes i { color: var(--coral); font-size: .55rem; flex-shrink: 0; }
.insight-quote { border-left: 3px solid var(--coral); padding: 8px 14px; margin: 0; font-size: .85rem; color: var(--navy); font-style: italic; line-height: 1.6; background: rgba(224,123,84,.05); border-radius: 0 4px 4px 0; }
.insight-meta { display: flex; gap: 16px; color: var(--grey); font-size: .8rem; margin-top: auto; }
.section-cta { text-align: center; }

/* ============================================================
   TOOLS SECTION
   ============================================================ */
.tools-section { padding: 80px 0; background: var(--navy); }
.tools-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.tools-text h2 { font-size: clamp(1.6rem, 2.5vw, 2.1rem); font-weight: 700; color: var(--white); margin-bottom: 16px; }
.tools-text p { color: rgba(255,255,255,.75); font-size: .95rem; margin-bottom: 28px; line-height: 1.7; }
.tools-list { display: flex; flex-direction: column; gap: 12px; margin-bottom: 32px; }
.tools-list li { display: flex; align-items: center; gap: 12px; color: rgba(255,255,255,.85); font-size: .92rem; }
.tools-list i { color: var(--coral-light); font-size: .9rem; flex-shrink: 0; }

.calculator-widget {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.calculator-widget h4 { font-size: 1.1rem; font-weight: 700; color: var(--navy); border-bottom: 2px solid var(--coral); padding-bottom: 12px; }
.calc-field { display: flex; flex-direction: column; gap: 6px; }
.calc-field label { font-size: .82rem; font-weight: 600; color: var(--text-light); text-transform: uppercase; letter-spacing: .5px; }
.calc-field input {
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-size: .95rem;
  font-family: var(--font);
  color: var(--text);
  transition: var(--transition);
  width: 100%;
}
.calc-field input:focus { outline: none; border-color: var(--coral); box-shadow: 0 0 0 3px rgba(224,123,84,.15); }
.input-prefix { position: relative; }
.input-prefix span { position: absolute; left: 12px; top: 50%; transform: translateY(-50%); color: var(--grey); font-weight: 600; }
.input-prefix input { padding-left: 28px; }
.calc-disclaimer { font-size: .75rem; color: var(--grey); text-align: center; }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials { padding: 80px 0; background: var(--off-white); }
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testimonial-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.stars { color: #f4a623; font-size: .9rem; display: flex; gap: 3px; }
.testimonial-card p { color: var(--text-light); font-size: .92rem; line-height: 1.7; flex: 1; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.author-avatar { width: 42px; height: 42px; border-radius: 50%; background: var(--navy); color: var(--white); display: flex; align-items: center; justify-content: center; font-size: .78rem; font-weight: 700; flex-shrink: 0; }
.testimonial-author strong { display: block; font-size: .9rem; color: var(--navy); }
.testimonial-author span { font-size: .78rem; color: var(--grey); }

/* ============================================================
   CTA BAND
   ============================================================ */
.cta-band { background: var(--coral); padding: 64px 0; }
.cta-band__inner { display: flex; align-items: center; justify-content: space-between; gap: 32px; flex-wrap: wrap; }
.cta-band__text h2 { font-size: clamp(1.4rem, 2.5vw, 1.9rem); font-weight: 700; color: var(--white); margin-bottom: 8px; }
.cta-band__text p { color: rgba(255,255,255,.85); font-size: .95rem; }
.cta-band__actions { display: flex; gap: 16px; flex-wrap: wrap; }
.cta-band .btn--coral { background: var(--white); color: var(--coral); border-color: var(--white); }
.cta-band .btn--coral:hover { background: var(--off-white); }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer { background: var(--navy); color: rgba(255,255,255,.7); }
.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
  gap: 48px;
  padding: 72px 0 48px;
}
.footer__brand { display: flex; flex-direction: column; gap: 16px; }
.footer__brand p { font-size: .88rem; line-height: 1.7; }
.footer__social { display: flex; gap: 12px; }
.footer__social a { width: 36px; height: 36px; border-radius: 50%; border: 1px solid rgba(255,255,255,.2); display: flex; align-items: center; justify-content: center; font-size: .85rem; transition: var(--transition); }
.footer__social a:hover { background: var(--coral); border-color: var(--coral); color: var(--white); }
.footer__col h5 { font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1.2px; color: var(--white); margin-bottom: 16px; }
.footer__col ul { display: flex; flex-direction: column; gap: 10px; }
.footer__col ul a { font-size: .87rem; transition: var(--transition); }
.footer__col ul a:hover { color: var(--white); padding-left: 4px; }
.footer__bottom { border-top: 1px solid rgba(255,255,255,.1); padding: 24px 0; }
.footer__bottom-inner { display: flex; flex-direction: column; gap: 6px; }
.footer__bottom p { font-size: .78rem; }

/* ============================================================
   RETIREMENT CALCULATOR MODAL
   ============================================================ */
.calc-modal {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 2000;
  align-items: center;
  justify-content: center;
}
.calc-modal.open { display: flex; }
.calc-modal__backdrop {
  position: absolute;
  inset: 0;
  background: rgba(13,32,53,.65);
  backdrop-filter: blur(4px);
}
.calc-modal__box {
  position: relative;
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 44px 36px 36px;
  max-width: 440px;
  width: calc(100% - 48px);
  text-align: center;
  box-shadow: var(--shadow-lg);
  animation: modalIn .25s ease;
}
@keyframes modalIn {
  from { opacity: 0; transform: scale(.94) translateY(14px); }
  to   { opacity: 1; transform: scale(1) translateY(0); }
}
.calc-modal__close {
  position: absolute;
  top: 14px;
  right: 14px;
  background: none;
  border: none;
  font-size: 1.1rem;
  color: var(--grey);
  cursor: pointer;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
}
.calc-modal__close:hover { background: var(--grey-light); color: var(--navy); }
.calc-modal__icon { font-size: 2.6rem; color: var(--coral); margin-bottom: 14px; }
.calc-modal__box h3 { font-size: 1.2rem; font-weight: 700; color: var(--navy); margin-bottom: 22px; }
.calc-modal__result { font-size: 2.6rem; font-weight: 700; color: var(--coral); line-height: 1.1; margin-bottom: 10px; }
.calc-modal__meta { font-size: .88rem; color: var(--text-light); line-height: 1.6; margin-bottom: 8px; }
.calc-modal__disclaimer { font-size: .75rem; color: var(--grey); margin-bottom: 28px; }

/* ============================================================
   BACK TO TOP
   ============================================================ */
.back-to-top {
  position: fixed;
  bottom: 36px;
  right: 36px;
  width: 46px;
  height: 46px;
  background: var(--navy);
  color: var(--white);
  border: none;
  border-radius: 50%;
  font-size: .9rem;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  transform: translateY(14px);
  transition: opacity .3s ease, transform .3s ease, background .2s ease;
  z-index: 800;
  pointer-events: none;
  box-shadow: 0 4px 18px rgba(13,32,53,.28);
}
.back-to-top.visible { opacity: 1; transform: translateY(0); pointer-events: auto; }
.back-to-top:hover { background: var(--coral); }

/* ============================================================
   COOKIE CONSENT BANNER
   ============================================================ */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 9000;
  background: var(--navy);
  border-top: 3px solid var(--coral);
  transform: translateY(100%);
  transition: transform .4s cubic-bezier(.32,.72,0,1);
  box-shadow: 0 -6px 28px rgba(0,0,0,.22);
  pointer-events: none;
}
.cookie-banner.visible {
  transform: translateY(0);
  pointer-events: auto;
}
.cookie-banner__inner {
  display: flex;
  align-items: center;
  gap: 28px;
  padding: 20px 24px;
  flex-wrap: wrap;
}
.cookie-banner__text {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  flex: 1;
  min-width: 260px;
}
.cookie-banner__text > i {
  font-size: 1.5rem;
  color: var(--coral-light);
  margin-top: 1px;
  flex-shrink: 0;
}
.cookie-banner__text p {
  color: rgba(255,255,255,.82);
  font-size: .88rem;
  line-height: 1.65;
  margin: 0;
}
.cookie-banner__text p strong { color: var(--white); }
.cookie-banner__text a {
  color: var(--coral-light);
  text-decoration: underline;
  transition: color .2s;
}
.cookie-banner__text a:hover { color: var(--white); }
.cookie-banner__actions {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-shrink: 0;
  flex-wrap: wrap;
}
.cookie-banner__settings {
  font-size: .85rem;
  color: rgba(255,255,255,.65);
  text-decoration: underline;
  white-space: nowrap;
  transition: color .2s;
}
.cookie-banner__settings:hover { color: var(--white); }
.cookie-open .back-to-top { bottom: 108px; }
@media (max-width: 640px) {
  .cookie-banner__inner { flex-direction: column; gap: 16px; }
  .cookie-banner__actions { width: 100%; }
  .cookie-banner__actions .btn { flex: 1; justify-content: center; }
  .cookie-open .back-to-top { display: none; }
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1100px) {
  .main-nav { display: none; }
  .hamburger { display: flex; }
  .header__actions { margin-left: auto; }
  .header__actions .btn--primary { display: none; }
  .stats-banner__grid { grid-template-columns: repeat(2, 1fr); }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .footer__brand { grid-column: span 2; }
}

@media (max-width: 900px) {
  .hero__content { grid-template-columns: 1fr; }
  .hero__image-wrapper { display: none; }
  .feature-grid { grid-template-columns: 1fr; }
  .tools-inner { grid-template-columns: 1fr; gap: 40px; }
  .products-strip__header { flex-direction: column; align-items: flex-start; }
  .insights-grid { grid-template-columns: 1fr; }
  .insight-card--featured { grid-row: span 1; }
  .products-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonials-grid { grid-template-columns: 1fr; }
}

@media (max-width: 640px) {
  .top-bar { display: none; }
  .hero { min-height: auto; }
  .hero__content { padding-top: 48px; padding-bottom: 60px; }
  .hero__headline { font-size: 1.9rem; }
  .hero__ctas { flex-direction: column; }
  .stats-banner__grid { grid-template-columns: 1fr 1fr; gap: 24px; }
  .tab-panel__grid { grid-template-columns: 1fr; }
  .products-grid { grid-template-columns: 1fr; }
  .tabs__nav { flex-direction: column; border-radius: 18px; width: 100%; }
  .tab-btn { border-radius: 12px; justify-content: flex-start; }
  .tab-btn__label { font-size: .9rem; }
  .feature-card__content { padding: 28px; }
  .cta-band__inner { flex-direction: column; align-items: flex-start; }
  .cta-band__actions { flex-direction: column; width: 100%; }
  .cta-band__actions .btn { width: 100%; justify-content: center; }
  .footer__grid { grid-template-columns: 1fr; gap: 32px; }
  .footer__brand { grid-column: 1; }
  .footer__bottom-inner { flex-direction: column; }
}

@media (max-width: 400px) {
  .stats-banner__grid { grid-template-columns: 1fr; }
  .container { padding: 0 16px; }
}