/**
 * ╔═══════════════════════════════════════════════════════════════════════╗
 * ║   🏦 PROJECT: ONESTOPFINANCIAL.SG                                    ║
 * ║   ⚠️  This is NOT ThriveInSingapore!                                 ║
 * ║   ✨ Enhanced with Interactive Animations & Visual Effects           ║
 * ╚═══════════════════════════════════════════════════════════════════════╝
 * 
 * OneStopFinancial.sg - Custom Styles
 * Champagne Chic Theme + Advanced Interactions
 */

/* ============================================
   CSS CUSTOM PROPERTIES
   ============================================ */
:root {
  /* Color Palette - All White Theme */
  --color-champagne: #FFFFFF;
  --color-champagne-light: #FFFFFF;
  --color-champagne-cream: #FFFFFF;
  
  --color-gold: #C9A962;
  --color-gold-dark: #B8986A;
  --color-gold-matte: #A68B5B;
  --color-gold-light: #E0C989;
  --color-gold-border: #D4C4A8;
  
  --color-ivory: #E1D4C1;
  --color-ivory-warm: #DDD5CA;
  
  --color-stone: #DDD5CA;
  --color-stone-warm: #D4C9BC;
  
  --color-espresso: #2B1C10;
  --color-taupe: #6A625D;
  --color-taupe-light: #8A827D;
  
  --color-brown-warm: #6E493A;
  --color-charcoal: #3D3835;
  --color-charcoal-soft: #4A4543;
  
  /* Brand Colors */
  --color-brand-red: #DC4C3F;
  --color-whatsapp: #25D366;
  
  /* Typography */
  --font-display: 'Cormorant Garamond', Georgia, serif;
  --font-body: 'Libre Franklin', system-ui, sans-serif;
  
  /* Shadows */
  --shadow-sm: 0 1px 2px rgba(43, 28, 16, 0.04);
  --shadow-md: 0 4px 6px rgba(43, 28, 16, 0.06);
  --shadow-lg: 0 10px 25px rgba(43, 28, 16, 0.08);
  --shadow-gold: 0 4px 20px rgba(201, 169, 98, 0.35);
  --shadow-glow: 0 0 40px rgba(201, 169, 98, 0.3);
  --shadow-glow-red: 0 0 40px rgba(220, 76, 63, 0.3);
  
  /* Animation Timing */
  --ease-bounce: cubic-bezier(0.68, -0.55, 0.265, 1.55);
  --ease-smooth: cubic-bezier(0.4, 0, 0.2, 1);
  --ease-out-expo: cubic-bezier(0.19, 1, 0.22, 1);
}

/* ============================================
   BASE STYLES
   ============================================ */
html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-body);
  color: var(--color-charcoal-soft);
  background-color: #FFFFFF;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* ============================================
   TYPOGRAPHY
   ============================================ */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  color: var(--color-espresso);
  font-weight: 600;
}

.font-display {
  font-family: var(--font-display);
}

.font-body {
  font-family: var(--font-body);
}

/* ============================================
   BUTTONS
   ============================================ */
.btn-primary {
  background: linear-gradient(135deg, #C9A962 0%, #B8986A 100%);
  color: white;
  font-weight: 600;
  padding: 0.875rem 2rem;
  border-radius: 0.5rem;
  transition: all 0.3s ease;
  box-shadow: var(--shadow-gold);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 25px rgba(201, 169, 98, 0.45);
}

.btn-secondary {
  background: transparent;
  color: var(--color-brown-warm);
  font-weight: 600;
  padding: 0.875rem 2rem;
  border: 2px solid var(--color-brown-warm);
  border-radius: 0.5rem;
  transition: all 0.3s ease;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.btn-secondary:hover {
  background: var(--color-brown-warm);
  color: white;
}

.btn-whatsapp {
  background: #25D366;
  color: white;
  font-weight: 600;
  padding: 0.875rem 2rem;
  border-radius: 0.5rem;
  transition: all 0.3s ease;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
}

.btn-whatsapp:hover {
  background: #128C7E;
  transform: translateY(-2px);
}

/* ============================================
   CARDS
   ============================================ */
.card {
  background: white;
  border: 1px solid var(--color-ivory);
  border-radius: 1rem;
  padding: 2rem;
  box-shadow: var(--shadow-sm);
  transition: all 0.3s ease;
}

.card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.card-gold {
  background: #FFFFFF;
  border: 1px solid var(--color-gold-border);
}

/* ============================================
   SECTIONS
   ============================================ */
.section-white {
  background-color: #FFFFFF;
}

.section-cream {
  background-color: #FFFFFF;
}

.section-champagne {
  background-color: #FFFFFF;
}

/* ============================================
   NAVIGATION
   ============================================ */
.nav-link {
  color: var(--color-charcoal-soft);
  font-weight: 500;
  transition: color 0.2s ease;
}

.nav-link:hover {
  color: var(--color-gold);
}

/* ============================================
   FORMS
   ============================================ */
.form-input {
  width: 100%;
  padding: 0.875rem 1rem;
  border: 1px solid var(--color-ivory);
  border-radius: 0.5rem;
  font-family: var(--font-body);
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.form-input:focus {
  outline: none;
  border-color: var(--color-gold);
  box-shadow: 0 0 0 3px rgba(201, 169, 98, 0.15);
}

.form-label {
  display: block;
  margin-bottom: 0.5rem;
  font-weight: 500;
  color: var(--color-espresso);
}

/* ============================================
   ANIMATIONS - Core
   ============================================ */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(30px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes fadeInDown {
  from { opacity: 0; transform: translateY(-30px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes fadeInLeft {
  from { opacity: 0; transform: translateX(-40px); }
  to { opacity: 1; transform: translateX(0); }
}

@keyframes fadeInRight {
  from { opacity: 0; transform: translateX(40px); }
  to { opacity: 1; transform: translateX(0); }
}

@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}

@keyframes scaleIn {
  from { opacity: 0; transform: scale(0.9); }
  to { opacity: 1; transform: scale(1); }
}

@keyframes scaleInBounce {
  0% { opacity: 0; transform: scale(0.3); }
  50% { opacity: 1; transform: scale(1.05); }
  70% { transform: scale(0.95); }
  100% { transform: scale(1); }
}

/* ============================================
   ANIMATIONS - Floating & Motion
   ============================================ */
@keyframes float {
  0%, 100% { transform: translateY(0px); }
  50% { transform: translateY(-12px); }
}

@keyframes floatRotate {
  0%, 100% { transform: translateY(0px) rotate(0deg); }
  25% { transform: translateY(-8px) rotate(2deg); }
  75% { transform: translateY(-4px) rotate(-2deg); }
}

@keyframes pulse {
  0%, 100% { transform: scale(1); opacity: 1; }
  50% { transform: scale(1.05); opacity: 0.9; }
}

@keyframes pulseGlow {
  0%, 100% { box-shadow: 0 0 20px rgba(201, 169, 98, 0.3); }
  50% { box-shadow: 0 0 40px rgba(201, 169, 98, 0.5); }
}

@keyframes wiggle {
  0%, 100% { transform: rotate(-3deg); }
  50% { transform: rotate(3deg); }
}

@keyframes bounce {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

@keyframes bounceHorizontal {
  0%, 100% { transform: translateX(0); }
  50% { transform: translateX(5px); }
}

/* ============================================
   ANIMATIONS - Background Effects
   ============================================ */
@keyframes gradientShift {
  0% { background-position: 0% 50%; }
  50% { background-position: 100% 50%; }
  100% { background-position: 0% 50%; }
}

@keyframes shimmer {
  0% { background-position: -200% 0; }
  100% { background-position: 200% 0; }
}

@keyframes morphBlob {
  0%, 100% { border-radius: 60% 40% 30% 70%/60% 30% 70% 40%; }
  25% { border-radius: 30% 60% 70% 40%/50% 60% 30% 60%; }
  50% { border-radius: 50% 60% 30% 60%/30% 40% 70% 60%; }
  75% { border-radius: 60% 40% 60% 30%/40% 60% 30% 70%; }
}

@keyframes ripple {
  0% { transform: scale(0); opacity: 0.5; }
  100% { transform: scale(4); opacity: 0; }
}

@keyframes spin {
  from { transform: rotate(0deg); }
  to { transform: rotate(360deg); }
}

@keyframes spinSlow {
  from { transform: rotate(0deg); }
  to { transform: rotate(360deg); }
}

/* ============================================
   ANIMATIONS - Reveal & Scroll
   ============================================ */
@keyframes revealFromBottom {
  from { 
    opacity: 0; 
    transform: translateY(60px);
    filter: blur(10px);
  }
  to { 
    opacity: 1; 
    transform: translateY(0);
    filter: blur(0);
  }
}

@keyframes revealFromLeft {
  from { 
    opacity: 0; 
    transform: translateX(-60px);
    filter: blur(5px);
  }
  to { 
    opacity: 1; 
    transform: translateX(0);
    filter: blur(0);
  }
}

@keyframes revealFromRight {
  from { 
    opacity: 0; 
    transform: translateX(60px);
    filter: blur(5px);
  }
  to { 
    opacity: 1; 
    transform: translateX(0);
    filter: blur(0);
  }
}

@keyframes typewriter {
  from { width: 0; }
  to { width: 100%; }
}

@keyframes blink {
  0%, 100% { opacity: 1; }
  50% { opacity: 0; }
}

/* ============================================
   ANIMATION CLASSES
   ============================================ */
.animate-fade-in-up { animation: fadeInUp 0.7s var(--ease-out-expo) forwards; }
.animate-fade-in-down { animation: fadeInDown 0.7s var(--ease-out-expo) forwards; }
.animate-fade-in-left { animation: fadeInLeft 0.7s var(--ease-out-expo) forwards; }
.animate-fade-in-right { animation: fadeInRight 0.7s var(--ease-out-expo) forwards; }
.animate-fade-in { animation: fadeIn 0.5s ease forwards; }
.animate-scale-in { animation: scaleIn 0.5s var(--ease-bounce) forwards; }
.animate-scale-bounce { animation: scaleInBounce 0.8s var(--ease-bounce) forwards; }
.animate-float { animation: float 4s ease-in-out infinite; }
.animate-float-slow { animation: float 6s ease-in-out infinite; }
.animate-float-rotate { animation: floatRotate 5s ease-in-out infinite; }
.animate-pulse { animation: pulse 2s ease-in-out infinite; }
.animate-pulse-glow { animation: pulseGlow 2s ease-in-out infinite; }
.animate-wiggle { animation: wiggle 0.5s ease-in-out; }
.animate-bounce { animation: bounce 1s ease-in-out infinite; }
.animate-bounce-horizontal { animation: bounceHorizontal 1.5s ease-in-out infinite; }
.animate-spin { animation: spin 1s linear infinite; }
.animate-spin-slow { animation: spinSlow 8s linear infinite; }
.animate-gradient { animation: gradientShift 4s ease infinite; background-size: 200% 200%; }
.animate-shimmer { animation: shimmer 2s linear infinite; background-size: 200% 100%; }
.animate-morph { animation: morphBlob 8s ease-in-out infinite; }
.animate-reveal { animation: revealFromBottom 0.8s var(--ease-out-expo) forwards; }
.animate-reveal-left { animation: revealFromLeft 0.8s var(--ease-out-expo) forwards; }
.animate-reveal-right { animation: revealFromRight 0.8s var(--ease-out-expo) forwards; }

/* Stagger animations */
.stagger-1 { animation-delay: 0.1s; }
.stagger-2 { animation-delay: 0.2s; }
.stagger-3 { animation-delay: 0.3s; }
.stagger-4 { animation-delay: 0.4s; }
.stagger-5 { animation-delay: 0.5s; }
.stagger-6 { animation-delay: 0.6s; }
.stagger-7 { animation-delay: 0.7s; }
.stagger-8 { animation-delay: 0.8s; }

/* Intersection Observer based reveal */
.reveal-on-scroll {
  opacity: 0;
  transform: translateY(40px);
  transition: all 0.8s var(--ease-out-expo);
}

.reveal-on-scroll.is-visible {
  opacity: 1;
  transform: translateY(0);
}

.reveal-on-scroll.from-left {
  transform: translateX(-40px);
}

.reveal-on-scroll.from-left.is-visible {
  transform: translateX(0);
}

.reveal-on-scroll.from-right {
  transform: translateX(40px);
}

.reveal-on-scroll.from-right.is-visible {
  transform: translateX(0);
}

.reveal-on-scroll.from-scale {
  transform: scale(0.9);
}

.reveal-on-scroll.from-scale.is-visible {
  transform: scale(1);
}

/* ============================================
   UTILITIES
   ============================================ */
.text-gradient-gold {
  background: linear-gradient(135deg, #C9A962 0%, #B8986A 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.text-gradient-red {
  background: linear-gradient(135deg, #DC4C3F 0%, #c0392b 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.text-gradient-shine {
  background: linear-gradient(90deg, #C9A962, #fff, #C9A962);
  background-size: 200% auto;
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  animation: shimmer 3s linear infinite;
}

.border-gold {
  border-color: var(--color-gold-border);
}

.bg-overlay-gold {
  background: linear-gradient(180deg, rgba(255, 253, 250, 0.72) 0%, rgba(253, 248, 240, 0.65) 40%, rgba(250, 245, 235, 0.55) 100%);
}

/* Gold accent line */
.gold-line {
  width: 60px;
  height: 3px;
  background: linear-gradient(90deg, var(--color-gold) 0%, var(--color-gold-dark) 100%);
  border-radius: 2px;
}

/* ============================================
   INTERACTIVE EFFECTS
   ============================================ */

/* Hover Lift Effect */
.hover-lift {
  transition: transform 0.4s var(--ease-out-expo), box-shadow 0.4s var(--ease-out-expo);
}

.hover-lift:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.12);
}

/* Hover Scale Effect */
.hover-scale {
  transition: transform 0.3s var(--ease-smooth);
}

.hover-scale:hover {
  transform: scale(1.05);
}

/* Hover Glow Effect */
.hover-glow {
  transition: box-shadow 0.4s var(--ease-smooth);
}

.hover-glow:hover {
  box-shadow: var(--shadow-glow);
}

.hover-glow-red:hover {
  box-shadow: var(--shadow-glow-red);
}

/* Magnetic Button Effect (enhanced via JS) */
.magnetic-btn {
  position: relative;
  transition: transform 0.3s var(--ease-smooth);
}

.magnetic-btn:hover {
  transform: scale(1.02);
}

/* Button Ripple Effect */
.btn-ripple {
  position: relative;
  overflow: hidden;
}

.btn-ripple::after {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  width: 0;
  height: 0;
  background: rgba(255, 255, 255, 0.3);
  border-radius: 50%;
  transform: translate(-50%, -50%);
  transition: width 0.6s ease, height 0.6s ease;
}

.btn-ripple:active::after {
  width: 300px;
  height: 300px;
  opacity: 0;
}

/* Shimmer Button */
.btn-shimmer {
  position: relative;
  overflow: hidden;
}

.btn-shimmer::before {
  content: '';
  position: absolute;
  top: 0;
  left: -100%;
  width: 100%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.3), transparent);
  transition: left 0.5s ease;
}

.btn-shimmer:hover::before {
  left: 100%;
}

/* Tilt Card Effect (enhanced via JS) */
.tilt-card {
  transform-style: preserve-3d;
  transition: transform 0.3s var(--ease-smooth);
}

.tilt-card:hover {
  transform: perspective(1000px) rotateX(2deg) rotateY(-2deg);
}

.tilt-card .tilt-inner {
  transition: transform 0.3s var(--ease-smooth);
}

.tilt-card:hover .tilt-inner {
  transform: translateZ(20px);
}

/* Glassmorphism */
.glass {
  background: rgba(255, 255, 255, 0.7);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(255, 255, 255, 0.3);
}

.glass-dark {
  background: rgba(0, 0, 0, 0.4);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(255, 255, 255, 0.1);
}

/* Glowing Border */
.glow-border {
  position: relative;
}

.glow-border::before {
  content: '';
  position: absolute;
  inset: -2px;
  border-radius: inherit;
  padding: 2px;
  background: linear-gradient(135deg, #C9A962, #DC4C3F, #C9A962);
  -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  -webkit-mask-composite: xor;
  mask-composite: exclude;
  opacity: 0;
  transition: opacity 0.4s ease;
}

.glow-border:hover::before {
  opacity: 1;
}

/* Animated Gradient Border */
.animated-border {
  position: relative;
  background: white;
  z-index: 1;
}

.animated-border::before {
  content: '';
  position: absolute;
  inset: -3px;
  border-radius: inherit;
  background: linear-gradient(90deg, #C9A962, #DC4C3F, #C9A962, #DC4C3F);
  background-size: 300% 100%;
  animation: gradientShift 4s ease infinite;
  z-index: -1;
  opacity: 0;
  transition: opacity 0.3s ease;
}

.animated-border::after {
  content: '';
  position: absolute;
  inset: 1px;
  border-radius: inherit;
  background: white;
  z-index: -1;
}

.animated-border:hover::before {
  opacity: 1;
}

/* Icon Animations */
.icon-bounce:hover svg,
.icon-bounce:hover i {
  animation: bounce 0.5s ease;
}

.icon-spin:hover svg,
.icon-spin:hover i {
  animation: spin 0.6s ease;
}

.icon-wiggle:hover svg,
.icon-wiggle:hover i {
  animation: wiggle 0.5s ease;
}

.icon-pulse:hover svg,
.icon-pulse:hover i {
  animation: pulse 0.5s ease;
}

/* Morphing Background Blobs */
.blob {
  animation: morphBlob 8s ease-in-out infinite;
}

.blob-1 { animation-delay: 0s; }
.blob-2 { animation-delay: -2s; }
.blob-3 { animation-delay: -4s; }

/* Parallax Layers */
.parallax-layer {
  will-change: transform;
  transition: transform 0.1s linear;
}

/* Scroll Progress Indicator */
.scroll-progress {
  position: fixed;
  top: 0;
  left: 0;
  height: 3px;
  background: linear-gradient(90deg, #C9A962, #DC4C3F);
  z-index: 9999;
  transform-origin: left;
  transform: scaleX(0);
  transition: transform 0.1s linear;
}

/* Floating Action Button */
.floating-cta {
  position: fixed;
  bottom: 30px;
  right: 30px;
  z-index: 1000;
  opacity: 0;
  transform: translateY(20px);
  transition: all 0.4s var(--ease-out-expo);
  pointer-events: none;
}

.floating-cta.is-visible {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}

.floating-cta-btn {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px 24px;
  background: #25D366;
  color: white;
  border-radius: 100px;
  font-weight: 700;
  box-shadow: 0 8px 30px rgba(37, 211, 102, 0.4);
  transition: all 0.3s var(--ease-smooth);
}

.floating-cta-btn:hover {
  transform: scale(1.05);
  box-shadow: 0 12px 40px rgba(37, 211, 102, 0.5);
}

/* Particle Background */
.particles {
  position: absolute;
  inset: 0;
  overflow: hidden;
  pointer-events: none;
}

.particle {
  position: absolute;
  width: 6px;
  height: 6px;
  background: rgba(201, 169, 98, 0.3);
  border-radius: 50%;
  animation: float 6s ease-in-out infinite;
}

/* Counter Animation */
.counter {
  display: inline-block;
}

/* Underline Animation */
.underline-hover {
  position: relative;
  text-decoration: none;
}

.underline-hover::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  width: 0;
  height: 2px;
  background: currentColor;
  transition: width 0.4s var(--ease-out-expo);
}

.underline-hover:hover::after {
  width: 100%;
}

/* Arrow Animation */
.arrow-animate {
  transition: transform 0.3s var(--ease-smooth);
}

.group:hover .arrow-animate,
a:hover .arrow-animate,
button:hover .arrow-animate {
  transform: translateX(5px);
}

/* Card Hover Border */
.card-hover-border {
  position: relative;
  transition: all 0.4s var(--ease-smooth);
}

.card-hover-border::before {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: inherit;
  border: 2px solid transparent;
  transition: border-color 0.4s var(--ease-smooth);
}

.card-hover-border:hover::before {
  border-color: var(--color-gold);
}

/* Image Zoom on Hover */
.img-zoom {
  overflow: hidden;
}

.img-zoom img {
  transition: transform 0.6s var(--ease-out-expo);
}

.img-zoom:hover img {
  transform: scale(1.1);
}

/* Blur on Scroll */
.blur-on-scroll {
  transition: filter 0.3s ease;
}

/* Highlight text on hover */
.highlight-hover {
  position: relative;
  z-index: 1;
}

.highlight-hover::before {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 30%;
  background: rgba(201, 169, 98, 0.2);
  z-index: -1;
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s var(--ease-out-expo);
}

.highlight-hover:hover::before {
  transform: scaleX(1);
}

/* Loading Skeleton */
.skeleton {
  background: linear-gradient(90deg, #f0f0f0 25%, #e0e0e0 50%, #f0f0f0 75%);
  background-size: 200% 100%;
  animation: shimmer 1.5s infinite;
  border-radius: 4px;
}

/* Marquee Animation */
@keyframes marquee {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

.marquee {
  animation: marquee 30s linear infinite;
}

.marquee:hover {
  animation-play-state: paused;
}

/* ============================================
   ACCORDION (FAQ)
   ============================================ */
.accordion-item {
  border: 1px solid var(--color-ivory);
  border-radius: 0.75rem;
  margin-bottom: 1rem;
  overflow: hidden;
}

.accordion-header {
  width: 100%;
  padding: 1.25rem 1.5rem;
  background: white;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  font-weight: 600;
  color: var(--color-espresso);
  transition: background 0.2s ease;
}

.accordion-header:hover {
  background: #f5f5f5;
}

.accordion-content {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}

.accordion-content.active {
  max-height: 500px;
}

.accordion-body {
  padding: 0 1.5rem 1.25rem;
  color: var(--color-taupe);
  line-height: 1.7;
}

/* ============================================
   PAGE HEADER / LANDING VIEW
   ============================================ */
.page-header {
  padding: 3rem 0;
  background-color: #FFFFFF;
  border-bottom: 2px solid var(--color-gold);
}

.page-header-container {
  max-width: 64rem;
  margin: 0 auto;
  padding: 0 1.5rem;
}

/* Back navigation link */
.back-link {
  display: inline-flex;
  align-items: center;
  font-size: 0.875rem;
  font-weight: 500;
  margin-bottom: 1.5rem;
  color: var(--color-gold);
  transition: all 0.2s ease;
}

.back-link:hover {
  text-decoration: underline;
  color: var(--color-gold-dark);
}

.back-link svg {
  width: 1rem;
  height: 1rem;
  margin-right: 0.5rem;
}

/* Icon box */
.page-icon-box {
  width: 5rem;
  height: 5rem;
  border-radius: 1rem;
  background: linear-gradient(135deg, rgba(201, 169, 98, 0.1) 0%, rgba(201, 169, 98, 0.05) 100%);
  border: 1px solid var(--color-gold);
  padding: 1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.page-icon-box svg {
  width: 3rem;
  height: 3rem;
  color: var(--color-gold);
}

.page-icon-box img {
  width: 100%;
  height: 100%;
  object-fit: contain;
}

/* Title section */
.page-title-section {
  display: flex;
  flex-direction: column;
}

.page-category {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--color-gold);
  margin-bottom: 0.25rem;
}

.page-title {
  font-family: var(--font-display);
  font-size: 1.875rem;
  font-weight: 700;
  color: var(--color-espresso);
  line-height: 1.2;
}

@media (min-width: 768px) {
  .page-title {
    font-size: 2.25rem;
  }
}

.page-subtitle {
  font-size: 0.875rem;
  color: var(--color-taupe);
  margin-top: 0.25rem;
}

/* Info badges */
.info-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  font-size: 0.875rem;
}

.info-badge {
  padding: 0.5rem 1rem;
  border-radius: 0.5rem;
  background: linear-gradient(135deg, rgba(201, 169, 98, 0.1) 0%, rgba(201, 169, 98, 0.05) 100%);
  border: 1px solid var(--color-gold);
}

.info-badge-label {
  font-size: 0.75rem;
  color: var(--color-taupe);
}

.info-badge-value {
  font-weight: 600;
  color: var(--color-espresso);
}

/* Page description */
.page-description {
  color: var(--color-taupe);
  margin-top: 1.5rem;
  max-width: 48rem;
  line-height: 1.7;
}

/* Gold divider */
.gold-divider {
  height: 3px;
  background: linear-gradient(90deg, transparent, var(--color-gold), transparent);
}

/* Gold border */
.gold-border {
  border-color: var(--color-gold);
}

/* Gold icon */
.gold-icon {
  color: var(--color-gold);
}

/* Gold background */
.gold-bg {
  background: linear-gradient(135deg, rgba(201, 169, 98, 0.15) 0%, rgba(201, 169, 98, 0.08) 100%);
}

/* Scroll margin for anchor navigation */
.scroll-mt {
  scroll-margin-top: 140px;
}

@media (max-width: 1023px) {
  .scroll-mt {
    scroll-margin-top: 120px;
  }
}

/* ============================================
   STICKY TABLE OF CONTENTS (Jump To Navigation)
   ============================================ */
.sticky-toc {
  position: sticky;
  top: 80px; /* Account for main header height */
  z-index: 40;
  background-color: #FFFFFF;
  border-bottom: 1px solid var(--color-ivory);
  transition: box-shadow 0.3s ease, background-color 0.3s ease;
}

/* Adjust for mobile header (smaller) */
@media (max-width: 1023px) {
  .sticky-toc {
    top: 64px;
  }
}

.sticky-toc.is-sticky {
  box-shadow: 0 2px 10px rgba(43, 28, 16, 0.08);
  background-color: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(10px);
}

.toc-container {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.5rem 1rem;
  padding: 0.75rem 0;
}

.toc-label {
  color: var(--color-taupe);
  text-transform: uppercase;
  letter-spacing: 0.2em;
  font-size: 0.65rem;
  font-weight: 600;
  flex-shrink: 0;
}

.toc-link {
  position: relative;
  color: var(--color-charcoal-soft);
  font-size: 0.8125rem;
  font-weight: 500;
  text-decoration: none;
  padding: 0.375rem 0.75rem;
  border-radius: 9999px;
  transition: all 0.3s ease;
  white-space: nowrap;
}

.toc-link:hover {
  color: var(--color-gold);
  background-color: rgba(201, 169, 98, 0.08);
}

.toc-link.active {
  color: white;
  background: linear-gradient(135deg, #C9A962 0%, #B8986A 100%);
  font-weight: 600;
}

.toc-link.active:hover {
  background: linear-gradient(135deg, #B8986A 0%, #A68B5B 100%);
  color: white;
}

/* TOC links container - wrap on all screens */
.toc-scroll-container {
  display: flex;
  flex-wrap: wrap;
  gap: 0.25rem 0.5rem;
  padding-bottom: 0.25rem;
}

/* ============================================
   RESPONSIVE
   ============================================ */
@media (max-width: 768px) {
  .btn-primary,
  .btn-secondary,
  .btn-whatsapp {
    padding: 0.75rem 1.5rem;
    font-size: 0.875rem;
  }
  
  .card {
    padding: 1.5rem;
  }
}

/* ============================================
   PREMIUM CORNERSTONE COMPONENTS
   Site-Wide Upgrade - January 2026
   ============================================ */

/* ============================================
   BELIEF VS REALITY CARDS
   Use for "Common Assumptions" sections
   ============================================ */
.belief-reality-section {
  background: white;
  border-radius: 1.5rem;
  padding: 2.5rem;
  border: 1px solid var(--color-gold);
  margin: 2rem 0;
}

.belief-reality-section .section-title {
  text-align: center;
  margin-bottom: 2rem;
}

.belief-reality-grid {
  display: grid;
  gap: 1.25rem;
}

@media (min-width: 768px) {
  .belief-reality-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .belief-reality-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.belief-reality-card {
  background: white;
  border-radius: 1rem;
  overflow: hidden;
  border: 1px solid #E5E5E5;
  transition: all 0.3s var(--ease-smooth);
}

.belief-reality-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 24px rgba(0, 0, 0, 0.08);
  border-color: var(--color-gold);
}

.belief-card-belief {
  background: linear-gradient(135deg, rgba(220, 76, 63, 0.08) 0%, rgba(220, 76, 63, 0.04) 100%);
  padding: 1.25rem;
  border-bottom: 1px dashed rgba(220, 76, 63, 0.3);
}

.belief-card-belief .belief-label {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.625rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--color-brand-red);
  margin-bottom: 0.5rem;
}

.belief-card-belief .belief-text {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-espresso);
  line-height: 1.4;
}

.belief-card-reality {
  background: linear-gradient(135deg, rgba(16, 185, 129, 0.08) 0%, rgba(16, 185, 129, 0.04) 100%);
  padding: 1.25rem;
}

.belief-card-reality .reality-label {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.625rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #059669;
  margin-bottom: 0.5rem;
}

.belief-card-reality .reality-text {
  font-size: 0.875rem;
  color: var(--color-charcoal-soft);
  line-height: 1.5;
}

/* Compact variant */
.belief-reality-card.compact .belief-card-belief,
.belief-reality-card.compact .belief-card-reality {
  padding: 1rem;
}

.belief-reality-card.compact .belief-text {
  font-size: 0.875rem;
}

.belief-reality-card.compact .reality-text {
  font-size: 0.8125rem;
}

/* ============================================
   HOW THIS FITS YOUR PLAN (Cross-Links)
   Use at end of sections to connect topics
   ============================================ */
.fits-your-plan-section {
  background: linear-gradient(135deg, rgba(201, 169, 98, 0.08) 0%, rgba(201, 169, 98, 0.03) 100%);
  border: 1px solid var(--color-gold);
  border-radius: 1.5rem;
  padding: 2rem;
  margin: 3rem 0;
}

.fits-your-plan-header {
  text-align: center;
  margin-bottom: 1.5rem;
}

.fits-your-plan-header h3 {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-espresso);
  margin-bottom: 0.5rem;
}

.fits-your-plan-header p {
  font-size: 0.875rem;
  color: var(--color-taupe);
}

.fits-your-plan-grid {
  display: grid;
  gap: 1rem;
}

@media (min-width: 768px) {
  .fits-your-plan-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .fits-your-plan-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.fits-plan-link {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 1rem;
  background: white;
  border-radius: 0.75rem;
  border: 1px solid #E5E5E5;
  text-decoration: none;
  transition: all 0.3s var(--ease-smooth);
}

.fits-plan-link:hover {
  border-color: var(--color-gold);
  box-shadow: 0 4px 12px rgba(201, 169, 98, 0.15);
  transform: translateX(4px);
}

.fits-plan-link .link-icon {
  width: 2.5rem;
  height: 2.5rem;
  border-radius: 0.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.fits-plan-link .link-icon svg {
  width: 1.25rem;
  height: 1.25rem;
}

.fits-plan-link .link-content {
  flex: 1;
  min-width: 0;
}

.fits-plan-link .link-title {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-espresso);
  margin-bottom: 0.125rem;
}

.fits-plan-link .link-desc {
  font-size: 0.75rem;
  color: var(--color-taupe);
}

.fits-plan-link .link-arrow {
  color: var(--color-gold);
  opacity: 0;
  transform: translateX(-8px);
  transition: all 0.3s var(--ease-smooth);
}

.fits-plan-link:hover .link-arrow {
  opacity: 1;
  transform: translateX(0);
}

/* ============================================
   STANDARDIZED CTA SECTIONS
   Soft CTA for end of pages
   ============================================ */
.soft-cta-section {
  background: white;
  border-radius: 1.5rem;
  padding: 3rem 2rem;
  border: 2px solid var(--color-gold);
  text-align: center;
  margin: 3rem 0;
}

.soft-cta-section h3 {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--color-espresso);
  margin-bottom: 0.75rem;
}

@media (min-width: 768px) {
  .soft-cta-section h3 {
    font-size: 1.75rem;
  }
}

.soft-cta-section .cta-description {
  font-size: 1rem;
  color: var(--color-taupe);
  margin-bottom: 1.5rem;
  max-width: 36rem;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.6;
}

.soft-cta-buttons {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  align-items: center;
  justify-content: center;
}

@media (min-width: 640px) {
  .soft-cta-buttons {
    flex-direction: row;
  }
}

.btn-cta-primary {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 1rem 1.75rem;
  background: linear-gradient(135deg, #C9A962 0%, #9A7B4F 100%);
  color: white;
  font-weight: 700;
  border-radius: 0.5rem;
  text-decoration: none;
  transition: all 0.3s var(--ease-smooth);
  box-shadow: 0 4px 15px rgba(201, 169, 98, 0.35);
}

.btn-cta-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(201, 169, 98, 0.45);
}

.btn-cta-secondary {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 1rem 1.75rem;
  background: transparent;
  color: var(--color-espresso);
  font-weight: 600;
  border: 2px solid var(--color-gold);
  border-radius: 0.5rem;
  text-decoration: none;
  transition: all 0.3s var(--ease-smooth);
}

.btn-cta-secondary:hover {
  background: linear-gradient(135deg, rgba(201, 169, 98, 0.1) 0%, rgba(201, 169, 98, 0.05) 100%);
}

.soft-cta-disclaimer {
  font-size: 0.75rem;
  color: var(--color-taupe-light);
  margin-top: 1.5rem;
}

/* ============================================
   INFOGRAPHIC CONTAINERS
   Premium visual sections
   ============================================ */
.infographic-section {
  background: white;
  border-radius: 1.5rem;
  padding: 2rem;
  border: 1px solid #E5E5E5;
  margin: 2rem 0;
}

@media (min-width: 768px) {
  .infographic-section {
    padding: 2.5rem;
  }
}

.infographic-section.gold-accent {
  border-color: var(--color-gold);
  background: linear-gradient(135deg, rgba(201, 169, 98, 0.03) 0%, white 100%);
}

.infographic-title {
  text-align: center;
  margin-bottom: 2rem;
}

.infographic-title h3 {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-espresso);
  margin-bottom: 0.5rem;
}

.infographic-title p {
  font-size: 0.875rem;
  color: var(--color-taupe);
}

/* Stacking/Layering Visual */
.stack-visual {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.stack-layer {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1rem 1.25rem;
  border-radius: 1rem;
  transition: all 0.3s var(--ease-smooth);
}

.stack-layer:hover {
  transform: translateX(8px);
}

.stack-layer-icon {
  width: 2.5rem;
  height: 2.5rem;
  border-radius: 0.75rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.stack-layer-icon svg {
  width: 1.25rem;
  height: 1.25rem;
}

.stack-layer-content {
  flex: 1;
}

.stack-layer-title {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-espresso);
}

.stack-layer-desc {
  font-size: 0.8125rem;
  color: var(--color-taupe);
}

/* Layer colors */
.stack-layer.foundation {
  background: linear-gradient(90deg, rgba(16, 185, 129, 0.15) 0%, rgba(16, 185, 129, 0.05) 100%);
  border-left: 4px solid #10B981;
}

.stack-layer.foundation .stack-layer-icon {
  background: #10B981;
  color: white;
}

.stack-layer.middle {
  background: linear-gradient(90deg, rgba(201, 169, 98, 0.15) 0%, rgba(201, 169, 98, 0.05) 100%);
  border-left: 4px solid var(--color-gold);
}

.stack-layer.middle .stack-layer-icon {
  background: var(--color-gold);
  color: white;
}

.stack-layer.top {
  background: linear-gradient(90deg, rgba(59, 130, 246, 0.15) 0%, rgba(59, 130, 246, 0.05) 100%);
  border-left: 4px solid #3B82F6;
}

.stack-layer.top .stack-layer-icon {
  background: #3B82F6;
  color: white;
}

.stack-layer.optional {
  background: linear-gradient(90deg, rgba(156, 163, 175, 0.15) 0%, rgba(156, 163, 175, 0.05) 100%);
  border-left: 4px dashed #9CA3AF;
}

.stack-layer.optional .stack-layer-icon {
  background: #9CA3AF;
  color: white;
}

.stack-layer.risk {
  background: linear-gradient(90deg, rgba(220, 76, 63, 0.1) 0%, rgba(220, 76, 63, 0.03) 100%);
  border-left: 4px solid var(--color-brand-red);
}

.stack-layer.risk .stack-layer-icon {
  background: var(--color-brand-red);
  color: white;
}

/* Protection Pyramid (legacy) */
.protection-pyramid {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.5rem;
  padding: 2rem 0;
}

.pyramid-layer {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 0.875rem 1.5rem;
  border-radius: 0.5rem;
  font-size: 0.875rem;
  font-weight: 600;
  text-align: center;
  transition: all 0.3s var(--ease-smooth);
}

.pyramid-layer:hover {
  transform: scale(1.05);
}

.pyramid-layer.level-1 {
  width: 100%;
  max-width: 24rem;
  background: linear-gradient(135deg, #10B981 0%, #059669 100%);
  color: white;
}

.pyramid-layer.level-2 {
  width: 90%;
  max-width: 21.6rem;
  background: linear-gradient(135deg, #3B82F6 0%, #2563EB 100%);
  color: white;
}

.pyramid-layer.level-3 {
  width: 75%;
  max-width: 18rem;
  background: linear-gradient(135deg, #F59E0B 0%, #D97706 100%);
  color: white;
}

.pyramid-layer.level-4 {
  width: 60%;
  max-width: 14.4rem;
  background: linear-gradient(135deg, #8B5CF6 0%, #7C3AED 100%);
  color: white;
}

.pyramid-layer.level-5 {
  width: 45%;
  max-width: 10.8rem;
  background: linear-gradient(135deg, #EC4899 0%, #DB2777 100%);
  color: white;
}

/* Protection Ecosystem */
.protection-ecosystem {
  position: relative;
  width: 100%;
  max-width: 360px;
  height: 360px;
  margin: 2rem auto;
}

.ecosystem-center {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 100px;
  height: 100px;
  border-radius: 50%;
  background: linear-gradient(135deg, #C9A962 0%, #B8963F 100%);
  color: white;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 0.25rem;
  z-index: 10;
  box-shadow: 0 8px 24px rgba(201, 169, 98, 0.3);
}

.ecosystem-center span {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.ecosystem-connections {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  pointer-events: none;
}

.ecosystem-ring {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
}

.ecosystem-item {
  position: absolute;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.5rem;
  transition: transform 0.3s ease;
}

.ecosystem-item:hover {
  transform: scale(1.1);
}

.ecosystem-item span {
  font-size: 0.75rem;
  font-weight: 600;
  color: #374151;
  text-align: center;
  max-width: 80px;
  line-height: 1.2;
}

.ecosystem-icon {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
  transition: box-shadow 0.3s ease;
}

.ecosystem-item:hover .ecosystem-icon {
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.2);
}

/* Position items in a circle */
.ecosystem-item.item-1 {
  top: 0;
  left: 50%;
  transform: translateX(-50%);
}
.ecosystem-item.item-1 .ecosystem-icon {
  background: linear-gradient(135deg, #10B981 0%, #059669 100%);
}

.ecosystem-item.item-2 {
  top: 28%;
  right: 0;
  transform: translateX(10%);
}
.ecosystem-item.item-2 .ecosystem-icon {
  background: linear-gradient(135deg, #3B82F6 0%, #2563EB 100%);
}

.ecosystem-item.item-3 {
  bottom: 8%;
  right: 10%;
}
.ecosystem-item.item-3 .ecosystem-icon {
  background: linear-gradient(135deg, #F59E0B 0%, #D97706 100%);
}

.ecosystem-item.item-4 {
  bottom: 8%;
  left: 10%;
}
.ecosystem-item.item-4 .ecosystem-icon {
  background: linear-gradient(135deg, #8B5CF6 0%, #7C3AED 100%);
}

.ecosystem-item.item-5 {
  top: 28%;
  left: 0;
  transform: translateX(-10%);
}
.ecosystem-item.item-5 .ecosystem-icon {
  background: linear-gradient(135deg, #EC4899 0%, #DB2777 100%);
}

/* Mobile adjustments */
@media (max-width: 480px) {
  .protection-ecosystem {
    max-width: 300px;
    height: 300px;
  }
  
  .ecosystem-center {
    width: 80px;
    height: 80px;
  }
  
  .ecosystem-center svg {
    width: 1.5rem;
    height: 1.5rem;
  }
  
  .ecosystem-center span {
    font-size: 0.6rem;
  }
  
  .ecosystem-icon {
    width: 44px;
    height: 44px;
  }
  
  .ecosystem-icon svg {
    width: 1rem;
    height: 1rem;
  }
  
  .ecosystem-item span {
    font-size: 0.65rem;
    max-width: 65px;
  }
}

/* Key Insight Box */
.key-insight-box {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1.25rem;
  border-radius: 1rem;
  margin-top: 1.5rem;
}

.key-insight-box.gold {
  background: linear-gradient(135deg, rgba(201, 169, 98, 0.12) 0%, rgba(201, 169, 98, 0.05) 100%);
  border: 1px solid var(--color-gold);
}

.key-insight-box.red {
  background: linear-gradient(135deg, rgba(220, 76, 63, 0.1) 0%, rgba(220, 76, 63, 0.03) 100%);
  border: 1px solid rgba(220, 76, 63, 0.3);
}

.key-insight-box .insight-icon {
  width: 2.5rem;
  height: 2.5rem;
  border-radius: 0.75rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.key-insight-box.gold .insight-icon {
  background: rgba(201, 169, 98, 0.2);
  color: var(--color-gold);
}

.key-insight-box.red .insight-icon {
  background: rgba(220, 76, 63, 0.15);
  color: var(--color-brand-red);
}

.key-insight-box .insight-content h4 {
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--color-espresso);
  margin-bottom: 0.25rem;
}

.key-insight-box .insight-content p {
  font-size: 0.875rem;
  color: var(--color-charcoal-soft);
  line-height: 1.5;
}

/* ============================================
   CALM TAKEAWAY BOX
   Use at end of pages before CTA
   ============================================ */
.calm-takeaway {
  background: linear-gradient(135deg, #f8f9fa 0%, #ffffff 100%);
  border-radius: 1rem;
  padding: 1.5rem;
  border-left: 4px solid var(--color-gold);
  margin: 2rem 0;
}

.calm-takeaway h4 {
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-espresso);
  margin-bottom: 0.5rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.calm-takeaway p {
  font-size: 0.9375rem;
  color: var(--color-charcoal-soft);
  line-height: 1.6;
}

/* ============================================
   PATHWAY ENTRY CARDS (Homepage)
   For 3-pathway navigation
   ============================================ */
.pathway-grid {
  display: grid;
  gap: 1.5rem;
}

@media (min-width: 768px) {
  .pathway-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.pathway-card {
  position: relative;
  background: white;
  border-radius: 1.25rem;
  padding: 2rem;
  border: 2px solid #E5E5E5;
  text-align: center;
  text-decoration: none;
  transition: all 0.4s var(--ease-out-expo);
  overflow: hidden;
}

.pathway-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--pathway-color, var(--color-gold));
  transform: scaleX(0);
  transition: transform 0.4s var(--ease-out-expo);
}

.pathway-card:hover {
  border-color: var(--pathway-color, var(--color-gold));
  transform: translateY(-8px);
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.1);
}

.pathway-card:hover::before {
  transform: scaleX(1);
}

.pathway-icon {
  width: 4rem;
  height: 4rem;
  border-radius: 1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.25rem;
  transition: all 0.3s var(--ease-smooth);
}

.pathway-card:hover .pathway-icon {
  transform: scale(1.1);
}

.pathway-icon svg {
  width: 2rem;
  height: 2rem;
}

.pathway-card h3 {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-espresso);
  margin-bottom: 0.5rem;
}

.pathway-card p {
  font-size: 0.875rem;
  color: var(--color-taupe);
  line-height: 1.5;
}

.pathway-arrow {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  margin-top: 1rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--pathway-color, var(--color-gold));
  opacity: 0;
  transform: translateY(8px);
  transition: all 0.3s var(--ease-smooth);
}

.pathway-card:hover .pathway-arrow {
  opacity: 1;
  transform: translateY(0);
}

/* Pathway colors */
.pathway-card.personal { --pathway-color: #3B82F6; }
.pathway-card.business { --pathway-color: #EC4899; }
.pathway-card.legacy { --pathway-color: #8B5CF6; }

.pathway-card.personal .pathway-icon { background: rgba(59, 130, 246, 0.1); color: #3B82F6; }
.pathway-card.business .pathway-icon { background: rgba(236, 72, 153, 0.1); color: #EC4899; }
.pathway-card.legacy .pathway-icon { background: rgba(139, 92, 246, 0.1); color: #8B5CF6; }

/* ============================================
   LIFE STAGE SELECTOR
   Interactive life-stage navigation
   ============================================ */
.life-stage-selector {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.75rem;
  margin: 1.5rem 0;
}

.life-stage-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.75rem 1.25rem;
  background: white;
  border: 1px solid #E5E5E5;
  border-radius: 2rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--color-charcoal-soft);
  text-decoration: none;
  transition: all 0.3s var(--ease-smooth);
}

.life-stage-btn:hover {
  background: linear-gradient(135deg, rgba(201, 169, 98, 0.1) 0%, rgba(201, 169, 98, 0.05) 100%);
  border-color: var(--color-gold);
  color: var(--color-gold);
}

.life-stage-btn svg {
  width: 1.125rem;
  height: 1.125rem;
}

/* ============================================
   RED HIGHLIGHT UTILITIES
   For risk/gap emphasis
   ============================================ */
.red-highlight {
  color: var(--color-brand-red);
}

.red-bg {
  background: linear-gradient(135deg, rgba(220, 76, 63, 0.1) 0%, rgba(220, 76, 63, 0.05) 100%);
}

.red-border {
  border-color: rgba(220, 76, 63, 0.3);
}

/* Gap indicator */
.income-gap-indicator {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  padding: 0.375rem 0.75rem;
  background: linear-gradient(135deg, rgba(220, 76, 63, 0.15) 0%, rgba(220, 76, 63, 0.08) 100%);
  border: 1px solid rgba(220, 76, 63, 0.3);
  border-radius: 2rem;
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--color-brand-red);
}

/* Covered indicator */
.covered-indicator {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  padding: 0.375rem 0.75rem;
  background: linear-gradient(135deg, rgba(16, 185, 129, 0.15) 0%, rgba(16, 185, 129, 0.08) 100%);
  border: 1px solid rgba(16, 185, 129, 0.3);
  border-radius: 2rem;
  font-size: 0.75rem;
  font-weight: 600;
  color: #059669;
}

/* ============================================
   PRINT STYLES
   ============================================ */
@media print {
  .soft-cta-section,
  .floating-cta,
  .sticky-toc {
    display: none !important;
  }
}