/* =============================================
   V2 — SWISS MODERNIST
   Clean, structured, professional, non-generic
   ============================================= */

:root {
  --bg: #F4F6F9;
  --bg-card: #FFFFFF;
  --text: #0A1628;
  --text-muted: #5A6A82;
  --brand: #0A1628;
  --teal: #00C9A7;
  --gold: #E8B84B;
  --blue: #3B82F6;
  --purple: #8B5CF6;
  --border: #E2E8F0;
  --border-strong: #CBD5E1;
  --shadow: 0 4px 24px rgba(10,22,40,0.06);
  --shadow-lg: 0 12px 48px rgba(10,22,40,0.12);
  --radius: 10px;
  --radius-sm: 6px;
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body: 'Sora', system-ui, sans-serif;
  --max-w: 1200px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  background: var(--bg);
  color: var(--text);
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }

::selection { background: var(--teal); color: white; }

::-webkit-scrollbar { width: 5px; }
::-webkit-scrollbar-track { background: var(--bg); }
::-webkit-scrollbar-thumb { background: var(--border-strong); border-radius: 3px; }

/* === UTILS === */
.section-label {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 10px;
}

.section-title {
  font-family: var(--font-display);
  font-size: clamp(1.9rem, 3.5vw, 2.8rem);
  font-weight: 400;
  line-height: 1.2;
  color: var(--text);
}

.section-title .teal { color: var(--teal); }
.section-title .gold { color: var(--gold); }
.section-title .blue { color: var(--blue); }

.section-sub {
  font-size: 1rem;
  color: var(--text-muted);
  margin-top: 12px;
  max-width: 48ch;
}

.teal { color: var(--teal); }

/* === BUTTONS === */
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--brand);
  color: white;
  padding: 13px 26px;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.88rem;
  font-weight: 500;
  border: none;
  cursor: pointer;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
  letter-spacing: 0.01em;
}

.btn-primary:hover {
  background: #0f2040;
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(10,22,40,0.2);
}

.btn-ghost {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--text-muted);
  font-size: 0.88rem;
  font-weight: 500;
  padding: 13px 0;
  border-bottom: 1.5px solid var(--border-strong);
  transition: color 0.2s, border-color 0.2s;
}

.btn-ghost:hover { color: var(--text); border-color: var(--text); }

.btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--text-muted);
  border: 1.5px solid var(--border-strong);
  padding: 12px 24px;
  border-radius: var(--radius-sm);
  font-size: 0.88rem;
  font-weight: 500;
  transition: border-color 0.2s, color 0.2s;
}

.btn-outline:hover { border-color: var(--teal); color: var(--teal); }

.btn-full { width: 100%; justify-content: center; }

/* === NAV === */
.navbar {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(244,246,249,0.9);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}

.nav-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 32px;
  height: 64px;
  display: flex;
  align-items: center;
  gap: 48px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  color: var(--brand);
  flex-shrink: 0;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
  list-style: none;
  margin-left: auto;
}

.nav-links a {
  font-size: 0.84rem;
  font-weight: 400;
  color: var(--text-muted);
  transition: color 0.2s;
}

.nav-links a:hover { color: var(--text); }

.btn-nav {
  background: var(--brand) !important;
  color: white !important;
  padding: 9px 18px;
  border-radius: var(--radius-sm) !important;
  font-weight: 500 !important;
  transition: background 0.2s !important;
}

.btn-nav:hover { background: #0f2040 !important; }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  margin-left: auto;
}

.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--text);
  border-radius: 1px;
}

/* === HERO === */
.hero {
  position: relative;
  background: var(--brand);
  padding: 80px 32px 100px;
  overflow: hidden;
}

.hero-bg-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 48px 48px;
  pointer-events: none;
}

.hero-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(0,201,167,0.12);
  border: 1px solid rgba(0,201,167,0.25);
  color: var(--teal);
  font-size: 0.78rem;
  font-weight: 500;
  padding: 6px 14px;
  border-radius: 20px;
  margin-bottom: 28px;
}

.badge-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--teal);
  animation: pulse 2s infinite;
}

@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(0.85); }
}

.hero-headline {
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 5vw, 3.8rem);
  font-weight: 400;
  line-height: 1.15;
  color: white;
  margin-bottom: 24px;
  letter-spacing: -0.01em;
}

.hero-sub {
  font-size: 1rem;
  color: rgba(255,255,255,0.6);
  max-width: 44ch;
  line-height: 1.7;
  margin-bottom: 36px;
}

.hero-actions {
  display: flex;
  align-items: center;
  gap: 20px;
  margin-bottom: 48px;
}

.hero-stats-row {
  display: flex;
  gap: 32px;
}

.h-stat { text-align: left; }

.h-num {
  font-family: var(--font-display);
  font-size: 2.4rem;
  font-weight: 400;
  color: white;
  line-height: 1;
}

.h-plus, .h-suffix {
  font-size: 1.4rem;
  color: var(--teal);
  margin-left: 2px;
}

.h-label {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.45);
  margin-top: 4px;
  text-transform: uppercase;
  letter-spacing: 0.1em;
}

/* Hero visual */
.hero-visual {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.hero-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 12px;
  padding: 20px;
  backdrop-filter: blur(8px);
}

.hc-header {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 16px;
}

.hc-dots {
  display: flex;
  gap: 5px;
}

.hc-dots span {
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: rgba(255,255,255,0.15);
}

.hc-dots span:first-child { background: #FF5F57; }
.hc-dots span:nth-child(2) { background: #FEBC2E; }
.hc-dots span:last-child { background: #28C840; }

.hc-title {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.5);
  margin-left: 4px;
}

.hc-chart { margin-bottom: 16px; }

.hc-bars {
  display: flex;
  align-items: flex-end;
  gap: 6px;
  height: 64px;
}

.bar-item {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  height: 100%;
  justify-content: flex-end;
}

.bar-fill {
  width: 100%;
  background: rgba(0,201,167,0.25);
  border-radius: 3px 3px 0 0;
  transition: height 0.6s ease;
  height: var(--h);
  min-height: 8px;
}

.bar-fill.active {
  background: var(--teal);
  box-shadow: 0 0 12px rgba(0,201,167,0.5);
}

.bar-item span {
  font-size: 0.65rem;
  color: rgba(255,255,255,0.3);
}

.hc-metrics {
  display: flex;
  gap: 20px;
}

.hc-metric { flex: 1; }

.hc-ml {
  font-size: 0.65rem;
  color: rgba(255,255,255,0.35);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 2px;
}

.hc-mv {
  font-size: 0.88rem;
  font-weight: 600;
  color: white;
}

.hc-mv.teal { color: var(--teal); }

.hero-cards-stack {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.hero-mini-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 10px;
  padding: 14px 16px;
}

.hmc-label {
  font-size: 0.68rem;
  color: rgba(255,255,255,0.4);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 4px;
}

.hmc-val {
  font-size: 0.9rem;
  font-weight: 600;
  color: white;
}

/* === MARQUEE === */
.marquee {
  background: var(--brand);
  border-top: 1px solid rgba(255,255,255,0.06);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  padding: 14px 0;
  overflow: hidden;
}

.marquee-track {
  display: flex;
  gap: 32px;
  animation: marquee 24s linear infinite;
  white-space: nowrap;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.3);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 500;
}

.marquee-track .sep { color: var(--teal); opacity: 0.4; }

@keyframes marquee {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

/* === SERVICES === */
.services { padding: 96px 32px; }

.services-inner { max-width: var(--max-w); margin: 0 auto; }

.services-header { margin-bottom: 56px; }

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

.svc-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  transition: box-shadow 0.25s, transform 0.25s, border-color 0.25s;
}

.svc-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
  border-color: var(--teal);
}

.svc-icon {
  width: 48px;
  height: 48px;
  border-radius: 10px;
  background: rgba(0,201,167,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
}

.svc-card h3 {
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 400;
  margin-bottom: 10px;
}

.svc-card p {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.65;
  margin-bottom: 18px;
}

.svc-cta {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--teal);
  display: inline-flex;
  align-items: center;
  gap: 4px;
  transition: gap 0.2s;
}

.svc-cta:hover { gap: 8px; }

/* === HOW === */
.how {
  background: var(--brand);
  padding: 96px 32px;
}

.how-inner { max-width: var(--max-w); margin: 0 auto; }

.how-header { margin-bottom: 56px; }

.how-header .section-label { color: var(--teal); }
.how-header .section-title { color: white; }
.how-header .section-title .teal { color: var(--teal); }

.how-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

.how-step {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius);
  padding: 24px;
  position: relative;
}

.how-num {
  font-family: var(--font-display);
  font-size: 2.4rem;
  font-weight: 400;
  color: rgba(255,255,255,0.1);
  margin-bottom: 12px;
  line-height: 1;
}

.how-body h4 {
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 400;
  color: white;
  margin-bottom: 8px;
}

.how-body p {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
  line-height: 1.65;
}

/* === RESULTS === */
.results { padding: 96px 32px; }

.results-inner { max-width: var(--max-w); margin: 0 auto; }

.results-header { margin-bottom: 48px; }

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

.res-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  transition: box-shadow 0.25s, transform 0.25s;
}

.res-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); }

.res-card.featured {
  background: var(--brand);
  border-color: var(--brand);
}

.res-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 18px;
}

.res-badge {
  font-size: 0.68rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  padding: 4px 10px;
  border-radius: 20px;
  background: rgba(0,201,167,0.1);
  color: var(--teal);
}

.res-badge.gold { background: rgba(232,184,75,0.15); color: var(--gold); }
.res-badge.blue { background: rgba(59,130,246,0.1); color: var(--blue); }

.res-year {
  font-size: 0.72rem;
  color: var(--text-muted);
}

.res-card.featured .res-year { color: rgba(255,255,255,0.4); }

.res-quote {
  font-size: 0.9rem;
  line-height: 1.7;
  color: var(--text);
  margin-bottom: 20px;
  font-style: italic;
}

.res-card.featured .res-quote { color: rgba(255,255,255,0.85); }

.res-bottom {
  display: flex;
  align-items: center;
  gap: 12px;
}

.res-avatar {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--brand);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 600;
  flex-shrink: 0;
}

.res-card.featured .res-avatar { background: rgba(255,255,255,0.15); }

.res-name {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text);
}

.res-card.featured .res-name { color: white; }

.res-loc {
  font-size: 0.72rem;
  color: var(--text-muted);
}

.res-card.featured .res-loc { color: rgba(255,255,255,0.5); }

/* === JOURNAL === */
.journal { padding: 96px 32px; background: var(--bg); }

.journal-inner { max-width: var(--max-w); margin: 0 auto; }

.journal-header {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  margin-bottom: 40px;
}

.journal-link {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--teal);
}

.journal-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 20px;
}

.j-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: box-shadow 0.25s, transform 0.25s;
  display: block;
}

.j-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); }

.j-main .j-img-wrap {
  height: 220px;
  overflow: hidden;
}

.j-main .j-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s;
}

.j-card:hover .j-img-wrap img { transform: scale(1.04); }

.j-body { padding: 20px 24px 24px; }

.j-main .j-body { padding: 24px 28px 28px; }

.j-tag {
  font-size: 0.68rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--teal);
  display: block;
  margin-bottom: 10px;
}

.j-tag.blue { color: var(--blue); }
.j-tag.gold { color: var(--gold); }
.j-tag.purple { color: var(--purple); }

.j-main h3 {
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 400;
  line-height: 1.35;
  margin-bottom: 10px;
}

.j-card:not(.j-main) h3 {
  font-family: var(--font-display);
  font-size: 0.9rem;
  font-weight: 400;
  line-height: 1.4;
  margin-bottom: 8px;
}

.j-body p {
  font-size: 0.83rem;
  color: var(--text-muted);
  line-height: 1.6;
}

.j-main .j-body p { display: block; }
.j-card:not(.j-main) .j-body p { display: none; }

.j-meta {
  font-size: 0.7rem;
  color: var(--text-muted);
  margin-top: 12px;
}

.j-stack {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.j-sm {
  padding: 0;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
}

.j-sm .j-body { padding: 16px 18px; }
.j-sm .j-meta { display: none; }

/* === ADVISOR CTA === */
.advisor-cta {
  background: var(--bg);
  padding: 96px 32px;
}

.advisor-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 64px;
  align-items: center;
}

.advisor-photo img {
  width: 200px;
  height: 200px;
  object-fit: cover;
  border-radius: 12px;
  display: block;
  margin: 0 auto 24px;
}

.advisor-info { text-align: center; }

.advisor-info h4 {
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 400;
  margin-bottom: 4px;
}

.advisor-info > p {
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-bottom: 14px;
}

.advisor-cred {
  display: flex;
  gap: 8px;
  justify-content: center;
  flex-wrap: wrap;
}

.advisor-cred span {
  font-size: 0.68rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  background: rgba(0,201,167,0.1);
  color: var(--teal);
  padding: 4px 10px;
  border-radius: 20px;
}

.advisor-bio {
  font-size: 0.92rem;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 16px;
}

/* === AI CTA === */
.ai-cta {
  background: linear-gradient(135deg, #0A1628 0%, #0f2744 100%);
  padding: 80px 32px;
}

.ai-inner {
  max-width: 640px;
  margin: 0 auto;
  text-align: center;
}

.ai-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--teal);
  margin-bottom: 24px;
}

.ai-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--teal);
  animation: pulse 2s infinite;
}

.ai-inner h2 {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 400;
  color: white;
  margin-bottom: 16px;
  line-height: 1.2;
}

.ai-inner p {
  color: rgba(255,255,255,0.6);
  font-size: 1rem;
  margin-bottom: 32px;
}

.ai-actions {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

.ai-btn { background: var(--teal); color: var(--brand); }
.ai-btn:hover { background: #00b8a0; }

/* === CONTACT === */
.contact { padding: 96px 32px; }

.contact-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: start;
}

.contact-sub {
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.7;
  max-width: 44ch;
  margin: 16px 0 36px;
}

.contact-list {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-bottom: 32px;
}

.cl-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}

.cl-label {
  font-size: 0.7rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--text-muted);
  margin-bottom: 2px;
}

.cl-val { font-size: 0.9rem; color: var(--text); }

.contact-social {
  display: flex;
  gap: 12px;
}

.contact-social a {
  width: 38px;
  height: 38px;
  border: 1px solid var(--border);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: border-color 0.2s, background 0.2s;
}

.contact-social a:hover { border-color: var(--teal); background: rgba(0,201,167,0.04); }

/* === FORM === */
.contact-form {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 36px;
}

.contact-form h3 {
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 400;
  margin-bottom: 24px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.form-group { margin-bottom: 16px; }

.form-group label {
  display: block;
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-muted);
  margin-bottom: 7px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.9rem;
  color: var(--text);
  background: var(--bg);
  transition: border-color 0.2s, box-shadow 0.2s;
  appearance: none;
  -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%235A6A82' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 40px;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(0,201,167,0.1);
}

.form-group input::placeholder,
.form-group textarea::placeholder { color: #A0AEC0; }

.form-group textarea { resize: vertical; min-height: 80px; }

.form-note {
  font-size: 0.75rem;
  color: var(--text-muted);
  margin-top: 10px;
  text-align: center;
}

.form-success {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 16px;
  padding: 14px;
  background: rgba(0,201,167,0.06);
  border-radius: var(--radius-sm);
  font-size: 0.88rem;
  color: var(--teal);
}

/* === FOOTER === */
.footer {
  background: var(--brand);
  padding: 64px 32px 28px;
}

.footer-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 56px;
  margin-bottom: 48px;
}

.footer-brand .logo { color: white; margin-bottom: 14px; }

.footer-brand p {
  font-size: 0.83rem;
  color: rgba(255,255,255,0.45);
  line-height: 1.65;
  max-width: 36ch;
}

.footer-address {
  margin-top: 10px;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.3);
}

.footer-nav {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.footer-col h4 {
  font-size: 0.7rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: white;
  margin-bottom: 14px;
}

.footer-col a {
  display: block;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.45);
  margin-bottom: 10px;
  transition: color 0.2s;
}

.footer-col a:hover { color: white; }

.footer-bottom {
  max-width: var(--max-w);
  margin: 0 auto;
  padding-top: 28px;
  border-top: 1px solid rgba(255,255,255,0.07);
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.footer-bottom p { font-size: 0.73rem; color: rgba(255,255,255,0.3); }

.footer-disclaimer { font-size: 0.68rem !important; line-height: 1.5; max-width: 80ch; }

/* === CHAT WIDGET === */
.chat-widget {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 999;
  font-family: var(--font-body);
}

.chat-launcher {
  width: 54px;
  height: 54px;
  border-radius: 50%;
  background: var(--brand);
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 20px rgba(10,22,40,0.3);
  transition: transform 0.2s, box-shadow 0.2s;
}

.chat-launcher:hover { transform: scale(1.06); box-shadow: 0 6px 28px rgba(10,22,40,0.4); }

.chat-window {
  position: absolute;
  bottom: 68px;
  right: 0;
  width: 352px;
  background: white;
  border-radius: 12px;
  box-shadow: 0 16px 56px rgba(10,22,40,0.18);
  border: 1px solid var(--border);
  display: none;
  flex-direction: column;
  overflow: hidden;
  max-height: 500px;
}

.chat-window.open { display: flex; }

.chat-header {
  background: var(--brand);
  color: white;
  padding: 14px 18px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.chat-header-info {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.84rem;
  font-weight: 500;
}

.chat-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--teal);
}

.chat-close {
  background: none;
  border: none;
  color: rgba(255,255,255,0.6);
  font-size: 1.3rem;
  cursor: pointer;
  line-height: 1;
  padding: 0;
}

.chat-messages {
  flex: 1;
  overflow-y: auto;
  padding: 18px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.chat-msg { font-size: 0.86rem; line-height: 1.6; }

.chat-msg.bot p:first-child { font-weight: 500; margin-bottom: 8px; }

.chat-msg ul {
  padding-left: 16px;
  margin: 8px 0;
  color: var(--text-muted);
}

.chat-msg ul li { margin-bottom: 4px; }

.chat-msg.user {
  background: var(--brand);
  color: white;
  padding: 11px 15px;
  border-radius: 14px 14px 4px 14px;
  align-self: flex-end;
  max-width: 85%;
}

.chat-msg.bot { align-self: flex-start; max-width: 90%; }

.chat-input-area {
  display: flex;
  gap: 8px;
  padding: 14px;
  border-top: 1px solid var(--border);
}

.chat-input {
  flex: 1;
  padding: 9px 14px;
  border: 1.5px solid var(--border);
  border-radius: 20px;
  font-family: var(--font-body);
  font-size: 0.86rem;
  background: var(--bg);
  transition: border-color 0.2s;
}

.chat-input:focus { outline: none; border-color: var(--teal); }

.chat-send {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--brand);
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: background 0.2s;
}

.chat-send:hover { background: #0f2040; }

/* === RESPONSIVE === */
@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-visual { display: none; }
  .hero-text { max-width: 560px; }
  .services-grid { grid-template-columns: 1fr 1fr; }
  .how-steps { grid-template-columns: 1fr 1fr; }
  .results-grid { grid-template-columns: 1fr; }
  .journal-grid { grid-template-columns: 1fr; }
  .advisor-inner { grid-template-columns: 1fr; text-align: center; }
  .contact-inner { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; }
  .chat-window { width: calc(100vw - 56px); right: 0; }
}

@media (max-width: 640px) {
  .hero { padding: 60px 20px 80px; }
  .services { padding: 64px 20px; }
  .how { padding: 64px 20px; }
  .results, .journal, .advisor-cta, .contact { padding: 64px 20px; }
  .services-grid, .how-steps { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; align-items: flex-start; }
  .hero-stats-row { gap: 20px; }
  .form-row { grid-template-columns: 1fr; }
  .contact-form { padding: 24px; }
  .footer-nav { grid-template-columns: 1fr 1fr; }
  .nav-links {
    display: none;
    position: absolute;
    top: 64px;
    left: 0;
    right: 0;
    background: white;
    flex-direction: column;
    padding: 20px 28px;
    gap: 18px;
    border-bottom: 1px solid var(--border);
    box-shadow: 0 8px 24px var(--shadow);
  }
  .nav-links.open { display: flex; }
  .nav-toggle { display: flex; }
  .nav-links .btn-nav { display: inline-flex; }
}