/* ============================================
   Marsh Asset Management - Design System
   Version: 3.0.0 — Pixel-perfect match v2
   ============================================ */

/* --- CSS Reset --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body { font-family: 'Proxima Nova', 'Helvetica Neue', Arial, sans-serif; color: #333; line-height: 1.6; background: #fff; -webkit-font-smoothing: antialiased; }
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul, ol { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* --- CSS Variables --- */
:root {
  --color-navy: #003359;
  --color-utility-bg: #003359;
  --color-hero-bg: #365C77;
  --color-help-bg: #003359;
  --color-navy-light: #004B7D;
  --color-navy-dark: #001A33;
  --color-green: #3F6A46;
  --color-green-dark: #2D5035;
  --color-green-light: #4A7D52;
  --color-teal: #B1E4E1;
  --color-teal-light: #D0F0EE;
  --color-gold: #C8A258;
  --color-yellow: #FFB81C;
  --color-card-bg: #E8EDF2;
  --color-white: #FFFFFF;
  --color-off-white: #F7F7F7;
  --color-gray: #666666;
  --color-gray-light: #D5D5D5;
  --color-text: #333333;
  --color-text-light: #555555;
  --font-heading: 'Suez One', Georgia, serif;
  --font-body: 'Proxima Nova', 'Helvetica Neue', Arial, sans-serif;
  --max-width: 1200px;
  --transition: 0.3s ease;
}

@import url('https://fonts.googleapis.com/css2?family=Suez+One&display=swap');

/* --- Typography --- */
h1, h2, h3, h4, h5 { font-family: var(--font-heading); color: var(--color-navy); line-height: 1.3; font-weight: 400; }
h1 { font-size: clamp(1.6rem, 3vw, 2.2rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.4rem); }
h3 { font-size: clamp(1.1rem, 2vw, 1.45rem); }
h6 {
  font-size: 0.82rem;
  font-family: var(--font-body);
  font-weight: 700;
  color: var(--color-navy);
  text-transform: uppercase;
  letter-spacing: 1.2px;
  line-height: 1.5;
}
p { margin-bottom: 1rem; color: var(--color-text-light); line-height: 1.75; font-size: 0.92rem; }
strong { color: var(--color-text); }
.text-center { text-align: center; }
.text-white { color: var(--color-white); }

/* --- Layout --- */
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 40px; }
.section { padding: 70px 0; position: relative; }
.section--navy { background-color: var(--color-help-bg); }
.section--navy h2, .section--navy h3, .section--navy h6 { color: var(--color-white); }
.section--navy p { color: rgba(255,255,255,0.85); }
.section--green { background-color: var(--color-green); }
.section--green h2, .section--green h3 { color: var(--color-white); }
.section--light { background-color: var(--color-off-white); }

/* --- Buttons --- */
.btn {
  display: inline-block;
  padding: 12px 28px;
  font-size: 0.82rem;
  font-weight: 700;
  border-radius: 0;
  transition: all var(--transition);
  text-align: center;
  letter-spacing: 0.3px;
  border: 2px solid transparent;
  cursor: pointer;
}
.btn--green {
  background: var(--color-green);
  color: var(--color-white);
  border-color: var(--color-green);
}
.btn--green:hover {
  background: var(--color-green-dark);
  border-color: var(--color-green-dark);
}
.btn--yellow {
  background: var(--color-yellow);
  color: var(--color-navy);
  border-color: var(--color-yellow);
}
.btn--yellow:hover {
  background: #E5A318;
  border-color: #E5A318;
}
.btn--contact {
  background: var(--color-yellow);
  color: var(--color-navy);
  border-color: var(--color-yellow);
  border-radius: 0;
  padding: 7px 24px;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 1px;
}
.btn--contact:hover {
  background: #E5A318;
  border-color: #E5A318;
}
.btn--outline {
  background: transparent;
  color: var(--color-green);
  border: 2px solid var(--color-green);
}
.btn--outline:hover {
  background: var(--color-green);
  color: var(--color-white);
}
.btn--outline-navy {
  background: transparent;
  color: var(--color-navy);
  border: 1px solid var(--color-navy);
  font-weight: 500;
  border-radius: 0;
}
.btn--outline-navy:hover {
  background: var(--color-navy);
  color: var(--color-white);
}
.btn--white {
  background: var(--color-white);
  color: var(--color-navy);
  border-color: var(--color-white);
}
.btn--white:hover {
  background: var(--color-teal-light);
  border-color: var(--color-teal-light);
}
.btn--outline-white {
  background: transparent;
  color: var(--color-white);
  border: 2px solid var(--color-white);
}
.btn--outline-white:hover {
  background: var(--color-white);
  color: var(--color-navy);
}

/* ============================
   HEADER — 2 ROW LAYOUT
   ============================ */
.header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--color-white);
  box-shadow: 0 1px 6px rgba(0,0,0,0.08);
}

/* Utility bar (top row) */
.header__utility {
  background: var(--color-utility-bg);
}
.header__utility-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 6px 24px;
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 16px;
}
.header__schwab-link {
  font-size: 0.78rem;
  color: var(--color-white);
  font-weight: 500;
  transition: color var(--transition);
}
.header__schwab-link:hover { color: var(--color-teal); }

/* Main nav row (bottom row) */
.header__main {
  background: var(--color-white);
}
.header__main-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  height: 68px;
  gap: 24px;
}
.header__logo img { height: 44px; width: auto; }
.header__nav {
  display: flex;
  align-items: center;
  gap: 0;
  flex: 1;
  justify-content: flex-end;
}
.header__actions-mobile { display: none; }

/* Nav items */
.nav-item { position: relative; }
.nav-item > a, .nav-item > span {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 8px 20px;
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--color-navy);
  transition: color var(--transition);
  cursor: pointer;
  white-space: nowrap;
}
.nav-item > a:hover, .nav-item > span:hover { color: var(--color-green); }
.nav-item .arrow {
  display: none;
}
@media (max-width: 768px) {
  .nav-item .arrow {
    display: inline-block;
    width: 6px; height: 6px;
    border-right: 1.5px solid currentColor;
    border-bottom: 1.5px solid currentColor;
    transform: rotate(45deg);
    transition: transform var(--transition);
    margin-top: -2px;
  }
  .nav-item:hover .arrow { transform: rotate(-135deg); }
}

/* Dropdowns */
.dropdown {
  position: absolute;
  top: calc(100% + 4px);
  left: 0;
  min-width: 210px;
  background: var(--color-white);
  border-radius: 4px;
  box-shadow: 0 6px 24px rgba(0,0,0,0.12);
  opacity: 0;
  visibility: hidden;
  transform: translateY(6px);
  transition: all var(--transition);
  padding: 6px 0;
  z-index: 100;
}
.nav-item:hover .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown a {
  display: block;
  padding: 8px 18px;
  font-size: 0.84rem;
  color: var(--color-text);
  transition: all var(--transition);
}
.dropdown a:hover { background: var(--color-off-white); color: var(--color-green); }

/* Mobile toggle */
.menu-toggle { display: none; flex-direction: column; gap: 5px; padding: 8px; }
.menu-toggle span { display: block; width: 22px; height: 2px; background: var(--color-navy); transition: all var(--transition); }
.menu-toggle.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.menu-toggle.active span:nth-child(2) { opacity: 0; }
.menu-toggle.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* ============================
   HERO — Full-bleed image + overlaid textbox
   ============================ */
.hero {
  position: relative;
  min-height: 480px;
  display: flex;
  align-items: stretch;
}
.hero__bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}
.hero__bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: right center;
}
.hero > .container {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  padding-top: 30px;
  padding-bottom: 30px;
}
.hero__textbox {
  background: var(--color-hero-bg);
  border-radius: 0;
  max-width: 50%;
  padding: 44px 38px;
}
.hero__textbox h1 {
  color: var(--color-white);
  margin-bottom: 18px;
  font-size: clamp(1.5rem, 2.6vw, 2rem);
  line-height: 1.3;
}
.hero__subtitle {
  color: var(--color-white);
  font-size: 0.95rem;
  font-weight: 700;
  margin-bottom: 16px;
  line-height: 1.5;
}
.hero__textbox p {
  color: rgba(255,255,255,0.82);
  font-size: 0.86rem;
  line-height: 1.65;
  margin-bottom: 14px;
}
.hero__tagline {
  font-weight: 700 !important;
  color: var(--color-white) !important;
  font-size: 0.92rem !important;
  margin-bottom: 0 !important;
}

/* ============================
   CONTENT SECTIONS
   ============================ */

/* --- Split layout --- */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
  align-items: start;
}
.split__text h6 { margin-bottom: 10px; }
.split__text h2 { margin-bottom: 12px; }
.split__text h3 { margin-bottom: 12px; }
.split__text p { margin-bottom: 14px; }

/* --- Fiduciary h6 as italic serif green --- */
.heading-serif-green {
  font-family: var(--font-heading);
  font-weight: 400;
  font-style: italic;
  color: var(--color-green);
  text-transform: none;
  letter-spacing: 0;
  font-size: 1rem;
  margin-bottom: 8px;
}

/* --- Separator --- */
.separator { width: 50px; height: 3px; background: var(--color-green); margin: 10px 0; }
.separator--center { margin: 10px auto; }
.separator--teal { background: var(--color-teal); }
.separator--white { background: var(--color-white); }
.separator--navy { background: var(--color-navy); width: 60px; }

/* ============================
   WHY MARSH SECTION (Overlapping Layout)
   ============================ */
.why-marsh-section {
  position: relative;
  background-color: var(--color-help-bg);
  padding: 80px 0;
  overflow: hidden;
}
.why-marsh__bg-light {
  position: absolute;
  top: 50px;
  bottom: 50px;
  left: 0;
  width: 62%;
  background-color: #F0F3F5;
  z-index: 1;
}
.relative-z {
  position: relative;
  z-index: 2;
}
.why-marsh-split {
  display: grid;
  grid-template-columns: 55% 45%;
  gap: 0;
  align-items: center;
}
.why-marsh__text {
  padding-right: 50px;
}
.why-marsh-split .testimonial-card {
  box-shadow: -10px 20px 40px rgba(0,0,0,0.15);
  margin-left: -40px; /* pull it left over the boundary */
  z-index: 3;
}

/* ============================
   TESTIMONIAL CARD
   ============================ */
.testimonial-card {
  background: var(--color-navy);
  border-radius: 0;
  padding: 28px 24px;
  position: relative;
}
.testimonial-card__text {
  color: rgba(255,255,255,0.88);
  font-size: 0.88rem;
  line-height: 1.7;
  margin-bottom: 14px;
  font-style: italic;
}
.testimonial-card__author {
  color: var(--color-white);
  font-family: var(--font-heading);
  font-size: 0.92rem;
}
.testimonial-card__note {
  color: rgba(255,255,255,0.5);
  font-size: 0.75rem;
  margin-top: 4px;
}
/* Light variant for inline testimonials (Why Marsh section) */
.testimonial-card--light {
  background: #DCECDD;
}
.testimonial-card--light .quote-icon { fill: var(--color-navy); }
.testimonial-card--light .testimonial-card__text {
  color: var(--color-text);
  font-style: normal;
}
.testimonial-card--light .testimonial-card__author {
  color: var(--color-navy);
}
.testimonial-card--light .testimonial-card__note {
  color: var(--color-gray);
  border-top: 1px solid var(--color-gray-light);
  padding-top: 8px;
  margin-top: 8px;
}
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

/* Quote SVG */
.quote-icon {
  width: 32px; height: 32px;
  fill: var(--color-teal);
  margin-bottom: 12px;
}

/* ============================
   CTA BANNER
   ============================ */
.cta-banner { text-align: center; padding: 40px 24px; }
.cta-banner h3 { margin-bottom: 8px; }

/* ============================
   SERVICE CARDS
   ============================ */
.service-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
}
.service-card {
  border-radius: 0;
  padding: 80px 40px 60px;
  text-align: center;
}
.service-card:nth-child(1) { background: #DCECDD; }
.service-card:nth-child(2) { background: #ABC9DF; }
.service-card__image {
  width: 110px;
  height: 110px;
  border-radius: 50%;
  overflow: hidden;
  margin: 0 auto 24px;
  border: 3px solid var(--color-teal);
}
.service-card__image img { width: 100%; height: 100%; object-fit: cover; }
.service-card h3 { margin-bottom: 12px; font-size: 1.15rem; }
.service-card p { font-size: 0.88rem; max-width: 380px; margin: 0 auto 10px; }

/* ============================
   CPA / CFP SECTION — Overlapping layout
   ============================ */
.cpa-section {
  position: relative;
  background-image: url('../images/office.jpg');
  background-size: cover;
  background-position: center;
  background-attachment: fixed;
  padding: 80px 0;
  overflow: hidden;
}
.cpa-section__container {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 45% 1fr;
  gap: 0;
  align-items: center;
}
.cpa-section__photo {
  position: relative;
  max-width: 420px;
  margin: 0 auto;
  z-index: 3;
}
.cpa-section__photo img {
  width: 100%;
  height: auto;
  aspect-ratio: 1;
  border-radius: 50%;
  object-fit: cover;
  display: block;
  box-shadow: 20px 20px 50px rgba(0,0,0,0.25);
  transform: translateX(60px); /* Overlap boundary */
}
.cpa-section__content {
  background-color: rgba(255, 255, 255, 0.96);
  padding: 50px 50px 50px 100px;
  box-shadow: 0 10px 40px rgba(0,0,0,0.15);
  z-index: 2;
}

/* ============================
   BLOG CARDS
   ============================ */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.blog-card {
  border: 1px solid var(--color-gray-light);
  border-radius: 4px;
  overflow: hidden;
  transition: transform var(--transition), box-shadow var(--transition);
}
.blog-card:hover { transform: translateY(-3px); box-shadow: 0 6px 20px rgba(0,0,0,0.1); }
.blog-card__image { height: 180px; overflow: hidden; }
.blog-card__image img { width: 100%; height: 100%; object-fit: cover; }
.blog-card__content { padding: 18px; }
.blog-card__title {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  color: var(--color-navy);
  line-height: 1.35;
  font-weight: 400;
}

/* ============================
   HOW CAN WE HELP (buttons)
   ============================ */
.help-buttons {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: center;
  margin-top: 28px;
}

/* ============================
   IMAGE SECTION (testimonials bg)
   ============================ */
.image-section { position: relative; min-height: 460px; display: flex; align-items: center; padding: 70px 0; }
.image-section__bg { position: absolute; inset: 0; }
.image-section__bg img { width: 100%; height: 100%; object-fit: cover; }
.image-section__overlay { position: absolute; inset: 0; background: rgba(0,27,48,0.65); }
.image-section__content { position: relative; z-index: 1; }

/* ============================
   FAQ ACCORDION
   ============================ */
.accordion-item { border-bottom: 1px solid var(--color-gray-light); }
.accordion-header {
  display: flex; justify-content: space-between; align-items: center;
  padding: 16px 0; cursor: pointer;
  font-size: 0.95rem; font-weight: 600; color: var(--color-navy);
}
.accordion-header::after {
  content: '+'; font-size: 1.3rem; color: var(--color-green);
  transition: transform var(--transition);
}
.accordion-item.active .accordion-header::after { content: '−'; }
.accordion-body { max-height: 0; overflow: hidden; transition: max-height 0.4s ease; }
.accordion-body__inner { padding: 0 0 16px; }

/* ============================
   CONTACT FORM
   ============================ */
.form-group { margin-bottom: 16px; }
.form-group label { display: block; margin-bottom: 5px; font-weight: 600; font-size: 0.86rem; color: var(--color-navy); }
.form-group input, .form-group textarea, .form-group select {
  width: 100%; padding: 10px 14px;
  border: 1px solid var(--color-gray-light);
  border-radius: 3px; font-size: 0.92rem;
  font-family: var(--font-body);
  transition: border-color var(--transition);
}
.form-group input:focus, .form-group textarea:focus {
  outline: none; border-color: var(--color-green);
  box-shadow: 0 0 0 3px rgba(63,106,70,0.1);
}
.form-group textarea { min-height: 100px; resize: vertical; }

/* ============================
   FOOTER
   ============================ */
.footer {
  background: var(--color-navy);
  color: rgba(255,255,255,0.75);
  padding: 45px 0 20px;
  font-size: 0.86rem;
}
.footer h6 { color: var(--color-teal); margin-bottom: 10px; font-size: 0.78rem; }
.footer a { color: var(--color-teal); transition: color var(--transition); }
.footer a:hover { color: var(--color-white); }
.footer p { font-size: 0.86rem; margin-bottom: 5px; }
.footer__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 36px;
  margin-bottom: 28px;
}
.footer__logo { margin-bottom: 12px; }
.footer__logo img { height: auto; max-width: 280px; }
.footer__separator { border: none; border-top: 1px solid rgba(255,255,255,0.12); margin: 20px 0; }
.footer__bottom { }
.footer__disclaimer { font-size: 0.7rem; color: rgba(255,255,255,0.4); max-width: 700px; line-height: 1.5; }
.footer__social { display: flex; gap: 14px; }
.footer__copyright { font-size: 0.8rem; margin-top: 14px; color: rgba(255,255,255,0.6); }

/* ============================
   PAGE HEADER (inner pages)
   ============================ */
.page-header {
  background: var(--color-navy);
  padding: 60px 0 45px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-header::before {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-light) 100%);
}
.page-header__content { position: relative; z-index: 1; }
.page-header h1 { color: var(--color-white); margin-bottom: 8px; }
.page-header p { color: var(--color-teal); font-size: 0.95rem; max-width: 500px; margin: 0 auto; }

/* Split image helpers */
.split__image { border-radius: 6px; overflow: hidden; }
.split__image img { width: 100%; height: 100%; object-fit: cover; }

/* ============================
   ANIMATIONS
   ============================ */
.fade-in { opacity: 0; transform: translateY(14px); transition: opacity 0.6s ease, transform 0.6s ease; }
.fade-in.visible { opacity: 1; transform: translateY(0); }

/* ============================
   RESPONSIVE
   ============================ */
@media (max-width: 1024px) {
  .container { padding: 0 24px; }
  .hero { min-height: 380px; }
  .hero__textbox { padding: 30px 28px; max-width: 55%; }
  .hero__textbox h1 { font-size: 1.3rem; }
  .why-marsh-split { grid-template-columns: 1fr; gap: 40px; }
  .why-marsh__bg-light { width: 100%; }
  .why-marsh__text { padding-right: 0; }
  .why-marsh-split .testimonial-card { margin-left: 0; }
  .cpa-section__container { grid-template-columns: 1fr; gap: 30px; }
  .cpa-section__photo img { transform: none; box-shadow: none; max-width: 300px; margin: 0 auto; }
  .cpa-section__content { padding: 40px; }
}

@media (max-width: 768px) {
  /* Header mobile — collapse to single row */
  .header__utility { display: none; }
  .header__main-inner { height: 52px; }
  .header__nav {
    display: none;
    position: fixed;
    top: 52px;
    left: 0; right: 0;
    background: var(--color-white);
    flex-direction: column;
    padding: 16px 24px;
    box-shadow: 0 8px 24px rgba(0,0,0,0.1);
    align-items: stretch;
    max-height: calc(100vh - 52px);
    overflow-y: auto;
    z-index: 100;
  }
  .header__nav.active { display: flex; }
  .header__actions-mobile { display: flex; gap: 8px; align-items: center; }
  .menu-toggle { display: flex; }
  .nav-item > a, .nav-item > span { padding: 10px 0; font-size: 0.9rem; }
  .dropdown { position: static; box-shadow: none; opacity: 1; visibility: visible; transform: none; padding-left: 16px; display: none; }
  .nav-item.open .dropdown { display: block; }

  /* Hero mobile — stack */
  .hero { min-height: 320px; }
  .hero__textbox { max-width: 100%; padding: 28px 24px; border-radius: 0; }
  .hero__textbox h1 { font-size: 1.4rem; }
  /* Push the hero textbox down so the hero background image is visible at the top */
  .hero > .container { padding-top: 220px; padding-bottom: 0px; }

  /* Layouts */
  .split { grid-template-columns: 1fr; gap: 28px; }
  .service-cards { grid-template-columns: 1fr; gap: 4px; }
  .blog-grid { grid-template-columns: 1fr; gap: 20px; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr; }
  .help-buttons { flex-direction: column; align-items: center; }

  /* CPA section mobile */
  .cpa-section__content { padding: 30px 24px; }

  .section { padding: 45px 0; }
}

@media (max-width: 480px) {
  .hero__textbox { padding: 22px 18px; }
  .hero__textbox h1 { font-size: 1.2rem; }
  h2 { font-size: 1.3rem; }
  .btn { padding: 10px 20px; font-size: 0.8rem; }
}

/* ============================================================
   SHARED PAGE COMPONENTS — Added 20260426e
   ============================================================ */

/* --- Service rows (alternating dark bg image+text) --- */
.svc-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 320px;
}
.svc-row__img {
  background-size: cover;
  background-position: center;
  min-height: 260px;
}
.svc-row__text {
  padding: 50px 52px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  color: #fff;
}
.svc-row__text h2 { color: #fff; font-size: 1.5rem; margin-bottom: 16px; }
.svc-row__text p  { font-size: 0.9rem; line-height: 1.7; opacity: 0.92; margin-bottom: 12px; }
.svc-row__text ul { font-size: 0.9rem; line-height: 1.7; opacity: 0.92; padding-left: 20px; }
.svc-row--navy   { background: var(--color-navy); }
.svc-row--green  { background: #2a4a2a; }
.svc-row--olive  { background: #3b4a2f; }
.svc-row--teal   { background: #1e3d3d; }
.svc-row--rev .svc-row__img { order: 2; }
.svc-row--rev .svc-row__text { order: 1; }

/* --- Floating panel (Why Marsh style) --- */
.float-split {
  position: relative;
  min-height: 600px;
  background-size: cover;
  background-position: center;
}
.float-split__panel {
  position: absolute;
  right: 5%;
  top: 5%;
  bottom: 5%;
  width: 50%;
  background: #fff;
  padding: 40px 44px;
  overflow-y: auto;
  box-shadow: 0 8px 40px rgba(0,0,0,0.12);
}
.float-split__panel--left {
  right: auto;
  left: 5%;
}
.float-split__panel h2 { font-size: 1.6rem; margin-bottom: 24px; color: var(--color-navy); }
.float-split__panel h3 { font-size: 1.05rem; color: #2d6a2d; margin: 24px 0 8px; }
.float-split__panel p  { font-size: 0.875rem; line-height: 1.7; color: #333; margin-bottom: 10px; }

/* --- Bucket grid (Money Cycle) --- */
.bucket-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  text-align: center;
  padding: 48px 0 24px;
}
.bucket-grid__item img { height: 100px; width: auto; margin-bottom: 16px; }
.bucket-grid__item h3  { font-size: 1rem; color: var(--color-navy); margin-bottom: 10px; }
.bucket-grid__item p   { font-size: 0.85rem; line-height: 1.7; color: #444; }

/* --- Accordion FAQ --- */
.accordion { border: 1px solid #ddd; border-radius: 4px; overflow: hidden; }
.accordion__item { border-bottom: 1px solid #ddd; }
.accordion__item:last-child { border-bottom: none; }
.accordion__header {
  width: 100%;
  text-align: left;
  background: #fff;
  border: none;
  padding: 18px 20px;
  font-size: 0.9rem;
  color: #222;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-family: var(--font-sans);
}
.accordion__header:hover { background: #f7f7f7; }
.accordion__icon { font-size: 1.1rem; color: #666; transition: transform 0.3s; }
.accordion__item.open .accordion__icon { transform: rotate(45deg); }
.accordion__body {
  display: none;
  padding: 0 20px 18px;
  font-size: 0.875rem;
  line-height: 1.7;
  color: #444;
}
.accordion__item.open .accordion__body { display: block; }

/* --- Blog card grid --- */
.blog-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.blog-card { background: #fff; border-radius: 6px; overflow: hidden; box-shadow: 0 2px 12px rgba(0,0,0,0.07); }
.blog-card__img { width: 100%; height: 180px; object-fit: cover; }
.blog-card__body { padding: 20px; }
.blog-card__meta { font-size: 0.75rem; color: #888; margin-bottom: 8px; }
.blog-card__title { font-size: 0.95rem; font-weight: bold; color: var(--color-navy); margin-bottom: 10px; }
.blog-card__excerpt { font-size: 0.82rem; color: #555; line-height: 1.6; }

/* --- Parallax section --- */
.parallax-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 440px;
}
.parallax-img {
  background-size: cover;
  background-position: center;
  background-attachment: fixed;
  min-height: 400px;
}
.parallax-text {
  padding: 52px 56px;
  background: var(--color-navy);
  color: #fff;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.parallax-text h2 { color: #c8a96e; font-size: 1.45rem; margin-bottom: 16px; }
.parallax-text p  { font-size: 0.9rem; line-height: 1.75; opacity: 0.92; margin-bottom: 12px; }
.parallax-text ul { font-size: 0.9rem; line-height: 1.75; opacity: 0.92; padding-left: 20px; }

/* --- Donut chart (Retirement Confidence) --- */
.donuts-wrap {
  display: flex;
  gap: 60px;
  justify-content: center;
  align-items: center;
  padding: 48px 0;
}
.donut {
  position: relative;
  width: 180px;
  height: 180px;
}
.donut svg { transform: rotate(-90deg); }
.donut__track { fill: none; stroke: #e8e8e8; stroke-width: 18; }
.donut__fill  { fill: none; stroke-width: 18; stroke-linecap: round; transition: stroke-dashoffset 1.4s ease; }
.donut--blue .donut__fill  { stroke: var(--color-navy); }
.donut--green .donut__fill { stroke: #2d6a2d; }
.donut__label {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
}
.donut__pct   { font-size: 2rem; font-weight: 700; color: var(--color-navy); }
.donut__desc  { font-size: 0.72rem; line-height: 1.3; color: #555; max-width: 110px; }

/* --- CTA how-can-we-help teal block --- */
.help-teal {
  background: #1e4d4d;
  color: #fff;
  padding: 60px 0;
}
.help-teal__inner {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 60px;
  align-items: center;
  max-width: 960px;
  margin: 0 auto;
  padding: 0 32px;
}
.help-teal__title { font-family: var(--font-serif); font-size: 2.2rem; color: #fff; line-height: 1.2; }
.help-teal__title em { font-style: italic; }
.help-teal__blocks { display: flex; flex-direction: column; gap: 16px; }
.help-teal__block {
  background: rgba(0,0,0,0.25);
  border-radius: 6px;
  padding: 20px 24px;
  display: flex;
  align-items: flex-start;
  gap: 16px;
}
.help-teal__block-icon { font-size: 1.4rem; flex-shrink: 0; color: #c8a96e; margin-top: 2px; }
.help-teal__block p { font-size: 0.85rem; line-height: 1.6; margin-bottom: 12px; }

/* --- Dark quote section --- */
.quote-section {
  background: var(--color-navy);
  color: #fff;
  padding: 70px 32px;
  text-align: center;
  position: relative;
}
.quote-section::before,
.quote-section::after {
  content: '\201C';
  font-size: 8rem;
  color: #c8a96e;
  opacity: 0.4;
  position: absolute;
  line-height: 1;
  font-family: Georgia, serif;
}
.quote-section::before { top: 10px; left: 40px; }
.quote-section::after  { content: '\201D'; bottom: -20px; right: 40px; }
.quote-section blockquote { font-size: 1.05rem; line-height: 1.75; max-width: 800px; margin: 0 auto 24px; font-style: italic; }
.quote-section cite { font-size: 0.85rem; opacity: 0.8; font-style: normal; }

/* --- Lead magnet split --- */
.lead-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  padding: 60px 0;
}
.lead-split__book img { max-width: 100%; border-radius: 8px; box-shadow: 0 12px 40px rgba(0,0,0,0.18); }

/* --- Dark how section --- */
.dark-how {
  background-size: cover;
  background-position: center;
  position: relative;
  padding: 80px 0;
}
.dark-how::before {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(10, 30, 50, 0.80);
}
.dark-how__inner {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  max-width: 1060px;
  margin: 0 auto;
  padding: 0 32px;
  color: #fff;
}
.dark-how__title { font-family: var(--font-serif); font-size: 2.4rem; color: #fff; }
.dark-how__text p { font-size: 0.92rem; line-height: 1.75; opacity: 0.9; margin-bottom: 16px; }

/* --- Fee table --- */
.fee-table {
  width: 100%;
  border-collapse: collapse;
  margin: 20px 0;
  font-size: 0.875rem;
}
.fee-table th { text-align: left; padding: 10px 12px; background: var(--color-navy); color: #fff; }
.fee-table td { padding: 10px 12px; border-bottom: 1px solid #e0e0e0; color: #333; }
.fee-table tr:nth-child(even) td { background: #f5f7fa; }

/* --- Responsive additions --- */
@media (max-width: 768px) {
  .svc-row { grid-template-columns: 1fr; }
  .svc-row--rev .svc-row__img { order: 0; }
  .svc-row--rev .svc-row__text { order: 1; }
  .float-split__panel { position: static; width: 100%; top: auto; bottom: auto; right: auto; }
  .float-split { min-height: auto; background: #f5f5f5; }
  .bucket-grid { grid-template-columns: 1fr; gap: 24px; }
  .blog-cards { grid-template-columns: 1fr; }
  .parallax-wrap { grid-template-columns: 1fr; }
  .parallax-img { background-attachment: scroll; min-height: 250px; }
  .donuts-wrap { flex-direction: column; gap: 32px; }
  .help-teal__inner { grid-template-columns: 1fr; gap: 32px; }
  .dark-how__inner { grid-template-columns: 1fr; }
  .lead-split { grid-template-columns: 1fr; }
}

/* Footer Container override */
.footer-container { max-width: 1000px; }

/* Generic Grid Utilities */
.grid { display: grid; gap: 24px; }
.grid--2 { grid-template-columns: 1fr 1fr; }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }

@media (max-width: 768px) {
  .grid--2, .grid--3, .grid--4 { grid-template-columns: 1fr; }
}