/* ==========================================================================
   WEALTH FUTURIST — Premium Design System v2.0
   Ultra-Modern Financial Luxury Interface
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Instrument+Serif:ital@0;1&family=Manrope:wght@300;400;500;600;700;800&display=swap');

/* ─── Design Tokens ─── */
:root {
  --bg-cream: #FAF7F1;
  --bg-warm: #F7F4EE;
  --bg-warm-alt: #F1EBDE;
  --bg-navy: #16233A;
  --bg-navy-deep: #0F1826;
  --bg-navy-mid: #1D2E4A;
  --bg-navy-light: #233450;

  --gold: #E3B25C;
  --gold-dark: #C9922F;
  --gold-hover: #F0CE8C;
  --gold-muted: #9A8B63;
  --gold-glow: rgba(227, 178, 92, 0.15);
  --gold-glow-strong: rgba(227, 178, 92, 0.35);

  --text-primary: #1B2333;
  --text-navy: #16233A;
  --text-muted: #5B6472;
  --text-subtle: #8D97A8;
  --text-light: #F7F4EE;
  --text-light-muted: #B7C0D1;
  --text-light-dim: #7C8AA0;
  --text-footer-dim: #6E7889;

  --border-light: rgba(27, 35, 51, 0.08);
  --border-light-hover: rgba(27, 35, 51, 0.18);
  --border-dark: rgba(255, 255, 255, 0.08);
  --border-dark-subtle: rgba(247, 244, 238, 0.12);
  --border-gold: rgba(227, 178, 92, 0.28);

  --font-serif: 'Instrument Serif', Georgia, serif;
  --font-sans: 'Manrope', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --ease-out-expo: cubic-bezier(0.16, 1, 0.3, 1);
  --ease-out-quart: cubic-bezier(0.25, 1, 0.5, 1);
  --ease-smooth: cubic-bezier(0.45, 0, 0.15, 1);

  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 20px;
  --radius-xl: 24px;
  --radius-pill: 100px;
}

/* ─── Reset ─── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; }

body {
  margin: 0;
  background: var(--bg-cream);
  color: var(--text-primary);
  font-family: var(--font-sans);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  line-height: 1.5;
  overflow-x: hidden;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; height: auto; display: block; }
button { font-family: inherit; cursor: pointer; }
::selection { background: var(--gold); color: var(--text-navy); }

/* Custom Scrollbar */
::-webkit-scrollbar { width: 8px; }
::-webkit-scrollbar-track { background: var(--bg-navy-deep); }
::-webkit-scrollbar-thumb {
  background: var(--gold-dark);
  border-radius: 4px;
}
::-webkit-scrollbar-thumb:hover { background: var(--gold); }

/* ─── Noise Texture Overlay ─── */
body::before {
  content: '';
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: 9999;
  opacity: 0.025;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
  background-repeat: repeat;
  background-size: 128px 128px;
}

/* ─── Page Loader ─── */
.page-loader {
  position: fixed;
  inset: 0;
  z-index: 10000;
  background: var(--bg-navy-deep);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: opacity 0.6s var(--ease-out-expo), visibility 0.6s;
}

.page-loader.loaded {
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
}

.loader-brand {
  font-family: var(--font-serif);
  font-size: 32px;
  color: var(--text-light);
  letter-spacing: 2px;
  opacity: 0;
  transform: translateY(20px);
  animation: loaderReveal 0.8s var(--ease-out-expo) 0.2s forwards;
}

.loader-brand span { color: var(--gold); }

.loader-bar {
  position: absolute;
  bottom: 0;
  left: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-hover));
  animation: loaderBar 1.5s var(--ease-smooth) forwards;
}

@keyframes loaderReveal { to { opacity: 1; transform: translateY(0); } }
@keyframes loaderBar { from { width: 0; } to { width: 100%; } }

/* ─── Navigation ─── */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 28px 60px;
  transition: all 0.4s var(--ease-out-expo);
}

.navbar.scrolled {
  padding: 16px 60px;
  background: rgba(15, 24, 38, 0.85);
  backdrop-filter: blur(20px) saturate(180%);
  -webkit-backdrop-filter: blur(20px) saturate(180%);
  border-bottom: 1px solid var(--border-dark);
}

.navbar.nav-solid {
  position: sticky;
  padding: 18px 60px;
  background: rgba(15, 24, 38, 0.95);
  backdrop-filter: blur(20px) saturate(180%);
  -webkit-backdrop-filter: blur(20px) saturate(180%);
  border-bottom: 1px solid var(--border-dark);
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: 12px;
}

.brand-logo img {
  height: 40px;
  width: auto;
  border-radius: 9px;
}

.brand-name {
  font-family: var(--font-serif);
  font-size: 22px;
  letter-spacing: 0.5px;
  color: var(--text-light);
}

.brand-name span { color: var(--gold); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 36px;
}

.nav-link {
  font-size: 14px;
  font-weight: 600;
  color: var(--text-light);
  position: relative;
  transition: color 0.25s;
}

.nav-link::after {
  content: '';
  position: absolute;
  left: 0;
  right: 100%;
  bottom: -6px;
  height: 2px;
  background: var(--gold);
  transition: right 0.3s var(--ease-out-expo);
}

.nav-link:hover::after,
.nav-link.active::after { right: 0; }
.nav-link.active { color: var(--gold); }

.btn-nav-cta {
  padding: 11px 26px;
  background: var(--gold);
  color: var(--text-navy);
  border-radius: var(--radius-pill);
  font-size: 14px;
  font-weight: 700;
  transition: all 0.3s var(--ease-out-expo);
  border: none;
}

.btn-nav-cta:hover {
  background: var(--gold-hover);
  transform: translateY(-1px);
  box-shadow: 0 8px 24px rgba(227, 178, 92, 0.3);
}

.mobile-toggle {
  display: none;
  background: none;
  border: none;
  color: var(--text-light);
  font-size: 28px;
  padding: 4px 8px;
  line-height: 1;
}

/* ─── Common Section Utilities ─── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

.section-label {
  font-size: 12px;
  letter-spacing: 3.5px;
  font-weight: 700;
  text-transform: uppercase;
  display: inline-flex;
  align-items: center;
  gap: 10px;
}

.section-label::before {
  content: '';
  width: 28px;
  height: 1px;
  background: currentColor;
}

.section-label--gold { color: var(--gold); }
.section-label--dark { color: var(--gold-dark); }

.section-heading {
  font-family: var(--font-serif);
  font-weight: 400;
  line-height: 1.1;
  margin: 0;
}

/* ─── Hero ─── */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  background: radial-gradient(120% 100% at 15% 0%, #1D2E4A 0%, #141F33 45%, #0F1826 100%);
  padding: 160px 60px 120px;
  overflow: hidden;
}

.hero__radial {
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 85% 20%, rgba(227, 178, 92, 0.14), transparent 50%);
  pointer-events: none;
}

.hero__grid {
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(227, 178, 92, 0.08) 1px, transparent 1px);
  background-size: 28px 28px;
  opacity: 0.5;
  pointer-events: none;
}

.hero__floating-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  pointer-events: none;
  opacity: 0.12;
}

.hero__floating-orb--1 {
  width: 500px; height: 500px;
  background: var(--gold);
  top: -100px; right: -100px;
  animation: orbFloat 12s ease-in-out infinite alternate;
}

.hero__floating-orb--2 {
  width: 350px; height: 350px;
  background: #4A7BFF;
  bottom: -80px; left: 10%;
  animation: orbFloat 15s ease-in-out 3s infinite alternate-reverse;
}

@keyframes orbFloat {
  from { transform: translate(0, 0) scale(1); }
  to { transform: translate(40px, -30px) scale(1.15); }
}

.hero__content {
  position: relative;
  max-width: 1200px;
  margin: 0 auto;
  width: 100%;
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: center;
  gap: 60px;
}

.hero__title {
  font-family: var(--font-serif);
  font-size: clamp(48px, 6vw, 82px);
  line-height: 1.02;
  color: var(--text-light);
  max-width: 800px;
  font-weight: 400;
}

.hero__title em {
  font-style: italic;
  color: var(--gold);
}

.hero__title .word {
  display: inline-block;
  overflow: hidden;
}

.hero__title .word-inner {
  display: inline-block;
  transform: translateY(110%);
  transition: transform 0.8s var(--ease-out-expo);
}

.hero__title .word-inner.visible {
  transform: translateY(0);
}

.hero__desc {
  font-size: 19px;
  line-height: 1.65;
  color: var(--text-light-muted);
  max-width: 540px;
  margin: 32px 0 48px;
  opacity: 0;
  transform: translateY(20px);
}

.hero__desc.visible {
  opacity: 1;
  transform: translateY(0);
  transition: all 0.8s var(--ease-out-expo) 0.4s;
}

.hero__actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  opacity: 0;
  transform: translateY(20px);
}

.hero__actions.visible {
  opacity: 1;
  transform: translateY(0);
  transition: all 0.8s var(--ease-out-expo) 0.6s;
}

/* ─── Hero Floating Widgets (Right Side) ─── */
.hero__widget-col {
  display: flex;
  flex-direction: column;
  gap: 24px;
  position: relative;
  opacity: 0;
  animation: loaderReveal 1s var(--ease-out-expo) 1.2s forwards;
}

.hero-widget-card {
  background: rgba(255, 255, 255, 0.03);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 16px;
  padding: 20px 24px;
  display: flex;
  align-items: center;
  gap: 20px;
  width: 320px;
  box-shadow: 0 20px 40px rgba(0,0,0,0.2);
  position: relative;
}

.hero-widget-card--1 {
  animation: orbFloat 6s ease-in-out infinite alternate;
}

.hero-widget-card--2 {
  margin-left: -40px;
  animation: orbFloat 8s ease-in-out 1s infinite alternate-reverse;
}

.widget-icon {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: rgba(227, 178, 92, 0.15);
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  flex-shrink: 0;
}

.widget-label {
  font-size: 13px;
  color: var(--text-light-dim);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 4px;
}

.widget-value {
  font-family: var(--font-serif);
  font-size: 24px;
  color: var(--text-light);
  line-height: 1;
}

/* Page Hero (inner pages) */
.page-hero {
  background: radial-gradient(120% 100% at 15% 0%, #1D2E4A 0%, #141F33 45%, #0F1826 100%);
  padding: 180px 60px 110px;
}

/* ─── Buttons ─── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 17px 36px;
  border-radius: var(--radius-pill);
  font-weight: 700;
  font-size: 15px;
  border: none;
  cursor: pointer;
  position: relative;
  overflow: hidden;
  transition: all 0.35s var(--ease-out-expo);
}

.btn::before {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: inherit;
  background: linear-gradient(135deg, rgba(255,255,255,0.2), transparent);
  opacity: 0;
  transition: opacity 0.3s;
}

.btn:hover::before { opacity: 1; }

.btn--primary {
  background: var(--gold);
  color: var(--text-navy);
}

.btn--primary:hover {
  transform: translateY(-3px);
  box-shadow: 0 16px 40px -8px rgba(227, 178, 92, 0.45);
}

.btn--outline {
  background: transparent;
  color: var(--text-light);
  border: 1px solid rgba(247, 244, 238, 0.25);
}

.btn--outline:hover {
  border-color: var(--gold);
  color: var(--gold);
  transform: translateY(-2px);
}

.btn--dark {
  background: var(--text-navy);
  color: var(--text-light);
}

.btn--dark:hover {
  background: var(--bg-navy-deep);
  transform: translateY(-2px);
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.3);
}

/* ─── App Download Strip ─── */
.app-strip {
  background: var(--bg-warm);
  padding: 48px 60px;
  border-bottom: 1px solid var(--border-light);
}

.app-strip__inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 24px;
}

.app-strip__title {
  font-family: var(--font-serif);
  font-size: 26px;
  color: var(--text-navy);
}

.app-strip__subtitle {
  font-size: 14px;
  color: var(--text-muted);
  margin-top: 4px;
}

.app-badges {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.app-badge {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 12px 22px;
  background: var(--text-navy);
  color: #fff;
  border-radius: 12px;
  font-size: 13px;
  font-weight: 600;
  transition: all 0.25s var(--ease-out-expo);
}

.app-badge:hover {
  background: var(--bg-navy-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(22, 35, 58, 0.2);
}

.app-badge--outline {
  background: transparent;
  border: 1px solid var(--text-navy);
  color: var(--text-navy);
}

.app-badge--outline:hover {
  background: var(--text-navy);
  color: #fff;
}

/* ─── Stacking Cards Section ─── */
.stacking-section {
  padding: 120px 0;
  position: relative;
}

.stacking-section__header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 80px;
  padding: 0 24px;
}

.stacking-cards-container {
  position: relative;
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
}

.stacking-card {
  position: sticky;
  top: 100px;
  background: var(--bg-navy-deep);
  color: var(--text-light);
  border: 1px solid rgba(255, 255, 255, 0.05);
  border-radius: var(--radius-xl);
  padding: 48px 44px;
  margin-bottom: 30px;
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 32px;
  align-items: center;
  transition: all 0.5s var(--ease-out-expo);
  will-change: transform, box-shadow;
  box-shadow: 0 10px 30px rgba(0,0,0,0.1);
  cursor: pointer;
}

.stacking-card:hover {
  box-shadow: 0 32px 80px -20px rgba(22, 35, 58, 0.4);
  transform: translateY(-8px) scale(1.02);
  border-color: rgba(227, 178, 92, 0.3);
}

.stacking-card:nth-child(1) { z-index: 1; }
.stacking-card:nth-child(2) { z-index: 2; top: 130px; }
.stacking-card:nth-child(3) { z-index: 3; top: 160px; }
.stacking-card:nth-child(4) { z-index: 4; top: 190px; }
.stacking-card:nth-child(5) { z-index: 5; top: 220px; }
.stacking-card:nth-child(6) { z-index: 6; top: 250px; }

.stacking-card__num {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255,255,255,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-serif);
  font-size: 26px;
  color: var(--gold);
  font-weight: 400;
  flex-shrink: 0;
  transition: all 0.5s var(--ease-out-expo);
}

.stacking-card:hover .stacking-card__num {
  background: var(--gold);
  color: var(--bg-navy-deep);
  transform: rotate(360deg);
}

.stacking-card__title {
  font-size: 28px;
  font-weight: 400;
  font-family: var(--font-serif);
  color: var(--text-light);
  margin-bottom: 12px;
}

.stacking-card__desc {
  font-size: 16px;
  line-height: 1.6;
  color: var(--text-light-muted);
}

.stacking-card__arrow {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 20px;
  opacity: 0;
  transform: translateX(-20px);
  transition: all 0.5s var(--ease-out-expo);
}

.stacking-card:hover .stacking-card__arrow {
  opacity: 1;
  transform: translateX(0);
  background: rgba(227, 178, 92, 0.1);
  border-color: var(--gold);
}var(--text-navy);
  margin-bottom: 10px;
}

.stacking-card__desc {
  font-size: 15px;
  line-height: 1.7;
  color: var(--text-muted);
  max-width: 600px;
}

/* ─── Split-Screen Pinned Section ─── */
.split-pin {
  position: relative;
  background: var(--bg-navy);
  color: var(--text-light);
  overflow: hidden;
}

.split-pin__grid {
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(227, 178, 92, 0.06) 1px, transparent 1px);
  background-size: 24px 24px;
  opacity: 0.5;
  pointer-events: none;
}

.split-pin__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 100vh;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 60px;
  gap: 80px;
  align-items: center;
}

.split-pin__visual {
  position: relative;
}

.split-pin__tabs {
  display: flex;
  gap: 10px;
  margin-bottom: 40px;
  flex-wrap: wrap;
}

.tab-btn {
  padding: 11px 22px;
  border-radius: var(--radius-pill);
  font-size: 13px;
  font-weight: 700;
  border: 1px solid rgba(247, 244, 238, 0.2);
  background: transparent;
  color: var(--text-light);
  transition: all 0.3s var(--ease-out-expo);
}

.tab-btn.active {
  background: var(--gold);
  color: var(--text-navy);
  border-color: var(--gold);
}

.tab-btn:hover:not(.active) {
  border-color: var(--gold-glow-strong);
  color: var(--gold);
}

.tab-panel {
  opacity: 0;
  transform: translateY(12px);
  transition: all 0.4s var(--ease-out-expo);
  display: none;
}

.tab-panel.active {
  display: block;
  opacity: 1;
  transform: translateY(0);
}

.tab-heading {
  font-family: var(--font-serif);
  font-size: 30px;
  color: var(--text-light);
  font-weight: 400;
  margin-bottom: 32px;
}

.tab-item {
  display: flex;
  gap: 16px;
  border-top: 1px solid var(--border-dark-subtle);
  padding: 22px 0;
}

.tab-item__arrow {
  font-family: var(--font-serif);
  color: var(--gold);
  font-size: 22px;
  flex-shrink: 0;
}

.tab-item__title {
  font-size: 16px;
  font-weight: 700;
  color: var(--text-light);
  margin-bottom: 6px;
}

.tab-item__desc {
  font-size: 14px;
  line-height: 1.65;
  color: var(--text-light-dim);
}

.split-pin__image {
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 4/3;
  background: repeating-linear-gradient(135deg, #1D2E4A, #1D2E4A 12px, #223757 12px, #223757 24px);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-light-dim);
  font-family: monospace;
  font-size: 12px;
  letter-spacing: 1px;
}

/* ─── Goals Bento Grid ─── */
.goals-section {
  padding: 120px 60px;
  max-width: 1200px;
  margin: 0 auto;
}

.goals-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.goal-card {
  border-radius: var(--radius-lg);
  overflow: hidden;
  position: relative;
  aspect-ratio: 1/1;
  background: repeating-linear-gradient(45deg, #EFE9DC, #EFE9DC 10px, #E7DFCE 10px, #E7DFCE 20px);
  cursor: pointer;
  transition: transform 0.4s var(--ease-out-expo);
}

.goal-card:hover {
  transform: scale(1.03);
}

.goal-card__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(22, 35, 58, 0.85), rgba(22, 35, 58, 0.05) 55%);
  transition: background 0.4s;
}

.goal-card:hover .goal-card__overlay {
  background: linear-gradient(to top, rgba(22, 35, 58, 0.92), rgba(22, 35, 58, 0.1) 60%);
}

.goal-card__text {
  position: absolute;
  bottom: 24px;
  left: 24px;
  right: 24px;
  font-family: var(--font-serif);
  font-size: 22px;
  color: #fff;
  line-height: 1.25;
}

/* ─── Why Us — Split Sticky Scroll ─── */
.whyus-section {
  background: var(--bg-warm-alt);
  padding: 120px 60px;
}

.whyus-grid {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: 70px;
  align-items: start;
}

.whyus-sticky {
  position: sticky;
  top: 110px;
}

.whyus-portrait {
  border-radius: 18px;
  overflow: hidden;
  aspect-ratio: 4/5;
  margin-top: 36px;
  background: repeating-linear-gradient(135deg, #E3D9BF, #E3D9BF 12px, #DACDAD 12px, #DACDAD 24px);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #8A7C58;
  font-family: monospace;
  font-size: 12px;
  letter-spacing: 1px;
}

.whyus-item {
  padding: 32px 0;
  border-bottom: 1px solid rgba(22, 35, 58, 0.12);
  display: flex;
  gap: 24px;
}

.whyus-item__num {
  font-family: var(--font-serif);
  font-size: 26px;
  color: var(--gold);
  flex-shrink: 0;
  width: 44px;
}

.whyus-item__title {
  font-size: 19px;
  font-weight: 700;
  color: var(--text-navy);
  margin-bottom: 8px;
}

.whyus-item__desc {
  font-size: 14.5px;
  line-height: 1.65;
  color: var(--text-muted);
  max-width: 560px;
}

/* ─── Stats & Dashboard Section ─── */
.stats-dashboard {
  background: linear-gradient(135deg, #141F33 0%, #1D2E4A 100%);
  padding: 120px 60px;
  position: relative;
  overflow: hidden;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  max-width: 1200px;
  margin: 0 auto;
}

.stat-card {
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid var(--border-dark);
  border-radius: var(--radius-lg);
  padding: 32px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  min-height: 180px;
  transition: all 0.35s var(--ease-out-expo);
}

.stat-card:hover {
  border-color: var(--border-gold);
  background: rgba(227, 178, 92, 0.04);
  transform: translateY(-4px);
}

.stat-card--featured {
  background: linear-gradient(135deg, rgba(227, 178, 92, 0.08), rgba(227, 178, 92, 0.02));
  border-color: var(--border-gold);
}

.stat-card__label {
  font-size: 11px;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--text-light-dim);
  font-weight: 600;
}

.stat-card__number {
  font-family: var(--font-serif);
  font-size: 54px;
  line-height: 1;
  color: var(--text-light);
}

.stat-card--featured .stat-card__number {
  color: var(--gold);
}

.stat-card__sub {
  font-size: 12.5px;
  color: var(--text-light-dim);
}

/* ─── Performance Chart Section (Scroll-Revealing SVG) ─── */
.chart-section-flow {
  background: var(--bg-navy-deep);
  padding: 120px 60px;
  overflow: hidden;
}

.chart-flow-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 60px;
}

.chart-svg {
  width: 100%;
  max-width: 480px;
}

.chart-path-bg {
  fill: none;
  stroke: rgba(247, 244, 238, 0.08);
  stroke-width: 3;
}

.chart-path-reveal {
  fill: none;
  stroke: var(--gold);
  stroke-width: 3;
  stroke-linecap: round;
  stroke-dasharray: 100;
  stroke-dashoffset: 100;
}

.chart-timeline {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.chart-timeline-item {
  padding: 22px 26px;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-dark);
  transition: all 0.35s;
  color: var(--text-light-dim);
}

.chart-timeline-item.active {
  border-color: var(--gold-glow-strong);
  background: rgba(227, 178, 92, 0.06);
  color: var(--text-light);
}

.chart-timeline-item__title {
  font-family: var(--font-serif);
  font-size: 22px;
  margin-bottom: 6px;
  color: var(--gold);
}

.chart-timeline-item__desc {
  font-size: 14.5px;
  line-height: 1.6;
}

/* ─── Marquee Ticker ─── */
.marquee-section {
  padding: 70px 0;
  background: var(--bg-warm);
  overflow: hidden;
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
}

.marquee-track {
  display: flex;
  width: max-content;
  animation: marquee 30s linear infinite;
}

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

.marquee-item {
  padding: 0 48px;
  font-family: var(--font-serif);
  font-size: 22px;
  color: var(--text-navy);
  opacity: 0.45;
  white-space: nowrap;
  transition: opacity 0.25s;
}

.marquee-item:hover { opacity: 1; }

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

/* ─── Resources Grid ─── */
.resources-section {
  padding: 120px 60px;
  max-width: 1200px;
  margin: 0 auto;
}

.resources-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.resource-card {
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  background: #fff;
  transition: all 0.35s var(--ease-out-expo);
  position: relative;
  overflow: hidden;
}

.resource-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-dark));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s var(--ease-out-expo);
}

.resource-card:hover {
  border-color: var(--gold);
  transform: translateY(-6px);
  box-shadow: 0 24px 48px -20px rgba(22, 35, 58, 0.15);
}

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

.resource-card__title {
  font-size: 18px;
  font-weight: 700;
  color: var(--text-navy);
  margin-bottom: 10px;
}

.resource-card__desc {
  font-size: 14px;
  line-height: 1.65;
  color: var(--text-muted);
}

/* ─── Blog Cards ─── */
.blog-section {
  padding: 120px 60px;
  max-width: 1200px;
  margin: 0 auto;
}

.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.blog-card {
  display: block;
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--border-light);
  transition: all 0.4s var(--ease-out-expo);
  background: #fff;
}

.blog-card:hover {
  border-color: var(--gold);
  transform: translateY(-8px);
  box-shadow: 0 32px 64px -24px rgba(22, 35, 58, 0.18);
}

.blog-card__img {
  aspect-ratio: 16/10;
  background: repeating-linear-gradient(135deg, #EFE9DC, #EFE9DC 12px, #E7DFCE 12px, #E7DFCE 24px);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #8A7C58;
  font-family: monospace;
  font-size: 11px;
  overflow: hidden;
}

.blog-card__body {
  padding: 28px 26px;
}

.blog-card__date {
  font-size: 12px;
  color: var(--gold-muted);
  margin-bottom: 12px;
}

.blog-card__title {
  font-size: 19px;
  font-weight: 700;
  color: var(--text-navy);
  line-height: 1.35;
  margin-bottom: 12px;
}

.blog-card__excerpt {
  font-size: 14px;
  line-height: 1.65;
  color: var(--text-muted);
}

.blog-card__link {
  margin-top: 18px;
  font-size: 13px;
  font-weight: 700;
  color: var(--gold-dark);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: gap 0.25s var(--ease-out-expo);
}

.blog-card:hover .blog-card__link { gap: 12px; }

/* ─── Contact Form ─── */
.contact-grid {
  padding: 100px 60px;
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 70px;
}

.form-group { display: flex; flex-direction: column; gap: 16px; }

.form-input, .form-textarea {
  width: 100%;
  padding: 16px 18px;
  border-radius: var(--radius-sm);
  border: 1px solid rgba(27, 35, 51, 0.15);
  background: #fff;
  font-size: 14px;
  font-family: inherit;
  color: var(--text-primary);
  transition: border-color 0.25s, box-shadow 0.25s;
}

.form-input::placeholder, .form-textarea::placeholder { color: #8D97A8; }
.form-textarea { resize: none; }

.form-input:focus, .form-textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px var(--gold-glow);
}

.form-grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.contact-info { display: flex; flex-direction: column; gap: 28px; }

.contact-info__item {
  display: flex;
  gap: 18px;
  align-items: flex-start;
}

.contact-info__icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--bg-warm-alt);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 18px;
}

.contact-info__label {
  font-size: 12px;
  color: var(--gold-muted);
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin-bottom: 6px;
  font-weight: 600;
}

.contact-info__value {
  font-family: var(--font-serif);
  font-size: 22px;
  color: var(--text-navy);
}

.contact-info__text {
  font-size: 15px;
  line-height: 1.6;
  color: #39424F;
}

/* ─── CTA Banner ─── */
.cta-banner {
  background: var(--bg-navy);
  padding: 110px 60px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-banner__dots {
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(227, 178, 92, 0.12) 1px, transparent 1px);
  background-size: 22px 22px;
  opacity: 0.5;
}

/* ─── Footer ─── */
.site-footer {
  background: var(--bg-navy-deep);
  padding: 90px 60px 40px;
  color: var(--text-light-muted);
}

.footer__grid {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 50px;
  margin-bottom: 70px;
}

.footer__brand-desc {
  font-size: 14px;
  line-height: 1.7;
  color: var(--text-subtle);
  max-width: 280px;
  margin-top: 8px;
}

.footer__social {
  display: flex;
  gap: 16px;
  margin-top: 22px;
}

.footer__social a {
  color: var(--text-light-muted);
  font-size: 13px;
  transition: color 0.2s;
}

.footer__social a:hover { color: var(--gold); }

.footer__col-title {
  font-size: 12px;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
  font-weight: 700;
}

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

.footer__links a {
  color: var(--text-light-muted);
  font-size: 14px;
  transition: color 0.2s;
}

.footer__links a:hover { color: var(--gold); }

.footer__bottom {
  border-top: 1px solid rgba(183, 192, 209, 0.1);
  padding-top: 28px;
  font-size: 12.5px;
  color: var(--text-footer-dim);
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  max-width: 1200px;
  margin: 0 auto;
}

.footer__bottom-links {
  display: flex;
  gap: 20px;
}

.footer__bottom-links a {
  color: var(--text-footer-dim);
  transition: color 0.2s;
}

.footer__bottom-links a:hover { color: var(--gold); }

/* ─── Scroll Reveal ─── */
.reveal-up {
  opacity: 0;
  transform: translateY(40px);
  transition: opacity 0.9s var(--ease-out-expo), transform 0.9s var(--ease-out-expo);
}

.reveal-up.revealed {
  opacity: 1;
  transform: translateY(0);
}

.reveal-scale {
  opacity: 0;
  transform: scale(0.95);
  transition: opacity 0.8s var(--ease-out-expo), transform 0.8s var(--ease-out-expo);
}

.reveal-scale.revealed {
  opacity: 1;
  transform: scale(1);
}

/* Stagger delays */
.stagger-1 { transition-delay: 0.05s; }
.stagger-2 { transition-delay: 0.1s; }
.stagger-3 { transition-delay: 0.15s; }
.stagger-4 { transition-delay: 0.2s; }
.stagger-5 { transition-delay: 0.25s; }
.stagger-6 { transition-delay: 0.3s; }

/* ─── Responsive ─── */
@media (max-width: 1024px) {
  .navbar, .navbar.scrolled { padding: 16px 30px; }
  .hero { padding: 140px 30px 100px; }
  .page-hero { padding: 140px 30px 80px; }
  .stacking-section__header { margin-bottom: 50px; }
  .stacking-card { padding: 36px 30px; }

  .split-pin__inner {
    grid-template-columns: 1fr;
    padding: 80px 30px;
    gap: 40px;
  }

  .goals-grid { grid-template-columns: repeat(2, 1fr); }
  .whyus-grid { grid-template-columns: 1fr; gap: 40px; }
  .whyus-sticky { position: static; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .resources-grid { grid-template-columns: repeat(2, 1fr); }
  .blog-grid { grid-template-columns: repeat(2, 1fr); }
  .contact-grid { grid-template-columns: 1fr; gap: 50px; padding: 60px 30px; }
  .footer__grid { grid-template-columns: 1fr 1fr; gap: 40px; }

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

  .chart-section-flow {
    padding: 80px 30px;
  }

  .section-padding, .goals-section, .resources-section, .blog-section,
  .whyus-section, .stats-dashboard { padding: 80px 30px; }
}

@media (max-width: 768px) {
  .mobile-toggle { display: block; }

  .nav-links {
    position: fixed;
    top: 0;
    right: -100%;
    width: 300px;
    height: 100vh;
    background: var(--bg-navy-deep);
    flex-direction: column;
    align-items: flex-start;
    padding: 100px 30px;
    gap: 20px;
    transition: right 0.35s var(--ease-out-expo);
    box-shadow: -10px 0 40px rgba(0, 0, 0, 0.6);
    z-index: 999;
  }

  .nav-links.open { right: 0; }

  .hero__content {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .hero-widget-card { margin-left: 0 !important; width: 100%; }

  .hero { min-height: auto; padding: 130px 20px 80px; }
  .hero__title { font-size: 40px; }
  .hero__desc { font-size: 16px; margin: 20px 0 32px; }

  .stacking-card {
    grid-template-columns: 1fr;
    gap: 16px;
    position: relative;
    top: auto !important;
  }

  .goals-grid, .stats-grid, .resources-grid, .blog-grid,
  .form-grid-2 { grid-template-columns: 1fr; }

  .footer__grid { grid-template-columns: 1fr; gap: 36px; }

  .goals-section, .resources-section, .blog-section,
  .whyus-section, .stats-dashboard, .stacking-section,
  .cta-banner, .app-strip { padding: 60px 20px; }
}

/* ═══════════════════════════════════════════
   ULTRA-PREMIUM INTERACTIONS
   ═══════════════════════════════════════════ */

/* ─── Custom Cursor ─── */
body.has-custom-cursor {
  cursor: none;
}
body.has-custom-cursor a,
body.has-custom-cursor button,
body.has-custom-cursor .goal-card,
body.has-custom-cursor .resource-card,
body.has-custom-cursor .blog-card {
  cursor: none;
}

.custom-cursor-dot,
.custom-cursor-outline {
  position: fixed;
  top: 0;
  left: 0;
  pointer-events: none;
  z-index: 11000;
  border-radius: 50%;
  transform: translate(-50%, -50%);
  transition: opacity 0.3s, transform 0.15s ease-out;
  will-change: transform, width, height;
}

.custom-cursor-dot {
  width: 8px;
  height: 8px;
  background-color: var(--gold);
}

.custom-cursor-outline {
  width: 40px;
  height: 40px;
  border: 1.5px solid rgba(227, 178, 92, 0.6);
  transition: width 0.3s ease-out, height 0.3s ease-out, background-color 0.3s, border-color 0.3s;
}

/* Cursor Hover States */
.custom-cursor-outline.hover-active {
  width: 64px;
  height: 64px;
  background-color: rgba(227, 178, 92, 0.1);
  border-color: var(--gold);
  backdrop-filter: blur(2px);
}

/* ─── Scroll-Driven Marquee ─── */
.scroll-marquee-section {
  padding: 120px 0;
  background: var(--bg-navy-deep);
  overflow: hidden;
  display: flex;
  align-items: center;
  border-top: 1px solid var(--border-dark);
}

.scroll-marquee-text {
  font-family: var(--font-serif);
  font-size: clamp(100px, 15vw, 240px);
  font-weight: 400;
  white-space: nowrap;
  color: transparent;
  -webkit-text-stroke: 1.5px rgba(247, 244, 238, 0.15);
  text-transform: uppercase;
  will-change: transform;
}

.scroll-marquee-text span {
  color: var(--gold);
  -webkit-text-stroke: 0;
  font-style: italic;
}

/* ─── Parallax Container ─── */
.parallax-wrap {
  overflow: hidden;
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}

.parallax-inner {
  will-change: transform;
  width: 100%;
  height: 120%; /* Extra height to allow scrolling without cropping */
  object-fit: cover;
}

/* ─── WebGL Canvas ─── */
.webgl-canvas {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  z-index: 0;
  pointer-events: none;
  opacity: 0.7;
}

/* ─── Wealth Calculator (Glassmorphism) ─── */
.calc-section {
  position: relative;
  background: var(--bg-navy);
  padding: 120px 60px;
  overflow: hidden;
  color: var(--text-light);
}

.calc-section::before {
  content: '';
  position: absolute;
  top: -20%;
  left: -10%;
  width: 50vw;
  height: 50vw;
  background: radial-gradient(circle, rgba(227, 178, 92, 0.15) 0%, transparent 60%);
  filter: blur(80px);
  z-index: 0;
}

.calc-glass {
  position: relative;
  z-index: 1;
  background: rgba(255, 255, 255, 0.03);
  backdrop-filter: blur(30px);
  -webkit-backdrop-filter: blur(30px);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-xl);
  padding: 60px;
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
  box-shadow: 0 40px 80px rgba(0,0,0,0.2);
}

.calc-sliders {
  display: flex;
  flex-direction: column;
  gap: 32px;
}

.calc-group {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.calc-label-row {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
}

.calc-label {
  font-size: 14px;
  color: var(--text-light-muted);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
}

.calc-val {
  font-family: var(--font-serif);
  font-size: 28px;
  color: var(--gold);
  line-height: 1;
}

/* Custom Range Input */
.calc-range {
  -webkit-appearance: none;
  width: 100%;
  height: 6px;
  background: rgba(255, 255, 255, 0.1);
  border-radius: 4px;
  outline: none;
  position: relative;
  cursor: grab;
}

.calc-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--gold);
  border: 3px solid var(--bg-navy);
  box-shadow: 0 0 15px rgba(227, 178, 92, 0.5);
  cursor: grab;
  transition: transform 0.2s;
}

.calc-range::-webkit-slider-thumb:hover {
  transform: scale(1.2);
}

.calc-range:active {
  cursor: grabbing;
}
.calc-range:active::-webkit-slider-thumb {
  cursor: grabbing;
  transform: scale(1.1);
}

.calc-chart-wrap {
  position: relative;
  width: 100%;
  max-width: 360px;
  margin: 0 auto;
  aspect-ratio: 1/1;
  display: flex;
  align-items: center;
  justify-content: center;
}

.calc-donut {
  transform: rotate(-90deg);
  width: 100%;
  height: 100%;
  filter: drop-shadow(0 0 20px rgba(227, 178, 92, 0.15));
}

.donut-bg {
  fill: none;
  stroke: rgba(255, 255, 255, 0.05);
  stroke-width: 12;
}

.donut-invested {
  fill: none;
  stroke: var(--text-light-muted);
  stroke-width: 12;
  stroke-dasharray: 100;
  stroke-dashoffset: 100;
  transform-origin: center;
  transition: stroke-dashoffset 0.6s var(--ease-out-expo), transform 0.6s var(--ease-out-expo);
}

.donut-returns {
  fill: none;
  stroke: var(--gold);
  stroke-width: 12;
  stroke-dasharray: 100;
  stroke-dashoffset: 100;
  transition: stroke-dashoffset 0.6s var(--ease-out-expo);
}

.calc-center-text {
  position: absolute;
  text-align: center;
}

.calc-center-label {
  font-size: 13px;
  color: var(--text-light-dim);
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin-bottom: 6px;
}

.calc-center-val {
  font-family: var(--font-serif);
  font-size: 42px;
  color: var(--text-light);
  line-height: 1;
}

.calc-legend {
  margin-top: 32px;
  display: flex;
  justify-content: center;
  gap: 32px;
}

.legend-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  color: var(--text-light-muted);
}

.legend-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
}

.legend-dot--invested { background: var(--text-light-muted); }
.legend-dot--returns { background: var(--gold); }

@media (max-width: 1024px) {
  .calc-glass {
    grid-template-columns: 1fr;
    gap: 60px;
    padding: 40px;
  }
}

/* ─── Hero Text Rotator ─── */
.text-rotator-wrap {
  display: inline-block;
  overflow: hidden;
  vertical-align: bottom;
  height: 1.05em; /* Match font-size exactly to clip extra words */
  line-height: 1;
}

.text-rotator {
  display: inline-flex;
  flex-direction: column;
  transition: transform 0.6s var(--ease-out-expo);
  text-align: left;
}

.rotator-item {
  display: block;
  height: 1em; /* matches font size */
  line-height: 1;
}

/* ─── Hero Scroll Indicator ─── */
.hero-scroll-indicator {
  position: absolute;
  bottom: 40px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  color: var(--text-light-dim);
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 2px;
  text-decoration: none;
  z-index: 10;
  transition: color 0.3s, transform 0.3s;
}

.hero-scroll-indicator:hover {
  color: var(--gold);
  transform: translate(-50%, 5px);
}

.mouse-icon {
  width: 26px;
  height: 40px;
  border: 2px solid currentColor;
  border-radius: 13px;
  position: relative;
}

.wheel {
  width: 4px;
  height: 8px;
  background-color: currentColor;
  border-radius: 2px;
  position: absolute;
  top: 6px;
  left: 50%;
  transform: translateX(-50%);
  animation: scrollWheel 1.5s infinite;
}

@keyframes scrollWheel {
  0% { top: 6px; opacity: 1; }
  100% { top: 20px; opacity: 0; }
}

/* ─── FAQ Accordion Section ─── */
.faq-section {
  padding: 120px 20px;
  background: var(--bg-cream);
}

.accordion {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.accordion-item {
  background: white;
  border-radius: 12px;
  box-shadow: 0 4px 20px rgba(0,0,0,0.03);
  overflow: hidden;
  transition: box-shadow 0.3s;
}

.accordion-item:hover {
  box-shadow: 0 8px 30px rgba(0,0,0,0.06);
}

.accordion-trigger {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 24px 32px;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  color: var(--text-navy);
}

.accordion-title {
  font-size: 18px;
  font-weight: 500;
  font-family: var(--font-serif);
}

.accordion-icon {
  font-size: 24px;
  font-weight: 300;
  color: var(--gold);
  transition: transform 0.4s var(--ease-out-expo);
  display: flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: rgba(227, 178, 92, 0.1);
}

.accordion-item.is-open .accordion-icon {
  transform: rotate(45deg); /* Turns + into x */
  background: var(--gold);
  color: white;
}

.accordion-content {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows 0.4s var(--ease-out-expo);
}

.accordion-item.is-open .accordion-content {
  grid-template-rows: 1fr;
}

.accordion-inner {
  overflow: hidden;
  padding: 0 32px;
  font-size: 16px;
  line-height: 1.6;
  color: var(--text-dark-muted);
}
.accordion-item.is-open .accordion-inner {
  padding-bottom: 32px; /* Add padding when open */
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
  .reveal-up, .reveal-scale { opacity: 1; transform: none; }
  .hero__title .word-inner { transform: none; }
  .hero__desc, .hero__actions { opacity: 1; transform: none; }
}