:root {
    --navy: #0a1628;
    --navy-mid: #132040;
    --navy-light: #1e3060;
    --gold: #c9a84c;
    --gold-light: #e8c96a;
    --gold-pale: #f5e9c8;
    --white: #ffffff;
    --off-white: #f8f6f0;
    --gray: #8a9ab5;
    --gray-light: #e8ecf4;
    --text: #1a2340;
    --text-light: #4a5878;
  }

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

  html { scroll-behavior: smooth; }

  body {
    font-family: 'DM Sans', sans-serif;
    background: var(--off-white);
    color: var(--text);
    overflow-x: hidden;
  }

  /* ── NAV ── */
  nav {
    position: fixed; top: 0; left: 0; right: 0; z-index: 100;
    background: rgba(10, 22, 40, 0.96);
    backdrop-filter: blur(12px);
    display: flex; align-items: center; justify-content: space-between;
    padding: 0 5%;
    height: 72px;
    border-bottom: 1px solid rgba(201, 168, 76, 0.2);
  }

  .logo {
    font-family: 'Playfair Display', serif;
    color: var(--white);
    font-size: 1.35rem;
    font-weight: 700;
    letter-spacing: 0.02em;
  }

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

  .nav-links {
    display: flex; gap: 2.5rem; list-style: none;
  }

  .nav-links a {
    color: rgba(255,255,255,0.75);
    text-decoration: none;
    font-size: 0.88rem;
    font-weight: 500;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    transition: color 0.25s;
  }

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

  .nav-cta {
    background: var(--gold);
    color: var(--navy) !important;
    text-decoration: none;
    padding: 0.5rem 1.4rem;
    border-radius: 4px;
    font-weight: 600 !important;
    transition: background 0.25s !important;
  }

  .nav-cta:hover { background: var(--gold-light) !important; color: var(--navy) !important; }

  .nav-join {
    border: 1.5px solid rgba(201,168,76,0.55);
    color: var(--gold) !important;
    text-decoration: none;
    padding: 0.45rem 1.3rem;
    border-radius: 4px;
    font-weight: 600 !important;
    letter-spacing: 0.04em;
    transition: background 0.25s, border-color 0.25s !important;
  }

  .nav-join:hover { background: rgba(201,168,76,0.1) !important; border-color: var(--gold) !important; color: var(--gold) !important; }

  /* ── HERO ── */
  #hero {
    min-height: 100vh;
    background: var(--navy);
    display: grid;
    grid-template-columns: 1fr 1fr;
    position: relative;
    overflow: hidden;
  }

  .hero-bg-lines {
    position: absolute; inset: 0;
    background-image:
      linear-gradient(rgba(201,168,76,0.04) 1px, transparent 1px),
      linear-gradient(90deg, rgba(201,168,76,0.04) 1px, transparent 1px);
    background-size: 60px 60px;
  }

  .hero-circle {
    position: absolute;
    right: -120px; top: 50%;
    transform: translateY(-50%);
    width: 700px; height: 700px;
    border-radius: 50%;
    background: radial-gradient(circle at center, rgba(201,168,76,0.12) 0%, transparent 70%);
    pointer-events: none;
  }

  .hero-content {
    display: flex; flex-direction: column; justify-content: center;
    padding: 120px 5% 80px 8%;
    position: relative; z-index: 2;
  }

  .hero-eyebrow {
    display: inline-flex; align-items: center; gap: 0.75rem;
    color: var(--gold);
    font-size: 0.78rem;
    font-weight: 600;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    margin-bottom: 1.8rem;
  }

  .hero-eyebrow::before {
    content: '';
    display: block; width: 36px; height: 1px;
    background: var(--gold);
  }

  h1 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(2.6rem, 4.5vw, 4rem);
    line-height: 1.12;
    color: var(--white);
    margin-bottom: 1.6rem;
    font-weight: 700;
  }

  h1 em {
    font-style: normal;
    color: var(--gold);
  }

  .hero-sub {
    font-size: 1.05rem;
    color: rgba(255,255,255,0.65);
    line-height: 1.75;
    max-width: 480px;
    margin-bottom: 2.8rem;
    font-weight: 300;
  }

  .btn-group { display: flex; gap: 1rem; flex-wrap: wrap; }

  .btn-primary {
    background: var(--gold);
    color: var(--navy);
    padding: 0.9rem 2rem;
    border-radius: 4px;
    font-weight: 600;
    font-size: 0.9rem;
    text-decoration: none;
    letter-spacing: 0.03em;
    transition: background 0.25s, transform 0.2s;
    display: inline-block;
  }

  .btn-primary:hover { background: var(--gold-light); transform: translateY(-2px); }

  .btn-outline {
    border: 1.5px solid rgba(255,255,255,0.3);
    color: var(--white);
    padding: 0.9rem 2rem;
    border-radius: 4px;
    font-weight: 500;
    font-size: 0.9rem;
    text-decoration: none;
    transition: border-color 0.25s, transform 0.2s;
    display: inline-block;
  }

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

  .hero-right {
    display: flex; align-items: center; justify-content: center;
    padding: 120px 8% 80px 4%;
    position: relative; z-index: 2;
  }

  .hero-card {
    background: rgba(255,255,255,0.05);
    border: 1px solid rgba(201,168,76,0.2);
    border-radius: 12px;
    padding: 2.5rem;
    width: 100%;
    max-width: 380px;
    backdrop-filter: blur(4px);
  }

  .hero-card-title {
    font-family: 'Playfair Display', serif;
    color: var(--gold);
    font-size: 1rem;
    margin-bottom: 1.8rem;
    letter-spacing: 0.05em;
    text-transform: uppercase;
    font-weight: 600;
  }

  .stat-row {
    display: flex; justify-content: space-between; align-items: center;
    padding: 1rem 0;
    border-bottom: 1px solid rgba(255,255,255,0.08);
  }

  .stat-row:last-child { border-bottom: none; }

  .stat-label {
    color: rgba(255,255,255,0.55);
    font-size: 0.85rem;
    font-weight: 400;
  }

  .stat-value {
    color: var(--white);
    font-size: 1.1rem;
    font-weight: 600;
    font-family: 'Playfair Display', serif;
  }

  .stat-value.gold { color: var(--gold); }

  .hero-badge {
    margin-top: 1.8rem;
    background: rgba(201,168,76,0.1);
    border: 1px solid rgba(201,168,76,0.25);
    border-radius: 8px;
    padding: 1rem 1.2rem;
    display: flex; align-items: center; gap: 0.75rem;
  }

  .hero-badge-icon { font-size: 1.4rem; }

  .hero-badge-text {
    color: rgba(255,255,255,0.8);
    font-size: 0.82rem;
    line-height: 1.5;
  }

  /* ── SECTION SHARED ── */
  section { padding: 100px 5%; }

  .section-label {
    display: inline-flex; align-items: center; gap: 0.75rem;
    color: var(--gold);
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    margin-bottom: 1.2rem;
  }

  .section-label::before {
    content: '';
    display: block; width: 28px; height: 1px;
    background: var(--gold);
  }

  h2 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(1.9rem, 3vw, 2.8rem);
    line-height: 1.2;
    font-weight: 700;
    color: var(--text);
    margin-bottom: 1rem;
  }

  h2 em { font-style: normal; color: var(--gold); }

  .section-intro {
    font-size: 1rem;
    color: var(--text-light);
    line-height: 1.75;
    max-width: 580px;
    margin-bottom: 3.5rem;
  }

  /* ── WHAT WE DO ── */
  #what-we-do {
    background: var(--off-white);
  }

  .what-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2px;
    border: 2px solid var(--gray-light);
    border-radius: 12px;
    overflow: hidden;
  }

  .what-item {
    background: var(--white);
    padding: 2.8rem;
    transition: background 0.25s;
    position: relative;
  }

  .what-item:hover { background: #fdfcf7; }

  .what-item::after {
    content: '';
    position: absolute;
    bottom: 0; left: 2.8rem; right: 2.8rem;
    height: 2px;
    background: var(--gold);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.35s ease;
  }

  .what-item:hover::after { transform: scaleX(1); }

  .what-icon {
    width: 52px; height: 52px;
    background: var(--gold-pale);
    border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    margin-bottom: 1.4rem;
  }

  .what-icon img {
    width: 26px; height: 26px;
    color: var(--navy);
    filter: brightness(0) saturate(100%) invert(13%) sepia(37%) saturate(800%) hue-rotate(196deg) brightness(95%) contrast(95%);
  }

  .hero-badge-icon img {
    width: 28px; height: 28px;
    filter: brightness(0) saturate(100%) invert(74%) sepia(40%) saturate(500%) hue-rotate(5deg) brightness(95%) contrast(90%);
  }

  .contact-info-icon img {
    width: 22px; height: 22px;
    filter: brightness(0) saturate(100%) invert(74%) sepia(40%) saturate(500%) hue-rotate(5deg) brightness(95%) contrast(90%);
  }

  .check img, .cross img {
    width: 12px; height: 12px;
  }

  .check img { filter: brightness(0) saturate(100%) invert(13%) sepia(37%) saturate(800%) hue-rotate(196deg); }
  .cross img  { filter: brightness(0) saturate(100%) invert(30%) sepia(80%) saturate(800%) hue-rotate(330deg); }

  .pw-toggle img, .join-pw-toggle img {
    width: 16px; height: 16px;
    filter: brightness(0) saturate(100%) invert(100%);
    opacity: 0.4;
  }

  .what-item h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.22rem;
    font-weight: 700;
    margin-bottom: 0.75rem;
    color: var(--text);
  }

  .what-item p {
    font-size: 0.92rem;
    color: var(--text-light);
    line-height: 1.75;
  }

  /* ── LIFE INSURANCE NEED ── */
  #life-insurance {
    background: var(--navy);
    color: var(--white);
    position: relative;
    overflow: hidden;
  }

  #life-insurance::before {
    content: '';
    position: absolute;
    top: -200px; right: -200px;
    width: 600px; height: 600px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(201,168,76,0.08) 0%, transparent 70%);
    pointer-events: none;
  }

  #life-insurance h2 { color: var(--white); }

  .insurance-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2.5rem;
  }

  .insurance-card {
    background: rgba(255,255,255,0.04);
    border: 1px solid rgba(201,168,76,0.15);
    border-radius: 12px;
    padding: 2.5rem;
    position: relative;
    overflow: hidden;
    transition: border-color 0.3s, transform 0.3s;
  }

  .insurance-card:hover {
    border-color: rgba(201,168,76,0.5);
    transform: translateY(-4px);
  }

  .insurance-card-tag {
    display: inline-block;
    background: rgba(201,168,76,0.15);
    color: var(--gold);
    font-size: 0.72rem;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    padding: 0.3rem 0.8rem;
    border-radius: 20px;
    margin-bottom: 1.2rem;
  }

  .insurance-card h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.4rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 1rem;
  }

  .insurance-card p {
    font-size: 0.9rem;
    color: rgba(255,255,255,0.6);
    line-height: 1.8;
    margin-bottom: 1.5rem;
  }

  .insurance-points { list-style: none; }

  .insurance-points li {
    display: flex; align-items: flex-start; gap: 0.75rem;
    color: rgba(255,255,255,0.75);
    font-size: 0.88rem;
    line-height: 1.6;
    margin-bottom: 0.7rem;
  }

  .insurance-points li::before {
    content: '→';
    color: var(--gold);
    flex-shrink: 0;
    margin-top: 0.05em;
  }

  .stat-band {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
    margin-top: 4rem;
    border: 1px solid rgba(201,168,76,0.2);
    border-radius: 12px;
    overflow: hidden;
  }

  .stat-band-item {
    padding: 2rem;
    text-align: center;
    border-right: 1px solid rgba(201,168,76,0.15);
  }

  .stat-band-item:last-child { border-right: none; }

  .stat-band-num {
    font-family: 'Playfair Display', serif;
    font-size: 2.4rem;
    font-weight: 700;
    color: var(--gold);
    display: block;
    line-height: 1;
    margin-bottom: 0.5rem;
  }

  .stat-band-label {
    font-size: 0.82rem;
    color: rgba(255,255,255,0.5);
    line-height: 1.5;
  }

  /* ── COMPENSATION ── */
  #compensation {
    background: var(--off-white);
  }

  .comp-wrapper {
    display: grid;
    grid-template-columns: 1fr 1.1fr;
    gap: 4rem;
    align-items: start;
  }

  .comp-intro h2 { margin-bottom: 1rem; }

  .comp-tagline {
    font-size: 1rem;
    color: var(--text-light);
    line-height: 1.75;
    margin-bottom: 2.5rem;
  }

  .comp-truths { list-style: none; }

  .comp-truths li {
    display: flex; align-items: center; gap: 1rem;
    padding: 0.9rem 0;
    border-bottom: 1px solid var(--gray-light);
    font-size: 0.92rem;
    color: var(--text-light);
  }

  .comp-truths li:last-child { border-bottom: none; }

  .check {
    width: 24px; height: 24px;
    background: var(--gold);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    color: var(--navy);
    font-size: 0.75rem;
    font-weight: 700;
    flex-shrink: 0;
  }

  .cross {
    width: 24px; height: 24px;
    background: #fee;
    border: 1.5px solid #fcc;
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    color: #c44;
    font-size: 0.75rem;
    font-weight: 700;
    flex-shrink: 0;
  }

  .comp-visual {
    background: var(--navy);
    border-radius: 16px;
    padding: 2.5rem;
    color: var(--white);
  }

  .comp-visual-title {
    font-family: 'Playfair Display', serif;
    font-size: 1rem;
    color: var(--gold);
    letter-spacing: 0.06em;
    text-transform: uppercase;
    margin-bottom: 2rem;
    font-weight: 600;
  }

  .tier {
    display: flex;
    align-items: stretch;
    margin-bottom: 1.2rem;
    border-radius: 10px;
    overflow: hidden;
  }

  .tier-label-wrap {
    background: rgba(201,168,76,0.12);
    padding: 1.2rem 1.4rem;
    display: flex; flex-direction: column; justify-content: center;
    min-width: 110px;
  }

  .tier-gen {
    font-size: 0.7rem;
    color: var(--gold);
    letter-spacing: 0.1em;
    text-transform: uppercase;
    font-weight: 600;
    margin-bottom: 0.2rem;
  }

  .tier-who {
    font-size: 0.82rem;
    color: rgba(255,255,255,0.65);
    font-weight: 300;
  }

  .tier-bar-wrap {
    flex: 1;
    background: rgba(255,255,255,0.05);
    padding: 1.2rem 1.4rem;
    display: flex; align-items: center; justify-content: space-between;
  }

  .tier-pct {
    font-family: 'Playfair Display', serif;
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--white);
  }

  .tier-desc {
    font-size: 0.78rem;
    color: rgba(255,255,255,0.45);
    text-align: right;
  }

  .tier-bar-fill {
    height: 8px;
    width: 180px;
    background: rgba(255,255,255,0.12);
    border-radius: 4px;
    margin-top: 0.6rem;
    overflow: hidden;
  }

  .tier-bar-fill-inner {
    height: 100%;
    background: linear-gradient(90deg, var(--gold), var(--gold-light, #e8c96a));
    border-radius: 4px;
    transition: width 0.3s ease;
  }

  .tier-top {
    outline: 1px solid rgba(201,168,76,0.5);
    box-shadow: 0 0 0 3px rgba(201,168,76,0.08);
  }

  .tier-top .tier-label-wrap {
    background: rgba(201,168,76,0.22);
  }

  .tier-top .tier-pct {
    color: var(--gold);
  }

  .comp-note {
    margin-top: 1.8rem;
    background: rgba(201,168,76,0.08);
    border: 1px solid rgba(201,168,76,0.2);
    border-radius: 8px;
    padding: 1.1rem 1.3rem;
    font-size: 0.82rem;
    color: rgba(255,255,255,0.6);
    line-height: 1.65;
  }

  .comp-note strong { color: var(--gold); }

  /* contextual link out to the FAQ, under the comp plan */
  .comp-faq-link {
    text-align: center;
    margin-top: 2.5rem;
    font-size: 0.95rem;
  }

  .comp-faq-link a {
    color: var(--navy);
    text-decoration: none;
    font-weight: 500;
    border-bottom: 1px solid var(--gold);
    padding-bottom: 2px;
    transition: color 0.25s, border-color 0.25s;
  }

  .comp-faq-link a:hover {
    color: var(--gold);
    border-bottom-color: var(--navy);
  }

  /* ── WHY US ── */
  #why-us {
    background: var(--white);
  }

  .why-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
    margin-top: 1rem;
  }

  .why-card {
    border: 1px solid var(--gray-light);
    border-radius: 12px;
    padding: 2.2rem;
    transition: border-color 0.25s, box-shadow 0.25s;
  }

  .why-card:hover {
    border-color: var(--gold);
    box-shadow: 0 8px 32px rgba(201,168,76,0.1);
  }

  .why-num {
    font-family: 'Playfair Display', serif;
    font-size: 2.8rem;
    color: var(--gold-pale);
    font-weight: 700;
    line-height: 1;
    margin-bottom: 1rem;
  }

  .why-card h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.12rem;
    font-weight: 700;
    color: var(--text);
    margin-bottom: 0.7rem;
  }

  .why-card p {
    font-size: 0.88rem;
    color: var(--text-light);
    line-height: 1.75;
  }

  /* ── CONTACT ── */
  #contact {
    background: var(--navy);
    color: var(--white);
  }

  #contact h2 { color: var(--white); }

  .contact-inner {
    max-width: 620px;
    margin: 0 auto;
  }

  .contact-intro {
    font-size: 1rem;
    color: rgba(255,255,255,0.6);
    line-height: 1.8;
    text-align: center;
    margin: 0 auto 3rem;
    max-width: 540px;
  }

  .contact-form {
    background: rgba(255,255,255,0.04);
    border: 1px solid rgba(201,168,76,0.15);
    border-radius: 14px;
    padding: 2.5rem;
  }

  .contact-status {
    display: none;
    border-radius: 8px;
    padding: 0.85rem 1.1rem;
    margin-bottom: 1.3rem;
    font-size: 0.86rem;
    line-height: 1.55;
    text-align: center;
  }

  .contact-status.success {
    display: block;
    background: rgba(60,180,100,0.12);
    border: 1px solid rgba(60,180,100,0.35);
    color: #7fdfaa;
  }

  .contact-status.error {
    display: block;
    background: rgba(200,60,60,0.12);
    border: 1px solid rgba(200,60,60,0.35);
    color: #f08080;
  }

  .form-row { margin-bottom: 1.2rem; }

  .form-row label {
    display: block;
    font-size: 0.78rem;
    color: rgba(255,255,255,0.5);
    font-weight: 500;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    margin-bottom: 0.5rem;
  }

  .form-row input,
  .form-row select,
  .form-row textarea {
    width: 100%;
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.12);
    border-radius: 6px;
    padding: 0.85rem 1rem;
    color: var(--white);
    font-family: 'DM Sans', sans-serif;
    font-size: 0.9rem;
    outline: none;
    transition: border-color 0.25s;
  }

  .form-row input:focus,
  .form-row select:focus,
  .form-row textarea:focus {
    border-color: var(--gold);
  }

  .form-row select option { background: var(--navy-mid); }
  .form-row textarea { resize: vertical; min-height: 110px; }

  .form-2col {
    display: grid; grid-template-columns: 1fr 1fr; gap: 1rem;
    margin-bottom: 1.2rem;
  }

  .form-submit {
    width: 100%;
    background: var(--gold);
    color: var(--navy);
    border: none;
    border-radius: 6px;
    padding: 1rem;
    font-family: 'DM Sans', sans-serif;
    font-size: 0.92rem;
    font-weight: 600;
    cursor: pointer;
    letter-spacing: 0.04em;
    transition: background 0.25s;
    margin-top: 0.5rem;
  }

  .form-submit:hover { background: var(--gold-light); }

  /* ── FOOTER ── */
  footer {
    background: #060e1c;
    padding: 3rem 5%;
    display: flex; justify-content: space-between; align-items: center;
    flex-wrap: wrap; gap: 1rem;
  }

  .footer-logo {
    font-family: 'Playfair Display', serif;
    color: rgba(255,255,255,0.5);
    font-size: 1rem;
  }

  .footer-logo span { color: var(--gold); }

  .footer-legal {
    font-size: 0.78rem;
    color: rgba(255,255,255,0.25);
    line-height: 1.6;
    text-align: center;
    max-width: 520px;
  }

  .footer-links {
    display: flex; gap: 1.5rem;
  }

  .footer-links a {
    color: rgba(255,255,255,0.35);
    font-size: 0.8rem;
    text-decoration: none;
    transition: color 0.2s;
  }

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

  /* ── ANIMATIONS ── */
  @keyframes fadeUp {
    from { opacity: 0; transform: translateY(24px); }
    to { opacity: 1; transform: translateY(0); }
  }

  .hero-content > * {
    animation: fadeUp 0.7s ease both;
  }

  .hero-eyebrow { animation-delay: 0.1s; }
  h1 { animation-delay: 0.2s; }
  .hero-sub { animation-delay: 0.32s; }
  .btn-group { animation-delay: 0.44s; }
  .hero-right { animation: fadeUp 0.8s 0.5s ease both; }

  /* ── MOBILE ── */
  /* ── HAMBURGER ── */
  .nav-actions {
    display: flex; align-items: center; gap: .75rem;
  }

  .hamburger {
    display: none;
    flex-direction: column; justify-content: center; align-items: center;
    gap: 5px;
    background: none; border: none; cursor: pointer;
    padding: .4rem; margin-left: .25rem;
  }

  .hamburger span {
    display: block; width: 22px; height: 2px;
    background: rgba(255,255,255,.75); border-radius: 2px;
    transition: all .25s;
  }

  .hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .hamburger.open span:nth-child(2) { opacity: 0; }
  .hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

  @media (max-width: 900px) {
    #hero { grid-template-columns: 1fr; }
    .hero-right { display: none; }
    .what-grid { grid-template-columns: 1fr; }
    .insurance-grid { grid-template-columns: 1fr; }
    .stat-band { grid-template-columns: 1fr; }
    .comp-wrapper { grid-template-columns: 1fr; }
    .why-grid { grid-template-columns: 1fr; }
    .contact-form { padding: 1.6rem; }
    .form-2col { grid-template-columns: 1fr; }
    .stat-band { grid-template-columns: 1fr; }
    .stat-band-item { border-right: none; border-bottom: 1px solid rgba(201,168,76,0.15); }
    footer { flex-direction: column; text-align: center; }

    /* Show hamburger, hide regular nav links by default */
    .hamburger { display: flex; }

    .nav-links {
      display: none;
      position: absolute;
      top: 72px; left: 0; right: 0;
      background: rgba(10,22,40,.98);
      backdrop-filter: blur(12px);
      flex-direction: column;
      padding: 1rem 0 1.5rem;
      border-bottom: 1px solid rgba(201,168,76,.15);
      z-index: 99;
    }

    .nav-links.open { display: flex; }

    .nav-links li { list-style: none; }

    .nav-links a {
      display: block;
      padding: .85rem 2rem;
      font-size: .95rem;
    }

    /* Keep Join and Agents always visible on mobile */
    .nav-join {
      font-size: .78rem !important;
      padding: .4rem .9rem !important;
    }

    .nav-cta {
      font-size: .78rem !important;
      padding: .4rem .9rem !important;
    }
  }

/* ============================================================ */

#login-overlay, #forgot-overlay {
    position: fixed; inset: 0; z-index: 999;
    background: rgba(6, 14, 28, 0.82);
    backdrop-filter: blur(8px);
    display: flex; align-items: center; justify-content: center;
    padding: 1.5rem;
    animation: overlayIn 0.25s ease;
  }

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

  #login-modal, #forgot-modal {
    background: var(--navy);
    border: 1px solid rgba(201,168,76,0.25);
    border-radius: 16px;
    padding: 2.8rem 2.6rem 2.4rem;
    width: 100%;
    max-width: 420px;
    position: relative;
    animation: modalUp 0.3s cubic-bezier(.22,.68,0,1.2);
    box-shadow: 0 32px 80px rgba(0,0,0,0.55);
  }

  @keyframes modalUp {
    from { opacity: 0; transform: translateY(28px) scale(0.97); }
    to   { opacity: 1; transform: translateY(0) scale(1); }
  }

  #login-close, #forgot-close {
    position: absolute; top: 1.2rem; right: 1.2rem;
    background: rgba(255,255,255,0.08);
    border: none; border-radius: 50%;
    width: 34px; height: 34px;
    color: rgba(255,255,255,0.5);
    font-size: 1.2rem; line-height: 1;
    cursor: pointer;
    display: flex; align-items: center; justify-content: center;
    transition: background 0.2s, color 0.2s;
  }

  #login-close:hover, #forgot-close:hover { background: rgba(255,255,255,0.14); color: var(--white); }

  .login-logo {
    font-family: 'Playfair Display', serif;
    color: rgba(255,255,255,0.4);
    font-size: 0.88rem;
    letter-spacing: 0.04em;
    margin-bottom: 1.6rem;
  }

  .login-logo span { color: var(--gold); }

  .login-eyebrow {
    font-size: 0.72rem;
    font-weight: 600;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 0.5rem;
  }

  .login-heading {
    font-family: 'Playfair Display', serif;
    font-size: 1.75rem;
    color: var(--white);
    font-weight: 700;
    margin-bottom: 0.6rem;
  }

  .login-sub {
    font-size: 0.84rem;
    color: rgba(255,255,255,0.45);
    line-height: 1.65;
    margin-bottom: 1.8rem;
  }

  .login-field {
    margin-bottom: 1.1rem;
  }

  .login-field label {
    display: block;
    font-size: 0.74rem;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.45);
    margin-bottom: 0.45rem;
  }

  .login-field input {
    width: 100%;
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: 7px;
    padding: 0.82rem 1rem;
    color: var(--white);
    font-family: 'DM Sans', sans-serif;
    font-size: 0.92rem;
    outline: none;
    transition: border-color 0.2s, background 0.2s;
  }

  .login-field input:focus {
    border-color: var(--gold);
    background: rgba(201,168,76,0.05);
  }

  .pw-wrap { position: relative; }

  .pw-wrap input { padding-right: 3rem; }

  .pw-toggle {
    position: absolute; right: 0.8rem; top: 50%;
    transform: translateY(-50%);
    background: none; border: none;
    cursor: pointer; font-size: 1rem;
    opacity: 0.4;
    transition: opacity 0.2s;
    padding: 0;
    line-height: 1;
  }

  .pw-toggle:hover { opacity: 0.85; }

  .login-row {
    display: flex; align-items: center; justify-content: space-between;
    margin: 0.6rem 0 1.6rem;
  }

  .remember-label {
    display: flex; align-items: center; gap: 0.5rem;
    font-size: 0.82rem;
    color: rgba(255,255,255,0.45);
    cursor: pointer;
  }

  .remember-label input[type="checkbox"] {
    accent-color: var(--gold);
    width: 14px; height: 14px;
  }

  .forgot-link {
    font-size: 0.82rem;
    color: var(--gold);
    text-decoration: none;
    transition: color 0.2s;
  }

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

  .login-btn {
    width: 100%;
    background: var(--gold);
    color: var(--navy);
    border: none;
    border-radius: 7px;
    padding: 0.95rem;
    font-family: 'DM Sans', sans-serif;
    font-size: 0.95rem;
    font-weight: 700;
    cursor: pointer;
    letter-spacing: 0.04em;
    transition: background 0.25s, transform 0.2s;
  }

  .login-btn:hover { background: var(--gold-light); transform: translateY(-1px); }
  .login-btn:active { transform: translateY(0); }
  .login-btn:disabled { opacity: 0.6; cursor: not-allowed; transform: none; }

  .login-error {
    background: rgba(200, 60, 60, 0.12);
    border: 1px solid rgba(200, 60, 60, 0.3);
    border-radius: 7px;
    color: #f08080;
    font-size: 0.83rem;
    padding: 0.7rem 1rem;
    margin-bottom: 1rem;
    display: none;
    line-height: 1.5;
  }

  .login-footer-note {
    text-align: center;
    font-size: 0.8rem;
    color: rgba(255,255,255,0.3);
    margin-top: 1.5rem;
    line-height: 1.65;
  }

  .login-footer-note a {
    color: var(--gold);
    text-decoration: none;
  }

  .login-footer-note a:hover { color: var(--gold-light); }

/* ============================================================ */

#join-overlay {
    position: fixed; inset: 0; z-index: 999;
    background: rgba(6, 14, 28, 0.85);
    backdrop-filter: blur(8px);
    display: flex; align-items: flex-start; justify-content: center;
    padding: 1.5rem;
    overflow-y: auto;
    animation: overlayIn 0.25s ease;
  }

  #join-modal {
    background: var(--navy);
    border: 1px solid rgba(201,168,76,0.25);
    border-radius: 16px;
    padding: 0;
    width: 100%;
    max-width: 560px;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    margin: auto;
    animation: modalUp 0.3s cubic-bezier(.22,.68,0,1.2);
    box-shadow: 0 32px 80px rgba(0,0,0,0.6);
    position: relative;
  }

  .join-header {
    padding: 2.2rem 2.4rem 1.4rem;
    border-bottom: 1px solid rgba(255,255,255,0.07);
    flex-shrink: 0;
  }

  #join-close {
    position: absolute; top: 1.2rem; right: 1.2rem;
    background: rgba(255,255,255,0.08);
    border: none; border-radius: 50%;
    width: 34px; height: 34px;
    color: rgba(255,255,255,0.5);
    font-size: 1.2rem;
    cursor: pointer;
    display: flex; align-items: center; justify-content: center;
    transition: background 0.2s, color 0.2s;
  }

  #join-close:hover { background: rgba(255,255,255,0.14); color: var(--white); }

  .join-logo {
    font-family: 'Playfair Display', serif;
    color: rgba(255,255,255,0.4);
    font-size: 0.88rem;
    margin-bottom: 0.5rem;
  }

  .join-logo span { color: var(--gold); }

  .join-eyebrow {
    font-size: 0.72rem;
    font-weight: 600;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 0.4rem;
  }

  .join-heading {
    font-family: 'Playfair Display', serif;
    font-size: 1.6rem;
    color: var(--white);
    font-weight: 700;
    margin-bottom: 0.4rem;
  }

  .join-sub {
    font-size: 0.83rem;
    color: rgba(255,255,255,0.4);
    line-height: 1.6;
  }

  .join-body {
    padding: 1.6rem 2.4rem 2rem;
  }

  .join-section-label {
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--gold);
    margin: 1.4rem 0 0.9rem;
    padding-bottom: 0.5rem;
    border-bottom: 1px solid rgba(201,168,76,0.15);
  }

  .join-section-label:first-child { margin-top: 0; }

  .join-2col {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0.85rem;
  }

  .join-field {
    margin-bottom: 0.85rem;
  }

  .join-field label {
    display: block;
    font-size: 0.72rem;
    font-weight: 600;
    letter-spacing: 0.07em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.4);
    margin-bottom: 0.4rem;
  }

  .join-field input,
  .join-field select {
    width: 100%;
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: 7px;
    padding: 0.75rem 0.9rem;
    color: var(--white);
    font-family: 'DM Sans', sans-serif;
    font-size: 0.88rem;
    outline: none;
    transition: border-color 0.2s, background 0.2s;
  }

  .join-field input:focus,
  .join-field select:focus {
    border-color: var(--gold);
    background: rgba(201,168,76,0.05);
  }

  .join-field select option { background: var(--navy-mid); }

  .join-pw-wrap { position: relative; }
  .join-pw-wrap input { padding-right: 3rem; }

  .join-pw-toggle {
    position: absolute; right: 0.8rem; top: 50%;
    transform: translateY(-50%);
    background: none; border: none;
    cursor: pointer; font-size: 1rem;
    opacity: 0.4; transition: opacity 0.2s;
    padding: 0; line-height: 1;
  }

  .join-pw-toggle:hover { opacity: 0.85; }

  .join-error {
    background: rgba(200,60,60,0.12);
    border: 1px solid rgba(200,60,60,0.3);
    border-radius: 7px;
    color: #f08080;
    font-size: 0.82rem;
    padding: 0.7rem 1rem;
    margin-bottom: 1rem;
    display: none;
    line-height: 1.5;
  }

  .join-success {
    background: rgba(60,180,100,0.12);
    border: 1px solid rgba(60,180,100,0.3);
    border-radius: 7px;
    color: #7fdfaa;
    font-size: 0.88rem;
    padding: 1rem 1.2rem;
    display: none;
    line-height: 1.6;
    text-align: center;
  }

  .join-footer {
    padding: 1.2rem 2.4rem 1.8rem;
    border-top: 1px solid rgba(255,255,255,0.07);
    flex-shrink: 0;
  }

  .join-btn {
    width: 100%;
    background: var(--gold);
    color: var(--navy);
    border: none;
    border-radius: 7px;
    padding: 0.95rem;
    font-family: 'DM Sans', sans-serif;
    font-size: 0.95rem;
    font-weight: 700;
    cursor: pointer;
    letter-spacing: 0.04em;
    transition: background 0.25s, transform 0.2s;
  }

  .join-btn:hover { background: var(--gold-light); transform: translateY(-1px); }
  .join-btn:disabled { opacity: 0.6; cursor: not-allowed; transform: none; }

  .join-note {
    text-align: center;
    font-size: 0.76rem;
    color: rgba(255,255,255,0.25);
    margin-top: 0.85rem;
    line-height: 1.55;
  }

  @media (max-width: 640px) {
    section { padding: 64px 6%; }
    h1 { font-size: clamp(2.2rem, 8vw, 2.8rem); }
    h2 { font-size: clamp(1.6rem, 6vw, 2rem); }
    .contact-form { padding: 1.4rem; }
    .contact-intro { font-size: .92rem; }
    nav { padding: 0 5%; }
  }

  @media (max-width: 560px) {
    .join-2col { grid-template-columns: 1fr; }
    .join-body { padding: 1.2rem 1.4rem 1.4rem; }
    .join-header { padding: 1.8rem 1.4rem 1.2rem; }
    .join-footer { padding: 1rem 1.4rem 1.4rem; }
    .form-2col { grid-template-columns: 1fr; }
  }
/* ── MFA step ─────────────────────────────────────────────────────────────── */
.login-note {
  background: #e9f7ef;
  color: #1b7a43;
  border: 1px solid #bfe6cd;
  border-radius: 8px;
  padding: .7rem .9rem;
  font-size: .88rem;
  margin-bottom: 1rem;
}
.mfa-remember {
  display: flex;
  align-items: center;
  gap: .5rem;
  margin: .2rem 0 1.1rem;
  font-size: .9rem;
}
#mfa-code {
  letter-spacing: .35em;
  font-size: 1.15rem;
  text-align: center;
  font-weight: 600;
}
.mfa-links {
  display: flex;
  justify-content: space-between;
  margin-top: 1rem;
  font-size: .9rem;
}

.mfa-device-note {
  font-size: .82rem;
  color: #c4cede;
  margin: -.5rem 0 1.15rem;
  line-height: 1.4;
}
.mfa-device-note strong {
  color: var(--gold, #C9A84C);
  font-weight: 600;
}

/* ── Agreement sign step (join) ─────────────────────────────────────────── */
.agr-instructions { font-size:.82rem; color:rgba(255,255,255,.55); line-height:1.6; margin-bottom:.7rem; }
.agr-scroll {
  height:260px; overflow-y:auto; background:#F8F6F0; color:#1a1a1a;
  border:1px solid rgba(201,168,76,.4); border-radius:8px; padding:1rem 1.1rem;
}
.agr-scroll:focus { outline:2px solid var(--gold); outline-offset:1px; }
.agr-content { font-size:.82rem; line-height:1.6; }
.agr-content h2 { font-size:1rem; color:#0A1628; margin:.2rem 0 .5rem; }
.agr-content h3 { font-size:.86rem; color:#0A1628; margin:.9rem 0 .3rem; }
.agr-content p { margin:0 0 .6rem; }
.agr-content .agr-meta { font-style:italic; color:#5a6472; font-size:.78rem; }
.agr-content .agr-end { text-align:center; font-weight:600; color:#0A1628; margin-top:1rem; }
.agr-placeholder-banner {
  background:#FBEDEF; border:1px solid #E4A0AB; color:#9E1B32;
  font-size:.74rem; font-weight:600; line-height:1.45; padding:.55rem .7rem;
  border-radius:6px; margin-bottom:.9rem;
}
.agr-scroll-hint { font-size:.76rem; color:var(--gold); text-align:center; margin:.5rem 0 .2rem; }
.agr-agree-label {
  display:flex; gap:.55rem; align-items:flex-start; font-size:.8rem;
  color:rgba(255,255,255,.7); line-height:1.45; margin:.4rem 0 .2rem;
}
.agr-agree-label input { margin-top:.15rem; flex:0 0 auto; }