/* ============================================================
   SSBC RETIREMENT PREP — SITE STYLES
   ------------------------------------------------------------
   HOW TO REBRAND THIS SITE LATER:
   1. Update the CSS variables in :root below (colors, fonts).
   2. Replace the text "SSBC Retirement Prep" in each HTML file's
      .logo-text with the final business name.
   3. Swap the shield icon (.logo-icon svg) for a real logo file.
   4. Update the domain in the footer copyright line on each page.
   Everything else on the site reads from these variables, so a
   new palette here updates the whole site at once.
   ============================================================ */

:root {
  /* ---- Brand colors (edit these to rebrand) ---- */
  --color-navy-900: #0d2438;
  --color-navy-800: #16324a;
  --color-navy-700: #1e4166;
  --color-navy-600: #27547f;
  --color-blue-600: #2563eb;
  --color-blue-500: #3b7ddb;
  --color-blue-100: #dce9fb;
  --color-white: #ffffff;

  /* ---- Neutrals ---- */
  --color-bg-page: #ffffff;
  --color-bg-soft: #f5f8fc;
  --color-bg-soft-2: #eaf1fb;
  --color-border: #d9e3f0;
  --color-text: #16283b;
  --color-text-muted: #55677c;
  --color-text-on-dark: #f3f7fc;
  --color-text-on-dark-muted: #c3d2e3;

  /* ---- Type ---- */
  --font-display: "Poppins", "Segoe UI", sans-serif;
  --font-body: "Inter", "Segoe UI", sans-serif;

  /* ---- Layout ---- */
  --max-width: 1400px;
  --radius-md: 10px;
  --radius-lg: 18px;
  --shadow-card: 0 10px 30px rgba(15, 40, 70, 0.08);
  --shadow-float: 0 14px 34px rgba(15, 40, 70, 0.22);
}

/* ---------------- Reset & base ---------------- */
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--color-text);
  background: var(--color-bg-page);
  font-size: 18px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--color-text);
  line-height: 1.15;
  margin: 0 0 0.5em 0;
  font-weight: 700;
}

p { margin: 0 0 1em 0; }

a { color: inherit; text-decoration: none; }

img { max-width: 100%; display: block; }

button { font-family: inherit; cursor: pointer; }

:focus-visible {
  outline: 3px solid var(--color-blue-600);
  outline-offset: 3px;
}

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 28px;
}

.eyebrow {
  display: block;
  font-family: var(--font-display);
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-blue-600);
  font-size: 15px;
  margin-bottom: 12px;
}

.section {
  padding: 88px 0;
}

.section-tight {
  padding: 56px 0;
}

.section-soft {
  background: var(--color-bg-soft);
}

/* ---------------- Buttons ---------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 17px;
  padding: 15px 30px;
  border-radius: 999px;
  border: 2px solid transparent;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
}
.btn:hover { transform: translateY(-2px); }

.btn-primary {
  background: var(--color-blue-600);
  color: var(--color-white);
  box-shadow: 0 10px 22px rgba(37, 99, 235, 0.32);
}
.btn-primary:hover { background: #1d4fd1; }

.btn-ghost-light {
  border-color: rgba(255, 255, 255, 0.65);
  color: var(--color-white);
  background: transparent;
}
.btn-ghost-light:hover { background: rgba(255, 255, 255, 0.12); }

.btn-outline {
  border-color: var(--color-blue-600);
  color: var(--color-blue-600);
  background: var(--color-white);
}
.btn-outline:hover { background: var(--color-blue-100); }

/* ---------------- Header ---------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--color-white);
  border-bottom: 1px solid var(--color-border);
}

.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 96px;
}

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

.brand-logo-image {
  display: block;
  width: auto;
  height: 64px;
  max-width: 176px;
  object-fit: contain;
}

.logo-icon {
  width: 38px;
  height: 38px;
  flex-shrink: 0;
  color: var(--color-blue-600);
}

.logo-text {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 21px;
  color: var(--color-navy-900);
  letter-spacing: -0.01em;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 40px;
}

.main-nav > ul {
  list-style: none;
  display: flex;
  gap: 20px;
  margin: 0;
  padding: 0;
}

.main-nav a {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 16px;
  color: var(--color-navy-900);
  padding: 8px 2px;
  border-bottom: 2px solid transparent;
}

.main-nav a:hover,
.main-nav a[aria-current="page"] {
  color: var(--color-blue-600);
  border-bottom-color: var(--color-blue-600);
}

.planning-menu { position: relative; }
.planning-menu > a::after { content: "\25BE"; display: inline-block; margin-left: 5px; font-size: 11px; vertical-align: 1px; }
.planning-submenu { display: none; position: absolute; z-index: 20; top: calc(100% + 6px); left: -16px; min-width: 210px; margin: 0; padding: 10px 16px; list-style: none; background: var(--color-white); border: 1px solid var(--color-border); border-radius: var(--radius-md); box-shadow: var(--shadow-card); }
.planning-menu:hover .planning-submenu,
.planning-menu:focus-within .planning-submenu { display: block; }
.planning-submenu a { display: block; padding: 10px 2px; font-size: 15px; white-space: nowrap; }

.header-actions {
  display: flex;
  align-items: center;
  gap: 22px;
}

.icon-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  color: var(--color-navy-900);
  background: transparent;
  border: none;
}
.icon-btn:hover { background: var(--color-bg-soft-2); }

.menu-toggle { display: none; }

@media (max-width: 1100px) {
  .main-nav > ul { display: none; }
  .menu-toggle { display: inline-flex; }

  .main-nav.nav-open > ul {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 96px;
    left: 0;
    right: 0;
    background: var(--color-white);
    padding: 18px 28px 26px;
    gap: 6px;
    box-shadow: var(--shadow-card);
    border-bottom: 1px solid var(--color-border);
  }
  .main-nav.nav-open a { display: block; padding: 12px 0; }
  .main-nav.nav-open .planning-submenu { display: block; position: static; min-width: 0; margin: 0 0 4px 14px; padding: 0 0 0 16px; border: 0; border-left: 2px solid var(--color-border); border-radius: 0; box-shadow: none; }
  .main-nav.nav-open .planning-submenu a { padding: 10px 0; }
}

/* ---------------- Hero (Home) ---------------- */
.hero {
  position: relative;
  background-image: url(img/banner1.jpg );
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  color: var(--color-text-on-dark);
  overflow: hidden;
}

.hero-inner {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  min-height: 560px;
  gap: 40px;
}

.hero-copy { position: relative; z-index: 2; padding: 70px 0; }

.hero-copy h1 {
  color: var(--color-white);
  font-size: 52px;
  font-weight: 800;
  letter-spacing: -0.01em;
  margin-bottom: 26px;
}

.hero-kicker {
  display: flex;
  align-items: baseline;
  gap: 14px;
  margin-bottom: 14px;
}

.hero-kicker .brand-underline {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 16px;
  color: var(--color-white);
  position: relative;
  padding-bottom: 8px;
}
.hero-kicker .brand-underline::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  width: 46px;
  height: 3px;
  background: var(--color-blue-500);
}

.hero-copy .lede {
  color: var(--color-text-on-dark-muted);
  font-size: 18px;
  max-width: 420px;
  margin-bottom: 30px;
}

.hero-watch {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  color: var(--color-white);
  font-family: var(--font-display);
  font-weight: 600;
}

.hero-watch .play-circle {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  border: 2px solid rgba(255, 255, 255, 0.7);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: background 0.15s ease;
}
.hero-watch:hover .play-circle { background: rgba(255, 255, 255, 0.15); }

.hero-photo-frame {
  position: relative;
  height: 100%;
  min-height: 480px;
  border-radius: var(--radius-lg);
  overflow: hidden;
}

.hero-photo-frame .photo-placeholder {
  position: absolute;
  inset: 0;
}

.hero-float-card {
  position: absolute;
  top: 34px;
  right: 6%;
  z-index: 3;
  background: rgba(255, 255, 255, 0.97);
  border-radius: 999px;
  padding: 10px 20px 10px 10px;
  display: flex;
  align-items: center;
  gap: 12px;
  box-shadow: var(--shadow-float);
}

.hero-float-card .avatars {
  display: flex;
}
.hero-float-card .avatars span {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  border: 2px solid #fff;
  margin-left: -10px;
  background: var(--color-blue-100);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--color-blue-600);
}
.hero-float-card .avatars span:first-child { margin-left: 0; }

.hero-float-card .check {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--color-blue-600);
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.hero-float-card .float-title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 15px;
  color: var(--color-navy-900);
}
.hero-float-card .float-sub {
  font-size: 13px;
  color: var(--color-text-muted);
}

/* Stat strip overlapping hero bottom */
.stat-strip {
  position: relative;
  z-index: 4;
  margin: 0 auto;
  max-width: calc(var(--max-width) - 56px);
  transform: translateY(50%);
  background: rgba(22, 50, 74, 0.62);
  backdrop-filter: blur(6px);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius-lg);
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}

.stat-strip .stat {
  text-align: center;
  padding: 30px 20px;
  border-right: 1px solid rgba(255, 255, 255, 0.18);
}
.stat-strip .stat:last-child { border-right: none; }

.stat-strip .stat h3 {
  color: var(--color-white);
  font-size: 26px;
  margin-bottom: 6px;
}

.stat-strip .stat p {
  color: var(--color-text-on-dark-muted);
  font-size: 15px;
  margin: 0;
}

.hero-spacer { height: 90px; }

/* ---------------- Photo placeholder blocks ---------------- */
.photo-placeholder {
  background-image: url(img/banner2.jpg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-blue-600);
  border-radius: var(--radius-lg);
  min-height: 260px;
  background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    display: flex;
}
.photo-placeholder.on-dark {
  background-image: url(img/banner1.jpg);
  color: rgba(255,255,255,0.85);
}
.photo-placeholder svg { width: 56px; height: 56px; }
.photo-placeholder .ph-label {
  position: absolute;
  bottom: 16px;
  left: 16px;
  right: 16px;
  font-family: var(--font-body);
  font-size: 12px;
  color: inherit;
  opacity: 0.75;
}
.photo-placeholder-wrap { position: relative; }

/* ---------------- What We Do (split section) ---------------- */
.split {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 60px;
  align-items: center;
}

.split h2 { font-size: 38px; }

.split .body-copy { color: var(--color-text-muted); font-size: 18px; max-width: 480px; }
.split-actions { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; margin-top: 18px; }

.split-media {
  width: 100%;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-card);
  min-height: 380px;
}
.split-media > img { width: 100%; height: 100%; object-fit: cover; }

/* ---------------- Services grid ---------------- */
.services-head { margin-bottom: 40px; }
.services-head h2 { font-size: 40px; }

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.service-card {
  display: flex;
  align-items: center;
  gap: 18px;
  padding: 26px 24px;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  background: var(--color-white);
  transition: box-shadow 0.15s ease, border-color 0.15s ease, transform 0.15s ease;
}
.service-card:hover {
  box-shadow: var(--shadow-card);
  border-color: var(--color-blue-500);
  transform: translateY(-2px);
}

.service-card .service-icon {
  width: 52px;
  height: 52px;
  flex-shrink: 0;
  border-radius: 12px;
  background: var(--color-bg-soft-2);
  color: var(--color-blue-600);
  display: inline-flex;
  align-items: center;
  justify-content: center;
}
.service-card .service-icon svg { width: 26px; height: 26px; }

.service-card h3 {
  font-size: 20px;
  margin: 0;
}
.service-card-link { color: inherit; text-decoration: none; }

/* Longer service descriptions sit below the title row, not beside it. */
.service-card-detail {
  display: grid;
  grid-template-columns: 52px minmax(0, 1fr);
  column-gap: 18px;
  row-gap: 18px;
  align-items: center;
}
.service-card-detail .service-icon { grid-column: 1; grid-row: 1; }
.service-card-detail h3 { grid-column: 2; grid-row: 1; }
.service-card-detail p {
  grid-column: 1 / -1;
  margin: 0;
  padding-top: 16px;
  border-top: 1px solid var(--color-border);
  color: var(--color-text-muted);
  font-size: 16px;
  line-height: 1.55;
}

.consultation-panel { max-width: 980px; margin: 0 auto; padding: 42px; border: 1.5px solid var(--color-border); border-radius: var(--radius-lg); background: var(--color-white); box-shadow: var(--shadow-card); }
.consultation-panel h2 { max-width: 720px; }
.consultation-options { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; margin-top: 28px; }
.consultation-options > div { padding: 24px; border-radius: var(--radius-md); background: var(--color-bg-soft); border: 1px solid var(--color-border); }
.consultation-options h3 { font-size: 19px; margin-bottom: 8px; }
.consultation-options p { color: var(--color-text-muted); font-size: 16px; line-height: 1.6; margin: 0; }
.consultation-choice { display: grid; gap: 6px; margin-top: 22px; padding: 18px 20px; border-left: 4px solid var(--color-blue-600); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; background: var(--color-bg-soft-2); color: var(--color-navy-900); font-size: 17px; line-height: 1.55; }
.consultation-choice strong { font-family: var(--font-display); font-size: 18px; }

.disclaimer-text {
  text-align: center;
  color: var(--color-text-muted);
  font-size: 14.5px;
  max-width: 720px;
  margin: 44px auto 0;
}

/* ---------------- Page hero banner (interior pages) ---------------- */
.page-banner {
  background: linear-gradient(115deg, var(--color-navy-900) 10%, var(--color-navy-700) 100%);
  color: var(--color-white);
  padding: 74px 0 84px;
  position: relative;
  overflow: hidden;
}
.page-banner .eyebrow { color: var(--color-blue-500); }
.page-banner h1 {
  color: var(--color-white);
  font-size: 44px;
  margin-bottom: 16px;
  max-width: 700px;
}
.page-banner p.lede {
  color: var(--color-text-on-dark-muted);
  font-size: 19px;
  max-width: 640px;
  margin: 0;
}
.page-banner .banner-shape {
  position: absolute;
  right: -80px;
  top: -80px;
  width: 340px;
  height: 340px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.05);
}

/* ---------------- Two-column content blocks ---------------- */
.content-block {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}
.content-block.reverse .content-media { order: 2; }
.content-block h2 { font-size: 32px; }
.content-block .body-copy { color: var(--color-text-muted); }
.content-media {
  border-radius: var(--radius-lg);
  overflow: hidden;
  min-height: 300px;
  box-shadow: var(--shadow-card);
}
.service-photo-wrap { margin: 0; overflow: hidden; border-radius: var(--radius-lg); box-shadow: var(--shadow-card); }
.service-photo { display: block; width: 100%; min-height: 320px; height: 100%; object-fit: cover; object-position: center; }
.pricing-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 28px; max-width: 920px; margin: 0 auto; }
.pricing-card { min-height: 350px; padding: 36px; border: 2px solid #b8d3ec; border-radius: var(--radius-lg); background: var(--color-white); box-shadow: 0 10px 26px rgba(25, 57, 91, 0.08); }
.pricing-card h3 { margin: 8px 0 14px; color: var(--color-navy-900); font-size: 28px; line-height: 1.18; }
.pricing-label { margin: 0; color: #1558a5; font-family: var(--font-display); font-size: 15px; font-weight: 800; letter-spacing: 0.08em; text-transform: uppercase; }
.pricing-amount { display: flex; align-items: baseline; flex-wrap: wrap; gap: 10px; margin: 0 0 22px; color: var(--color-navy-900); }
.pricing-amount span { font-family: var(--font-display); font-size: 56px; font-weight: 800; line-height: 1; letter-spacing: -0.04em; }
.pricing-amount small { color: #36536e; font-size: 19px; font-weight: 700; }
.pricing-card > p:not(.pricing-label):not(.pricing-amount):not(.pricing-credit) { color: #28455f; font-size: 18px; line-height: 1.6; }
.pricing-card-featured { border-color: var(--color-blue-600); background: linear-gradient(145deg, #ffffff 0%, #edf6ff 100%); box-shadow: 0 14px 34px rgba(37, 99, 235, 0.17); }
.pricing-credit { margin: 24px 0 0; padding: 14px 16px; border-radius: var(--radius-sm); background: #dcf3e4; color: #165c37; font-size: 17px; font-weight: 700; line-height: 1.45; }
.pricing-note { max-width: 920px; margin: 26px auto 0; padding: 17px 20px; border-left: 5px solid var(--color-blue-600); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; background: var(--color-white); color: #294760; font-size: 17px; line-height: 1.55; }

/* ---------------- About Bryan ---------------- */
.bryan-profile { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 72px; align-items: center; max-width: 1120px; margin: 0 auto; }
.bryan-profile h2 { font-size: 38px; }
.bryan-profile-copy .body-copy { color: var(--color-text-muted); max-width: 570px; }
.bryan-portrait { position: relative; margin: 0; overflow: hidden; border-radius: var(--radius-lg); box-shadow: var(--shadow-card); background: var(--color-blue-100); }
.bryan-portrait img { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; object-position: center top; }
.bryan-portrait figcaption { position: absolute; left: 18px; bottom: 18px; padding: 8px 13px; border-radius: 999px; background: rgba(255,255,255,0.92); color: var(--color-navy-900); font-family: var(--font-display); font-size: 14px; font-weight: 700; }
.career-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.career-card { display: flex; align-items: center; gap: 22px; padding: 32px; background: var(--color-white); border: 1.5px solid var(--color-border); border-radius: var(--radius-lg); }
.career-number { width: 70px; height: 70px; flex: 0 0 70px; display: inline-flex; align-items: center; justify-content: center; border-radius: 16px; background: var(--color-blue-100); color: var(--color-blue-600); font-family: var(--font-display); font-size: 20px; font-weight: 800; }
.career-card h3 { font-size: 20px; margin-bottom: 7px; }
.career-card p { margin: 0; color: var(--color-text-muted); font-size: 16px; }
.career-recognition { display: grid; grid-template-columns: 180px 1fr; gap: 30px; align-items: center; max-width: 860px; margin: 28px auto 0; padding: 22px 28px; border: 1.5px solid var(--color-border); border-radius: var(--radius-lg); background: var(--color-white); }
.career-recognition figure { margin: 0; overflow: hidden; border-radius: 8px; border: 1px solid var(--color-border); background: #fff; }
.career-recognition img { width: 100%; height: 190px; object-fit: cover; object-position: top center; }
.career-recognition .eyebrow { margin-bottom: 6px; font-size: 13px; }
.career-recognition h3 { font-size: 23px; margin-bottom: 8px; }
.career-recognition p { max-width: 550px; margin: 0; color: var(--color-text-muted); }
.heritage-copy .body-copy { color: var(--color-text-muted); }
.heritage-gallery { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.heritage-gallery figure { margin: 0; overflow: hidden; border-radius: var(--radius-md); background: var(--color-bg-soft); }
.heritage-gallery img { width: 100%; height: 310px; object-fit: cover; }
.heritage-gallery figure:first-child img { object-position: center top; }
.heritage-gallery figure:last-child img { object-position: center; }
.heritage-gallery figcaption { padding: 11px 13px; color: var(--color-text-muted); font-size: 13px; }
.about-expectations { display: grid; grid-template-columns: 1.35fr 0.65fr; gap: 38px; align-items: stretch; }
.about-info-grid { grid-template-columns: 1fr; gap: 14px; }
.about-info-grid .info-card { padding: 23px 24px; }
.about-info-grid .info-card h3 { margin-bottom: 5px; }
.lifestyle-photo { margin: 0; min-height: 100%; overflow: hidden; border-radius: var(--radius-lg); box-shadow: var(--shadow-card); background: var(--color-blue-100); }
.lifestyle-photo img { width: 100%; height: 100%; min-height: 490px; object-fit: cover; object-position: center; }

/* ---------------- Steps / process ---------------- */
.steps-list {
  display: grid;
  gap: 22px;
}
.step-item {
  display: flex;
  gap: 20px;
  align-items: flex-start;
  padding: 24px;
  background: var(--color-white);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
}
.step-num {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--color-blue-600);
  color: #fff;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 18px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}
.step-item h3 { font-size: 19px; margin-bottom: 6px; }
.step-item p { color: var(--color-text-muted); margin: 0; font-size: 16.5px; }

/* ---------------- FAQ / accordion ---------------- */
.faq-item {
  border-bottom: 1.5px solid var(--color-border);
}
.faq-item:first-child { border-top: 1.5px solid var(--color-border); }

.faq-question {
  width: 100%;
  background: none;
  border: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 22px 4px;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 18px;
  color: var(--color-navy-900);
  text-align: left;
}
.faq-question .faq-icon {
  flex-shrink: 0;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  border: 1.5px solid var(--color-blue-600);
  color: var(--color-blue-600);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.2s ease;
}
.faq-item[open] .faq-icon { transform: rotate(45deg); }
.faq-answer {
  padding: 0 34px 22px 4px;
  color: var(--color-text-muted);
  font-size: 16.5px;
}

/* ---------------- Callout / CTA band ---------------- */
.callout {
  background: var(--color-navy-900);
  background: linear-gradient(115deg, var(--color-navy-900), var(--color-navy-700));
  color: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 56px 60px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  flex-wrap: wrap;
}
.callout h2 { color: var(--color-white); font-size: 30px; margin-bottom: 8px; }
.callout p { color: var(--color-text-on-dark-muted); margin: 0; }
.callout-actions { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }

/* ---------------- Info / highlight cards ---------------- */
.info-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.info-card {
  padding: 30px 26px;
  border-radius: var(--radius-md);
  background: var(--color-bg-soft);
  border: 1.5px solid var(--color-border);
}
.info-card .service-icon {
  width: 48px; height: 48px; border-radius: 12px;
  background: var(--color-white);
  color: var(--color-blue-600);
  display: inline-flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
}
.info-card .service-icon svg { width: 24px; height: 24px; }
.info-card h3 { font-size: 20px; }
.info-card p { color: var(--color-text-muted); font-size: 16px; line-height: 1.6; margin: 0; }

/* ---------------- Contact page ---------------- */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
  align-items: start;
}

.contact-form {
  background: var(--color-white);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-card);
}

.form-row { margin-bottom: 20px; }
.form-row label {
  display: block;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 15.5px;
  margin-bottom: 8px;
  color: var(--color-navy-900);
}
.form-row input,
.form-row textarea,
.form-row select {
  width: 100%;
  padding: 14px 16px;
  border-radius: 8px;
  border: 1.5px solid var(--color-border);
  font-family: var(--font-body);
  font-size: 16.5px;
  color: var(--color-text);
  background: var(--color-bg-soft);
}
.form-row input:focus,
.form-row textarea:focus,
.form-row select:focus {
  border-color: var(--color-blue-600);
  outline: none;
  background: var(--color-white);
}
.form-row textarea { min-height: 130px; resize: vertical; }

.contact-info-card {
  background: var(--color-bg-soft);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 32px;
  margin-bottom: 22px;
}
.contact-info-card h3 { font-size: 19px; margin-bottom: 18px; }
.contact-line {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  margin-bottom: 16px;
}
.contact-line:last-child { margin-bottom: 0; }
.contact-line .c-icon {
  width: 40px; height: 40px; border-radius: 10px;
  background: var(--color-white);
  color: var(--color-blue-600);
  display: inline-flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.contact-line .c-icon svg { width: 20px; height: 20px; }
.contact-line strong { display: block; font-family: var(--font-display); font-size: 15.5px; color: var(--color-navy-900); }
.contact-line span { color: var(--color-text-muted); font-size: 15.5px; }

.payment-card {
  background: linear-gradient(115deg, var(--color-navy-900), var(--color-navy-700));
  color: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 32px;
}
.payment-card h3 { color: var(--color-white); font-size: 19px; }
.payment-card p { color: var(--color-text-on-dark-muted); font-size: 16px; line-height: 1.6; }
.planning-reminder-card { margin-top: 22px; background: linear-gradient(115deg, var(--color-navy-800), var(--color-navy-700)); }
.planning-reminder-card .btn { margin-top: 8px; }
.venmo-pill {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(255,255,255,0.1);
  border: 1.5px solid rgba(255,255,255,0.3);
  padding: 12px 20px;
  border-radius: 999px;
  font-family: var(--font-display);
  font-weight: 600;
  margin-top: 6px;
}

/* ---------------- Planning questionnaire ---------------- */
.form-page { background: linear-gradient(180deg, #f5f9ff 0, var(--color-bg-page) 520px); }
.form-intro { max-width: 1080px; margin: 0 auto 26px; }
.form-intro h2 { font-size: 34px; margin-bottom: 10px; }
.form-intro p { color: var(--color-text-muted); max-width: 690px; }
.form-safety-note { max-width: 1080px; display: flex; gap: 12px; align-items: flex-start; margin: 0 auto 26px; padding: 16px 18px; border: 1px solid #b7d0ec; border-radius: var(--radius-md); background: #f3f8ff; color: #38536e; line-height: 1.55; }
.form-safety-note strong { flex: 0 0 auto; color: var(--color-navy-900); font-family: var(--font-display); }
.form-safety-note a { color: var(--color-blue-700); font-weight: 700; text-decoration: underline; }
.contact-safety-note { display: grid; gap: 5px; margin: 0 0 18px; font-size: 16px; }
.questionnaire-contact-reminder { margin: 0 0 14px; color: var(--color-text-muted); font-size: 16px; line-height: 1.55; }
.contact-form .btn[disabled] { cursor: not-allowed; opacity: 0.6; transform: none; box-shadow: none; }
.form-progress { max-width: 1120px; display: grid; grid-template-columns: repeat(6, 1fr); gap: 8px; margin: 0 auto 28px; padding: 0; list-style: none; }
.form-progress li { display: flex; align-items: center; gap: 8px; padding: 10px 8px; border-radius: 10px; color: var(--color-text-muted); font-size: 14px; font-family: var(--font-display); font-weight: 600; white-space: nowrap; cursor: pointer; transition: background 0.15s ease, color 0.15s ease; }
.form-progress li:hover { background: rgba(37, 99, 235, 0.08); color: var(--color-navy-900); }
.form-progress li:focus-visible { outline: 3px solid rgba(37, 99, 235, 0.35); outline-offset: 2px; }
.form-progress span { width: 25px; height: 25px; border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; background: var(--color-white); border: 1.5px solid var(--color-border); color: var(--color-blue-600); font-size: 12px; }
.form-progress .is-current { color: var(--color-navy-900); background: rgba(37, 99, 235, 0.1); }
.form-progress .is-current span { background: var(--color-blue-600); border-color: var(--color-blue-600); color: var(--color-white); }
.form-progress .is-complete { color: #187044; background: #e8f7ee; }
.form-progress .is-complete span { background: #24915a; border-color: #24915a; color: transparent; font-size: 0; }
.form-progress .is-complete span::after { content: "\2713"; }
.form-progress .is-complete span::after { content: "✓"; color: var(--color-white); font-size: 15px; font-weight: 800; }
.planning-form { max-width: 1120px; margin: 0 auto; }
.planning-form fieldset { position: relative; margin: 0 0 24px; padding: 34px 32px 16px; border: 1px solid #d9e5f3; border-radius: var(--radius-lg); background: var(--color-white); box-shadow: 0 8px 24px rgba(25, 57, 91, 0.05); }
.planning-form fieldset::before { content: ""; position: absolute; top: 0; left: 28px; right: 28px; height: 4px; border-radius: 0 0 4px 4px; background: linear-gradient(90deg, var(--color-blue-600), #77a7ff); }
.planning-form legend { padding: 0 8px; font-family: var(--font-display); font-weight: 700; font-size: 22px; color: var(--color-navy-900); }
.planning-form .form-row { margin-bottom: 22px; }
.planning-form .form-row label { color: #203a54; }
.planning-form .form-row label span[aria-hidden="true"] { color: #dc3f5c; }
.planning-form .form-row input, .planning-form .form-row select, .planning-form .form-row textarea { min-height: 52px; border-color: #cedcea; background: #fbfdff; transition: border-color 0.15s ease, box-shadow 0.15s ease, background 0.15s ease; }
.planning-form .form-row textarea { min-height: 138px; }
.planning-form .form-row input:hover, .planning-form .form-row select:hover, .planning-form .form-row textarea:hover { border-color: #aac4e2; background: var(--color-white); }
.planning-form .form-row input:focus, .planning-form .form-row select:focus, .planning-form .form-row textarea:focus { box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.12); }
.form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0 20px; }
.form-row-full { grid-column: 1 / -1; }
.fieldset-note { color: var(--color-text-muted); font-size: 16px; }
.captcha-placeholder { display: flex; flex-direction: column; gap: 4px; max-width: 500px; padding: 18px 20px; margin: 4px 0 24px; border: 1.5px dashed #a9c4e1; border-radius: var(--radius-md); background: #f5f9ff; font-size: 15px; color: var(--color-text-muted); }
.captcha-placeholder strong { color: var(--color-navy-900); font-family: var(--font-display); }
.planning-form .btn[disabled] { cursor: not-allowed; opacity: 0.6; transform: none; box-shadow: none; }
.thank-you-page { min-height: 560px; display: flex; align-items: center; background: linear-gradient(180deg, #f5f9ff, var(--color-bg-page)); }
.thank-you-card { max-width: 760px; margin: 0 auto; padding: 58px 60px; text-align: center; background: var(--color-white); border: 1px solid #d9e5f3; border-radius: var(--radius-lg); box-shadow: var(--shadow-card); }
.thank-you-card h1 { font-size: 40px; margin-bottom: 16px; }
.thank-you-card > p { color: var(--color-text-muted); max-width: 610px; margin: 0 auto 28px; }
.thank-you-check { width: 62px; height: 62px; margin: 0 auto 22px; display: inline-flex; align-items: center; justify-content: center; border-radius: 50%; background: #e5f5ec; color: #25834a; font-size: 32px; font-weight: 700; }
.thank-you-contact { display: flex; flex-direction: column; gap: 5px; margin: 0 auto 30px; padding: 18px; border-radius: var(--radius-md); background: var(--color-bg-soft); color: var(--color-text-muted); font-size: 16px; }
.thank-you-contact strong { color: var(--color-navy-900); font-family: var(--font-display); }

/* ---------------- Client portal ---------------- */
.portal-page { background: #f5f8fc; }
.portal-header { background: var(--color-white); border-bottom: 1px solid var(--color-border); }
.portal-header .container { min-height: 80px; display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.portal-account { display: flex; align-items: center; gap: 10px; color: var(--color-navy-900); font-size: 14px; }
.portal-account-actions { display: flex; align-items: center; gap: 18px; }
.portal-sign-out { padding: 9px 16px; font-size: 14px; }
.portal-account small { display: block; color: var(--color-text-muted); }
.portal-avatar { width: 38px; height: 38px; display: inline-flex; align-items: center; justify-content: center; border-radius: 50%; background: var(--color-blue-100); color: var(--color-blue-600); font-family: var(--font-display); font-size: 12px; font-weight: 700; }
.portal-shell { display: grid; grid-template-columns: 235px 1fr; gap: 38px; padding-top: 42px; padding-bottom: 62px; }
.portal-sidebar { align-self: start; padding: 22px 16px; border-radius: var(--radius-lg); background: var(--color-white); border: 1px solid var(--color-border); }
.portal-label { display: block; margin: 0 10px 12px; color: var(--color-text-muted); font-family: var(--font-display); font-size: 13px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; }
.portal-sidebar nav { display: grid; gap: 3px; }
.portal-sidebar nav a { padding: 11px 10px; border-radius: 8px; color: var(--color-navy-900); font-family: var(--font-display); font-size: 15px; font-weight: 600; }
.portal-sidebar nav a.is-active, .portal-sidebar nav a:hover { color: var(--color-blue-600); background: var(--color-blue-100); }
.portal-side-note { display: grid; gap: 4px; margin: 30px 4px 2px; padding-top: 22px; border-top: 1px solid var(--color-border); color: var(--color-text-muted); font-size: 13px; }
.portal-side-note strong { color: var(--color-navy-900); font-family: var(--font-display); }
.portal-content-head { display: flex; justify-content: space-between; align-items: flex-end; gap: 24px; margin-bottom: 30px; }
.portal-content-head h1 { font-size: 40px; margin-bottom: 8px; }
.portal-content-head p { color: var(--color-text-muted); margin: 0; }
.portal-stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-bottom: 24px; }
.portal-view-toggle { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 18px; }
.portal-view-toggle button { padding: 11px 16px; border: 1.5px solid var(--color-border); border-radius: 999px; background: var(--color-white); color: var(--color-navy-900); font-family: var(--font-display); font-size: 14px; font-weight: 600; }
.portal-view-toggle button:hover, .portal-view-toggle button.is-active { border-color: var(--color-blue-600); background: var(--color-blue-600); color: var(--color-white); }
.portal-view[hidden] { display: none; }
.portal-message-note { display: grid; gap: 4px; max-width: 760px; margin-top: 18px; padding: 18px 20px; border-radius: var(--radius-md); background: var(--color-blue-100); color: var(--color-text-muted); font-size: 15px; }
.portal-message-note strong { color: var(--color-navy-900); font-family: var(--font-display); }
.portal-stat { padding: 22px 24px; background: var(--color-white); border: 1px solid var(--color-border); border-radius: var(--radius-md); }
.portal-stat span, .portal-stat small { display: block; color: var(--color-text-muted); font-size: 14px; }
.portal-stat strong { display: block; margin: 5px 0; color: var(--color-navy-900); font-family: var(--font-display); font-size: 34px; }
.portal-table-card { overflow: hidden; background: var(--color-white); border: 1px solid var(--color-border); border-radius: var(--radius-lg); }
.portal-table-head { display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 26px 28px; border-bottom: 1px solid var(--color-border); }
.portal-table-head h2 { margin: 0 0 3px; font-size: 22px; }
.portal-table-head p { margin: 0; color: var(--color-text-muted); font-size: 14px; }
.portal-private { padding: 7px 11px; border-radius: 999px; background: #edf8f1; color: #237648; font-family: var(--font-display); font-size: 12px; font-weight: 700; }
.portal-table-wrap { overflow-x: auto; }
.portal-table-card table { width: 100%; min-width: 680px; border-collapse: collapse; text-align: left; }
.portal-table-card th { padding: 14px 28px; color: var(--color-text-muted); font-family: var(--font-display); font-size: 12px; letter-spacing: 0.04em; text-transform: uppercase; }
.portal-table-card td { padding: 19px 28px; border-top: 1px solid var(--color-border); color: var(--color-text-muted); font-size: 15px; }
.portal-table-card td strong { color: var(--color-navy-900); }
.portal-status { display: inline-flex; padding: 5px 10px; border-radius: 999px; font-family: var(--font-display); font-size: 12px; font-weight: 700; }
.portal-status.is-new { background: var(--color-blue-100); color: var(--color-blue-600); }
.portal-status.is-review { background: #fff5db; color: #947000; }
.portal-status.is-complete { background: #edf8f1; color: #237648; }
.portal-detail { display: flex; align-items: center; justify-content: space-between; gap: 20px; margin-top: 24px; padding: 26px 28px; background: #eaf2ff; border-radius: var(--radius-lg); }
.portal-detail h2 { margin: 0 0 4px; font-size: 23px; }
.portal-detail p { margin: 0; color: var(--color-text-muted); font-size: 14px; }
.portal-detail-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.portal-footer { padding: 24px 0; border-top: 1px solid var(--color-border); background: var(--color-white); color: var(--color-text-muted); font-size: 14px; }
.portal-footer .container { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }

/* ---------------- Footer ---------------- */
.site-footer {
  background: var(--color-navy-900);
  color: var(--color-text-on-dark-muted);
  padding: 64px 0 28px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 40px;
  padding-bottom: 44px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}
.footer-brand .logo { display: inline-flex; padding: 8px 12px; border-radius: 10px; background: var(--color-white); }
.footer-brand .brand-logo-image { height: 52px; max-width: 140px; }
.footer-brand p { margin-top: 14px; font-size: 15px; max-width: 280px; }
.footer-col h4 {
  color: var(--color-white);
  font-size: 15px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.footer-col ul { list-style: none; margin: 0; padding: 0; }
.footer-col li { margin-bottom: 12px; font-size: 15.5px; }
.footer-col a:hover { color: var(--color-white); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  padding-top: 24px;
  font-size: 14px;
}

/* ---------------- Responsive ---------------- */
@media (max-width: 1600px) {
    .hero {
        background-position: 82% center;
    }
}
@media (max-width: 980px) {
  .hero-copy h1,
  .hero-copy .lede,
  .hero-kicker .brand-underline,
  .hero-watch { text-shadow: 3px 1px 10px rgb(4 6 19); }
  .hero-copy .lede {
    color: #ffffff;
    font-size: 26px;
    max-width: 420px;
    margin-bottom: 30px;
    font-weight: 600;
  }
  .hero-float-card{display: none;}
  .hero-inner { grid-template-columns: 1fr; min-height: auto; }
  .hero-photo-frame { min-height: 320px; order: -1; margin-top: 30px; }
  .stat-strip { grid-template-columns: repeat(2, 1fr); position: static; transform: none; margin-top: 30px; }
  .stat-strip .stat:nth-child(2) { border-right: none; }
  .hero-spacer { display: none; }
  .split, .content-block { grid-template-columns: 1fr; }
  .split-media { min-height: 0; }
  .split-actions { align-items: flex-start; }
  .split-media > img { height: auto; max-height: 480px; }
  .bryan-profile { grid-template-columns: 1fr; gap: 36px; }
  .about-expectations { grid-template-columns: 1fr; }
  .lifestyle-photo { max-width: 620px; }
  .bryan-portrait { max-width: 520px; }
  .career-grid { grid-template-columns: 1fr; }
  .career-recognition { grid-template-columns: 150px 1fr; }
  .content-block.reverse .content-media { order: 0; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .info-grid { grid-template-columns: 1fr; }
  .pricing-grid { gap: 20px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .form-row-full { grid-column: auto; }
  .form-progress { grid-template-columns: repeat(3, 1fr); }
}




@media (max-width: 640px) {
  body { font-size: 17px; }
  .consultation-panel { padding: 28px 22px; }
  .consultation-options { grid-template-columns: 1fr; }
  .site-header .container { height: 88px; }
  .brand-logo-image { height: 56px; max-width: 152px; }
  .main-nav.nav-open > ul { top: 88px; }
  .hero {background-position: 83% center }
  .hero-copy h1 { font-size: 36px; }
  .section { padding: 56px 0; }
  .services-grid { grid-template-columns: 1fr; }
  .pricing-grid { grid-template-columns: 1fr; }
  .pricing-card { min-height: 0; padding: 28px 24px; }
  .pricing-card h3 { font-size: 26px; }
  .pricing-amount span { font-size: 50px; }
  .pricing-amount small { font-size: 18px; }
  .pricing-note { font-size: 16px; }
  .split-actions { flex-direction: column; }
  .split-actions .btn { width: 100%; }
  .footer-grid { grid-template-columns: 1fr; }
  .callout { flex-direction: column; align-items: flex-start; }
  .callout-actions { width: 100%; }
  .page-banner h1 { font-size: 32px; }
  .bryan-profile h2 { font-size: 31px; }
  .career-card { align-items: flex-start; padding: 24px; }
  .career-recognition { grid-template-columns: 1fr; padding: 20px; gap: 20px; }
  .career-recognition figure { max-width: 230px; }
  .heritage-gallery { grid-template-columns: 1fr; }
  .heritage-gallery img { height: auto; max-height: 480px; }
  .form-intro h2 { font-size: 28px; }
  .form-progress { grid-template-columns: repeat(2, 1fr); }
  .form-progress li { font-size: 12px; }
  .planning-form fieldset { padding: 30px 20px 10px; }
  .thank-you-card { padding: 42px 24px; }
  .thank-you-card h1 { font-size: 30px; }
  .portal-shell { grid-template-columns: 1fr; gap: 24px; padding-top: 26px; }
  .portal-sidebar { display: none; }
  .portal-account-actions { gap: 10px; }
  .portal-account > span:last-child { display: none; }
  .portal-content-head, .portal-detail { align-items: flex-start; flex-direction: column; }
  .portal-stats { grid-template-columns: 1fr; }
  .portal-view-toggle { flex-direction: column; align-items: stretch; }
  .portal-content-head h1 { font-size: 32px; }
}

/* Agreement and fees: intentionally simple, high-contrast reading layout. */
.agreement-page { background: #f7f9fc; }
.agreement-document { max-width: 900px; margin: 0 auto; color: var(--color-text); }
.agreement-document > h1 { max-width: 760px; margin: 12px 0 22px; font-size: clamp(34px, 5vw, 52px); line-height: 1.12; letter-spacing: -0.035em; }
.agreement-intro { max-width: 800px; margin: 0; color: var(--muted); font-size: 20px; line-height: 1.7; }
.agreement-section { padding: 36px 0; border-bottom: 1px solid #dbe3ee; }
.agreement-section h2, .agreement-action h2 { margin: 0 0 14px; color: var(--color-text); font-size: 28px; line-height: 1.25; }
.agreement-section p { max-width: 820px; margin: 0; color: #40516a; font-size: 18px; line-height: 1.7; }
.agreement-list { display: grid; gap: 14px; padding: 0; margin: 0; list-style: none; }
.agreement-list li { position: relative; padding-left: 34px; color: #40516a; font-size: 18px; line-height: 1.6; }
.agreement-list li::before { content: ""; position: absolute; top: .52em; left: 0; width: 15px; height: 15px; border: 3px solid var(--color-blue-600); border-radius: 50%; box-sizing: border-box; }
.agreement-fees { margin-top: 36px; padding: 34px; border: 2px solid #c7d8f4; border-radius: 18px; background: #fff; }
.agreement-fees h2 { color: var(--color-blue-600); }
.agreement-fee-intro { margin-bottom: 24px !important; }
.agreement-fee-category { margin: 30px 0 8px; color: var(--color-navy-900); font-family: var(--font-display); font-size: 20px; line-height: 1.35; }
.agreement-fee-category:first-of-type { margin-top: 0; }
.agreement-fee-row { display: flex; justify-content: space-between; align-items: baseline; gap: 26px; padding: 18px 0; border-top: 1px solid #dbe3ee; color: var(--color-text); font-size: 19px; font-weight: 600; }
.agreement-fee-row strong { color: var(--color-text); font-size: 24px; white-space: nowrap; }
.veteran-discount { margin-top: 30px; padding: 26px 28px; border-radius: 14px; background: var(--color-navy-900); color: var(--color-white); }
.veteran-discount-label { display: inline-block; margin-bottom: 9px; color: #b9d8ff; font-family: var(--font-display); font-size: 14px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; }
.veteran-discount h3 { margin: 0 0 8px; color: var(--color-white); font-family: var(--font-display); font-size: 23px; line-height: 1.35; }
.veteran-discount p { margin: 0; color: var(--color-text-on-dark-muted); font-size: 17px; line-height: 1.55; }
.agreement-fee-note { padding-top: 18px; font-size: 17px !important; }
.agreement-action { display: flex; justify-content: space-between; align-items: center; gap: 28px; margin-top: 38px; padding: 34px; border-radius: 18px; background: var(--color-navy-900); color: var(--color-white); }
.agreement-action h2 { color: #fff; }
.agreement-action p { max-width: 540px; margin: 0; color: #d6e0ef; font-size: 18px; line-height: 1.55; }
.agreement-action .btn { flex: 0 0 auto; background: var(--color-white); color: var(--color-blue-600); }
.agreement-action .btn:hover { background: #eaf1ff; }

@media (max-width: 640px) {
  .agreement-document > h1 { font-size: 35px; }
  .agreement-intro, .agreement-section p, .agreement-list li { font-size: 17px; }
  .agreement-section { padding: 28px 0; }
  .agreement-section h2, .agreement-action h2 { font-size: 25px; }
  .agreement-fees { margin-top: 28px; padding: 24px 20px; }
  .agreement-fee-row { flex-direction: column; gap: 5px; font-size: 18px; }
  .agreement-fee-row strong { font-size: 23px; }
  .veteran-discount { padding: 23px 20px; }
  .veteran-discount h3 { font-size: 21px; }
  .agreement-action { flex-direction: column; align-items: flex-start; padding: 28px 24px; }
  .agreement-action .btn { width: 100%; }
}