/* ============================================================
   HERO — WEALTH MANAGEMENT (PREMIUM DARK)
============================================================ */
.service-hero {
    position: relative;
    background: var(--black);
    overflow: hidden;
    padding: 100px 0 80px
}

.sh-bg {
    position: absolute;
    inset: 0;
    background:
        radial-gradient(ellipse 60% 70% at 62% 44%, rgba(200, 16, 46, .14) 0%, transparent 55%),
        radial-gradient(ellipse 40% 40% at 4% 80%, rgba(212, 160, 23, .08) 0%, transparent 50%),
        radial-gradient(ellipse 30% 30% at 96% 10%, rgba(212, 160, 23, .06) 0%, transparent 50%)
}

.sh-grid {
    position: absolute;
    inset: 0;
    background-image: linear-gradient(rgba(255, 255, 255, .02) 1px, transparent 1px), linear-gradient(90deg, rgba(255, 255, 255, .02) 1px, transparent 1px);
    background-size: 56px 56px
}

.sh-line {
    position: absolute;
    top: 0;
    right: 20%;
    width: 1px;
    height: 100%;
    background: linear-gradient(to bottom, transparent, rgba(212, 160, 23, .15), transparent)
}

.sh-line2 {
    position: absolute;
    top: 0;
    right: 38%;
    width: 1px;
    height: 100%;
    background: linear-gradient(to bottom, transparent, rgba(255, 255, 255, .04), transparent)
}

.sh-line3 {
    position: absolute;
    top: 0;
    right: 55%;
    width: 1px;
    height: 100%;
    background: linear-gradient(to bottom, transparent, rgba(200, 16, 46, .08), transparent)
}

/* Animated ticker tape */
.ticker-strip {
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    background: rgba(212, 160, 23, .08);
    border-top: 1px solid rgba(212, 160, 23, .15);
    padding: 8px 0;
    overflow: hidden
}

.ticker-track {
    display: flex;
    white-space: nowrap;
    animation: ticker 20s linear infinite
}

.ticker-item {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 0 24px;
    font-size: 11.5px;
    font-weight: 600;
    letter-spacing: .5px
}

.ticker-up {
    color: #4ade80
}

.ticker-dn {
    color: #f87171
}

.ticker-neu {
    color: rgba(255, 255, 255, .5)
}

@keyframes ticker {
    from {
        transform: translateX(0)
    }

    to {
        transform: translateX(-50%)
    }
}

.sh-content {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
    padding-bottom: 48px
}

.sh-tag {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(212, 160, 23, .15);
    border: 1px solid rgba(212, 160, 23, .3);
    color: var(--gold-light);
    font-size: 11.5px;
    font-weight: 600;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    padding: 6px 14px;
    border-radius: 100px;
    margin-bottom: 20px
}

.sh-title {
    font-family: var(--font-display);
    font-size: clamp(2.6rem, 5vw, 3.8rem);
    font-weight: 900;
    color: var(--white);
    line-height: 1.05;
    margin-bottom: 18px
}

.sh-title em {
    color: var(--gold-light);
    font-style: normal;
    display: block
}

.sh-desc {
    font-size: 1.05rem;
    color: rgba(255, 255, 255, .6);
    max-width: 460px;
    line-height: 1.85;
    margin-bottom: 36px
}

.sh-actions {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
    margin-bottom: 48px
}

.sh-quick-stats {
    display: flex;
    gap: 0;
    border: 1px solid rgba(255, 255, 255, .08);
    border-radius: 8px;
    overflow: hidden
}

.sh-qs {
    padding: 14px 20px;
    text-align: center;
    border-right: 1px solid rgba(255, 255, 255, .08);
    flex: 1
}

.sh-qs:last-child {
    border-right: none
}

.sh-qs-num {
    font-family: var(--font-display);
    font-size: 1.4rem;
    font-weight: 700;
    color: white
}

.sh-qs-num span {
    color: var(--gold-light)
}

.sh-qs-label {
    font-size: 10.5px;
    color: rgba(255, 255, 255, .4);
    margin-top: 2px
}

/* HERO CARD — Portfolio Dashboard */
.sh-right {
    position: relative
}

.sh-card {
    background: rgba(255, 255, 255, .05);
    backdrop-filter: blur(20px);
    border: 1px solid rgba(255, 255, 255, .10);
    border-radius: 14px;
    padding: 26px;
    box-shadow: 0 32px 80px rgba(0, 0, 0, .5)
}

.sh-card-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 18px
}

.sh-card-label {
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 1px;
    text-transform: uppercase;
    color: rgba(255, 255, 255, .5)
}

.sh-card-badge {
    display: flex;
    align-items: center;
    gap: 6px;
    background: rgba(74, 222, 128, .12);
    color: #4ade80;
    font-size: 11.5px;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: 6px
}

.sh-card-badge span {
    width: 6px;
    height: 6px;
    background: #4ade80;
    border-radius: 50%;
    animation: pulseDot 2s infinite
}

@keyframes pulseDot {

    0%,
    100% {
        transform: scale(1);
        opacity: 1
    }

    50% {
        transform: scale(1.5);
        opacity: .5
    }
}

/* Portfolio allocation donut */
.portfolio-donut-wrap {
    display: flex;
    gap: 20px;
    align-items: center;
    margin-bottom: 18px
}

.pd-svg-wrap {
    position: relative;
    width: 110px;
    height: 110px;
    flex-shrink: 0
}

.pd-svg-wrap svg {
    width: 110px;
    height: 110px
}

.pd-center {
    position: absolute;
    inset: 0;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center
}

.pd-center .val {
    font-family: var(--font-display);
    font-size: 1.2rem;
    font-weight: 700;
    color: white;
    line-height: 1
}

.pd-center .lbl {
    font-size: 9.5px;
    color: rgba(255, 255, 255, .4);
    margin-top: 2px
}

.pd-legend {
    flex: 1;
    display: flex;
    flex-direction: column;
    gap: 8px
}

.pdl-row {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 12px
}

.pdl-dot {
    width: 8px;
    height: 8px;
    border-radius: 2px;
    flex-shrink: 0
}

.pdl-name {
    color: rgba(255, 255, 255, .7);
    flex: 1
}

.pdl-pct {
    font-weight: 700;
    color: white;
    font-size: 12.5px
}

.sh-divider {
    height: 1px;
    background: rgba(255, 255, 255, .07);
    margin: 14px 0
}

.sh-metrics {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px
}

.sh-metric {
    background: rgba(255, 255, 255, .04);
    border: 1px solid rgba(255, 255, 255, .07);
    border-radius: 8px;
    padding: 12px 14px
}

.sh-metric-label {
    font-size: 11px;
    color: rgba(255, 255, 255, .4);
    margin-bottom: 4px
}

.sh-metric-val {
    font-family: var(--font-display);
    font-size: 1.1rem;
    font-weight: 700;
    color: white
}

.sh-metric-val .up {
    color: #4ade80;
    font-size: 11px;
    font-weight: 500;
    margin-left: 3px
}

.sh-metric-val .gold {
    color: var(--gold-light);
    font-size: 11px;
    font-weight: 500;
    margin-left: 3px
}

.sh-float {
    position: absolute;
    background: white;
    border-radius: 10px;
    padding: 14px 18px;
    box-shadow: var(--shadow-md);
    z-index: 3
}

.sh-float.f1 {
    top: -20px;
    right: -20px
}

.sh-float.f2 {
    bottom: -18px;
    left: -20px
}

.sf-label {
    font-size: 10px;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: var(--gray-500);
    margin-bottom: 4px
}

.sf-val {
    font-family: var(--font-display);
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--black);
    line-height: 1
}

.sf-val span {
    color: var(--red);
    font-size: 12px
}

.sf-sub {
    font-size: 11px;
    color: var(--gray-500);
    margin-top: 3px
}

@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(20px)
    }

    to {
        opacity: 1;
        transform: translateY(0)
    }
}

.sh-tag {
    animation: fadeInUp .55s ease both
}

.sh-title {
    animation: fadeInUp .65s .08s ease both
}

.sh-desc {
    animation: fadeInUp .65s .16s ease both
}

.sh-actions {
    animation: fadeInUp .65s .24s ease both
}

.sh-quick-stats {
    animation: fadeInUp .65s .32s ease both
}

/* ============================================================
   WHAT IS WEALTH MANAGEMENT
============================================================ */
.wm-overview {
    background: var(--gray-50)
}

.wmo-grid {
    display: grid;
    grid-template-columns: 1fr 1.1fr;
    gap: 80px;
    align-items: start
}

.wmo-sticky {
    position: sticky;
    top: calc(var(--nav-h) + 24px)
}

.wmo-body {
    font-size: 15px;
    color: var(--gray-700);
    line-height: 1.9
}

.wmo-body p {
    margin-bottom: 18px
}

.wmo-body strong {
    color: var(--black);
    font-weight: 600
}

.wmo-highlight {
    border-left: 3px solid var(--gold);
    padding: 16px 20px;
    background: rgba(212, 160, 23, .05);
    border-radius: 0 6px 6px 0;
    margin: 24px 0;
    font-family: var(--font-display);
    font-size: 1.05rem;
    font-style: italic;
    color: var(--black-2);
    line-height: 1.7
}

.wm-vs {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1px;
    background: var(--gray-200);
    border: 1px solid var(--gray-200);
    border-radius: 10px;
    overflow: hidden;
    margin-bottom: 24px
}

.wm-vs-col {
    background: white;
    padding: 22px
}

.wm-vs-col.premium {
    background: var(--black)
}

.wm-vs-label {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    margin-bottom: 14px;
    padding-bottom: 10px;
    border-bottom: 1px solid
}

.wm-vs-col:not(.premium) .wm-vs-label {
    color: var(--gray-500);
    border-color: var(--gray-200)
}

.wm-vs-col.premium .wm-vs-label {
    color: var(--gold);
    border-color: rgba(212, 160, 23, .2)
}

.wm-vs-list {
    display: flex;
    flex-direction: column;
    gap: 9px
}

.wm-vs-item {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    font-size: 13px;
    line-height: 1.55
}

.wm-vs-col:not(.premium) .wm-vs-item {
    color: var(--gray-700)
}

.wm-vs-col.premium .wm-vs-item {
    color: rgba(255, 255, 255, .75)
}

.wm-vs-item i {
    flex-shrink: 0;
    margin-top: 2px;
    font-size: 11px
}

.wm-vs-col:not(.premium) .wm-vs-item i {
    color: var(--gray-300)
}

.wm-vs-col.premium .wm-vs-item i {
    color: var(--gold)
}

/* ============================================================
   TIERS — WEALTH MANAGEMENT LEVELS
============================================================ */
.wm-tiers {
    background: var(--white)
}

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

.tier-card {
    border-radius: 10px;
    overflow: hidden;
    border: 1px solid var(--gray-200);
    transition: var(--transition);
    position: relative
}

.tier-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg)
}

.tier-card.featured {
    border: 2px solid var(--gold);
    transform: scale(1.02)
}

.tier-card.featured:hover {
    transform: scale(1.02) translateY(-6px)
}

.tier-header {
    padding: 28px;
    position: relative;
    overflow: hidden
}

.tier-header::before {
    content: '';
    position: absolute;
    top: -30px;
    right: -30px;
    width: 120px;
    height: 120px;
    border-radius: 50%;
    background: rgba(255, 255, 255, .06)
}

.tier-badge {
    display: inline-block;
    font-size: 10px;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    padding: 3px 10px;
    border-radius: 100px;
    background: rgba(212, 160, 23, .2);
    color: var(--gold-light);
    margin-bottom: 12px;
    position: relative;
    z-index: 1
}

.tier-name {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 700;
    color: white;
    margin-bottom: 6px;
    position: relative;
    z-index: 1
}

.tier-min {
    font-size: 13px;
    color: rgba(255, 255, 255, .65);
    position: relative;
    z-index: 1;
    margin-bottom: 12px
}

.tier-min span {
    color: white;
    font-weight: 700;
    font-size: 15px
}

.tier-body {
    padding: 24px;
    background: var(--white)
}

.tier-card.featured .tier-body {
    background: var(--gray-50)
}

.tier-features {
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin-bottom: 24px
}

.tier-feature {
    display: flex;
    align-items: flex-start;
    gap: 9px;
    font-size: 13.5px;
    color: var(--gray-700)
}

.tier-feature i {
    color: var(--red);
    font-size: 11px;
    margin-top: 3px;
    flex-shrink: 0
}

.tier-feature.gold i {
    color: var(--gold)
}

.tier-cta {
    width: 100%;
    justify-content: center
}

/* ============================================================
   PORTFOLIO CONSTRUCTION
============================================================ */
.portfolio-construction {
    background: var(--gray-50)
}

.pc-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: start
}

.pc-visual {
    background: var(--black);
    border-radius: 12px;
    padding: 32px;
    overflow: hidden;
    position: relative
}

.pc-visual::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse at 60% 30%, rgba(212, 160, 23, .12), transparent 65%)
}

.pc-vis-title {
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: rgba(255, 255, 255, .4);
    margin-bottom: 20px;
    position: relative;
    z-index: 1
}

/* Allocation bars */
.alloc-rows {
    position: relative;
    z-index: 1;
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-bottom: 20px
}

.alloc-row {
    display: grid;
    grid-template-columns: 130px 1fr 50px;
    gap: 10px;
    align-items: center
}

.alloc-label {
    font-size: 12px;
    font-weight: 600;
    color: rgba(255, 255, 255, .65)
}

.alloc-bar-bg {
    height: 20px;
    background: rgba(255, 255, 255, .06);
    border-radius: 4px;
    overflow: hidden
}

.alloc-bar {
    height: 100%;
    border-radius: 4px;
    display: flex;
    align-items: center;
    padding: 0 8px;
    font-size: 11px;
    font-weight: 700;
    color: white;
    white-space: nowrap;
    animation: barGrow 1.4s var(--ease) both
}

@keyframes barGrow {
    from {
        width: 0 !important
    }

    to {}
}

.alloc-pct {
    font-size: 12.5px;
    font-weight: 700;
    color: white;
    text-align: right
}

.pc-divider {
    height: 1px;
    background: rgba(255, 255, 255, .07);
    margin: 16px 0;
    position: relative;
    z-index: 1
}

.pc-stats {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: 10px;
    position: relative;
    z-index: 1
}

.pc-stat {
    background: rgba(255, 255, 255, .04);
    border: 1px solid rgba(255, 255, 255, .07);
    border-radius: 8px;
    padding: 12px;
    text-align: center
}

.pc-stat-val {
    font-family: var(--font-display);
    font-size: 1.3rem;
    font-weight: 700;
    color: white;
    line-height: 1
}

.pc-stat-val.gold {
    color: var(--gold-light)
}

.pc-stat-val.green {
    color: #4ade80
}

.pc-stat-lbl {
    font-size: 10.5px;
    color: rgba(255, 255, 255, .4);
    margin-top: 4px
}

.pc-principles {
    display: flex;
    flex-direction: column;
    gap: 18px
}

.pcp-card {
    display: flex;
    gap: 16px;
    padding: 20px;
    border: 1px solid var(--gray-200);
    border-radius: 8px;
    transition: var(--transition)
}

.pcp-card:hover {
    border-color: var(--red);
    box-shadow: var(--shadow-sm);
    background: var(--white)
}

.pcp-icon {
    width: 44px;
    height: 44px;
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 17px;
    flex-shrink: 0;
    transition: var(--transition)
}

.pcp-card:hover .pcp-icon {
    transform: scale(1.08)
}

.pcp-card h4 {
    font-size: 14px;
    font-weight: 700;
    margin-bottom: 4px;
    color: var(--black)
}

.pcp-card p {
    font-size: 13px;
    color: var(--gray-500);
    line-height: 1.65
}

/* ============================================================
   ASSET ALLOCATION TOOL (Interactive)
============================================================ */
.asset-tool {
    background: var(--white)
}

.at-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: start
}

.at-form {
    background: var(--gray-50);
    border: 1px solid var(--gray-200);
    border-radius: 12px;
    padding: 32px
}

.at-title {
    font-family: var(--font-display);
    font-size: 1.35rem;
    font-weight: 700;
    margin-bottom: 6px
}

.at-sub {
    font-size: 13.5px;
    color: var(--gray-500);
    margin-bottom: 24px;
    line-height: 1.7
}

.at-label {
    font-size: 12.5px;
    font-weight: 600;
    color: var(--black-2);
    margin-bottom: 6px;
    display: flex;
    justify-content: space-between
}

.at-label span {
    font-size: 14px;
    font-weight: 700;
    color: var(--red)
}

.range-input {
    width: 100%;
    -webkit-appearance: none;
    appearance: none;
    height: 6px;
    border-radius: 3px;
    background: var(--gray-200);
    outline: none;
    cursor: pointer;
    margin-bottom: 18px
}

.range-input::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 18px;
    height: 18px;
    border-radius: 50%;
    background: var(--red);
    cursor: pointer;
    box-shadow: 0 2px 6px rgba(200, 16, 46, .3);
    transition: transform .15s
}

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

.at-select {
    width: 100%;
    padding: 12px 14px;
    border: 1.5px solid var(--gray-200);
    border-radius: var(--radius);
    font-size: 14px;
    font-family: inherit;
    color: var(--black);
    background: var(--white);
    cursor: pointer;
    outline: none;
    transition: var(--transition);
    margin-bottom: 18px
}

.at-select:focus {
    border-color: var(--red)
}

.at-result {
    background: var(--black);
    border-radius: 12px;
    padding: 32px;
    position: sticky;
    top: calc(var(--nav-h) + 24px)
}

.atr-title {
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: rgba(255, 255, 255, .4);
    margin-bottom: 16px
}

.atr-alloc {
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin-bottom: 20px
}

.atra-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 10px
}

.atra-name {
    font-size: 13px;
    color: rgba(255, 255, 255, .7);
    display: flex;
    align-items: center;
    gap: 8px
}

.atra-dot {
    width: 10px;
    height: 10px;
    border-radius: 2px;
    flex-shrink: 0
}

.atra-bar-bg {
    flex: 1;
    height: 8px;
    background: rgba(255, 255, 255, .08);
    border-radius: 4px;
    overflow: hidden
}

.atra-bar {
    height: 100%;
    border-radius: 4px;
    transition: width .6s var(--ease)
}

.atra-pct {
    font-size: 13px;
    font-weight: 700;
    color: white;
    width: 36px;
    text-align: right;
    flex-shrink: 0
}

.atr-divider {
    height: 1px;
    background: rgba(255, 255, 255, .07);
    margin: 16px 0
}

.atr-projections {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px
}

.atrp-card {
    background: rgba(255, 255, 255, .04);
    border: 1px solid rgba(255, 255, 255, .07);
    border-radius: 8px;
    padding: 13px;
    text-align: center
}

.atrp-label {
    font-size: 10px;
    color: rgba(255, 255, 255, .4);
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 4px
}

.atrp-val {
    font-family: var(--font-display);
    font-size: 1.2rem;
    font-weight: 700;
    color: white
}

.atrp-val.gold {
    color: var(--gold-light)
}

.atrp-val.green {
    color: #4ade80
}

/* ============================================================
   ALTERNATIVE INVESTMENTS
============================================================ */
.alternatives {
    background: var(--gray-50)
}

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

.alt-card {
    background: white;
    border: 1px solid var(--gray-200);
    border-radius: 10px;
    padding: 26px;
    transition: var(--transition);
    position: relative;
    overflow: hidden;
    cursor: default
}

.alt-card::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 3px;
    transition: transform .3s;
    transform: scaleX(0)
}

.alt-card:hover::after {
    transform: scaleX(1)
}

.alt-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: transparent
}

.alt-icon {
    width: 52px;
    height: 52px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    margin-bottom: 16px;
    transition: var(--transition)
}

.alt-card:hover .alt-icon {
    transform: scale(1.08)
}

.alt-card h3 {
    font-size: 15px;
    font-weight: 700;
    margin-bottom: 7px;
    color: var(--black)
}

.alt-card p {
    font-size: 13px;
    color: var(--gray-500);
    line-height: 1.75;
    margin-bottom: 12px
}

.alt-stats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 8px
}

.alt-stat {
    background: var(--gray-50);
    border-radius: 6px;
    padding: 9px 10px;
    text-align: center
}

.alt-stat-label {
    font-size: 10px;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 2px
}

.alt-stat-val {
    font-size: 13px;
    font-weight: 700;
    color: var(--black)
}

.alt-stat-val.green {
    color: #15803d
}

.alt-stat-val.gold {
    color: var(--gold-dark)
}

.alt-min {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    margin-top: 12px;
    font-size: 11.5px;
    font-weight: 700;
    padding: 3px 10px;
    border-radius: 100px;
    background: var(--gray-100);
    color: var(--gray-700)
}

.alt-min i {
    font-size: 9px
}

/* ============================================================
   ESTATE PLANNING
============================================================ */
.estate-planning {
    background: var(--white)
}

.ep-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: start
}

.ep-visual {
    background: var(--black);
    border-radius: 12px;
    padding: 32px;
    overflow: hidden;
    position: relative
}

.ep-visual::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse at 30% 60%, rgba(212, 160, 23, .12), transparent 65%)
}

.ep-title {
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: rgba(255, 255, 255, .4);
    margin-bottom: 20px;
    position: relative;
    z-index: 1
}

.ep-tree {
    position: relative;
    z-index: 1;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0
}

.ep-node {
    background: rgba(255, 255, 255, .06);
    border: 1px solid rgba(255, 255, 255, .12);
    border-radius: 8px;
    padding: 12px 20px;
    text-align: center;
    font-size: 13px;
    font-weight: 600;
    color: white;
    transition: var(--transition);
    cursor: default;
    min-width: 160px
}

.ep-node:hover {
    background: rgba(212, 160, 23, .15);
    border-color: rgba(212, 160, 23, .3)
}

.ep-node.root {
    background: linear-gradient(135deg, var(--gold-dark), var(--gold));
    color: var(--black);
    border-color: var(--gold);
    font-weight: 700
}

.ep-connector {
    width: 2px;
    height: 24px;
    background: rgba(255, 255, 255, .15);
    margin: 0 auto
}

.ep-branch {
    display: flex;
    gap: 16px;
    align-items: flex-start;
    width: 100%
}

.ep-branch-line {
    display: flex;
    flex-direction: column;
    align-items: center;
    flex: 1
}

.ep-sub-nodes {
    display: flex;
    gap: 10px;
    flex-wrap: wrap;
    justify-content: center;
    margin-top: 0
}

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

.eps-card {
    display: flex;
    gap: 16px;
    padding: 20px;
    border: 1px solid var(--gray-200);
    border-radius: 8px;
    transition: var(--transition)
}

.eps-card:hover {
    border-color: var(--gold);
    box-shadow: var(--shadow-sm);
    background: var(--gray-50)
}

.eps-icon {
    width: 44px;
    height: 44px;
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 17px;
    flex-shrink: 0;
    background: rgba(212, 160, 23, .08);
    color: var(--gold-dark);
    transition: var(--transition)
}

.eps-card:hover .eps-icon {
    background: var(--gold);
    color: var(--black)
}

.eps-card h4 {
    font-size: 14px;
    font-weight: 700;
    margin-bottom: 4px;
    color: var(--black)
}

.eps-card p {
    font-size: 13px;
    color: var(--gray-500);
    line-height: 1.65
}

/* ============================================================
   PROCESS
============================================================ */
.wm-process {
    background: var(--black)
}

.wmp-steps {
    display: grid;
    grid-template-columns: repeat(6, 1fr);
    gap: 0;
    position: relative
}

.wmp-steps::before {
    content: '';
    position: absolute;
    top: 28px;
    left: calc(100%/12);
    right: calc(100%/12);
    height: 1px;
    background: rgba(212, 160, 23, .15);
    pointer-events: none
}

.wmp-step {
    padding: 0 12px;
    text-align: center
}

.wmp-num {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: rgba(255, 255, 255, .05);
    border: 2px solid rgba(255, 255, 255, .08);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-display);
    font-size: 18px;
    font-weight: 700;
    color: rgba(255, 255, 255, .25);
    transition: var(--transition);
    margin: 0 auto 20px;
    cursor: default;
    position: relative;
    z-index: 1
}

.wmp-step:hover .wmp-num,
.wmp-step.active .wmp-num {
    background: var(--gold);
    border-color: var(--gold);
    color: var(--black);
    box-shadow: 0 0 0 8px rgba(212, 160, 23, .12)
}

.wmp-step h4 {
    font-size: 13px;
    font-weight: 700;
    color: rgba(255, 255, 255, .85);
    margin-bottom: 8px
}

.wmp-step p {
    font-size: 12px;
    color: rgba(255, 255, 255, .35);
    line-height: 1.65
}

/* ============================================================
   WHO WE SERVE — HNI PROFILES
============================================================ */
.hni-profiles {
    background: var(--gray-50)
}

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

.hp-card {
    background: white;
    border: 1px solid var(--gray-200);
    border-radius: 10px;
    padding: 28px;
    transition: var(--transition);
    cursor: default;
    position: relative;
    overflow: hidden
}

.hp-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px
}

.hp-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md)
}

.hp-emoji {
    font-size: 36px;
    margin-bottom: 14px
}

.hp-card h3 {
    font-size: 16px;
    font-weight: 700;
    margin-bottom: 8px;
    color: var(--black)
}

.hp-card p {
    font-size: 13.5px;
    color: var(--gray-500);
    line-height: 1.75;
    margin-bottom: 14px
}

.hp-wealth {
    font-family: var(--font-display);
    font-size: 1rem;
    font-weight: 700;
    color: var(--gold-dark);
    margin-bottom: 14px;
    display: flex;
    align-items: center;
    gap: 6px
}

.hp-wealth i {
    font-size: 12px;
    color: var(--gold)
}

.hp-tags {
    display: flex;
    flex-wrap: wrap;
    gap: 6px
}

.hp-tag {
    font-size: 11px;
    font-weight: 600;
    letter-spacing: .5px;
    padding: 3px 10px;
    border-radius: 100px
}

/* ============================================================
   TESTIMONIALS
============================================================ */
.wm-testimonials {
    background: var(--white)
}

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

.wmt-card {
    background: var(--gray-50);
    border: 1px solid var(--gray-200);
    border-radius: 10px;
    padding: 28px;
    transition: var(--transition)
}

.wmt-card:hover {
    border-color: var(--gold);
    box-shadow: var(--shadow-md);
    transform: translateY(-2px)
}

.wmt-top {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    margin-bottom: 14px
}

.wmt-stars {
    color: var(--gold);
    font-size: 12px;
    letter-spacing: 2px
}

.wmt-aum {
    font-size: 11px;
    font-weight: 700;
    color: var(--gold-dark);
    background: rgba(212, 160, 23, .10);
    padding: 3px 10px;
    border-radius: 100px
}

.wmt-text {
    font-size: 13.5px;
    line-height: 1.8;
    color: var(--gray-700);
    font-style: italic;
    margin-bottom: 18px
}

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

.wmt-avatar {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--gold-dark), var(--gold));
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 16px;
    font-weight: 700;
    color: white;
    flex-shrink: 0;
    font-family: var(--font-display)
}

.wmt-name {
    font-size: 14px;
    font-weight: 700;
    color: var(--black)
}

.wmt-role {
    font-size: 12px;
    color: var(--gray-500)
}

/* ============================================================
   FAQ
============================================================ */
.faq-section {
    background: var(--gray-50)
}

.faq-grid {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 80px;
    align-items: start
}

.faq-intro {
    position: sticky;
    top: calc(var(--nav-h) + 24px)
}

.faq-list {
    display: flex;
    flex-direction: column;
    gap: 0
}

.faq-item {
    border-bottom: 1px solid var(--gray-200)
}

.faq-q {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    padding: 20px 4px;
    cursor: pointer;
    transition: color .2s
}

.faq-q:hover {
    color: var(--red)
}

.faq-q span {
    font-size: 15px;
    font-weight: 600
}

.faq-q i {
    font-size: 12px;
    color: var(--red);
    transition: transform .3s;
    flex-shrink: 0
}

.faq-item.open .faq-q i {
    transform: rotate(45deg)
}

.faq-a {
    font-size: 14px;
    color: var(--gray-500);
    line-height: 1.8;
    padding: 0 4px 20px;
    display: none
}

.faq-item.open .faq-a {
    display: block
}

/* ============================================================
   CTA BAND — PREMIUM
============================================================ */
.cta-band {
    background: var(--black);
    padding: 80px 0;
    position: relative;
    overflow: hidden;
    border-top: 1px solid rgba(212, 160, 23, .15)
}

.cta-band::before {
    content: '';
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    width: 700px;
    height: 700px;
    background: radial-gradient(circle, rgba(212, 160, 23, .07), transparent 65%);
    pointer-events: none
}

.cta-band::after {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse at 20% 80%, rgba(200, 16, 46, .08), transparent 50%);
    pointer-events: none
}

.cta-content {
    position: relative;
    z-index: 1;
    text-align: center
}

.cta-title {
    font-family: var(--font-display);
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 900;
    color: white;
    margin-bottom: 16px
}

.cta-title span {
    color: var(--gold-light)
}

.cta-desc {
    font-size: 1rem;
    color: rgba(255, 255, 255, .55);
    margin-bottom: 36px;
    max-width: 540px;
    margin-left: auto;
    margin-right: auto;
    line-height: 1.8
}

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

.cta-trust {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 24px;
    flex-wrap: wrap;
    margin-top: 36px
}

.cta-trust-item {
    display: flex;
    align-items: center;
    gap: 8px;
    color: rgba(255, 255, 255, .45);
    font-size: 13px
}

.cta-trust-item i {
    color: var(--gold)
}

/* ============================================================
   RELATED SERVICES
============================================================ */
.related {
    background: var(--white)
}

.related-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px
}

.rel-card {
    background: var(--gray-50);
    border: 1px solid var(--gray-200);
    border-radius: 8px;
    padding: 24px;
    transition: var(--transition);
    cursor: pointer;
    position: relative;
    overflow: hidden
}

.rel-card::before {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--red);
    transform: scaleX(0);
    transition: transform .25s
}

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

.rel-card:hover {
    border-color: var(--red);
    box-shadow: var(--shadow-md);
    transform: translateY(-3px)
}

.rc-icon {
    width: 44px;
    height: 44px;
    background: rgba(200, 16, 46, .08);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--red);
    font-size: 18px;
    margin-bottom: 14px;
    transition: var(--transition)
}

.rel-card:hover .rc-icon {
    background: var(--red);
    color: white
}

.rel-card h4 {
    font-size: 14px;
    font-weight: 700;
    margin-bottom: 6px
}

.rel-card p {
    font-size: 12.5px;
    color: var(--gray-500);
    line-height: 1.65
}

.rc-link {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    margin-top: 12px;
    font-size: 12.5px;
    font-weight: 600;
    color: var(--red);
    opacity: 0;
    transition: opacity .2s
}

.rel-card:hover .rc-link {
    opacity: 1
}

.btt {
    position: fixed;
    bottom: 28px;
    right: 28px;
    z-index: 500;
    width: 44px;
    height: 44px;
    background: var(--gold);
    color: var(--black);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 16px;
    box-shadow: var(--shadow-gold);
    opacity: 0;
    transform: translateY(20px);
    transition: var(--transition);
    cursor: pointer
}

.btt.visible {
    opacity: 1;
    transform: translateY(0)
}

.btt:hover {
    background: var(--gold-dark);
    color: white;
    transform: translateY(-3px)
}

/* ============================================================
   RESPONSIVE
============================================================ */
@media(max-width:1100px) {
    .nav-links {
        gap: 0
    }

    .nav-link {
        padding: 0 10px;
        font-size: 13px
    }

    .wmp-steps {
        grid-template-columns: repeat(3, 1fr)
    }

    .wmp-steps::before {
        display: none
    }

    .tiers-grid {
        grid-template-columns: 1fr
    }

    .tier-card.featured {
        transform: none
    }

    .tier-card.featured:hover {
        transform: translateY(-6px)
    }

    .footer-grid {
        grid-template-columns: 1fr 1fr 1fr
    }

    .related-grid {
        grid-template-columns: repeat(2, 1fr)
    }

    .alt-grid {
        grid-template-columns: repeat(2, 1fr)
    }
}

@media(max-width:900px) {

    .nav-links,
    .nav-cta {
        display: none
    }

    .hamburger {
        display: flex
    }

    .sh-content {
        grid-template-columns: 1fr;
        gap: 48px;
        padding-bottom: 96px
    }

    .sh-right {
        display: none
    }

    .wmo-grid {
        grid-template-columns: 1fr
    }

    .wmo-sticky {
        position: static
    }

    .pc-grid {
        grid-template-columns: 1fr
    }

    .at-grid {
        grid-template-columns: 1fr
    }

    .at-result {
        position: static
    }

    .ep-grid {
        grid-template-columns: 1fr
    }

    .hp-grid {
        grid-template-columns: 1fr 1fr
    }

    .wmt-grid {
        grid-template-columns: 1fr 1fr
    }

    .faq-grid {
        grid-template-columns: 1fr
    }

    .faq-intro {
        position: static
    }

    .wmp-steps {
        grid-template-columns: repeat(2, 1fr)
    }
}

@media(max-width:640px) {
    :root {
        --nav-h: 64px
    }

    .section {
        padding: 64px 0
    }

    .alt-grid {
        grid-template-columns: 1fr
    }

    .hp-grid {
        grid-template-columns: 1fr
    }

    .wmt-grid {
        grid-template-columns: 1fr
    }

    .related-grid {
        grid-template-columns: 1fr 1fr
    }

    .sh-quick-stats {
        flex-wrap: wrap
    }

    .sh-qs {
        min-width: 100px
    }

    .topbar {
        display: none
    }

    .footer-grid {
        grid-template-columns: 1fr 1fr
    }

    .footer-bottom {
        flex-direction: column;
        text-align: center
    }

    .wm-vs {
        grid-template-columns: 1fr
    }

    .tiers-grid {
        grid-template-columns: 1fr
    }
}

[data-aos] {
    pointer-events: none
}

[data-aos].aos-animate {
    pointer-events: auto
}