/* =========================================================
   Finance Proficiency Hub — Common Stylesheet
   Shared across all pages: index, about, contact,
   newsletter, unsubscribe, terms, privacy
   ========================================================= */

:root {
    --cream: #F3F6F9;
    --cream-2: #E5EBF2;
    --paper: #FFFFFF;

    --wine: #102A43;
    --wine-2: #1D4E73;
    --wine-3: #071A2B;

    --blush: #7FA9C4;

    --gold: #1D4E73;
    --gold-lt: #7FA9C4;

    --ink: #0B1724;
    --muted: #6B7C8F;

    --line: rgba(16, 42, 67, .12);
    --line-lt: rgba(243, 246, 249, .18);

    --shadow-sm: 0 6px 26px rgba(7, 26, 43, .08);
    --shadow-md: 0 20px 56px rgba(7, 26, 43, .13);
    --shadow-lg: 0 34px 100px rgba(7, 26, 43, .20);

    --disp: 'Playfair Display', serif;
    --sans: 'Manrope', sans-serif;
    --ease: cubic-bezier(.4, 0, .2, 1);
}

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

html {
    scroll-behavior: smooth;
}

body {
    font-family: var(--sans);
    background: var(--cream);
    color: var(--ink);
    overflow-x: hidden;
}

h1,
h2,
h3,
h4 {
    font-family: var(--disp);
}

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

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

::-webkit-scrollbar {
    width: 6px;
}

::-webkit-scrollbar-thumb {
    background: var(--wine);
    border-radius: 3px;
}

:focus-visible {
    outline: 2px solid var(--gold);
    outline-offset: 3px;
}

@media(prefers-reduced-motion:reduce) {

    *,
    *::before,
    *::after {
        animation-duration: .01ms !important;
        transition-duration: .01ms !important;
    }
}

.container {
    max-width: 1220px;
    margin: 0 auto;
    padding: 0 32px;
}

.chapter {
    font-family: var(--sans);
    font-size: .7rem;
    font-weight: 700;
    letter-spacing: 3px;
    text-transform: uppercase;
    color: var(--gold);
    display: block;
    margin-bottom: 18px;
}

.chapter::before {
    content: '— ';
}

.section-h {
    font-family: var(--disp);
    font-weight: 600;
    line-height: 1.1;
    letter-spacing: -.5px;
    color: var(--wine);
}

.section-p {
    font-size: 1rem;
    line-height: 1.85;
    color: var(--muted);
    max-width: 520px;
}

.sect-pad {
    padding: 130px 0;
}

.btn {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    font-weight: 600;
    font-size: .82rem;
    letter-spacing: .4px;
    text-transform: uppercase;
    padding: 16px 34px;
    border: none;
    cursor: pointer;
    transition: all .4s var(--ease);
    position: relative;
}

.btn-wine {
    background: var(--wine);
    color: var(--cream);
}

.btn-wine:hover {
    background: var(--wine-3);
    letter-spacing: 1px;
}

.btn-gold {
    background: var(--gold);
    color: var(--wine-3);
}

.btn-gold:hover {
    background: var(--gold-lt);
    letter-spacing: 1px;
}

.btn-line {
    background: transparent;
    color: var(--wine);
    border: 1px solid var(--wine);
}

.btn-line:hover {
    background: var(--wine);
    color: var(--cream);
}

.btn-line-lt {
    background: transparent;
    color: var(--cream);
    border: 1px solid rgba(250, 245, 236, .4);
}

.btn-line-lt:hover {
    background: rgba(250, 245, 236, .1);
    border-color: var(--cream);
}

.btn i {
    font-size: .72rem;
    transition: transform .3s ease;
}

.btn:hover i {
    transform: translateX(4px);
}

/* ============ NAV ============ */
#mainNav {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1050;
    padding: 26px 0;
    transition: all .4s var(--ease);
}

#mainNav.scrolled {
    background: rgba(243, 246, 249, .94);
    backdrop-filter: blur(16px);
    padding: 16px 0;
    box-shadow: 0 2px 30px rgba(42, 21, 32, .06);
}

.nav-inner {
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    align-items: center;
    gap: 20px;
}

.nav-logo {
    font-family: var(--disp);
    font-size: 1.35rem;
    font-weight: 700;
    letter-spacing: .5px;
    justify-self: start;
}

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

.nav-links {
    display: flex;
    gap: 34px;
    list-style: none;
    justify-self: center;
}

.nav-links a {
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--wine);
    position: relative;
    padding-bottom: 4px;
}

.nav-links a::after {
    content: '';
    position: absolute;
    left: 0;
    bottom: 0;
    width: 0;
    height: 1px;
    background: var(--gold);
    transition: width .3s ease;
}

.nav-links a:hover::after,
.nav-links a.active::after {
    width: 100%;
}

.nav-cta {
    justify-self: end;
}

.nav-toggle {
    display: none;
    background: none;
    border: 1px solid var(--wine);
    width: 40px;
    height: 40px;
    align-items: center;
    justify-content: center;
    cursor: pointer;
}

@media(max-width:991px) {
    .nav-links {
        position: fixed;
        top: 0;
        right: -100%;
        width: 78%;
        max-width: 340px;
        height: 100vh;
        background: var(--cream);
        flex-direction: column;
        justify-content: center;
        gap: 26px;
        transition: right .4s var(--ease);
        box-shadow: var(--shadow-lg);
    }

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

    .nav-cta {
        display: none;
    }

    .nav-toggle {
        display: flex;
    }

    .nav-inner {
        grid-template-columns: 1fr auto;
    }
}

/* ============ HERO ============ */
#hero {
    padding-top: 80px;
    padding-bottom: 80px;
    background: linear-gradient(180deg, var(--cream) 0%, var(--cream-2) 100%);
    position: relative;
    overflow: hidden;
}

.hero-ticker {
    background: var(--wine-3);
    color: var(--cream);
    padding: 10px 0;
    overflow: hidden;
    border-bottom: 1px solid var(--line-lt);
    margin-bottom: 60px;
}

.hero-ticker-track {
    display: flex;
    gap: 40px;
    width: max-content;
    animation: tickMove 40s linear infinite;
    font-size: .75rem;
}

@keyframes tickMove {
    from {
        transform: translateX(0);
    }

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

.tick-item {
    display: flex;
    align-items: center;
    gap: 8px;
    white-space: nowrap;
}

.tick-sym {
    font-weight: 700;
    color: var(--gold-lt);
}

.tick-up {
    color: #6ec18a;
}

.tick-down {
    color: var(--blush);
}

.hero-wrap {
    display: grid;
    grid-template-columns: 1.05fr .95fr;
    gap: 60px;
    align-items: center;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 8px 18px;
    background: var(--paper);
    border: 1px solid var(--line);
    border-radius: 100px;
    font-size: .72rem;
    font-weight: 600;
    letter-spacing: .8px;
    color: var(--wine);
    margin-bottom: 26px;
    box-shadow: var(--shadow-sm);
}

.hero-badge .dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: #6ec18a;
    box-shadow: 0 0 0 4px rgba(110, 193, 138, .2);
}

.hero-h {
    font-size: clamp(2.6rem, 5.2vw, 4.6rem);
    font-weight: 700;
    line-height: 1.04;
    letter-spacing: -1.5px;
    color: var(--wine);
    margin-bottom: 24px;
}

.hero-h em {
    font-style: italic;
    font-weight: 500;
    color: var(--gold);
}

.hero-sub {
    font-size: 1.05rem;
    line-height: 1.85;
    color: var(--muted);
    max-width: 480px;
    margin-bottom: 34px;
}

.hero-cta-row {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
    margin-bottom: 38px;
}

.hero-trust {
    display: flex;
    gap: 28px;
    align-items: center;
    padding-top: 28px;
    border-top: 1px solid var(--line);
    flex-wrap: wrap;
}

.ht-item .n {
    font-family: var(--disp);
    font-size: 1.4rem;
    font-weight: 700;
    color: var(--wine);
}

.ht-item .l {
    font-size: .7rem;
    color: var(--muted);
    letter-spacing: .4px;
    text-transform: uppercase;
    margin-top: 2px;
}

.hero-panel {
    background: var(--paper);
    border: 1px solid var(--line);
    box-shadow: var(--shadow-md);
    padding: 30px;
    position: relative;
}

.hero-panel-head {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-bottom: 18px;
    border-bottom: 1px solid var(--line);
    margin-bottom: 22px;
}

.hero-panel-head .t {
    font-family: var(--disp);
    font-size: 1.05rem;
    font-weight: 600;
    color: var(--wine);
}

.hero-panel-head .s {
    font-size: .68rem;
    letter-spacing: 1px;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 700;
}

.hero-bal {
    margin-bottom: 24px;
}

.hero-bal .lbl {
    font-size: .72rem;
    color: var(--muted);
    letter-spacing: .4px;
    text-transform: uppercase;
}

.hero-bal .val {
    font-family: var(--disp);
    font-size: 2.4rem;
    font-weight: 700;
    color: var(--wine);
    margin-top: 4px;
}

.hero-bal .chg {
    font-size: .8rem;
    color: #2f9e5f;
    font-weight: 600;
    margin-top: 4px;
}

.hero-chart {
    height: 90px;
    display: flex;
    align-items: flex-end;
    gap: 6px;
    margin-bottom: 22px;
}

.hero-bar {
    flex: 1;
    background: linear-gradient(180deg, var(--gold-lt), var(--gold));
    border-radius: 2px 2px 0 0;
    transition: all .3s ease;
    opacity: .8;
}

.hero-bar:hover {
    opacity: 1;
}

.hero-alloc {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
}

.hero-alloc-item {
    padding: 12px 14px;
    background: var(--cream);
    border: 1px solid var(--line);
}

.hero-alloc-item .lbl {
    font-size: .68rem;
    color: var(--muted);
    letter-spacing: .4px;
    text-transform: uppercase;
}

.hero-alloc-item .val {
    font-family: var(--disp);
    font-size: 1.05rem;
    font-weight: 600;
    color: var(--wine);
    margin-top: 2px;
}

.hero-alloc-item .pct {
    font-size: .72rem;
    color: var(--gold);
    font-weight: 600;
}

.hero-panel-foot {
    display: flex;
    gap: 10px;
    margin-top: 22px;
    padding-top: 18px;
    border-top: 1px solid var(--line);
}

.hero-panel-foot a {
    flex: 1;
    text-align: center;
    padding: 12px;
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: .5px;
    text-transform: uppercase;
    background: var(--wine);
    color: var(--cream);
    transition: background .3s ease;
}

.hero-panel-foot a:hover {
    background: var(--wine-3);
}

.hero-panel-foot a.alt {
    background: transparent;
    color: var(--wine);
    border: 1px solid var(--wine);
}

.hero-panel-foot a.alt:hover {
    background: var(--wine);
    color: var(--cream);
}

@media(max-width:991px) {
    .hero-wrap {
        grid-template-columns: 1fr;
        gap: 50px;
    }
}

/* ============ MARQUEE ============ */
.marquee-wrap {
    background: var(--wine);
    padding: 20px 0;
    overflow: hidden;
    border-top: 1px solid var(--line-lt);
    border-bottom: 1px solid var(--line-lt);
}

.marquee-track {
    display: flex;
    width: max-content;
    animation: marqMove 34s linear infinite;
}

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

@keyframes marqMove {
    from {
        transform: translateX(0);
    }

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

.marq-item {
    font-family: var(--disp);
    font-style: italic;
    font-size: 1.3rem;
    color: rgba(243, 246, 249, .5);
    padding: 0 34px;
    white-space: nowrap;
    display: flex;
    align-items: center;
    gap: 34px;
}

.marq-item i {
    font-size: .5rem;
    color: var(--gold);
}

/* ============ ABOUT ============ */
#about {
    background: var(--cream);
}

.about-center {
    max-width: 820px;
    margin: 0 auto;
    text-align: center;
}

.about-center .chapter {
    display: inline-block;
}

.about-center .section-h {
    font-size: clamp(2rem, 3.4vw, 3.1rem);
    margin-bottom: 26px;
}

.about-center p {
    font-size: 1.02rem;
    line-height: 1.95;
    color: var(--muted);
    margin-bottom: 22px;
}

.about-quote {
    font-family: var(--disp);
    font-style: italic;
    font-weight: 500;
    font-size: 1.5rem;
    line-height: 1.45;
    color: var(--wine);
    margin: 36px auto;
    padding: 24px 0;
    border-top: 1px solid var(--line);
    border-bottom: 1px solid var(--line);
    max-width: 640px;
}

.about-stats {
    display: flex;
    gap: 0;
    margin-top: 50px;
    border-top: 1px solid var(--line);
    padding-top: 30px;
    justify-content: center;
}

.a-stat {
    flex: 1;
    padding: 0 24px;
    border-right: 1px solid var(--line);
}

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

.a-stat .n {
    font-family: var(--disp);
    font-size: 2rem;
    font-weight: 700;
    color: var(--wine);
}

.a-stat .l {
    font-size: .72rem;
    color: var(--muted);
    letter-spacing: .5px;
    text-transform: uppercase;
    margin-top: 4px;
}

@media(max-width:576px) {
    .about-stats {
        flex-wrap: wrap;
    }

    .a-stat {
        flex: 1 1 45%;
        border-right: none;
        border-bottom: 1px solid var(--line);
        padding-bottom: 14px;
        margin-bottom: 14px;
    }
}

/* ============ SERVICES ============ */
#services {
    background: var(--wine-3);
    color: var(--cream);
    position: relative;
    overflow: hidden;
}

#services .chapter {
    color: var(--gold-lt);
}

#services .section-h {
    color: var(--cream);
}

#services .section-p {
    color: rgba(243, 246, 249, .55);
}

.svc-head {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
    margin-bottom: 50px;
    flex-wrap: wrap;
    gap: 20px;
}

.svc-tabs-wrap {
    display: grid;
    grid-template-columns: 280px 1fr;
    gap: 0;
    background: rgba(243, 246, 249, .04);
    border: 1px solid var(--line-lt);
}

.svc-tabs {
    list-style: none;
    border-right: 1px solid var(--line-lt);
}

.svc-tab {
    padding: 18px 22px;
    border-bottom: 1px solid var(--line-lt);
    cursor: pointer;
    transition: all .3s ease;
    display: flex;
    align-items: center;
    gap: 14px;
}

.svc-tab:last-child {
    border-bottom: none;
}

.svc-tab .icn {
    width: 36px;
    height: 36px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(243, 246, 249, .05);
    color: var(--gold-lt);
    font-size: .9rem;
    transition: all .3s ease;
}

.svc-tab .nm {
    font-family: var(--disp);
    font-size: 1rem;
    font-weight: 500;
    color: rgba(243, 246, 249, .7);
    transition: color .3s ease;
}

.svc-tab:hover {
    background: rgba(243, 246, 249, .03);
}

.svc-tab:hover .nm {
    color: var(--cream);
}

.svc-tab.active {
    background: rgba(29, 78, 115, .12);
    border-left: 3px solid var(--gold);
    padding-left: 19px;
}

.svc-tab.active .icn {
    background: var(--gold);
    color: var(--wine-3);
}

.svc-tab.active .nm {
    color: var(--cream);
}

.svc-panel {
    padding: 36px 40px;
    min-height: 480px;
}

.svc-panel-title {
    display: flex;
    align-items: baseline;
    gap: 14px;
    margin-bottom: 6px;
}

.svc-panel-title h3 {
    font-family: var(--disp);
    font-size: 1.8rem;
    font-weight: 600;
    color: var(--cream);
}

.svc-panel-title .ct {
    font-size: .72rem;
    color: var(--gold-lt);
    letter-spacing: .5px;
}

.svc-panel-desc {
    font-size: .9rem;
    color: rgba(243, 246, 249, .55);
    line-height: 1.7;
    margin-bottom: 26px;
    max-width: 580px;
}

.svc-list {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-top: 30px;
}

.svc-list-item {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
    padding: 24px;
    background: rgba(243, 246, 249, .02);
    border: 1px solid var(--line-lt);
    transition: all .4s cubic-bezier(.4, 0, .2, 1);
    cursor: pointer;
    height: 100%;
}

.svc-list-item:hover {
    background: rgba(29, 78, 115, .06);
    border-color: var(--gold);
    transform: translateY(-5px);
    box-shadow: 0 12px 30px rgba(42, 21, 32, .15);
}

.svc-list-item .chk {
    width: 34px;
    height: 34px;
    border-radius: 50%;
    background: rgba(29, 78, 115, .1);
    border: 1px solid var(--gold-lt);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold-lt);
    font-size: .85rem;
    flex-shrink: 0;
    transition: all .3s ease;
}

.svc-list-item:hover .chk {
    background: var(--gold);
    color: var(--wine-3);
}

.svc-list-item .tx-wrap {
    flex: 1;
}

.svc-list-item .tx {
    display: block;
    font-family: var(--disp);
    font-size: 1.15rem;
    color: var(--cream);
    font-weight: 600;
    margin-bottom: 10px;
    line-height: 1.3;
}

.svc-list-item .desc {
    display: block;
    font-size: .82rem;
    color: rgba(243, 246, 249, .55);
    line-height: 1.7;
    font-weight: 400;
}

@media(max-width:1150px) {
    .svc-list {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media(max-width:900px) {
    .svc-tabs-wrap {
        grid-template-columns: 1fr;
    }

    .svc-tabs {
        display: flex;
        overflow-x: auto;
        border-right: none;
        border-bottom: 1px solid var(--line-lt);
    }

    .svc-tab {
        border-bottom: none;
        border-right: 1px solid var(--line-lt);
        flex-shrink: 0;
    }

    .svc-tab.active {
        border-left: none;
        border-bottom: 3px solid var(--gold);
        padding-left: 22px;
        padding-bottom: 15px;
    }
}

@media(max-width:560px) {
    .svc-list {
        grid-template-columns: 1fr;
    }

    .svc-panel {
        padding: 26px 20px;
    }
}

/* ============ PROCESS ============ */
#process {
    background: var(--cream-2);
}

.proc-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
    margin-top: 50px;
}

.proc-card {
    position: relative;
    padding-top: 26px;
}

.proc-card::before {
    content: attr(data-n);
    position: absolute;
    top: -20px;
    left: 0;
    font-family: var(--disp);
    font-size: 4.5rem;
    font-weight: 700;
    color: rgba(58, 30, 43, .08);
    line-height: 1;
}

.proc-card h4 {
    font-size: 1.15rem;
    font-weight: 600;
    color: var(--wine);
    margin-bottom: 10px;
    border-top: 1px solid var(--wine);
    padding-top: 16px;
}

.proc-card p {
    font-size: .85rem;
    color: var(--muted);
    line-height: 1.75;
}

@media(max-width:900px) {
    .proc-grid {
        grid-template-columns: 1fr 1fr;
    }
}

@media(max-width:560px) {
    .proc-grid {
        grid-template-columns: 1fr;
    }
}

/* ============ TESTIMONIALS ============ */
#testimonials {
    background: var(--cream);
}

.test-spread {
    display: grid;
    grid-template-columns: .4fr .6fr;
    gap: 60px;
    align-items: center;
}

.test-nums {
    display: flex;
    flex-direction: column;
    gap: 0;
}

.test-mini {
    padding: 20px 0;
    border-bottom: 1px solid var(--line);
    cursor: pointer;
    opacity: .4;
    transition: opacity .3s ease;
}

.test-mini.active {
    opacity: 1;
}

.test-mini .name {
    font-family: var(--disp);
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--wine);
}

.test-mini .role {
    font-size: .72rem;
    color: var(--muted);
    margin-top: 2px;
}

.test-main .stars {
    color: var(--gold);
    margin-bottom: 20px;
    font-size: .9rem;
}

.test-main .quote {
    font-family: var(--disp);
    font-style: italic;
    font-size: 1.9rem;
    line-height: 1.45;
    color: var(--wine);
    margin-bottom: 28px;
}

.test-main .au {
    display: flex;
    align-items: center;
    gap: 14px;
}

.test-main .av {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    background: var(--wine);
    color: var(--gold-lt);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--disp);
    font-size: 1.4rem;
    font-weight: 700;
}

.test-main .nm {
    font-weight: 700;
    font-size: .9rem;
}

.test-main .rl {
    font-size: .75rem;
    color: var(--gold);
}

@media(max-width:900px) {
    .test-spread {
        grid-template-columns: 1fr;
    }

    .test-nums {
        flex-direction: row;
        overflow-x: auto;
        gap: 20px;
    }

    .test-mini {
        border-bottom: none;
        border-right: 1px solid var(--line);
        padding-right: 20px;
        white-space: nowrap;
    }
}

/* ============ FAQ ============ */
#faq {
    background: var(--cream-2);
}

.faq-cols2 {
    display: grid;
    grid-template-columns: .8fr 1.2fr;
    gap: 70px;
    align-items: start;
}

.faq-sticky2 {
    position: sticky;
    top: 120px;
}

.faq-item2 {
    border-bottom: 1px solid var(--line);
}

.faq-item2:first-child {
    border-top: 1px solid var(--line);
}

.faq-q2 {
    width: 100%;
    background: none;
    border: none;
    text-align: left;
    padding: 24px 0;
    display: flex;
    justify-content: space-between;
    align-items: center;
    cursor: pointer;
    font-family: var(--disp);
    font-weight: 600;
    font-size: 1.1rem;
    color: var(--wine);
    gap: 20px;
}

.faq-q2 span {
    font-size: 1.3rem;
    color: var(--gold);
    transition: transform .3s ease;
    flex-shrink: 0;
    font-weight: 400;
}

.faq-item2.open .faq-q2 span {
    transform: rotate(45deg);
}

.faq-a2 {
    max-height: 0;
    overflow: hidden;
    transition: max-height .35s var(--ease);
}

.faq-item2.open .faq-a2 {
    max-height: 280px;
}

.faq-a2 p {
    padding-bottom: 24px;
    font-size: .9rem;
    line-height: 1.85;
    color: var(--muted);
    max-width: 600px;
}

@media(max-width:900px) {
    .faq-cols2 {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .faq-sticky2 {
        position: static;
    }
}

/* ============ CONTACT ============ */
#contact {
    background: var(--wine-3);
    color: var(--cream);
}

.contact-grid2 {
    display: grid;
    grid-template-columns: .9fr 1.1fr;
    gap: 70px;
}

.cd2 {
    display: flex;
    gap: 16px;
    margin-bottom: 26px;
}

.cd2-l {
    font-size: .7rem;
    letter-spacing: 1px;
    text-transform: uppercase;
    color: var(--gold-lt);
    margin-bottom: 3px;
}

.cd2-v {
    font-size: .92rem;
    color: var(--cream);
}

.form-field2 {
    margin-bottom: 22px;
}

.form-field2 label {
    display: block;
    font-size: .7rem;
    letter-spacing: 1px;
    text-transform: uppercase;
    color: rgba(243, 246, 249, .5);
    margin-bottom: 9px;
}

.form-field2 input,
.form-field2 select,
.form-field2 textarea {
    width: 100%;
    padding: 12px 0;
    background: transparent;
    border: none;
    border-bottom: 1px solid rgba(243, 246, 249, .25);
    font-family: var(--sans);
    font-size: .92rem;
    color: var(--cream);
    outline: none;
    transition: border-color .3s ease;
}

.form-field2 input::placeholder,
.form-field2 textarea::placeholder {
    color: rgba(243, 246, 249, .3);
}

.form-field2 input:focus,
.form-field2 select:focus,
.form-field2 textarea:focus {
    border-color: var(--gold);
}

.form-field2 select option {
    background: var(--wine-3);
}

.form-field2.err input,
.form-field2.err select,
.form-field2.err textarea {
    border-color: var(--blush);
}

.form-field2 .err-msg {
    display: none;
    font-size: .72rem;
    color: var(--blush);
    margin-top: 6px;
}

.form-field2.err .err-msg {
    display: block;
}

.form-row2 {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
}

@media(max-width:900px) {
    .contact-grid2 {
        grid-template-columns: 1fr;
        gap: 44px;
    }
}

/* ============ NEWSLETTER ============ */
#newsletter {
    background: var(--cream);
    padding: 110px 0;
}

.nl-frame {
    border: 1px solid var(--wine);
    padding: 64px;
    text-align: center;
    position: relative;
    max-width: 980px;
    margin: 0 auto;
}

.nl-frame::before {
    content: 'SUBSCRIBE';
    position: absolute;
    top: -11px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--cream);
    color: var(--gold);
    padding: 0 14px;
    font-size: .68rem;
    letter-spacing: 2px;
    font-weight: 700;
}

.nl-frame.unsub-frame::before {
    content: 'UNSUBSCRIBE';
}

.nl-form-grid2 {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px;
    max-width: 760px;
    margin: 0 auto;
}

.nl-field2 label {
    font-size: .7rem;
    letter-spacing: 1px;
    text-transform: uppercase;
    color: var(--muted);
    display: block;
    margin-bottom: 8px;
    text-align: left;
}

.nl-field2 input {
    width: 100%;
    padding: 11px 0;
    background: transparent;
    border: none;
    border-bottom: 1px solid var(--line);
    font-family: var(--sans);
    font-size: .9rem;
    color: var(--wine);
    outline: none;
}

.nl-field2 input:focus {
    border-color: var(--gold);
}

.nl-field2.err input {
    border-color: var(--blush);
}

.nl-field2 .err-msg {
    display: none;
    font-size: .72rem;
    color: var(--blush);
    margin-top: 6px;
    text-align: left;
}

.nl-field2.err .err-msg {
    display: block;
}

.nl-check2 {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin-top: 22px;
    max-width: 520px;
    margin-left: auto;
    margin-right: auto;
    text-align: left;
}

.nl-check2 input {
    width: 16px;
    height: 16px;
    accent-color: var(--gold);
    margin-top: 3px;
    flex-shrink: 0;
}

.nl-check2 label {
    font-size: .82rem;
    color: var(--muted);
    line-height: 1.5;
}

#unsubPanel {
    display: none;
}

@media(max-width:767px) {
    .nl-form-grid2 {
        grid-template-columns: 1fr;
    }

    .nl-frame {
        padding: 36px 22px;
    }
}

/* ============ FOOTER ============ */
#footer {
    background: var(--wine-3);
    color: var(--cream);
    padding: 80px 0 0;
}

.footer-grid2 {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
    gap: 44px;
}

.footer-logo2 {
    font-family: var(--disp);
    font-size: 1.5rem;
    font-weight: 700;
    margin-bottom: 16px;
}

.footer-logo2 em {
    font-style: italic;
    color: var(--gold-lt);
}

.footer-tag2 {
    font-size: .82rem;
    color: rgba(243, 246, 249, .5);
    line-height: 1.75;
    max-width: 280px;
}

.footer-soc2 {
    display: flex;
    gap: 10px;
    margin-top: 22px;
}

.fsoc2 {
    width: 36px;
    height: 36px;
    border: 1px solid rgba(243, 246, 249, .18);
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(243, 246, 249, .6);
    transition: all .3s ease;
}

.fsoc2:hover {
    background: var(--gold);
    border-color: var(--gold);
    color: var(--wine-3);
}

.footer-col-title2 {
    font-size: .68rem;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: rgba(243, 246, 249, .4);
    margin-bottom: 18px;
}

.footer-links2 {
    list-style: none;
}

.footer-links2 li {
    margin-bottom: 11px;
}

.footer-links2 a {
    color: rgba(243, 246, 249, .62);
    font-size: .85rem;
    transition: all .25s ease;
}

.footer-links2 a:hover {
    color: var(--gold-lt);
    padding-left: 4px;
}

.footer-addr2 {
    font-size: .82rem;
    color: rgba(243, 246, 249, .5);
    line-height: 1.9;
    font-style: normal;
}

.footer-bottom2 {
    margin-top: 56px;
    border-top: 1px solid rgba(243, 246, 249, .1);
    padding: 22px 0;
    display: flex;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 10px;
}

.footer-copy2 {
    font-size: .75rem;
    color: rgba(243, 246, 249, .35);
}

@media(max-width:991px) {
    .footer-grid2 {
        grid-template-columns: 1fr 1fr;
    }
}

/* ============ TOAST ============ */
.toast {
    position: fixed;
    bottom: 26px;
    right: 26px;
    z-index: 3000;
    background: var(--wine);
    color: var(--cream);
    padding: 16px 24px;
    font-size: .86rem;
    font-weight: 600;
    display: flex;
    align-items: center;
    gap: 10px;
    box-shadow: var(--shadow-lg);
    border-left: 3px solid var(--gold);
    transform: translateX(130%);
    opacity: 0;
    transition: all .4s var(--ease);
}

.toast.show {
    transform: none;
    opacity: 1;
}

.toast i {
    color: var(--gold-lt);
}

/* ============ LEGAL PAGES (terms / privacy) ============ */
.legal-page {
    background: var(--cream);
}

.legal-hero {
    background: var(--wine-3);
    color: var(--cream);
    padding: 180px 0 80px;
    text-align: center;
}

.legal-hero .chapter {
    color: var(--gold-lt);
}

.legal-hero h1 {
    font-family: var(--disp);
    font-size: clamp(2.2rem, 4vw, 3.4rem);
    font-weight: 600;
    color: var(--cream);
    letter-spacing: -.5px;
    margin-bottom: 14px;
}

.legal-hero .legal-meta {
    font-size: .82rem;
    color: rgba(243, 246, 249, .55);
    letter-spacing: .4px;
}

.legal-body {
    max-width: 880px;
    margin: 0 auto;
    padding: 70px 32px 110px;
}

.legal-intro {
    font-size: .95rem;
    color: var(--muted);
    line-height: 1.8;
    margin-bottom: 36px;
    padding-bottom: 30px;
    border-bottom: 1px solid var(--line);
}

.legal-item {
    border-bottom: 1px solid var(--line);
}

.legal-item:first-of-type {
    border-top: 1px solid var(--line);
}

.legal-head {
    width: 100%;
    background: none;
    border: none;
    text-align: left;
    padding: 24px 0;
    display: flex;
    justify-content: space-between;
    align-items: center;
    cursor: pointer;
    font-family: var(--disp);
    font-weight: 600;
    font-size: 1.15rem;
    color: var(--wine);
    gap: 20px;
}

.legal-head .lh-icn {
    font-size: 1.3rem;
    color: var(--gold);
    transition: transform .3s ease;
    flex-shrink: 0;
    font-weight: 400;
}

.legal-item.open .legal-head .lh-icn {
    transform: rotate(45deg);
}

.legal-content {
    max-height: 0;
    overflow: hidden;
    transition: max-height .4s var(--ease);
}

.legal-item.open .legal-content {
    max-height: 600px;
}

.legal-content p {
    padding-bottom: 24px;
    font-size: .9rem;
    line-height: 1.85;
    color: var(--muted);
    max-width: 760px;
}

/* ============ PAGE HEADER (used on inner pages) ============ */
.page-hero {
    background: linear-gradient(180deg, var(--cream) 0%, var(--cream-2) 100%);
    padding: 180px 0 70px;
    text-align: center;
}

.page-hero .chapter {
    display: inline-block;
}

.page-hero h1 {
    font-family: var(--disp);
    font-size: clamp(2.2rem, 4vw, 3.4rem);
    font-weight: 600;
    color: var(--wine);
    letter-spacing: -.5px;
    margin-bottom: 16px;
    line-height: 1.1;
}

.page-hero p {
    font-size: 1.02rem;
    line-height: 1.8;
    color: var(--muted);
    max-width: 620px;
    margin: 0 auto;
}

.page-hero.dark {
    background: var(--wine-3);
}

.page-hero.dark .chapter {
    color: var(--gold-lt);
}

.page-hero.dark h1 {
    color: var(--cream);
}

.page-hero.dark p {
    color: rgba(243, 246, 249, .6);
}

/* CTA strip on home */
.cta-strip {
    background: var(--wine);
    color: var(--cream);
    padding: 70px 0;
    text-align: center;
}

.cta-strip .chapter {
    color: var(--gold-lt);
}

.cta-strip h2 {
    font-family: var(--disp);
    font-size: clamp(1.8rem, 3vw, 2.6rem);
    font-weight: 600;
    color: var(--cream);
    margin-bottom: 16px;
}

.cta-strip p {
    font-size: .95rem;
    color: rgba(243, 246, 249, .6);
    max-width: 540px;
    margin: 0 auto 28px;
    line-height: 1.8;
}

.cta-row {
    display: flex;
    gap: 14px;
    justify-content: center;
    flex-wrap: wrap;
}