/* ==========================================================================
   Northvale Financial — Main Stylesheet
   Stack: Bootstrap 5.3 + custom CSS (this file)
   Structure:
     1.  Design tokens
     2.  Base & typography
     3.  Buttons
     4.  Header / navbar
     5.  Hero (home) & page hero (inner pages)
     6.  Sections & shared headings
     7.  Cards: steps, services, goals
     8.  Why us (dark) & stats
     9.  Adviser matching form
     10. Alternating feature rows
     11. Trust, testimonials, articles, FAQ
     12. CTA band & footer
     13. Inner-page components (service detail, contact, legal, blog filter)
     14. Utilities, motion & accessibility
     15. Responsive
   ========================================================================== */

/* 1. DESIGN TOKENS ------------------------------------------------------- */
:root {
  --nv-primary: #0B1F3A;
  --nv-secondary: #123E63;
  --nv-accent: #C9A227;
  --nv-accent-dark: #A6851B;
  --nv-accent-soft: #F7F0DA;
  --nv-bg: #F7F9FC;
  --nv-text: #1D2939;
  --nv-muted: #56657A;
  --nv-border: #E2E8F0;
  --nv-white: #FFFFFF;
  --nv-navy-line: rgba(255, 255, 255, 0.12);

  --nv-font-body: "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --nv-font-head: "Fraunces", Georgia, "Times New Roman", serif;

  --nv-radius-sm: 8px;
  --nv-radius: 14px;
  --nv-radius-lg: 24px;

  --nv-shadow-sm: 0 2px 6px rgba(11, 31, 58, 0.05);
  --nv-shadow: 0 14px 34px rgba(11, 31, 58, 0.08);
  --nv-shadow-lg: 0 30px 70px rgba(11, 31, 58, 0.16);

  --nv-ease: cubic-bezier(0.22, 0.61, 0.36, 1);
  --nv-header-h: 82px;
  --nv-section-y: 110px;
}

/* 2. BASE & TYPOGRAPHY -------------------------------------------------- */
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--nv-header-h) + 16px); }

body {
  font-family: var(--nv-font-body);
  color: var(--nv-text);
  background: var(--nv-white);
  font-size: 1rem;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

h1, h2, h3, .font-serif {
  font-family: var(--nv-font-head);
  color: var(--nv-primary);
  font-weight: 500;
  letter-spacing: -0.015em;
  font-optical-sizing: auto;
}
h1 { font-size: clamp(2.5rem, 1.6rem + 3.4vw, 4.25rem); line-height: 1.06; }
h2 { font-size: clamp(2rem, 1.45rem + 2vw, 3rem); line-height: 1.12; }
h3 { font-size: clamp(1.25rem, 1.1rem + 0.5vw, 1.5rem); line-height: 1.3; }
h4, h5, h6 { font-family: var(--nv-font-body); color: var(--nv-primary); font-weight: 700; }

p { color: var(--nv-muted); }
.lead { font-size: 1.15rem; line-height: 1.75; color: var(--nv-muted); }
a { color: var(--nv-secondary); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--nv-primary); }
img { max-width: 100%; height: auto; }
::selection { background: var(--nv-accent); color: var(--nv-primary); }

.text-accent { color: var(--nv-accent) !important; }
.text-primary-nv { color: var(--nv-primary) !important; }
.bg-soft { background: var(--nv-bg) !important; }
.bg-navy { background: var(--nv-primary) !important; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--nv-accent-dark);
  margin-bottom: 1.25rem;
}
.eyebrow::before {
  content: "";
  width: 34px;
  height: 2px;
  background: var(--nv-accent);
  border-radius: 2px;
}

.skip-link {
  position: absolute; left: 1rem; top: -60px; z-index: 2000;
  background: var(--nv-accent); color: var(--nv-primary);
  padding: 0.6rem 1rem; border-radius: var(--nv-radius-sm); font-weight: 700;
  transition: top 0.2s;
}
.skip-link:focus { top: 1rem; }

/* 3. BUTTONS ------------------------------------------------------------ */
.btn {
  --bs-btn-font-weight: 600;
  --bs-btn-padding-x: 1.6rem;
  --bs-btn-padding-y: 0.85rem;
  border-radius: 999px;
  position: relative;
  overflow: hidden;
  isolation: isolate;
  transition: transform 0.25s var(--nv-ease), box-shadow 0.25s var(--nv-ease),
              background-color 0.25s, color 0.25s, border-color 0.25s;
}
.btn-sm { --bs-btn-padding-x: 1.1rem; --bs-btn-padding-y: 0.5rem; }
.btn-lg { --bs-btn-padding-x: 2rem; --bs-btn-padding-y: 1rem; --bs-btn-font-size: 1.02rem; }
.btn i { transition: transform 0.25s var(--nv-ease); }
.btn:hover i.bi-arrow-right { transform: translateX(4px); }
.btn:active { transform: translateY(0) scale(0.98); }

/* light sweep on hover */
.btn-gold::after, .btn-navy::after {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(110deg, transparent 30%, rgba(255,255,255,0.35) 50%, transparent 70%);
  transform: translateX(-120%);
  transition: transform 0.7s var(--nv-ease);
  z-index: -1;
}
.btn-gold:hover::after, .btn-navy:hover::after { transform: translateX(120%); }

.btn-gold {
  background: var(--nv-accent);
  color: var(--nv-primary);
  border: 1px solid var(--nv-accent);
  box-shadow: 0 8px 22px rgba(201, 162, 39, 0.28);
}
.btn-gold:hover, .btn-gold:focus-visible {
  background: #D6B13B; border-color: #D6B13B; color: var(--nv-primary);
  transform: translateY(-2px);
  box-shadow: 0 14px 30px rgba(201, 162, 39, 0.36);
}
.btn-navy {
  background: var(--nv-primary);
  color: var(--nv-white);
  border: 1px solid var(--nv-primary);
}
.btn-navy:hover, .btn-navy:focus-visible {
  background: var(--nv-secondary); border-color: var(--nv-secondary); color: var(--nv-white);
  transform: translateY(-2px);
  box-shadow: 0 14px 28px rgba(11, 31, 58, 0.25);
}
.btn-outline-navy {
  color: var(--nv-primary);
  border: 1.5px solid rgba(11, 31, 58, 0.25);
  background: transparent;
}
.btn-outline-navy:hover, .btn-outline-navy:focus-visible {
  color: var(--nv-white); background: var(--nv-primary); border-color: var(--nv-primary);
  transform: translateY(-2px);
}
.btn-outline-light-nv {
  color: var(--nv-white);
  border: 1.5px solid rgba(255, 255, 255, 0.4);
  background: transparent;
}
.btn-outline-light-nv:hover, .btn-outline-light-nv:focus-visible {
  color: var(--nv-primary); background: var(--nv-white); border-color: var(--nv-white);
  transform: translateY(-2px);
}

.link-arrow {
  display: inline-flex; align-items: center; gap: 0.45rem;
  font-weight: 700; font-size: 0.95rem;
  color: var(--nv-secondary); text-decoration: none;
}
.link-arrow i { transition: transform 0.25s var(--nv-ease); }
.link-arrow:hover { color: var(--nv-accent-dark); }
.link-arrow:hover i { transform: translateX(4px); }

/* 4. HEADER / NAVBAR ---------------------------------------------------- */
.site-header {
  position: sticky; top: 0; z-index: 1030;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: saturate(180%) blur(14px);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid transparent;
  transition: box-shadow 0.3s, border-color 0.3s, background 0.3s;
}
.site-header.is-scrolled {
  background: rgba(255, 255, 255, 0.98);
  border-bottom-color: var(--nv-border);
  box-shadow: 0 6px 24px rgba(11, 31, 58, 0.06);
}
.site-header .navbar { min-height: var(--nv-header-h); padding-block: 0.75rem; }

.brand {
  display: inline-flex; align-items: center; gap: 0.7rem;
  text-decoration: none; color: var(--nv-primary);
}
.brand-mark { flex-shrink: 0; transition: transform 0.35s var(--nv-ease); }
.brand:hover .brand-mark { transform: rotate(-6deg); }
.brand-text { display: flex; flex-direction: column; line-height: 1; }
.brand-name {
  font-family: var(--nv-font-head); font-weight: 600; font-size: 1.4rem;
  color: var(--nv-primary); letter-spacing: -0.01em;
}
.brand-sub {
  font-size: 0.64rem; font-weight: 700; letter-spacing: 0.24em;
  text-transform: uppercase; color: var(--nv-accent-dark); margin-top: 0.3rem;
}

.site-header .nav-link {
  font-weight: 600; font-size: 0.94rem;
  color: var(--nv-text);
  padding: 0.5rem 0.9rem !important;
  position: relative;
}
.site-header .nav-link::after {
  content: ""; position: absolute; left: 0.9rem; right: 0.9rem; bottom: 0.2rem;
  height: 2px; background: var(--nv-accent); border-radius: 2px;
  transform: scaleX(0); transform-origin: left;
  transition: transform 0.3s var(--nv-ease);
}
.site-header .nav-link:hover, .site-header .nav-link.active { color: var(--nv-primary); }
.site-header .nav-link:hover::after, .site-header .nav-link.active::after { transform: scaleX(1); }
.site-header .dropdown-toggle::after { display: none; }
.site-header .dropdown-toggle .bi { font-size: 0.7rem; margin-left: 0.2rem; transition: transform 0.25s; }
.site-header .dropdown.show .dropdown-toggle .bi { transform: rotate(180deg); }

.dropdown-menu-nv {
  border: 1px solid var(--nv-border);
  border-radius: var(--nv-radius);
  box-shadow: var(--nv-shadow);
  padding: 0.6rem;
  min-width: 270px;
}
.dropdown-menu-nv .dropdown-item {
  display: flex; gap: 0.75rem; align-items: center;
  border-radius: var(--nv-radius-sm);
  padding: 0.6rem 0.75rem; font-weight: 600; font-size: 0.92rem;
  color: var(--nv-text);
}
.dropdown-menu-nv .dropdown-item i {
  width: 34px; height: 34px; display: grid; place-items: center;
  border-radius: 9px; background: var(--nv-bg); color: var(--nv-secondary);
}
.dropdown-menu-nv .dropdown-item:hover, .dropdown-menu-nv .dropdown-item:focus {
  background: var(--nv-bg); color: var(--nv-primary);
}
.dropdown-menu-nv .dropdown-item:hover i { background: var(--nv-accent-soft); color: var(--nv-accent-dark); }

.navbar-toggler {
  border: 1px solid var(--nv-border); border-radius: 10px;
  padding: 0.5rem 0.65rem;
}
.navbar-toggler:focus { box-shadow: 0 0 0 3px rgba(201, 162, 39, 0.35); }
.toggler-bars { display: grid; gap: 5px; width: 22px; }
.toggler-bars span {
  display: block; height: 2px; background: var(--nv-primary); border-radius: 2px;
  transition: transform 0.3s var(--nv-ease), opacity 0.2s;
}
.navbar-toggler[aria-expanded="true"] .toggler-bars span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.navbar-toggler[aria-expanded="true"] .toggler-bars span:nth-child(2) { opacity: 0; }
.navbar-toggler[aria-expanded="true"] .toggler-bars span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.header-phone {
  display: inline-flex; align-items: center; gap: 0.45rem;
  font-weight: 600; font-size: 0.9rem; color: var(--nv-primary); text-decoration: none;
}
.header-phone i { color: var(--nv-accent-dark); }

/* 5. HERO -------------------------------------------------------------- */
.hero {
  position: relative;
  padding: 90px 0 0;
  background: linear-gradient(180deg, var(--nv-bg) 0%, var(--nv-white) 100%);
  overflow: hidden;
}
/* decorative: soft gold halo + dotted grid */
.hero::before {
  content: ""; position: absolute;
  width: 620px; height: 620px; right: -160px; top: -200px;
  background: radial-gradient(circle, rgba(201, 162, 39, 0.16) 0%, transparent 65%);
  pointer-events: none;
}
.hero::after {
  content: ""; position: absolute;
  left: -40px; bottom: 120px; width: 260px; height: 200px;
  background-image: radial-gradient(rgba(18, 62, 99, 0.18) 1.5px, transparent 1.5px);
  background-size: 18px 18px;
  pointer-events: none;
}
.hero .container { position: relative; z-index: 1; }
.hero h1 { margin-bottom: 1.5rem; max-width: 12ch; }
.hero .lead { max-width: 34rem; margin-bottom: 2.25rem; }
.hero-note {
  display: flex; align-items: center; gap: 0.6rem;
  margin-top: 1.75rem; font-size: 0.9rem; color: var(--nv-muted);
}
.hero-note i { color: var(--nv-accent-dark); }

.hero-media { position: relative; padding: 0 0 40px 40px; }
.hero-media .hero-frame {
  position: relative;
  border-radius: 200px 200px var(--nv-radius-lg) var(--nv-radius-lg);
  overflow: hidden;
  aspect-ratio: 4 / 4.7;
  box-shadow: var(--nv-shadow-lg);
  background: var(--nv-secondary);
}
.hero-media .hero-frame img { width: 100%; height: 100%; object-fit: cover; }
.hero-media .hero-arc {
  position: absolute; left: 0; top: 40px; right: 40px; bottom: 0;
  border: 1.5px solid var(--nv-accent);
  border-radius: 200px 200px var(--nv-radius-lg) var(--nv-radius-lg);
  z-index: -1;
}
.float-card {
  position: absolute;
  background: var(--nv-white);
  border-radius: var(--nv-radius);
  box-shadow: var(--nv-shadow-lg);
  padding: 1rem 1.15rem;
  z-index: 2;
}
.float-card.fc-plan { left: 0; bottom: 90px; width: 235px; }
.float-card.fc-secure {
  right: -12px; top: 70px;
  display: flex; align-items: center; gap: 0.7rem;
  padding: 0.75rem 1rem;
}
.float-card .fc-label { font-size: 0.75rem; font-weight: 700; color: var(--nv-muted); }
.float-card .fc-title { font-weight: 700; color: var(--nv-primary); font-size: 0.95rem; }
.fc-icon {
  width: 38px; height: 38px; border-radius: 10px;
  display: grid; place-items: center;
  background: var(--nv-accent-soft); color: var(--nv-accent-dark); font-size: 1.1rem;
}
.fc-chart { display: block; width: 100%; height: 64px; margin-top: 0.6rem; }
.fc-chart .line {
  fill: none; stroke: var(--nv-accent); stroke-width: 2.5;
  stroke-linecap: round; stroke-linejoin: round;
  stroke-dasharray: 260; stroke-dashoffset: 260;
  animation: drawLine 1.8s 0.6s var(--nv-ease) forwards;
}
.fc-chart .area { fill: rgba(201, 162, 39, 0.12); }
.fc-meta { display: flex; justify-content: space-between; font-size: 0.72rem; color: var(--nv-muted); margin-top: 0.3rem; }

/* hero page-load sequence (the one orchestrated motion moment) */
.hero-seq > * { opacity: 0; transform: translateY(18px); animation: seqIn 0.8s var(--nv-ease) forwards; }
.hero-seq > *:nth-child(1) { animation-delay: 0.05s; }
.hero-seq > *:nth-child(2) { animation-delay: 0.15s; }
.hero-seq > *:nth-child(3) { animation-delay: 0.25s; }
.hero-seq > *:nth-child(4) { animation-delay: 0.35s; }
.hero-seq > *:nth-child(5) { animation-delay: 0.45s; }
.hero-media { opacity: 0; animation: fadeIn 1s 0.3s var(--nv-ease) forwards; }

@keyframes seqIn { to { opacity: 1; transform: none; } }
@keyframes fadeIn { to { opacity: 1; } }
@keyframes drawLine { to { stroke-dashoffset: 0; } }

/* trust indicator bar */
.trust-bar {
  position: relative; z-index: 3;
  margin-top: 30px;
  background: var(--nv-primary);
  border-radius: var(--nv-radius-lg);
  padding: 1.75rem 2rem;
  box-shadow: var(--nv-shadow-lg);
  transform: translateY(50%);
}
.trust-item { display: flex; align-items: center; gap: 1rem; }
.trust-item i {
  flex-shrink: 0;
  width: 50px; height: 50px; border-radius: 50%;
  display: grid; place-items: center;
  font-size: 1.3rem;
  color: var(--nv-accent);
  border: 1px solid rgba(201, 162, 39, 0.45);
}
.trust-item strong { display: block; color: var(--nv-white); font-size: 1.02rem; }
.trust-item span { color: rgba(255, 255, 255, 0.65); font-size: 0.86rem; }
.trust-bar .col-md-4 + .col-md-4 { border-left: 1px solid var(--nv-navy-line); }
.after-trust-bar { padding-top: calc(var(--nv-section-y) + 60px) !important; }

/* inner page hero */
.page-hero {
  position: relative;
  background: var(--nv-primary);
  color: var(--nv-white);
  padding: 90px 0 100px;
  overflow: hidden;
}
.page-hero::before {
  content: ""; position: absolute; right: -120px; top: -160px;
  width: 520px; height: 520px; border-radius: 50%;
  border: 1px solid rgba(201, 162, 39, 0.35);
  box-shadow: 0 0 0 70px rgba(255, 255, 255, 0.02), 0 0 0 140px rgba(255, 255, 255, 0.015);
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 { color: var(--nv-white); max-width: 18ch; font-size: clamp(2.3rem, 1.6rem + 2.6vw, 3.6rem); }
.page-hero .lead { color: rgba(255, 255, 255, 0.75); max-width: 40rem; }
.page-hero .eyebrow { color: var(--nv-accent); }
.breadcrumb-nv { --bs-breadcrumb-divider-color: rgba(255, 255, 255, 0.4); --bs-breadcrumb-item-active-color: var(--nv-accent); margin-bottom: 1.5rem; font-size: 0.88rem; }
.breadcrumb-nv a { color: rgba(255, 255, 255, 0.75); text-decoration: none; }
.breadcrumb-nv a:hover { color: var(--nv-white); }
.breadcrumb-nv .breadcrumb-item + .breadcrumb-item::before { color: rgba(255, 255, 255, 0.4); }

/* 6. SECTIONS & HEADINGS ----------------------------------------------- */
.section { padding: var(--nv-section-y) 0; }
.section-sm { padding: 70px 0; }
.section-head { max-width: 46rem; margin-bottom: 3.5rem; }
.section-head.text-center { margin-inline: auto; }
.section-head h2 { margin-bottom: 1rem; }
.section-head p { font-size: 1.08rem; margin-bottom: 0; }

/* 7. CARDS -------------------------------------------------------------- */
/* How it works — step cards */
.step-card {
  position: relative; height: 100%;
  background: var(--nv-white);
  border: 1px solid var(--nv-border);
  border-radius: var(--nv-radius-lg);
  padding: 2.5rem 2.25rem 2.25rem;
  transition: transform 0.35s var(--nv-ease), box-shadow 0.35s var(--nv-ease), border-color 0.35s;
}
.step-card:hover { transform: translateY(-6px); box-shadow: var(--nv-shadow); border-color: transparent; }
.step-number {
  font-family: var(--nv-font-head);
  font-size: 4.25rem; font-weight: 400; line-height: 1;
  color: transparent;
  -webkit-text-stroke: 1.2px var(--nv-accent);
  position: absolute; top: 1.75rem; right: 2rem;
}
.step-icon {
  width: 64px; height: 64px; border-radius: 18px;
  display: grid; place-items: center;
  background: var(--nv-primary); color: var(--nv-accent);
  font-size: 1.6rem; margin-bottom: 1.75rem;
  transition: transform 0.35s var(--nv-ease);
}
.step-card:hover .step-icon { transform: rotate(-8deg); }
.step-card h3 { margin-bottom: 0.75rem; }
.step-card p { margin-bottom: 0; }
.steps-row { position: relative; }
@media (min-width: 992px) {
  .steps-row::before {
    content: ""; position: absolute; left: 12%; right: 12%; top: 72px;
    border-top: 1.5px dashed rgba(201, 162, 39, 0.5); z-index: 0;
  }
  .steps-row > * { position: relative; z-index: 1; }
}

/* Services */
.service-card {
  position: relative; height: 100%;
  display: flex; flex-direction: column;
  background: var(--nv-white);
  border: 1px solid var(--nv-border);
  border-radius: var(--nv-radius);
  padding: 2.25rem 2rem;
  overflow: hidden;
  transition: transform 0.35s var(--nv-ease), box-shadow 0.35s var(--nv-ease), border-color 0.35s;
}
.service-card::before {
  content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 3px;
  background: var(--nv-accent);
  transform: scaleY(0); transform-origin: bottom;
  transition: transform 0.4s var(--nv-ease);
}
.service-card:hover { transform: translateY(-6px); box-shadow: var(--nv-shadow); border-color: transparent; }
.service-card:hover::before { transform: scaleY(1); }
.service-icon {
  width: 58px; height: 58px; border-radius: 14px;
  display: grid; place-items: center;
  background: var(--nv-bg); color: var(--nv-secondary);
  font-size: 1.5rem; margin-bottom: 1.5rem;
  transition: background 0.35s, color 0.35s;
}
.service-card:hover .service-icon { background: var(--nv-primary); color: var(--nv-accent); }
.service-card h3 { margin-bottom: 0.7rem; }
.service-card p { flex-grow: 1; }
.service-card .stretched-link:focus-visible { outline: none; }
.service-card:focus-within { box-shadow: 0 0 0 3px rgba(201, 162, 39, 0.5); }

/* Goals — image overlay cards */
.goal-card {
  position: relative; display: block;
  border-radius: var(--nv-radius-lg);
  overflow: hidden;
  aspect-ratio: 3 / 4;
  color: var(--nv-white);
  text-decoration: none;
  background: var(--nv-secondary);
  isolation: isolate;
}
.goal-card img {
  position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover;
  transition: transform 0.8s var(--nv-ease);
  z-index: -2;
}
.goal-card::after {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background: linear-gradient(180deg, rgba(11, 31, 58, 0.05) 20%, rgba(11, 31, 58, 0.92) 100%);
  transition: background 0.4s;
}
.goal-card:hover img { transform: scale(1.07); }
.goal-card:hover::after { background: linear-gradient(180deg, rgba(11, 31, 58, 0.25) 0%, rgba(11, 31, 58, 0.95) 100%); }
.goal-body { position: absolute; left: 0; right: 0; bottom: 0; padding: 1.75rem; }
.goal-body h3 { color: var(--nv-white); margin-bottom: 0.4rem; }
.goal-body p {
  color: rgba(255, 255, 255, 0.78); font-size: 0.92rem; margin-bottom: 1rem;
  max-height: 0; opacity: 0; overflow: hidden;
  transition: max-height 0.45s var(--nv-ease), opacity 0.35s;
}
.goal-card:hover .goal-body p, .goal-card:focus-visible .goal-body p { max-height: 120px; opacity: 1; }
.goal-cta {
  display: inline-flex; align-items: center; gap: 0.5rem;
  font-weight: 700; font-size: 0.9rem; color: var(--nv-accent);
}
.goal-cta i { transition: transform 0.25s; }
.goal-card:hover .goal-cta i { transform: translateX(4px); }
.goal-card:focus-visible { outline: 3px solid var(--nv-accent); outline-offset: 3px; }

/* 8. WHY US (DARK) & STATS --------------------------------------------- */
.section-dark {
  position: relative;
  background: var(--nv-primary);
  color: var(--nv-white);
  overflow: hidden;
}
.section-dark::before {
  content: ""; position: absolute; inset: 0;
  background-image: linear-gradient(var(--nv-navy-line) 1px, transparent 1px),
                    linear-gradient(90deg, var(--nv-navy-line) 1px, transparent 1px);
  background-size: 80px 80px;
  mask-image: radial-gradient(ellipse at top right, #000 0%, transparent 60%);
  -webkit-mask-image: radial-gradient(ellipse at top right, #000 0%, transparent 60%);
  opacity: 0.35;
  pointer-events: none;
}
.section-dark .container { position: relative; }
.section-dark h2, .section-dark h3 { color: var(--nv-white); }
.section-dark p { color: rgba(255, 255, 255, 0.7); }
.section-dark .eyebrow { color: var(--nv-accent); }

.why-item { padding: 2rem 0 0; border-top: 1px solid var(--nv-navy-line); height: 100%; transition: border-color 0.35s; }
.why-item:hover { border-top-color: var(--nv-accent); }
.why-item i { font-size: 1.8rem; color: var(--nv-accent); display: block; margin-bottom: 1.2rem; }
.why-item h3 { font-size: 1.3rem; margin-bottom: 0.6rem; }
.why-item p { font-size: 0.95rem; margin: 0; }

.stats-panel {
  margin-top: 5rem;
  border: 1px solid var(--nv-navy-line);
  border-radius: var(--nv-radius-lg);
  background: rgba(255, 255, 255, 0.03);
}
.stat { padding: 2.25rem 1.5rem; text-align: center; }
.stats-panel .col-6:not(:last-child) .stat { border-right: 1px solid var(--nv-navy-line); }
.stat-value {
  font-family: var(--nv-font-head);
  font-size: clamp(2.4rem, 1.8rem + 2vw, 3.4rem);
  line-height: 1; color: var(--nv-accent); margin-bottom: 0.5rem;
}
.stat-label { color: rgba(255, 255, 255, 0.72); font-size: 0.92rem; font-weight: 500; }
.stats-note { font-size: 0.78rem; color: rgba(255, 255, 255, 0.45); margin-top: 1rem; text-align: center; }

/* 9. ADVISER MATCHING FORM -------------------------------------------- */
.match-section { background: var(--nv-bg); position: relative; }
.match-aside h2 { margin-bottom: 1.25rem; }
.match-list { list-style: none; padding: 0; margin: 2rem 0 0; }
.match-list li { display: flex; gap: 0.9rem; padding: 0.75rem 0; color: var(--nv-text); font-weight: 500; }
.match-list i { color: var(--nv-accent-dark); font-size: 1.2rem; line-height: 1.5; }

.match-card {
  background: var(--nv-white);
  border-radius: var(--nv-radius-lg);
  box-shadow: var(--nv-shadow-lg);
  padding: 2.5rem;
  border-top: 4px solid var(--nv-accent);
}
.match-progress-head {
  display: flex; justify-content: space-between; align-items: center;
  font-size: 0.85rem; font-weight: 700; color: var(--nv-muted); margin-bottom: 0.6rem;
}
.match-progress-head .pct { color: var(--nv-primary); }
.progress-nv { height: 8px; border-radius: 99px; background: var(--nv-bg); margin-bottom: 2.25rem; }
.progress-nv .progress-bar {
  background: linear-gradient(90deg, var(--nv-accent-dark), var(--nv-accent));
  border-radius: 99px;
  transition: width 0.5s var(--nv-ease);
}

.form-step { display: none; }
.form-step.is-active { display: block; animation: stepIn 0.45s var(--nv-ease); }
.form-step.is-back { animation-name: stepBack; }
@keyframes stepIn { from { opacity: 0; transform: translateX(24px); } to { opacity: 1; transform: none; } }
@keyframes stepBack { from { opacity: 0; transform: translateX(-24px); } to { opacity: 1; transform: none; } }

.step-title { font-family: var(--nv-font-head); font-size: 1.6rem; color: var(--nv-primary); margin-bottom: 0.35rem; }
.step-hint { font-size: 0.92rem; margin-bottom: 1.5rem; }
.step-title:focus { outline: none; }

.option-input { position: absolute; opacity: 0; pointer-events: none; }
.option-tile {
  display: flex; align-items: center; gap: 0.8rem;
  width: 100%; height: 100%;
  padding: 1rem 1.1rem;
  border: 1.5px solid var(--nv-border);
  border-radius: var(--nv-radius);
  background: var(--nv-white);
  font-weight: 600; color: var(--nv-text);
  cursor: pointer;
  transition: border-color 0.2s, background 0.2s, box-shadow 0.2s, transform 0.2s;
}
.option-tile i {
  width: 38px; height: 38px; flex-shrink: 0; border-radius: 10px;
  display: grid; place-items: center;
  background: var(--nv-bg); color: var(--nv-secondary); font-size: 1.1rem;
  transition: background 0.2s, color 0.2s;
}
.option-tile .check {
  margin-left: auto; width: 20px; height: 20px; border-radius: 50%;
  border: 1.5px solid var(--nv-border); flex-shrink: 0;
  display: grid; place-items: center;
  transition: all 0.2s;
}
.option-tile:hover { border-color: rgba(201, 162, 39, 0.6); transform: translateY(-2px); }
.option-input:checked + .option-tile {
  border-color: var(--nv-accent);
  background: #FFFCF3;
  box-shadow: 0 0 0 3px rgba(201, 162, 39, 0.15);
}
.option-input:checked + .option-tile i { background: var(--nv-primary); color: var(--nv-accent); }
.option-input:checked + .option-tile .check { background: var(--nv-accent); border-color: var(--nv-accent); }
.option-input:checked + .option-tile .check::after {
  content: ""; width: 6px; height: 10px;
  border: solid var(--nv-primary); border-width: 0 2px 2px 0;
  transform: rotate(45deg) translate(-1px, -1px);
}
.option-input:focus-visible + .option-tile { outline: 3px solid var(--nv-accent); outline-offset: 2px; }

.step-error {
  display: none; align-items: center; gap: 0.5rem;
  margin-top: 1rem; color: #B42318; font-size: 0.9rem; font-weight: 600;
}
.step-error.show { display: flex; }

.form-label { font-weight: 600; font-size: 0.88rem; color: var(--nv-primary); margin-bottom: 0.4rem; }
.form-control, .form-select {
  border: 1.5px solid var(--nv-border);
  border-radius: 10px;
  padding: 0.8rem 1rem;
  font-size: 0.98rem;
  color: var(--nv-text);
  transition: border-color 0.2s, box-shadow 0.2s;
}
.form-control:focus, .form-select:focus {
  border-color: var(--nv-accent);
  box-shadow: 0 0 0 4px rgba(201, 162, 39, 0.15);
}
.form-check-input:checked { background-color: var(--nv-primary); border-color: var(--nv-primary); }
.form-check-input:focus { box-shadow: 0 0 0 4px rgba(201, 162, 39, 0.2); border-color: var(--nv-accent); }
.consent-text { font-size: 0.8rem; line-height: 1.55; color: var(--nv-muted); }

.form-nav {
  display: flex; justify-content: space-between; align-items: center; gap: 1rem;
  margin-top: 2rem; padding-top: 1.5rem; border-top: 1px solid var(--nv-border);
}
.form-nav .btn-prev[hidden] { display: none; }
.form-secure { font-size: 0.8rem; color: var(--nv-muted); display: flex; align-items: center; gap: 0.4rem; margin-top: 1.25rem; justify-content: center; }

.form-success { display: none; text-align: center; padding: 2rem 0.5rem; }
.form-success.show { display: block; animation: stepIn 0.5s var(--nv-ease); }
.success-icon {
  width: 80px; height: 80px; border-radius: 50%; margin: 0 auto 1.5rem;
  display: grid; place-items: center;
  background: var(--nv-accent-soft); color: var(--nv-accent-dark); font-size: 2.2rem;
}

/* 10. ALTERNATING FEATURE ROWS ---------------------------------------- */
.feature-row + .feature-row { margin-top: 7rem; }
.feature-media { position: relative; }
.feature-media img {
  width: 100%; aspect-ratio: 5 / 4; object-fit: cover;
  border-radius: var(--nv-radius-lg);
  box-shadow: var(--nv-shadow);
  background: var(--nv-bg);
}
.feature-media::before {
  content: ""; position: absolute; z-index: -1;
  width: 55%; height: 60%;
  background: var(--nv-accent-soft);
  border-radius: var(--nv-radius-lg);
  bottom: -26px; left: -26px;
}
.feature-row.is-reverse .feature-media::before { left: auto; right: -26px; }
.feature-step {
  display: inline-flex; align-items: center; gap: 0.6rem;
  font-weight: 700; font-size: 0.85rem; color: var(--nv-accent-dark);
  margin-bottom: 1rem;
}
.feature-step span {
  width: 34px; height: 34px; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--nv-primary); color: var(--nv-accent);
  font-family: var(--nv-font-head); font-size: 0.95rem;
}
.feature-content h2 { font-size: clamp(1.8rem, 1.4rem + 1.4vw, 2.5rem); margin-bottom: 1rem; }
.check-list { list-style: none; padding: 0; margin: 1.5rem 0 2rem; }
.check-list li { position: relative; padding-left: 2rem; margin-bottom: 0.75rem; color: var(--nv-text); }
.check-list li::before {
  content: "\F26E"; font-family: "bootstrap-icons";
  position: absolute; left: 0; top: 0.05rem;
  color: var(--nv-accent-dark); font-size: 1.15rem;
}

/* 11. TRUST, TESTIMONIALS, ARTICLES, FAQ ------------------------------- */
.trust-grid { border: 1px solid var(--nv-border); border-radius: var(--nv-radius-lg); overflow: hidden; background: var(--nv-white); }
.trust-cell { padding: 2.5rem 2rem; height: 100%; transition: background 0.3s; }
.trust-grid .col-md-6:not(:last-child) .trust-cell { border-right: 1px solid var(--nv-border); }
.trust-cell:hover { background: var(--nv-bg); }
.trust-cell i { font-size: 1.9rem; color: var(--nv-secondary); display: block; margin-bottom: 1.25rem; }
.trust-cell h3 { font-size: 1.2rem; margin-bottom: 0.5rem; }
.trust-cell p { font-size: 0.93rem; margin: 0; }

.testimonial-wrap {
  background: var(--nv-white);
  border-radius: var(--nv-radius-lg);
  box-shadow: var(--nv-shadow);
  padding: 4rem 4.5rem 3.5rem;
  position: relative;
}
.testimonial-wrap .quote-mark {
  position: absolute; top: -32px; left: 50%; transform: translateX(-50%);
  width: 64px; height: 64px; border-radius: 50%;
  background: var(--nv-accent); color: var(--nv-primary);
  display: grid; place-items: center; font-size: 1.8rem;
  box-shadow: 0 10px 24px rgba(201, 162, 39, 0.35);
}
.testimonial blockquote {
  font-family: var(--nv-font-head);
  font-size: clamp(1.25rem, 1.05rem + 0.8vw, 1.7rem);
  line-height: 1.5; color: var(--nv-primary);
  margin: 0 auto 2rem; max-width: 44rem; font-weight: 400;
}
.testimonial-person { display: flex; align-items: center; justify-content: center; gap: 1rem; }
.avatar-initials {
  width: 54px; height: 54px; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--nv-primary); color: var(--nv-accent);
  font-weight: 700; letter-spacing: 0.04em;
}
.testimonial-person .name { font-weight: 700; color: var(--nv-primary); line-height: 1.3; }
.testimonial-person .meta { font-size: 0.87rem; color: var(--nv-muted); }
.carousel-nv .carousel-indicators { position: static; margin: 2.25rem 0 0; }
.carousel-nv .carousel-indicators [data-bs-target] {
  width: 10px; height: 10px; border-radius: 50%; border: 0;
  background: var(--nv-border); opacity: 1; margin: 0 5px;
  transition: width 0.3s, background 0.3s;
}
.carousel-nv .carousel-indicators .active { width: 30px; border-radius: 10px; background: var(--nv-accent); }
.carousel-btn {
  width: 48px; height: 48px; border-radius: 50%;
  border: 1px solid var(--nv-border); background: var(--nv-white); color: var(--nv-primary);
  display: grid; place-items: center;
  position: absolute; top: 50%; transform: translateY(-50%);
  transition: background 0.25s, color 0.25s, border-color 0.25s;
}
.carousel-btn:hover { background: var(--nv-primary); color: var(--nv-white); border-color: var(--nv-primary); }
.carousel-btn.prev { left: -24px; }
.carousel-btn.next { right: -24px; }
.fine-print { font-size: 0.78rem; color: var(--nv-muted); }

.article-card {
  height: 100%; display: flex; flex-direction: column;
  background: var(--nv-white);
  border: 1px solid var(--nv-border);
  border-radius: var(--nv-radius-lg);
  overflow: hidden;
  transition: transform 0.35s var(--nv-ease), box-shadow 0.35s var(--nv-ease);
}
.article-card:hover { transform: translateY(-6px); box-shadow: var(--nv-shadow); }
.article-thumb { position: relative; overflow: hidden; aspect-ratio: 16 / 10; background: var(--nv-bg); }
.article-thumb img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.7s var(--nv-ease); }
.article-card:hover .article-thumb img { transform: scale(1.06); }
.article-cat {
  position: absolute; left: 1rem; top: 1rem;
  background: var(--nv-white); color: var(--nv-primary);
  font-size: 0.75rem; font-weight: 700;
  padding: 0.35rem 0.8rem; border-radius: 99px;
}
.article-body { padding: 1.75rem; display: flex; flex-direction: column; flex-grow: 1; }
.article-meta { font-size: 0.8rem; color: var(--nv-muted); margin-bottom: 0.6rem; display: flex; gap: 1rem; }
.article-meta i { color: var(--nv-accent-dark); margin-right: 0.3rem; }
.article-body h3 { font-size: 1.25rem; margin-bottom: 0.6rem; }
.article-body h3 a { color: inherit; text-decoration: none; background-image: linear-gradient(var(--nv-accent), var(--nv-accent)); background-size: 0 1.5px; background-repeat: no-repeat; background-position: 0 100%; transition: background-size 0.4s var(--nv-ease); }
.article-body h3 a:hover { background-size: 100% 1.5px; }
.article-body p { font-size: 0.93rem; flex-grow: 1; }

.accordion-nv .accordion-item {
  border: 1px solid var(--nv-border);
  border-radius: var(--nv-radius) !important;
  margin-bottom: 1rem;
  overflow: hidden;
  background: var(--nv-white);
  transition: box-shadow 0.3s, border-color 0.3s;
}
.accordion-nv .accordion-item:has(.accordion-button:not(.collapsed)) { border-color: rgba(201, 162, 39, 0.6); box-shadow: var(--nv-shadow-sm); }
.accordion-nv .accordion-button {
  font-weight: 700; color: var(--nv-primary); font-size: 1.04rem;
  padding: 1.35rem 1.5rem; background: var(--nv-white); box-shadow: none;
}
.accordion-nv .accordion-button:not(.collapsed) { color: var(--nv-primary); background: var(--nv-white); }
.accordion-nv .accordion-button:focus { box-shadow: inset 0 0 0 2px rgba(201, 162, 39, 0.5); }
.accordion-nv .accordion-button::after {
  background-image: none;
  content: "\F4FE"; font-family: "bootstrap-icons";
  width: 32px; height: 32px; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--nv-bg); color: var(--nv-primary); font-size: 1.1rem;
  transition: transform 0.3s var(--nv-ease), background 0.3s;
}
.accordion-nv .accordion-button:not(.collapsed)::after {
  content: "\F2EA"; background-image: none; transform: rotate(180deg);
  background: var(--nv-accent); color: var(--nv-primary);
}
.accordion-nv .accordion-body { padding: 0 1.5rem 1.5rem; color: var(--nv-muted); }

/* 12. CTA BAND & FOOTER ------------------------------------------------ */
.cta-band {
  position: relative;
  background: var(--nv-secondary);
  border-radius: var(--nv-radius-lg);
  padding: 5rem 3rem;
  overflow: hidden;
  text-align: center;
  color: var(--nv-white);
}
.cta-band::before, .cta-band::after {
  content: ""; position: absolute; border-radius: 50%;
  border: 1px solid rgba(201, 162, 39, 0.35);
}
.cta-band::before { width: 420px; height: 420px; left: -180px; bottom: -220px; }
.cta-band::after { width: 300px; height: 300px; right: -100px; top: -140px; box-shadow: 0 0 0 50px rgba(255, 255, 255, 0.03); }
.cta-band > * { position: relative; z-index: 1; }
.cta-band h2 { color: var(--nv-white); max-width: 18ch; margin: 0 auto 1rem; }
.cta-band p { color: rgba(255, 255, 255, 0.75); font-size: 1.1rem; max-width: 36rem; margin: 0 auto 2.25rem; }

.site-footer { background: var(--nv-primary); color: rgba(255, 255, 255, 0.7); padding: 90px 0 0; font-size: 0.94rem; }
.site-footer .brand-name { color: var(--nv-white); }
.site-footer h2 {
  font-family: var(--nv-font-body); font-size: 0.95rem; font-weight: 700;
  color: var(--nv-white); margin-bottom: 1.25rem;
}
.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: 0.7rem; }
.footer-links a { color: rgba(255, 255, 255, 0.7); text-decoration: none; transition: color 0.2s, padding 0.25s; }
.footer-links a:hover { color: var(--nv-accent); padding-left: 4px; }
.footer-about { max-width: 22rem; margin: 1.25rem 0 1.5rem; color: rgba(255, 255, 255, 0.65); }
.footer-contact li { display: flex; gap: 0.6rem; margin-bottom: 0.55rem; }
.footer-contact i { color: var(--nv-accent); }
.social-links { display: flex; gap: 0.6rem; }
.social-links a {
  width: 40px; height: 40px; border-radius: 50%;
  display: grid; place-items: center;
  border: 1px solid var(--nv-navy-line); color: var(--nv-white);
  transition: background 0.25s, color 0.25s, border-color 0.25s, transform 0.25s;
}
.social-links a:hover { background: var(--nv-accent); color: var(--nv-primary); border-color: var(--nv-accent); transform: translateY(-3px); }
.newsletter .form-control {
  background: rgba(255, 255, 255, 0.06); border-color: var(--nv-navy-line); color: var(--nv-white);
  border-radius: 99px 0 0 99px; padding-left: 1.2rem;
}
.newsletter .form-control::placeholder { color: rgba(255, 255, 255, 0.45); }
.newsletter .btn { border-radius: 0 99px 99px 0; --bs-btn-padding-x: 1.1rem; }
.newsletter-msg { font-size: 0.82rem; margin-top: 0.5rem; min-height: 1.2em; color: var(--nv-accent); }

.footer-disclaimer {
  margin-top: 4rem; padding: 1.75rem 0;
  border-top: 1px solid var(--nv-navy-line);
  font-size: 0.8rem; line-height: 1.65; color: rgba(255, 255, 255, 0.55);
}
.footer-disclaimer strong { color: rgba(255, 255, 255, 0.8); }
.footer-bottom {
  padding: 1.5rem 0; border-top: 1px solid var(--nv-navy-line);
  font-size: 0.85rem; color: rgba(255, 255, 255, 0.55);
}
.footer-bottom a { color: rgba(255, 255, 255, 0.7); text-decoration: none; }
.footer-bottom a:hover { color: var(--nv-accent); }

/* 13. INNER-PAGE COMPONENTS ------------------------------------------ */
.sticky-aside { position: sticky; top: calc(var(--nv-header-h) + 24px); }
.aside-card {
  background: var(--nv-primary); color: var(--nv-white);
  border-radius: var(--nv-radius-lg); padding: 2.25rem;
}
.aside-card h2, .aside-card h3 { color: var(--nv-white); font-size: 1.5rem; }
.aside-card p { color: rgba(255, 255, 255, 0.7); }
.aside-card .aside-contact { border-top: 1px solid var(--nv-navy-line); margin-top: 1.5rem; padding-top: 1.25rem; font-size: 0.9rem; }
.aside-card .aside-contact a { color: var(--nv-accent); text-decoration: none; font-weight: 700; }
.aside-links { background: var(--nv-white); border: 1px solid var(--nv-border); border-radius: var(--nv-radius-lg); padding: 1.5rem; }
.aside-links h2 { font-family: var(--nv-font-body); font-size: 0.95rem; font-weight: 700; margin-bottom: 1rem; }
.aside-links a {
  display: flex; justify-content: space-between; align-items: center;
  padding: 0.7rem 0.85rem; border-radius: 10px;
  color: var(--nv-text); text-decoration: none; font-weight: 600; font-size: 0.93rem;
  transition: background 0.2s, color 0.2s;
}
.aside-links a:hover, .aside-links a.active { background: var(--nv-bg); color: var(--nv-primary); }
.aside-links a.active { box-shadow: inset 3px 0 0 var(--nv-accent); }

.include-item { display: flex; gap: 1rem; height: 100%; padding: 1.5rem; border: 1px solid var(--nv-border); border-radius: var(--nv-radius); background: var(--nv-white); transition: border-color 0.3s, box-shadow 0.3s; }
.include-item:hover { border-color: rgba(201, 162, 39, 0.55); box-shadow: var(--nv-shadow-sm); }
.include-item i { flex-shrink: 0; width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center; background: var(--nv-accent-soft); color: var(--nv-accent-dark); font-size: 1.2rem; }
.include-item h3 { font-family: var(--nv-font-body); font-size: 1.02rem; font-weight: 700; margin-bottom: 0.3rem; }
.include-item p { font-size: 0.9rem; margin: 0; }

.content-img { width: 100%; border-radius: var(--nv-radius-lg); aspect-ratio: 16 / 9; object-fit: cover; background: var(--nv-bg); }
.prose h2 { font-size: clamp(1.7rem, 1.35rem + 1.2vw, 2.3rem); margin: 3rem 0 1rem; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin: 2rem 0 0.75rem; }
.prose p, .prose li { color: var(--nv-muted); }
.prose ul { padding-left: 1.2rem; }
.prose li { margin-bottom: 0.4rem; }

.process-list { counter-reset: proc; list-style: none; padding: 0; margin: 0; }
.process-list li { counter-increment: proc; position: relative; padding: 0 0 1.75rem 4rem; }
.process-list li::before {
  content: counter(proc, decimal-leading-zero);
  position: absolute; left: 0; top: 0;
  width: 46px; height: 46px; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--nv-primary); color: var(--nv-accent);
  font-family: var(--nv-font-head); font-size: 0.95rem;
}
.process-list li:not(:last-child)::after {
  content: ""; position: absolute; left: 22px; top: 52px; bottom: 6px;
  border-left: 1.5px dashed rgba(201, 162, 39, 0.55);
}
.process-list h3 { font-family: var(--nv-font-body); font-size: 1.05rem; font-weight: 700; margin-bottom: 0.25rem; padding-top: 0.6rem; }
.process-list p { margin: 0; font-size: 0.94rem; }

.value-card { padding: 2rem; border-radius: var(--nv-radius-lg); background: var(--nv-white); border: 1px solid var(--nv-border); height: 100%; }
.value-card i { font-size: 1.7rem; color: var(--nv-accent-dark); display: block; margin-bottom: 1rem; }
.value-card h3 { font-size: 1.2rem; }
.value-card p { margin: 0; font-size: 0.94rem; }

.team-card { text-align: center; }
.team-card .team-photo {
  aspect-ratio: 1; border-radius: var(--nv-radius-lg); margin-bottom: 1.25rem;
  background: linear-gradient(160deg, var(--nv-secondary), var(--nv-primary));
  display: grid; place-items: center;
  font-family: var(--nv-font-head); font-size: 3rem; color: var(--nv-accent);
}
.team-card h3 { font-size: 1.2rem; margin-bottom: 0.2rem; }
.team-card p { font-size: 0.9rem; margin: 0; }

.contact-card {
  display: flex; gap: 1rem; align-items: flex-start;
  padding: 1.5rem; border-radius: var(--nv-radius); background: var(--nv-white);
  border: 1px solid var(--nv-border); margin-bottom: 1rem;
}
.contact-card i { width: 48px; height: 48px; border-radius: 12px; flex-shrink: 0; display: grid; place-items: center; background: var(--nv-primary); color: var(--nv-accent); font-size: 1.2rem; }
.contact-card h2 { font-family: var(--nv-font-body); font-size: 1rem; font-weight: 700; margin-bottom: 0.2rem; }
.contact-card p, .contact-card a { margin: 0; font-size: 0.94rem; }
.form-card { background: var(--nv-white); border-radius: var(--nv-radius-lg); box-shadow: var(--nv-shadow); padding: 2.75rem; }
.map-placeholder {
  border-radius: var(--nv-radius-lg); min-height: 260px;
  background:
    linear-gradient(rgba(18, 62, 99, 0.08) 1px, transparent 1px) 0 0 / 32px 32px,
    linear-gradient(90deg, rgba(18, 62, 99, 0.08) 1px, transparent 1px) 0 0 / 32px 32px,
    var(--nv-bg);
  display: grid; place-items: center; text-align: center; color: var(--nv-muted);
  border: 1px solid var(--nv-border);
}
.map-placeholder i { font-size: 2.2rem; color: var(--nv-accent-dark); }

.legal-body { max-width: 48rem; }
.legal-body h2 { font-size: 1.6rem; margin: 2.75rem 0 0.9rem; padding-top: 0.25rem; }
.legal-body h2:first-of-type { margin-top: 0; }
.legal-body p, .legal-body li { color: var(--nv-muted); }
.legal-updated { display: inline-flex; gap: 0.5rem; align-items: center; background: var(--nv-accent-soft); color: var(--nv-primary); font-size: 0.85rem; font-weight: 600; padding: 0.45rem 0.9rem; border-radius: 99px; margin-bottom: 2rem; }
.legal-note { border-left: 3px solid var(--nv-accent); background: var(--nv-bg); padding: 1rem 1.25rem; border-radius: 0 var(--nv-radius-sm) var(--nv-radius-sm) 0; font-size: 0.9rem; }

.filter-bar { display: flex; flex-wrap: wrap; gap: 0.6rem; justify-content: center; margin-bottom: 3rem; }
.filter-btn {
  border: 1.5px solid var(--nv-border); background: var(--nv-white); color: var(--nv-text);
  padding: 0.55rem 1.25rem; border-radius: 99px; font-weight: 600; font-size: 0.9rem;
  transition: all 0.25s;
}
.filter-btn:hover { border-color: var(--nv-primary); color: var(--nv-primary); }
.filter-btn.active { background: var(--nv-primary); border-color: var(--nv-primary); color: var(--nv-white); }
.blog-item { transition: opacity 0.3s; }
.blog-item.is-hidden { display: none; }

.guide-card { display: flex; gap: 1.25rem; align-items: flex-start; padding: 1.75rem; border-radius: var(--nv-radius-lg); background: var(--nv-white); border: 1px solid var(--nv-border); height: 100%; text-decoration: none; transition: transform 0.3s var(--nv-ease), box-shadow 0.3s; }
.guide-card:hover { transform: translateY(-4px); box-shadow: var(--nv-shadow); }
.guide-card i { font-size: 1.6rem; color: var(--nv-accent-dark); }
.guide-card h3 { font-size: 1.15rem; margin-bottom: 0.3rem; }
.guide-card p { margin: 0; font-size: 0.9rem; }

/* 16. CAMPAIGN / GUIDE LANDING PAGES -------------------------------------- */
.guide-mockup { position: relative; max-width: 340px; margin: 0 auto; padding: 20px 0 20px 34px; }
.guide-mockup::before {
  content: ""; position: absolute; left: 0; top: 46px; right: 34px; bottom: 6px;
  background: var(--nv-bg); border: 1px solid var(--nv-border); border-radius: var(--nv-radius);
}
.guide-cover {
  position: relative; aspect-ratio: 3 / 4; border-radius: var(--nv-radius);
  background: linear-gradient(155deg, var(--nv-secondary), var(--nv-primary));
  box-shadow: var(--nv-shadow-lg); color: var(--nv-white);
  padding: 1.75rem; display: flex; flex-direction: column; justify-content: space-between;
}
.guide-cover-tag {
  align-self: flex-start; width: 42px; height: 42px; border-radius: 10px;
  background: var(--nv-accent); color: var(--nv-primary); font-family: var(--nv-font-head);
  font-weight: 600; display: grid; place-items: center; font-size: 1rem;
}
.guide-cover h3 { color: var(--nv-white); font-size: 1.55rem; line-height: 1.2; margin: 0; }
.guide-cover-brand { font-size: 0.78rem; letter-spacing: 0.06em; text-transform: uppercase; color: rgba(255, 255, 255, 0.7); }
.campaign-quote { background: var(--nv-bg); border-radius: var(--nv-radius-lg); padding: 1.75rem 2rem; margin-top: 2rem; }
.campaign-quote p { color: var(--nv-text); font-style: italic; margin-bottom: 0.75rem; }
.campaign-quote cite { font-style: normal; font-weight: 700; color: var(--nv-primary); }
.campaign-quote .fine-print { display: block; margin-top: 0.75rem; }
.gate-card { background: var(--nv-white); border-radius: var(--nv-radius-lg); box-shadow: var(--nv-shadow); padding: 2.75rem; max-width: 30rem; margin: 0 auto; text-align: center; }
.gate-card .form-control { text-align: left; }
.gate-consent { font-size: 0.85rem; color: var(--nv-muted); }
.gate-learn { display: inline-flex; align-items: center; gap: 0.5rem; font-weight: 600; font-size: 0.92rem; }
.gate-success { display: none; }
.gate-success.show { display: block; }

.faq-nav { position: sticky; top: calc(var(--nv-header-h) + 24px); }
.faq-group + .faq-group { margin-top: 3.5rem; }
.faq-group h2 { font-size: 1.7rem; margin-bottom: 1.5rem; }

.search-nv { position: relative; max-width: 34rem; }
.search-nv i { position: absolute; left: 1.1rem; top: 50%; transform: translateY(-50%); color: var(--nv-muted); }
.search-nv .form-control { padding-left: 2.8rem; border-radius: 99px; }

/* 14. UTILITIES, MOTION, ACCESSIBILITY ------------------------------- */
.back-to-top {
  position: fixed; right: 1.5rem; bottom: 1.5rem; z-index: 1020;
  width: 48px; height: 48px; border-radius: 50%; border: 0;
  background: var(--nv-accent); color: var(--nv-primary); font-size: 1.2rem;
  box-shadow: 0 10px 24px rgba(11, 31, 58, 0.2);
  opacity: 0; visibility: hidden; transform: translateY(12px);
  transition: opacity 0.3s, transform 0.3s, visibility 0.3s;
}
.back-to-top.show { opacity: 1; visibility: visible; transform: none; }
.back-to-top:hover { background: var(--nv-primary); color: var(--nv-accent); }

:focus-visible { outline: 3px solid var(--nv-accent); outline-offset: 2px; }
.btn:focus-visible { box-shadow: 0 0 0 4px rgba(201, 162, 39, 0.45); outline: none; }

img.img-fallback { object-fit: cover; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
  .hero-seq > *, .hero-media { opacity: 1; transform: none; }
  .fc-chart .line { stroke-dashoffset: 0; }
}

/* 15. RESPONSIVE ----------------------------------------------------- */

/* Large desktops */
@media (min-width: 1400px) {
  .hero { padding-top: 110px; }
  .hero h1 { font-size: 4.5rem; }
}

/* Laptops / small desktops */
@media (max-width: 1199.98px) {
  :root { --nv-section-y: 96px; }
  .site-header .nav-link { padding: 0.5rem 0.6rem !important; font-size: 0.9rem; }
  .site-header .nav-link::after { left: 0.6rem; right: 0.6rem; }
  .carousel-btn.prev { left: -10px; }
  .carousel-btn.next { right: -10px; }
}

/* Tablets (navbar collapses) */
@media (max-width: 991.98px) {
  :root { --nv-section-y: 80px; --nv-header-h: 72px; }

  .site-header .navbar-collapse {
    margin-top: 0.75rem;
    padding: 1rem 0 1.25rem;
    border-top: 1px solid var(--nv-border);
    max-height: calc(100vh - var(--nv-header-h));
    overflow-y: auto;
  }
  .site-header .nav-link { padding: 0.8rem 0.25rem !important; font-size: 1rem; border-bottom: 1px solid var(--nv-bg); }
  .site-header .nav-link::after { display: none; }
  .site-header .nav-link.active { color: var(--nv-accent-dark); }
  .site-header .dropdown-menu-nv { border: 0; box-shadow: none; padding: 0 0 0.5rem 0.5rem; }
  .site-header .dropdown-toggle { display: flex; justify-content: space-between; align-items: center; }
  .header-actions { flex-direction: column; align-items: stretch !important; margin-top: 1.25rem; }
  .header-actions .btn { width: 100%; }

  .hero { padding-top: 60px; text-align: center; }
  .hero h1, .hero .lead { margin-inline: auto; }
  .hero .eyebrow { justify-content: center; }
  .hero-actions, .hero-note { justify-content: center; }
  .hero-media { max-width: 480px; margin: 3.5rem auto 0; }

  .trust-bar { transform: none; margin-top: 3.5rem; padding: 1.5rem; }
  .trust-bar .col-md-4 + .col-md-4 { border-left: 0; }
  .after-trust-bar { padding-top: var(--nv-section-y) !important; }

  .stats-panel { margin-top: 3.5rem; }
  .stats-panel .col-6:nth-child(2) .stat { border-right: 0; }
  .stats-panel .col-6:nth-child(-n+2) .stat { border-bottom: 1px solid var(--nv-navy-line); }

  .match-aside { text-align: center; margin-bottom: 2.5rem; }
  .match-aside .eyebrow { justify-content: center; }
  .match-list { display: inline-block; text-align: left; }

  .feature-row + .feature-row { margin-top: 5rem; }
  .feature-content { text-align: left; }

  .trust-grid .col-md-6:nth-child(2) .trust-cell { border-right: 0; }
  .trust-grid .col-md-6:nth-child(-n+2) .trust-cell { border-bottom: 1px solid var(--nv-border); }

  .testimonial-wrap { padding: 3.75rem 2.5rem 3rem; }
  .carousel-btn { display: none; }

  .sticky-aside, .faq-nav { position: static; }
  .page-hero { padding: 70px 0 80px; }
}

/* Tablet portrait → large phones */
@media (max-width: 767.98px) {
  :root { --nv-section-y: 68px; }
  body { font-size: 0.97rem; }
  .section-head { margin-bottom: 2.5rem; }

  .trust-bar .row > * + * { border-top: 1px solid var(--nv-navy-line); padding-top: 1.1rem; margin-top: 1.1rem; }

  .step-card, .service-card { padding: 2rem 1.6rem; }
  .step-number { font-size: 3.4rem; right: 1.5rem; }
  .goal-card { aspect-ratio: 4 / 3.4; }
  .goal-body p { max-height: none; opacity: 1; }

  .trust-grid .col-md-6 .trust-cell { border-right: 0 !important; border-bottom: 1px solid var(--nv-border); }
  .trust-grid .col-md-6:last-child .trust-cell { border-bottom: 0; }

  .match-card { padding: 1.75rem 1.4rem; }
  .step-title { font-size: 1.4rem; }
  .form-nav { flex-wrap: wrap; }
  .form-nav .btn { flex: 1 1 auto; }

  .feature-media::before { bottom: -14px; left: -14px; }
  .feature-row.is-reverse .feature-media::before { right: -14px; }

  .cta-band { padding: 3.5rem 1.5rem; border-radius: var(--nv-radius); }
  .cta-actions .btn { width: 100%; }

  .site-footer { padding-top: 64px; }
  .footer-bottom { text-align: center; }
  .form-card { padding: 1.75rem 1.4rem; }
  .aside-card { padding: 1.75rem; }
}

/* Small phones */
@media (max-width: 575.98px) {
  .brand-name { font-size: 1.2rem; }
  .brand-sub { font-size: 0.56rem; letter-spacing: 0.2em; }
  .brand-mark { width: 34px; height: 34px; }

  .hero-actions .btn { width: 100%; }
  .hero-media { padding: 0 0 30px 20px; }
  .hero-media .hero-arc { top: 24px; right: 20px; }
  .float-card.fc-plan { width: 190px; bottom: 50px; left: -4px; padding: 0.8rem; }
  .fc-chart { height: 48px; }
  .float-card.fc-secure { right: -6px; top: 40px; padding: 0.55rem 0.75rem; }
  .float-card.fc-secure .fc-title { font-size: 0.82rem; }

  .stat { padding: 1.6rem 0.75rem; }
  .testimonial-wrap { padding: 3.25rem 1.4rem 2.5rem; }
  .testimonial-person { flex-direction: column; text-align: center; gap: 0.6rem; }
  .article-body { padding: 1.4rem; }
  .accordion-nv .accordion-button { padding: 1.1rem 1.15rem; font-size: 0.98rem; }
  .accordion-nv .accordion-body { padding: 0 1.15rem 1.25rem; }
  .back-to-top { right: 1rem; bottom: 1rem; width: 44px; height: 44px; }
  .process-list li { padding-left: 3.5rem; }
}