/* ==========================================================================
   Grand Rounds Wealth — Design System
   Colors: deep navy (trust), warm gold (premium), cream (warmth), white
   ========================================================================== */

:root {
  --navy-900: #0b2338;
  --navy-800: #10314c;
  --navy-700: #163f5f;
  --navy-600: #1f5075;
  --gold-500: #c6a15b;
  --gold-400: #d4b578;
  --gold-100: #f4ecdc;
  --cream: #faf7f2;
  --white: #ffffff;
  --ink: #1a2530;
  --slate: #55697a;
  --slate-light: #8ca0b3;
  --border: #e3e0d8;
  --success: #2e7d5b;

  --font-serif: "Fraunces", Georgia, serif;
  --font-sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  --max-width: 1180px;
  --radius: 14px;
  --shadow-sm: 0 2px 8px rgba(11, 35, 56, 0.06);
  --shadow-md: 0 8px 30px rgba(11, 35, 56, 0.1);
  --shadow-lg: 0 20px 60px rgba(11, 35, 56, 0.16);
  --transition: 0.25s ease;
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-sans);
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

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

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

ul {
  list-style: none;
}

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

h1, h2, h3, h4 {
  font-family: var(--font-serif);
  color: var(--navy-900);
  font-weight: 600;
  line-height: 1.2;
  letter-spacing: -0.01em;
}

h1 { font-size: clamp(2.4rem, 5vw, 3.6rem); }
h2 { font-size: clamp(1.8rem, 3.2vw, 2.5rem); }
h3 { font-size: 1.3rem; }

p { color: var(--slate); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-500);
  margin-bottom: 14px;
}

.eyebrow::before {
  content: "";
  width: 24px;
  height: 2px;
  background: var(--gold-500);
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 15px 30px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: transform var(--transition), box-shadow var(--transition), background var(--transition), color var(--transition);
  white-space: nowrap;
}

.btn-primary {
  background: var(--gold-500);
  color: var(--navy-900);
  box-shadow: var(--shadow-sm);
}

.btn-primary:hover {
  background: var(--gold-400);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.5);
}

.btn-outline:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: var(--white);
}

.btn-outline-dark {
  background: transparent;
  color: var(--navy-900);
  border-color: var(--navy-900);
}

.btn-outline-dark:hover {
  background: var(--navy-900);
  color: var(--white);
}

.btn-block { width: 100%; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid var(--border);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 24px;
  max-width: var(--max-width);
  margin: 0 auto;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-serif);
  font-weight: 700;
  font-size: 1.25rem;
  color: var(--navy-900);
}

.logo .mark {
  width: 38px;
  height: 38px;
  border-radius: 10px;
  background: linear-gradient(135deg, var(--navy-800), var(--navy-600));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-400);
  font-family: var(--font-serif);
  font-weight: 700;
  font-size: 1.1rem;
  flex-shrink: 0;
}

.logo .sub {
  display: block;
  font-family: var(--font-sans);
  font-weight: 500;
  font-size: 0.62rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--slate-light);
  margin-top: 1px;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 34px;
}

.nav-links a {
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--navy-800);
  position: relative;
  padding: 6px 0;
  transition: color var(--transition);
}

.nav-links a:hover { color: var(--gold-500); }

.nav-links a.active { color: var(--gold-500); }

.nav-links a.active::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -2px;
  width: 100%;
  height: 2px;
  background: var(--gold-500);
  border-radius: 2px;
}

.nav-cta { display: flex; align-items: center; gap: 18px; }

.nav-cta .btn { padding: 11px 24px; font-size: 0.88rem; }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}

.nav-toggle span {
  width: 24px;
  height: 2px;
  background: var(--navy-900);
  border-radius: 2px;
  transition: transform var(--transition), opacity var(--transition);
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background: radial-gradient(1200px 600px at 80% -10%, rgba(198, 161, 91, 0.18), transparent 60%), linear-gradient(180deg, var(--navy-900) 0%, var(--navy-800) 100%);
  color: var(--white);
  padding: 130px 0 100px;
  overflow: hidden;
}

.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.035) 1px, transparent 1px);
  background-size: 46px 46px;
  pointer-events: none;
}

.hero-inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 60px;
  align-items: start;
}

.hero h1 { color: var(--white); margin-bottom: 20px; }

.hero p.lead {
  font-size: 1.15rem;
  color: rgba(255, 255, 255, 0.78);
  max-width: 520px;
  margin-bottom: 34px;
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 40px;
}

.hero-trust {
  display: flex;
  gap: 28px;
  flex-wrap: wrap;
}

.hero-trust div {
  display: flex;
  flex-direction: column;
}

.hero-trust strong {
  font-family: var(--font-serif);
  font-size: 1.7rem;
  color: var(--gold-400);
}

.hero-trust span {
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.6);
}

.hero-card {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius);
  padding: 32px;
  backdrop-filter: blur(6px);
}

.hero-card h3 { color: var(--white); font-size: 1.15rem; margin-bottom: 18px; }

.hero-card ul li {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  color: rgba(255, 255, 255, 0.82);
  font-size: 0.94rem;
}

.hero-card ul li:last-child { border-bottom: none; }

.hero-card .check {
  color: var(--gold-400);
  font-weight: 700;
  flex-shrink: 0;
}

/* ---------- Section spacing ---------- */
.section { padding: 96px 0; }
.section-sm { padding: 60px 0; }
.section-cream { background: var(--cream); }
.section-navy { background: var(--navy-900); color: var(--white); }
.section-navy h2, .section-navy h3 { color: var(--white); }
.section-navy p { color: rgba(255, 255, 255, 0.72); }

.section-head {
  max-width: 640px;
  margin-bottom: 56px;
}

.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }

.section-head p { font-size: 1.05rem; margin-top: 14px; }

/* ---------- Cards / Grids ---------- */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 34px;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}

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

.card .icon {
  width: 52px;
  height: 52px;
  border-radius: 12px;
  background: var(--gold-100);
  color: var(--gold-500);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 20px;
}

.card h3 { margin-bottom: 10px; }
.card p { font-size: 0.95rem; }
.card a.card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 18px;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--navy-800);
}
.card a.card-link:hover { color: var(--gold-500); }

.service-card {
  background: linear-gradient(160deg, var(--navy-900), var(--navy-700));
  color: var(--white);
  border-radius: 20px;
  padding: 44px;
  position: relative;
  overflow: hidden;
}

.service-card::before {
  content: "";
  position: absolute;
  top: -60px;
  right: -60px;
  width: 200px;
  height: 200px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(198,161,91,0.28), transparent 70%);
}

.service-card .eyebrow { color: var(--gold-400); }
.service-card h3 { color: var(--white); font-size: 1.6rem; margin-bottom: 14px; }
.service-card p { color: rgba(255,255,255,0.75); margin-bottom: 24px; }
.service-card ul { margin-bottom: 28px; }
.service-card ul li {
  display: flex;
  gap: 10px;
  padding: 8px 0;
  font-size: 0.93rem;
  color: rgba(255,255,255,0.85);
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.service-card ul li:last-child { border-bottom: none; }
.service-card ul li span.check { color: var(--gold-400); font-weight: 700; }

/* ---------- Stats ---------- */
.stats-bar {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 40px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  box-shadow: var(--shadow-sm);
}

.stat { text-align: center; }
.stat strong {
  display: block;
  font-family: var(--font-serif);
  font-size: 2.3rem;
  color: var(--navy-900);
}
.stat span { font-size: 0.85rem; color: var(--slate); }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; counter-reset: step; }
.step { position: relative; padding-left: 8px; }
.step .num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--navy-900);
  color: var(--gold-400);
  font-family: var(--font-serif);
  font-weight: 700;
  margin-bottom: 20px;
}
.step h3 { margin-bottom: 10px; }
.step p { font-size: 0.94rem; }

/* ---------- Quote / testimonial ---------- */
.quote-block {
  background: var(--gold-100);
  border-radius: var(--radius);
  padding: 44px;
  position: relative;
}
.quote-block p.quote {
  font-family: var(--font-serif);
  font-size: 1.4rem;
  color: var(--navy-900);
  line-height: 1.5;
  margin-bottom: 20px;
}
.quote-block .author { display: flex; align-items: center; gap: 14px; }
.quote-block .avatar {
  width: 46px; height: 46px; border-radius: 50%;
  background: var(--navy-800); color: var(--gold-400);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-serif); font-weight: 700;
}
.quote-block .author strong { display: block; color: var(--navy-900); font-size: 0.95rem; }
.quote-block .author span { font-size: 0.82rem; color: var(--slate); }

/* ---------- FAQ ---------- */
.faq-item {
  border-bottom: 1px solid var(--border);
  padding: 24px 0;
}
.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
  font-weight: 600;
  color: var(--navy-900);
  font-size: 1.05rem;
  gap: 20px;
}
.faq-question .plus {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  border: 1.5px solid var(--gold-500);
  color: var(--gold-500);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform var(--transition);
  font-size: 1.1rem;
  line-height: 1;
}
.faq-item.open .plus { transform: rotate(45deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}
.faq-answer p { padding-top: 16px; font-size: 0.96rem; }
.faq-item.open .faq-answer { max-height: 500px; }

/* ---------- Forms ---------- */
.form-card {
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--border);
  padding: 44px;
  box-shadow: var(--shadow-md);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.field { margin-bottom: 20px; }
.field label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy-800);
  margin-bottom: 8px;
}
.field input,
.field select,
.field textarea {
  width: 100%;
  padding: 13px 16px;
  border-radius: 10px;
  border: 1.5px solid var(--border);
  font-family: var(--font-sans);
  font-size: 0.95rem;
  color: var(--ink);
  background: var(--cream);
  transition: border-color var(--transition);
}
.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--gold-500);
  background: var(--white);
}
.field textarea { resize: vertical; min-height: 110px; }
.form-note { font-size: 0.8rem; color: var(--slate-light); margin-top: 14px; text-align: center; }
.form-success {
  display: none;
  background: #eaf6ef;
  border: 1px solid var(--success);
  color: var(--success);
  padding: 16px 20px;
  border-radius: 10px;
  font-size: 0.9rem;
  margin-top: 20px;
}

/* ---------- CTA banner ---------- */
.cta-banner {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-700));
  border-radius: 24px;
  padding: 64px;
  text-align: center;
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(700px 300px at 50% 0%, rgba(198,161,91,0.25), transparent 70%);
}
.cta-banner > * { position: relative; z-index: 1; }
.cta-banner h2 { color: var(--white); margin-bottom: 16px; }
.cta-banner p { color: rgba(255,255,255,0.75); max-width: 560px; margin: 0 auto 32px; }
.cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-900);
  color: rgba(255,255,255,0.6);
  padding: 70px 0 30px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 44px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand .logo { color: var(--white); margin-bottom: 16px; }
.footer-brand p { font-size: 0.9rem; max-width: 280px; }
.footer-col h4 {
  color: var(--white);
  font-family: var(--font-sans);
  font-size: 0.85rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.footer-col ul li { margin-bottom: 12px; font-size: 0.92rem; }
.footer-col ul li a:hover { color: var(--gold-400); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 28px;
  font-size: 0.82rem;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom a:hover { color: var(--gold-400); }

/* ---------- Page hero (inner pages) ---------- */
.page-hero {
  background: linear-gradient(180deg, var(--navy-900), var(--navy-800));
  color: var(--white);
  padding: 90px 0 70px;
  text-align: center;
}
.page-hero h1 { color: var(--white); margin-bottom: 14px; }
.page-hero p { color: rgba(255,255,255,0.75); max-width: 620px; margin: 0 auto; font-size: 1.05rem; }
.breadcrumb {
  display: inline-flex;
  gap: 8px;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.55);
  margin-bottom: 20px;
}
.breadcrumb a:hover { color: var(--gold-400); }

.content-block { max-width: 780px; }
.content-block h2 { margin-top: 44px; margin-bottom: 16px; }
.content-block h2:first-child { margin-top: 0; }
.content-block p { margin-bottom: 18px; font-size: 1.02rem; }
.content-block ul.bullet-list { margin: 0 0 24px 0; }
.content-block ul.bullet-list li {
  padding-left: 28px;
  position: relative;
  margin-bottom: 12px;
  color: var(--slate);
}
.content-block ul.bullet-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 8px;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold-500);
}

.sidebar-card {
  background: var(--cream);
  border-radius: var(--radius);
  padding: 32px;
  position: sticky;
  top: 100px;
}
.sidebar-card h3 { margin-bottom: 12px; }
.sidebar-card p { font-size: 0.92rem; margin-bottom: 20px; }

.two-col {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 56px;
  align-items: start;
}

.tag {
  display: inline-block;
  background: var(--gold-100);
  color: var(--gold-500);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 14px;
}

.resource-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: transform var(--transition), box-shadow var(--transition);
}
.resource-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.resource-thumb {
  height: 140px;
  background: linear-gradient(135deg, var(--navy-800), var(--navy-600));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-400);
  font-size: 2rem;
}
.resource-card .body { padding: 26px; }
.resource-card .tag { margin-bottom: 12px; }
.resource-card h3 { font-size: 1.1rem; margin-bottom: 10px; }
.resource-card p { font-size: 0.9rem; margin-bottom: 16px; }

.mini-cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
.mini-card {
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 22px;
}
.mini-card strong { display: block; color: var(--navy-900); margin-bottom: 6px; }
.mini-card p { font-size: 0.88rem; }

/* ---------- Contact page layout ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 56px;
  align-items: flex-start;
}
.contact-info-card {
  background: var(--navy-900);
  color: var(--white);
  border-radius: var(--radius);
  padding: 40px;
  margin-bottom: 20px;
}
.contact-info-card h3 { color: var(--white); margin-bottom: 18px; }
.contact-info-card .row {
  display: flex;
  gap: 14px;
  padding: 14px 0;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  font-size: 0.92rem;
  color: rgba(255,255,255,0.8);
}
.contact-info-card .row:last-child { border-bottom: none; }
.contact-info-card .row strong { color: var(--white); display: block; font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 3px; }

/* ---------- Header phone ---------- */
.nav-phone {
  display: flex;
  align-items: center;
  gap: 6px;
  font-weight: 700;
  font-size: 0.92rem;
  color: var(--navy-900);
  white-space: nowrap;
}
.nav-phone .dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--gold-500);
  flex-shrink: 0;
}

/* ---------- Stat source line ---------- */
.stat-source {
  text-align: center;
  font-size: 0.78rem;
  color: var(--slate-light);
  margin-top: 14px;
}

/* ---------- Testimonial grid ---------- */
.testimonial-card {
  background: var(--gold-100);
  border-radius: var(--radius);
  padding: 30px;
  height: 100%;
}
.testimonial-card p.quote {
  font-family: var(--font-serif);
  font-size: 1.05rem;
  color: var(--navy-900);
  line-height: 1.5;
  margin-bottom: 20px;
}
.testimonial-card .author { display: flex; align-items: center; gap: 12px; }
.testimonial-card .avatar {
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--navy-800); color: var(--gold-400);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-serif); font-weight: 700; font-size: 0.85rem;
  flex-shrink: 0;
}
.testimonial-card .author strong { display: block; color: var(--navy-900); font-size: 0.9rem; }
.testimonial-card .author span { font-size: 0.78rem; color: var(--slate); }

/* ---------- Carrier list ---------- */
.carrier-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 20px;
}
.carrier-card {
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 22px 18px;
  text-align: center;
}
.carrier-card strong {
  display: block;
  color: var(--navy-900);
  font-family: var(--font-serif);
  font-size: 1.05rem;
  margin-bottom: 8px;
}
.carrier-card p { font-size: 0.82rem; margin: 0; }
.carrier-note {
  font-size: 0.85rem;
  color: var(--slate-light);
  margin-top: 24px;
  text-align: center;
}

/* ---------- At a glance box ---------- */
.glance-box {
  background: var(--navy-900);
  border-radius: var(--radius);
  padding: 36px;
  color: var(--white);
}
.glance-box h3 { color: var(--white); margin-bottom: 18px; }
.glance-box .row {
  display: flex;
  gap: 16px;
  padding: 13px 0;
  border-bottom: 1px solid rgba(255,255,255,0.12);
  font-size: 0.92rem;
}
.glance-box .row:last-child { border-bottom: none; }
.glance-box .row strong {
  color: var(--gold-400);
  min-width: 140px;
  flex-shrink: 0;
  font-family: var(--font-sans);
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.glance-box .row span { color: rgba(255,255,255,0.82); }

/* ---------- Guide opt-in ---------- */
.guide-box {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 40px;
  align-items: center;
  background: var(--cream);
  border-radius: 20px;
  padding: 48px;
}
.guide-box .tag { margin-bottom: 14px; }
.guide-box h2 { margin-bottom: 14px; }
.guide-box ul.bullet-list { margin-bottom: 0; }
.guide-form {
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--border);
  padding: 28px;
}
.guide-form .field { margin-bottom: 14px; }

@media (max-width: 980px) {
  .carrier-grid { grid-template-columns: repeat(2, 1fr); }
  .guide-box { grid-template-columns: 1fr; }
}

@media (max-width: 760px) {
  .nav-phone { display: none; }
  .carrier-grid { grid-template-columns: 1fr 1fr; }
}

/* ---------- Honeypot (spam trap, hidden from real users) ---------- */
.hp-field {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

/* ---------- Utilities ---------- */
.text-center { text-align: center; }
.mt-24 { margin-top: 24px; }
.mb-24 { margin-bottom: 24px; }

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .hero-inner { grid-template-columns: 1fr; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: 1fr; }
  .two-col { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .stats-bar { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 760px) {
  .nav-links, .nav-cta .btn-outline-dark { display: none; }
  .nav-toggle { display: flex; }
  .nav-cta { gap: 10px; }
  body.nav-open .nav-links {
    display: flex;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    align-items: flex-start;
    padding: 20px 24px;
    gap: 4px;
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-md);
  }
  body.nav-open .nav-links a { padding: 12px 0; width: 100%; }
  .hero { padding: 60px 0 70px; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .stats-bar { grid-template-columns: 1fr 1fr; padding: 26px; gap: 20px; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 30px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .cta-banner { padding: 40px 24px; }
  .section { padding: 64px 0; }
}